British Expats

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-   -   UK State Pension (https://britishexpats.com/forum/germany-134/uk-state-pension-816807/)

BerryBridge Dec 3rd 2013 12:43 am

UK State Pension
 
Does anyone know if it is possible to transfer the accredited years from working in the UK to the German pension scheme?
I worked up until 1991 in the UK and emigrated here to Germany, and started contributing to the german national pension. I will be retiring in 2020 and at present will only get small part pensions from both countries.:unsure::unsure:

Mitzyboy Dec 3rd 2013 11:36 pm

Re: UK State Pension
 

Originally Posted by BerryBridge (Post 11018445)
Does anyone know if it is possible to transfer the accredited years from working in the UK to the German pension scheme?
I worked up until 1991 in the UK and emigrated here to Germany, and started contributing to the german national pension. I will be retiring in 2020 and at present will only get small part pensions from both countries.:unsure::unsure:

You can pay voluntary amounts to the UK state pension you know to boost it. Last I checked it was around £350 a year

scot47 Dec 3rd 2013 11:39 pm

Re: UK State Pension
 
Pensions Section at NI in Newcastle have an International Department that hamndles inquiries like this one.

fuchs01 Dec 4th 2013 4:40 pm

Re: UK State Pension
 

Originally Posted by scot47 (Post 11020394)
Pensions Section at NI in Newcastle have an International Department that hamndles inquiries like this one.

I have been here afew years now.I have took early retirement .
'Vorruhestand' Some years ago I asked and found out from the English
and German pension departments. Keep your National Insurance info.
The German department will take it from there, one doesnt have to go
backwards and forward, asking first for the British pension, then seperately
the German pension scheme.
As the above quote indicates further information can be acquired from
the next and nearest International department, which if necessary your local
Office can support you.

Hey Jude Jan 18th 2014 2:49 am

Re: UK State Pension
 

Originally Posted by BerryBridge (Post 11018445)
Does anyone know if it is possible to transfer the accredited years from working in the UK to the German pension scheme?
I worked up until 1991 in the UK and emigrated here to Germany, and started contributing to the german national pension. I will be retiring in 2020 and at present will only get small part pensions from both countries.:unsure::unsure:

I was in the same situation. When I applied for the german State Pension they got in touch with UK (Newcastle). I now get a "few pennies" sent to my german account every 4 weeks (not 1 month).

mikelincs Jan 18th 2014 3:15 am

Re: UK State Pension
 

Originally Posted by Hey Jude (Post 11084676)
I was in the same situation. When I applied for the german State Pension they got in touch with UK (Newcastle). I now get a "few pennies" sent to my german account every 4 weeks (not 1 month).

UK state pensions are paid every 4 weeks, so that makes sense.

hales Jan 23rd 2014 6:07 am

Re: UK State Pension
 
I paid the 'C' class for myself and also boosted the Wife's. Had I known apparently I could have boosted the German pension. Now I only get 18 years worth.

notathome Feb 7th 2014 3:08 am

Re: UK State Pension
 

Originally Posted by BerryBridge (Post 11018445)
Does anyone know if it is possible to transfer the accredited years from working in the UK to the German pension scheme?
I worked up until 1991 in the UK and emigrated here to Germany, and started contributing to the german national pension. I will be retiring in 2020 and at present will only get small part pensions from both countries.:unsure::unsure:

The years will be taken into account. When you apply for the German pension in 2020, they will contact the UK pensions office. We get a small pension from the UK and from Holland, having worked in both countrys for a short while.

glemo Feb 21st 2014 10:12 am

Re: UK State Pension
 

Originally Posted by fuchs01 (Post 11021484)
I have been here afew years now.I have took early retirement .
'Vorruhestand' Some years ago I asked and found out from the English
and German pension departments. Keep your National Insurance info.
The German department will take it from there, one doesnt have to go
backwards and forward, asking first for the British pension, then seperately
the German pension scheme.
As the above quote indicates further information can be acquired from
the next and nearest International department, which if necessary your local
Office can support you.

Many thx for all the info. I have now been in the USA 12 yrs paying into the social Security ( or what's left of it) previously I paid into the German state pension for 16 years and the UK for 15, as mentioned I also added to this to obtain the max pay out.
I divorced in Germany so our pension ions were matched in court and I received a statement of what I should receive in 2022 or so.
Until I read this thread I assumed I would receive everything separately, as we are still unsure where we will retire....

You mentioned you took early retirement in Germany , I'm assuming this was not directly your choice?
As in the US you can retire / receive social security ( simply put,which is the US equivalent of sorts to a government pension) starting at age 62 or leave it in the system until age 70 and take max payouts.

Many thx in advance

fuchs01 Feb 22nd 2014 12:17 am

Re: UK State Pension
 

Originally Posted by glemo (Post 11141894)
Many thx for all the info. I have now been in the USA 12 yrs paying into the social Security ( or what's left of it) previously I paid into the German state pension for 16 years and the UK for 15, as mentioned I also added to this to obtain the max pay out.
I divorced in Germany so our pension ions were matched in court and I received a statement of what I should receive in 2022 or so.
Until I read this thread I assumed I would receive everything separately, as we are still unsure where we will retire....

You mentioned you took early retirement in Germany , I'm assuming this was not directly your choice?
As in the US you can retire / receive social security ( simply put,which is the US equivalent of sorts to a government pension) starting at age 62 or leave it in the system until age 70 and take max payouts.

Many thx in advance

No I could of stayed on so it was my choice.My company had a program offering x%,
plus the normal further payment of the state pension, and towards the Company's private plan, and obviously ' krankenkasse' The unemployment payments obviously not necessary.

At first my boss prefered that I'd stay, then after some HR contention he actually helped me.
I also went to the 'Rentenversicherung' (NI equivilant), for clarification.
In Germany they send information at least every 2 years, what one would receive
if one would retire immediately, and what one is estimated to become at retirement age.The same for the Company's co-supported private scheme.
They told me I could pay and top up, and what the extra payments would be including those from UK.
I considered it no longer worth it and I stuck to the present payments.
The amount I would/could/ have to top up against what I would receive, at Pensionable age, ( another 6 years) would not be worth it.
IMO Top ups maybe worth it for the under 55s.More importantly Brit expats, should
Do 3. things 1. keep in touch with UK NI offices snd keep hold your NI Nr.
2.keep hold of all your information over social + pension payments from other worked countries. And 3. Inform youself by going/ on internet, to your present country's
Government offices for social/pension rules and payment scheme present and future.

glemo Feb 22nd 2014 8:25 am

Re: UK State Pension
 

Originally Posted by fuchs01 (Post 11142800)
No I could of stayed on so it was my choice.My company had a program offering x%,
plus the normal further payment of the state pension, and towards the Company's private plan, and obviously ' krankenkasse' The unemployment payments obviously not necessary.

At first my boss prefered that I'd stay, then after some HR contention he actually helped me.
I also went to the 'Rentenversicherung' (NI equivilant), for clarification.
In Germany they send information at least every 2 years, what one would receive
if one would retire immediately, and what one is estimated to become at retirement age.The same for the Company's co-supported private scheme.
They told me I could pay and top up, and what the extra payments would be including those from UK.
I considered it no longer worth it and I stuck to the present payments.
The amount I would/could/ have to top up against what I would receive, at Pensionable age, ( another 6 years) would not be worth it.
IMO Top ups maybe worth it for the under 55s.More importantly Brit expats, should
Do 3. things 1. keep in touch with UK NI offices snd keep hold your NI Nr.
2.keep hold of all your information over social + pension payments from other worked countries. And 3. Inform youself by going/ on internet, to your present country's
Government offices for social/pension rules and payment scheme present and future.

Appreciated.

Many thx.

glemo Feb 22nd 2014 8:34 am

Re: UK State Pension
 

Originally Posted by fuchs01 (Post 11142800)
No I could of stayed on so it was my choice.My company had a program offering x%,
plus the normal further payment of the state pension, and towards the Company's private plan, and obviously ' krankenkasse' The unemployment payments obviously not necessary.

At first my boss prefered that I'd stay, then after some HR contention he actually helped me.
I also went to the 'Rentenversicherung' (NI equivilant), for clarification.
In Germany they send information at least every 2 years, what one would receive
if one would retire immediately, and what one is estimated to become at retirement age.The same for the Company's co-supported private scheme.
They told me I could pay and top up, and what the extra payments would be including those from UK.
I considered it no longer worth it and I stuck to the present payments.
The amount I would/could/ have to top up against what I would receive, at Pensionable age, ( another 6 years) would not be worth it.
IMO Top ups maybe worth it for the under 55s.More importantly Brit expats, should
Do 3. things 1. keep in touch with UK NI offices snd keep hold your NI Nr.
2.keep hold of all your information over social + pension payments from other worked countries. And 3. Inform youself by going/ on internet, to your present country's
Government offices for social/pension rules and payment scheme present and future.

I paid 15 or so into the UK state pension and have quotes on what I have to pay in to max out! which I do not have to pay for several years. So as say they put them together I maybe better off waiting.
As it cannot be totally ruled out that I may work in the UK and or Germany b4 I hang up my spurs in the next few years.

Nordlicht Apr 23rd 2014 1:59 am

Re: UK State Pension
 
One warning to those in receipt of the UK state pension in Germany: you are required to inform your Krankenkasse about this income as soon as you get it, so that they can recalculate (i.e. increase) your monthly contributions. I didn't do this and have been hit by a hefty bill demanding payment of arrears. :(

Hey Jude Apr 23rd 2014 2:19 am

Re: UK State Pension
 

Originally Posted by Nordlicht (Post 11230778)
One warning to those in receipt of the UK state pension in Germany: you are required to inform your Krankenkasse about this income as soon as you get it, so that they can recalculate (i.e. increase) your monthly contributions. I didn't do this and have been hit by a hefty bill demanding payment of arrears. :(

Not heard anything up to date but I just get a little UK Pension! They do know about my UK Pension though as it just has been newly worked out when I had to apply for a widows Pension inGermany.

Nordlicht Apr 23rd 2014 3:25 am

Re: UK State Pension
 
Sadly the system is not as integrated as I had expected - the German pensions people don't inform the Krankenkasse automatically.


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