British Expats

British Expats (https://britishexpats.com/forum/)
-   Moving back or to the UK (https://britishexpats.com/forum/moving-back-uk-61/)
-   -   Returning to the UK from South Africa (https://britishexpats.com/forum/moving-back-uk-61/returning-uk-south-africa-875137/)

sueffun Apr 9th 2016 11:04 pm

Re: Returning to the UK from South Africa
 

Originally Posted by Editha (Post 11918805)
The link works for me, so I'm not sure how it isn't working for you.

The url is:https://www.gov.uk/check-state-pension. Type it in the address line if necessary.

The OP and spouse have already claimed their state pensions, so my guess is that they made enough contributions before they emigrated, to get a partial pension when they retired.

I'm not knowledgeable on voluntary NI contributions. Hopefully someone will be along to give you more detailed advice. But, I do know you can pay back payments of 6 years. Since you have another five years to go to retirement age, that makes eleven years that you could accumulate before retirement, added to any you paid before you left the UK.

A full pension now requires 35 years contributions, but you might get as much as 50% of that.

However, the new pension rules, and the transitional arrangements do complicate things.

I did eventually get the link to work. I was looking through everything and it is quite complicated, it would be nice just to be able to give your NI number, they look up how much you had contributed and then tell you how much you need to contribute to qualify now.
With the exchange rate it may not even be worth doing the voluntary contributions, especially as I can't even find out how much I would have to pay in for NIC3. Thanks again.

Editha Apr 9th 2016 11:07 pm

Re: Returning to the UK from South Africa
 
You can't work it out from just looking at the website. You do need to apply for a pension forecast. It doesn't cost anything to do so, and then you will have the information you need to make a decision.

sueffun Apr 9th 2016 11:42 pm

Re: Returning to the UK from South Africa
 

Originally Posted by Editha (Post 11918815)
You can't work it out from just looking at the website. You do need to apply for a pension forecast. It doesn't cost anything to do so, and then you will have the information you need to make a decision.

I will do that and work out if it's worth it.


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