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Forum: USA
Mar 13th 2015, 1:37 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

Considering the new UK pension laws, it may be an incentive for those with a UK pension to cash it out rather than take a pension from it, in order to avoid WEP ... ??

ETA: I guess not, as people...
Forum: USA
Mar 10th 2015, 7:32 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

Could you provide a link that supports this statement?

In prior rounds of this never-ending discussion, various knowledgeable people have pointed towards specific wording from US SS Web pages, or...
Forum: USA
Mar 10th 2015, 7:24 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

Whichever it is, it seems ludicrous that it should take so long to solve what should be a relatively straightforward question. It's not as if the UK state pension system is shrouded in secrecy.

I...
Forum: USA
Mar 9th 2015, 10:56 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

So that was the mysterious "Post 639" we were told to see. :lol:
Forum: USA
Mar 9th 2015, 10:32 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Forum: USA
Mar 9th 2015, 10:07 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

I think that's what you think.
Forum: USA
Mar 9th 2015, 9:19 pm
Forum: USA
Mar 9th 2015, 8:36 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

Of course we could debate ourselves in ever-decreasing circles but until Nun retires we won't know the "true" answer. ;)
Forum: USA
Mar 9th 2015, 8:33 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

a) No, you don't.

b) Who said it had to be linear?

c) It's related to years of contributions. Say you earn £30k p.a. and pay in for 30 years; I earn £60k p.a. and pay in for 20 years. You get...
Forum: USA
Mar 9th 2015, 7:23 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

If the size of the pension is not related to the size of your earnings, then doesn't that mean it's not earnings-related?
Forum: USA
Feb 6th 2015, 10:25 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

Maybe they should, under some sort of US-UK tax/totalization treaty. After all, we let foreigners pay NI in our country after they leave.
Forum: USA
Feb 6th 2015, 12:20 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

This may be regurgitating past information but can someone explain in a few words, in lay terms, the following:

What is the main principle or rationale for applying WEP?

[the little I...
Forum: USA
Jan 30th 2015, 5:26 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

Interesting that the two pensions work differently.

Re: the bit in bold, I'm not holding my breath. And my concern is if they screw it up, it will only make things more complicated. I'm still...
Forum: USA
Jan 30th 2015, 4:45 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

I figured the break-even point for me if I take US SS from age 62 was 81 years of age. If I hold off on UK pensions until 66 thereby avoiding WEP for 4 years, even later.

As most males in my...
Forum: USA
Jan 30th 2015, 4:18 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

Maybe I am using the wrong terminology ... so SS is paid free of tax and then the recipient pays via the tax return?

I know that TIAA-CREF were saying they'd withhold tax on any payments from my...
Forum: USA
Jan 30th 2015, 3:40 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

Not sure I understand why citizenship is relevant to applying for SS pension ... :confused: Is it to do with liability for US income tax withholding at source?
Forum: USA
Jan 30th 2015, 10:58 am
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

From the various treads, it looks like several of "us" (BE-ers) are due to apply for SS in the next few years. It would be helpful to hear back how it went, especially if you were forewarned and...
Forum: USA
Jan 29th 2015, 9:12 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

You're correct, I remember that one but damned if I can find it.
Forum: USA
Jan 29th 2015, 9:07 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

Post 551:



Post 554:




I think it's time you thought about retiring, 'cos you are repeating yourself. ;)
Forum: USA
Jan 29th 2015, 7:48 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

I think it is this:



- it's whatever "the lady who asks you the question" when you apply for SS pension decides it is. :thumbdown:
Forum: USA
Jan 29th 2015, 7:37 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

... and you were WEP'ed based on your entire UK State Pension, if I remember correctly - is that right?
Forum: USA
Jan 29th 2015, 7:25 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

Sorry, what is NHI?

I think another part of the WEP "equation" (whether you should be WEP'ed) is related to earning a pension on income that was US SS-exempt. The questions in the link don't seem...
Forum: USA
Jan 29th 2015, 6:56 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

But from the few personal accounts on here of what actually happens at retirement, WEP is largely based on your response to one or two questions when you apply to receive SS. These questions ask...
Forum: USA
Jan 29th 2015, 6:26 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

I think I am turning weird because I am starting to actually enjoy these conversations. :o
Forum: USA
Jan 29th 2015, 6:10 pm
Replies: 1,632
Views: 359,357
Posted By dunroving

Re: UK state pension and USA social security

I think the correct situation is that (to borrow your text and change) "the statement from the SS assumes that you will earn whatever you earned in the latest year until your full retirement age"
...
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