UK state pension and USA social security
#976
Re: UK state pension and USA social security
You should make sure you either file a US-Individual-2002 with HMRC (via the IRS) to claim a treaty exemption so that no UK tax will be due or withheld or, if your income is low enough, file an R43 form to claim a UK personal allowance to avoid UK taxation.
#977
Just Joined
Joined: Nov 2015
Location: Washington State
Posts: 5
Re: UK state pension and USA social security
To request benefit information: 011 44 191 218 3600 (from USA)
To find out about voluntary contributions: 011 44 191 203 7010
If you are already over 65 and have all qualifying years: 011 44 191 218 7777
8 hour time difference for me here in the Great Pacific Northwest.
To find out about voluntary contributions: 011 44 191 203 7010
If you are already over 65 and have all qualifying years: 011 44 191 218 7777
8 hour time difference for me here in the Great Pacific Northwest.
#978
Forum Regular
Joined: Sep 2013
Posts: 120
Re: UK state pension and USA social security
To request benefit information: 011 44 191 218 3600 (from USA)
To find out about voluntary contributions: 011 44 191 203 7010
If you are already over 65 and have all qualifying years: 011 44 191 218 7777
8 hour time difference for me here in the Great Pacific Northwest.
To find out about voluntary contributions: 011 44 191 203 7010
If you are already over 65 and have all qualifying years: 011 44 191 218 7777
8 hour time difference for me here in the Great Pacific Northwest.
Reason I asked is I recently tried many times to contact them re: a letter to them for voluntary NI's. Could never get someone to pick up the phone. I can't recall which number I used, but it may have been a different department. They did finally write back, I thought the original letter to them hadn't gotten lost. I'll make a note of these numbers.
Thanks
#979
Just Joined
Joined: Dec 2015
Posts: 3
Re: UK state pension and USA social security
British company pension and California defined benefit pension.
Does anybody know if I can claim on the CA Company’s Defined Benefit plan, whilst I worked there? I worked for a UK company and transfer to the CA office from 1987-1996. I will get a pension from the UK Company for the time I worked in both countries. However I just found out that the US Company had a defined benefit pension. I was in their 401k program and am a Green Card holder. I have requested a copy of the plan, but haven’t heard back yet.
Thanks any advice or direction anybody can offer.
Does anybody know if I can claim on the CA Company’s Defined Benefit plan, whilst I worked there? I worked for a UK company and transfer to the CA office from 1987-1996. I will get a pension from the UK Company for the time I worked in both countries. However I just found out that the US Company had a defined benefit pension. I was in their 401k program and am a Green Card holder. I have requested a copy of the plan, but haven’t heard back yet.
Thanks any advice or direction anybody can offer.
#980
Re: UK state pension and USA social security
British company pension and California defined benefit pension.
Does anybody know if I can claim on the CA Company’s Defined Benefit plan, whilst I worked there? I worked for a UK company and transfer to the CA office from 1987-1996. I will get a pension from the UK Company for the time I worked in both countries. However I just found out that the US Company had a defined benefit pension. I was in their 401k program and am a Green Card holder. I have requested a copy of the plan, but haven’t heard back yet.
Thanks any advice or direction anybody can offer.
Does anybody know if I can claim on the CA Company’s Defined Benefit plan, whilst I worked there? I worked for a UK company and transfer to the CA office from 1987-1996. I will get a pension from the UK Company for the time I worked in both countries. However I just found out that the US Company had a defined benefit pension. I was in their 401k program and am a Green Card holder. I have requested a copy of the plan, but haven’t heard back yet.
Thanks any advice or direction anybody can offer.
#981
Just Joined
Joined: Dec 2015
Posts: 3
Re: UK state pension and USA social security
Hi, thanks for your fast reply. Correct, I rolled the 401k over to Vanguard. I was looking for somewhere to go for an independent opinion, other than the companies. I believe the DB was frozen in 08/09 and possible underfunded. So I’m thinking their quickest (and cheapest) answer is going to be no, to get rid of me. Any suggestions welcome. Thanks again.
#982
Just Joined
Joined: Dec 2015
Posts: 3
Re: UK state pension and USA social security
Hi, thanks for your fast reply. Correct, I rolled the 401k over to Vanguard. I was looking for somewhere to go for an independent opinion, other than the companies. I believe the DB was frozen in 08/09 and possible underfunded. So I’m thinking their quickest (and cheapest) answer is going to be no, to get rid of me. Any suggestions welcome. Thanks again.
#983
Re: UK state pension and USA social security
I know most of these point don't affect people here, but here is the latest on pensions from money box.
I’m going to bang on about the state pension again. Well, it’s been on my mind. I gave my evidence to the Work & Pensions Select Committee in Parliament ten days ago. Before I was questioned the MPs quizzed the former Pensions Minister Steve Webb. He lost his seat in the General Election and is now Director of Policy at the insurers Royal London.
He admitted quite frankly to the Committee that his reforms of the state pension – which begin on 6 April – had to be done at nil cost. Or as he put it “When I went to the Treasury wanting to reform the State Pension, the one thing they said to me is—and I paraphrase slightly—‘Steve, you can do what the hell you like, just don’t spend any more money.’”
In fact the new state pension will, in the long term, cost less than the present one. Job done. But the more I looked at the various groups and campaigners who are complaining about how the new state pension will treat them the more I thought that every niggling unfairness about it came from Steve Webb’s nil cost brief.
Now, without sounding too much like Meryl Streep and Steve Martin, it’s complicated. So bear with me.
1. Women born 6 April 1951 to 5 April 1953 all reach state pension age before the new state pension begins. So they won’t get the new state pension while men of the same age – who will be 65 when it begins – will. That is sex discrimination and they want the choice to have new or old.
2. The problems of women born 6 April 1953 to 5 April 1959 were covered in this newsletter two weeks ago. They were told about their state pension age rise just a couple of years before they were 60 and their age was raised not once but twice. That didn’t happen to any men.
3. As I reported here three weeks ago women will generally do less well than men out of the new state pension. Even by the 2050s one in seven women won’t get the full amount because they don’t have 35 years’ contributions compared with one in ten men. It is also expected that more women than men will not get a pension at all because they won’t get the minimum ten years’ contributions.
4. The new state pension will not allow women to claim a pension on their husband’s contributions either while he is alive or after his death. If they have an inadequate pension of their own they will have to rely on means-tested pension credit which is itself being cut by up to £13 a week.
5. Transitional rules cut back on the new State Pension for anyone who was not paying into SERPS and the State Second Pension which topped up the basic pension. As a result many will get little more than the old state pension in the first years of the new scheme. DWP figures show women are more likely to be affected than men.
6. And finally the cold-towel-round-head rules which affect people who were in company schemes. Under these rules the DWP will no longer inflation-proof part of their company scheme through the state pension. This rule will probably affect men more than women.
All those six items cut the cost of the new state pension to keep within the Treasury rules. All leave some groups – mainly women – feeling unfairly treated. Perhaps it’s a price worth paying to simplify the state pension and keep it affordable in the long term. But we should at least be clear who is paying that price.
I’m going to bang on about the state pension again. Well, it’s been on my mind. I gave my evidence to the Work & Pensions Select Committee in Parliament ten days ago. Before I was questioned the MPs quizzed the former Pensions Minister Steve Webb. He lost his seat in the General Election and is now Director of Policy at the insurers Royal London.
He admitted quite frankly to the Committee that his reforms of the state pension – which begin on 6 April – had to be done at nil cost. Or as he put it “When I went to the Treasury wanting to reform the State Pension, the one thing they said to me is—and I paraphrase slightly—‘Steve, you can do what the hell you like, just don’t spend any more money.’”
In fact the new state pension will, in the long term, cost less than the present one. Job done. But the more I looked at the various groups and campaigners who are complaining about how the new state pension will treat them the more I thought that every niggling unfairness about it came from Steve Webb’s nil cost brief.
Now, without sounding too much like Meryl Streep and Steve Martin, it’s complicated. So bear with me.
1. Women born 6 April 1951 to 5 April 1953 all reach state pension age before the new state pension begins. So they won’t get the new state pension while men of the same age – who will be 65 when it begins – will. That is sex discrimination and they want the choice to have new or old.
2. The problems of women born 6 April 1953 to 5 April 1959 were covered in this newsletter two weeks ago. They were told about their state pension age rise just a couple of years before they were 60 and their age was raised not once but twice. That didn’t happen to any men.
3. As I reported here three weeks ago women will generally do less well than men out of the new state pension. Even by the 2050s one in seven women won’t get the full amount because they don’t have 35 years’ contributions compared with one in ten men. It is also expected that more women than men will not get a pension at all because they won’t get the minimum ten years’ contributions.
4. The new state pension will not allow women to claim a pension on their husband’s contributions either while he is alive or after his death. If they have an inadequate pension of their own they will have to rely on means-tested pension credit which is itself being cut by up to £13 a week.
5. Transitional rules cut back on the new State Pension for anyone who was not paying into SERPS and the State Second Pension which topped up the basic pension. As a result many will get little more than the old state pension in the first years of the new scheme. DWP figures show women are more likely to be affected than men.
6. And finally the cold-towel-round-head rules which affect people who were in company schemes. Under these rules the DWP will no longer inflation-proof part of their company scheme through the state pension. This rule will probably affect men more than women.
All those six items cut the cost of the new state pension to keep within the Treasury rules. All leave some groups – mainly women – feeling unfairly treated. Perhaps it’s a price worth paying to simplify the state pension and keep it affordable in the long term. But we should at least be clear who is paying that price.
#984
Lost in BE Cyberspace
Joined: Jan 2006
Location: San Francisco
Posts: 12,852
Re: UK state pension and USA social security
I know most of these point don't affect people here, but here is the latest on pensions from money box.
1. Women born 6 April 1951 to 5 April 1953 all reach state pension age before the new state pension begins. So they won’t get the new state pension while men of the same age – who will be 65 when it begins – will. That is sex discrimination and they want the choice to have new or old.
1. Women born 6 April 1951 to 5 April 1953 all reach state pension age before the new state pension begins. So they won’t get the new state pension while men of the same age – who will be 65 when it begins – will. That is sex discrimination and they want the choice to have new or old.
...
2. The problems of women born 6 April 1953 to 5 April 1959 were covered in this newsletter two weeks ago. They were told about their state pension age rise just a couple of years before they were 60 and their age was raised not once but twice. That didn’t happen to any men.
2. The problems of women born 6 April 1953 to 5 April 1959 were covered in this newsletter two weeks ago. They were told about their state pension age rise just a couple of years before they were 60 and their age was raised not once but twice. That didn’t happen to any men.
Additionally, I'm hard pressed to describe a phasing out of a discrimination in favour of women as being discrimination against women.
Last edited by Giantaxe; Dec 4th 2015 at 8:06 pm.
#985
Forum Regular
Joined: Jun 2014
Location: Long Beach, CA
Posts: 94
Re: UK state pension and USA social security
I need an opinion/thoughts on claiminr UK State Pension as well as the US SS. My brother contributed fully to the US SS for 30 years and been claiming his SS for the past several years. Prior to moving to the US, he had worked in the UK in the 1960s for 7 years. When he filed his claim to the UK DWP recently, he was advised that he did not qualify for the UK State Pension because he had only 7 years and the minimum required in his case was 11 years. My understanding was that he could take credits for some of his US years to make up for the shortage of years/contributions in the UK without affecting his US SS. Furthermore, I thought this way he could qualify for Pension in both countries. Could someone ( Lansbury, nun)and others please opine on this subject?
The letter from the DWP ends saying that they will be contacting their counterpart in the US "to see if we can improve your pension". What in your opinion does this mean? SS Pension in the US or the UK?
The letter from the DWP ends saying that they will be contacting their counterpart in the US "to see if we can improve your pension". What in your opinion does this mean? SS Pension in the US or the UK?
#986
Re: UK state pension and USA social security
You can only move credits from one country to the other if you don't qualify for a pension in either. Also it must be done before claiming a pension I believe.
As your brother qualifies for SS he can't use credits from that for his UK pension. I suspect when the DWP look into improving his pension he will be told that it cannot be done.
As your brother qualifies for SS he can't use credits from that for his UK pension. I suspect when the DWP look into improving his pension he will be told that it cannot be done.
#987
Forum Regular
Joined: Jun 2014
Location: Long Beach, CA
Posts: 94
Re: UK state pension and USA social security
You can only move credits from one country to the other if you don't qualify for a pension in either. Also it must be done before claiming a pension I believe.
As your brother qualifies for SS he can't use credits from that for his UK pension. I suspect when the DWP look into improving his pension he will be told that it cannot be done.
As your brother qualifies for SS he can't use credits from that for his UK pension. I suspect when the DWP look into improving his pension he will be told that it cannot be done.
Here is what I found
#988
Forum Regular
Joined: Jun 2014
Location: Long Beach, CA
Posts: 94
#989
Forum Regular
Joined: Jun 2014
Location: Long Beach, CA
Posts: 94
Re: UK state pension and USA social security
You can only move credits from one country to the other if you don't qualify for a pension in either. Also it must be done before claiming a pension I believe.
As your brother qualifies for SS he can't use credits from that for his UK pension. I suspect when the DWP look into improving his pension he will be told that it cannot be done.
As your brother qualifies for SS he can't use credits from that for his UK pension. I suspect when the DWP look into improving his pension he will be told that it cannot be done.
https://www.ssa.gov/international/Ag...phlets/uk.html
#990
Forum Regular
Joined: Jun 2014
Location: Long Beach, CA
Posts: 94
Re: UK state pension and USA social security
Lets try again for the third time! For some reason it is not letting me post excerpts from Totalization Agreement.
https://www.ssa.gov/international/Ag...phlets/uk.html
https://www.ssa.gov/international/Ag...phlets/uk.html
What are your thoughts on this?