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UK state pension and USA social security

UK state pension and USA social security

Old Feb 20th 2019, 12:08 am
  #1576  
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Default Re: UK state pension and USA social security

Originally Posted by lansbury View Post
If you do not qualify for either a UK or US pension you can combine them to qualify for one of them. If you qualify for one or both pensions, you cannot transfer from one to the other.
Thanks that is what I thought but wanted to check. For the other question still curous
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Old Feb 20th 2019, 2:29 pm
  #1577  
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Default Re: UK state pension and USA social security

Originally Posted by morpeth View Post
My other question- I have read for UK state mention one needs to have worked 3 years in UK before departing, or have three years contrbutions ( for example through class 2 or class
I thought it used to be more like seven or eight years, and is now ten.
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Old Feb 20th 2019, 2:36 pm
  #1578  
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Default Re: UK state pension and USA social security

Originally Posted by Nutmegger View Post
I thought it used to be more like seven or eight years, and is now ten.
That is also my understanding

https://www.gov.uk/new-state-pension/how-its-calculated

You’ll usually need at least 10 qualifying years on your National Insurance record to get any State Pension.

You’ll need 35 qualifying years to get the full new State Pension.
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Old Feb 20th 2019, 2:41 pm
  #1579  
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Default Re: UK state pension and USA social security

Originally Posted by Nutmegger View Post
I thought it used to be more like seven or eight years, and is now ten.
The 3 year rule relates to expats. You must have paid 3 years contributions prior to leaving the UK in order to qualify to pay voluntary payments from overseas.
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Old Feb 20th 2019, 4:05 pm
  #1580  
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Default Re: UK state pension and USA social security

If you are thinking of contributing another 30 something years, remember the UK Government has moved the goal posts many times on pensions.
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Old Feb 20th 2019, 4:49 pm
  #1581  
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Default Re: UK state pension and USA social security

Originally Posted by chawkins99 View Post
The 3 year rule relates to expats. You must have paid 3 years contributions prior to leaving the UK in order to qualify to pay voluntary payments from overseas.
Thanks for the qualifier -- the OP's query wasn't clear as to just what he meant -- being eligible for the pension in general, or being eligible to make voluntary contributions.
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Old Feb 20th 2019, 5:15 pm
  #1582  
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Default Re: UK state pension and USA social security

Originally Posted by chawkins99 View Post
The 3 year rule relates to expats. You must have paid 3 years contributions prior to leaving the UK in order to qualify to pay voluntary payments from overseas.
has that 3 year rule always been in place ?
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Old Feb 20th 2019, 5:37 pm
  #1583  
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Default Re: UK state pension and USA social security

Originally Posted by lansbury View Post
If you do not qualify for either a UK or US pension you can combine them to qualify for one of them. If you qualify for one or both pensions, you cannot transfer from one to the other.
Pretty sure this is incorrect. For example, let's say you qualify for US SS through 20 years of contributions, but have only 8 years UK, you can use your US record to qualify for UK state pension. There is no "transfer" per se; your UK state pension will still be based on 8/35ths of the full amount, but at least you'll qualify. Check out page 7 of the totalization agreement:

https://www.ssa.gov/pubs/EN-05-10199.pdf
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Old Feb 20th 2019, 5:38 pm
  #1584  
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Default Re: UK state pension and USA social security

Originally Posted by morpeth View Post
has that 3 year rule always been in place ?
It was certainly in place when I started paying voluntary contributions, which was quite a while ago.
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Old Feb 20th 2019, 5:43 pm
  #1585  
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Default Re: UK state pension and USA social security

Originally Posted by morpeth View Post
has that 3 year rule always been in place ?
I have no idea. I recall another post on here where someone was told by the pensions helpline that they couldn't make voluntary contributions because they had not paid 3 years before leaving. A quick search failed to find it.

As will all advice on here. Trust but verify.
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Old Feb 20th 2019, 6:41 pm
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Default Re: UK state pension and USA social security

Originally Posted by chawkins99 View Post
I have no idea. I recall another post on here where someone was told by the pensions helpline that they couldn't make voluntary contributions because they had not paid 3 years before leaving. A quick search failed to find it.

As will all advice on here. Trust but verify.
The information can be found in the NI38 instructions: https://assets.publishing.service.go...59966/NI38.pdf

You can pay Class 2 (or 3) NICs if you are employed or self-employed abroad and if you satisfy the following conditions:

• you have lived in the UK for a continuous 3-year period at any time before the period for which NICs are to be paid - (if you have lived or worked in another EEA country or in Turkey, time spent there may help you to meet this condition)

before going abroad you paid a set amount in NICs for 3 years or more (this will be checked when you ask to pay Class 2/3 NICs)

• immediately before going abroad you were ordinarily an employed or self-employed earner in the UK




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Old Feb 20th 2019, 11:44 pm
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Default Re: UK state pension and USA social security

Originally Posted by Giantaxe View Post
Pretty sure this is incorrect. For example, let's say you qualify for US SS through 20 years of contributions, but have only 8 years UK, you can use your US record to qualify for UK state pension. There is no "transfer" per se; your UK state pension will still be based on 8/35ths of the full amount, but at least you'll qualify. Check out page 7 of the totalization agreement:

https://www.ssa.gov/pubs/EN-05-10199.pdf
Well all I can say is the opinion of not being able to use the credits if you qualify for one pension to qualify for the other is something I've been told several times on BE. It is also consistent with Mrs L's experience in trying to use her SS credits for the UK State pension. She eventually got a UK State pension based on 60% of mine.

Mind you I always thought that what that publication outlines was the way it was done until we tried to get Mrs L's pension.

Last edited by lansbury; Feb 20th 2019 at 11:46 pm.
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Old Feb 20th 2019, 11:48 pm
  #1588  
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Default Re: UK state pension and USA social security

Originally Posted by lansbury View Post
Well all I can say is the opinion of not being able to use the credits if you qualify for one pension to qualify for the other is something I've been told several times on BE. It is also consistent with Mrs L's experience in trying to use her SS credits for the UK State pension. She eventually got a UK State pension based on 60% of mine.

Mind you I always thought that what that publication outlines was the way it was done until we tried to get Mrs L's pension.
If she qualified for a UK state pension based on being your spouse then I don't think the totalization agreement would come into play:

"If you meet all the basic requirements under one country’s system, you will get a regular benefit from that country."

Your wife met the basic requirements by virtue of being your wife (no longer the case for newer retirees, I note...).

Last edited by Giantaxe; Feb 20th 2019 at 11:56 pm.
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Old Feb 21st 2019, 12:30 am
  #1589  
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Default Re: UK state pension and USA social security

Just wanted to clarify that a spouse cannot get any benefit of a UK state pension based solely on their partners' UK state pension.

Is it correct that was eradicated?
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Old Feb 21st 2019, 12:37 am
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Default Re: UK state pension and USA social security

Originally Posted by Hotscot View Post
Just wanted to clarify that a spouse cannot get any benefit of a UK state pension based solely on their partners' UK state pension.

Is it correct that was eradicated?
Correct, for retirees reaching full pension age beyond a certain date (April '16?).
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