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"I don't know the answer to your question Shag but I think it's sad that someone who contributed to something all their life is then denied the full benefit because they move to a different country. Of course I understand that they won't be spending the money in this country but it is "their" money. My opinion is that they should get the full amount of they return but I don't know if that would happen" Yes as they have contributed all their life here and yes. I dont see why a pension would stop just cos one move to another country that doesnt have connections to the uk. | |||
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"I am not sure if you have read the article? Here it is: https://www.express.co.uk/finance/personalfinance/1560893/state-pension-frozen-expats-payments-UK-2022 It was a bit sad, but apparently a 85 year old man got his pension frozen at £70 a week for 18 years, payments usually increase each year, the decision could be cos in 2003 they moved to austrailia which is one of the countries where one wont receive their pension at, so that is why it might of been frozen when they moved there, do you think that the normal sum would be return of what he should receive if they moved back to the uk? " Oooh… my job!!! So background time!!! The UK and Australia used to have various reciprocal pension agreements that meant that credits accrued in one country towards a state pension would count in the other… it also means that citizens living in another country would still get increases as if they lived in their own country!!! The agreement between the uk and Australia ended in 2001… it was the Australian government that pulled the agreement! These sorts of agreements are common place… there is one that covers all EU and EEA countries, of which the UK is still part of and has agreed to continue to be a part of The uk has the same agreements with the likes of the US Canada, New Zealand, Israel, the Philippines, ect Any country that doesn’t have an agreement is considered to be a frozen rate country… which means that if they live there then do not get the inflationary increases year on year! If he left for Australia in 2003, he would have known this… the fact that he has decided to live in Australia for 18 years is mute in this example because the rules haven’t changed since he first got it!!! If he came back to live in the uk he would start getting the inflationary increases year on year from that point! | |||
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"I am not sure if you have read the article? Here it is: https://www.express.co.uk/finance/personalfinance/1560893/state-pension-frozen-expats-payments-UK-2022 It was a bit sad, but apparently a 85 year old man got his pension frozen at £70 a week for 18 years, payments usually increase each year, the decision could be cos in 2003 they moved to austrailia which is one of the countries where one wont receive their pension at, so that is why it might of been frozen when they moved there, do you think that the normal sum would be return of what he should receive if they moved back to the uk? Oooh… my job!!! So background time!!! The UK and Australia used to have various reciprocal pension agreements that meant that credits accrued in one country towards a state pension would count in the other… it also means that citizens living in another country would still get increases as if they lived in their own country!!! The agreement between the uk and Australia ended in 2001… it was the Australian government that pulled the agreement! These sorts of agreements are common place… there is one that covers all EU and EEA countries, of which the UK is still part of and has agreed to continue to be a part of The uk has the same agreements with the likes of the US Canada, New Zealand, Israel, the Philippines, ect Any country that doesn’t have an agreement is considered to be a frozen rate country… which means that if they live there then do not get the inflationary increases year on year! If he left for Australia in 2003, he would have known this… the fact that he has decided to live in Australia for 18 years is mute in this example because the rules haven’t changed since he first got it!!! If he came back to live in the uk he would start getting the inflationary increases year on year from that point! " Sooooo if I emigrate you Canada I should be ok  | |||
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"I am not sure if you have read the article? Here it is: https://www.express.co.uk/finance/personalfinance/1560893/state-pension-frozen-expats-payments-UK-2022 It was a bit sad, but apparently a 85 year old man got his pension frozen at £70 a week for 18 years, payments usually increase each year, the decision could be cos in 2003 they moved to austrailia which is one of the countries where one wont receive their pension at, so that is why it might of been frozen when they moved there, do you think that the normal sum would be return of what he should receive if they moved back to the uk? Oooh… my job!!! So background time!!! The UK and Australia used to have various reciprocal pension agreements that meant that credits accrued in one country towards a state pension would count in the other… it also means that citizens living in another country would still get increases as if they lived in their own country!!! The agreement between the uk and Australia ended in 2001… it was the Australian government that pulled the agreement! These sorts of agreements are common place… there is one that covers all EU and EEA countries, of which the UK is still part of and has agreed to continue to be a part of The uk has the same agreements with the likes of the US Canada, New Zealand, Israel, the Philippines, ect Any country that doesn’t have an agreement is considered to be a frozen rate country… which means that if they live there then do not get the inflationary increases year on year! If he left for Australia in 2003, he would have known this… the fact that he has decided to live in Australia for 18 years is mute in this example because the rules haven’t changed since he first got it!!! If he came back to live in the uk he would start getting the inflationary increases year on year from that point! Sooooo if I emigrate you Canada I should be ok "I knew someone would pick Canada because it’s the awkward one…. 
Okay… if you go to Canada and stay.. Canada will not recognise UK credits.. it would be a frozen rate
If you go to Canada and then come back, the UK will recognise and credits you got whilst living in Canada to increase the amount of UK pension you would get…. | |||
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"I am not sure if you have read the article? Here it is: https://www.express.co.uk/finance/personalfinance/1560893/state-pension-frozen-expats-payments-UK-2022 It was a bit sad, but apparently a 85 year old man got his pension frozen at £70 a week for 18 years, payments usually increase each year, the decision could be cos in 2003 they moved to austrailia which is one of the countries where one wont receive their pension at, so that is why it might of been frozen when they moved there, do you think that the normal sum would be return of what he should receive if they moved back to the uk? Oooh… my job!!! So background time!!! The UK and Australia used to have various reciprocal pension agreements that meant that credits accrued in one country towards a state pension would count in the other… it also means that citizens living in another country would still get increases as if they lived in their own country!!! The agreement between the uk and Australia ended in 2001… it was the Australian government that pulled the agreement! These sorts of agreements are common place… there is one that covers all EU and EEA countries, of which the UK is still part of and has agreed to continue to be a part of The uk has the same agreements with the likes of the US Canada, New Zealand, Israel, the Philippines, ect Any country that doesn’t have an agreement is considered to be a frozen rate country… which means that if they live there then do not get the inflationary increases year on year! If he left for Australia in 2003, he would have known this… the fact that he has decided to live in Australia for 18 years is mute in this example because the rules haven’t changed since he first got it!!! If he came back to live in the uk he would start getting the inflationary increases year on year from that point! Sooooo if I emigrate you Canada I should be ok
I knew someone would pick Canada because it’s the awkward one….
Okay… if you go to Canada and stay.. Canada will not recognise UK credits.. it would be a frozen rate
If you go to Canada and then come back, the UK will recognise and credits you got whilst living in Canada to increase the amount of UK pension you would get…. "My son lives in a Canada so I want to be prepared  | |||
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"I am not sure if you have read the article? Here it is: https://www.express.co.uk/finance/personalfinance/1560893/state-pension-frozen-expats-payments-UK-2022 It was a bit sad, but apparently a 85 year old man got his pension frozen at £70 a week for 18 years, payments usually increase each year, the decision could be cos in 2003 they moved to austrailia which is one of the countries where one wont receive their pension at, so that is why it might of been frozen when they moved there, do you think that the normal sum would be return of what he should receive if they moved back to the uk? Oooh… my job!!! So background time!!! The UK and Australia used to have various reciprocal pension agreements that meant that credits accrued in one country towards a state pension would count in the other… it also means that citizens living in another country would still get increases as if they lived in their own country!!! The agreement between the uk and Australia ended in 2001… it was the Australian government that pulled the agreement! These sorts of agreements are common place… there is one that covers all EU and EEA countries, of which the UK is still part of and has agreed to continue to be a part of The uk has the same agreements with the likes of the US Canada, New Zealand, Israel, the Philippines, ect Any country that doesn’t have an agreement is considered to be a frozen rate country… which means that if they live there then do not get the inflationary increases year on year! If he left for Australia in 2003, he would have known this… the fact that he has decided to live in Australia for 18 years is mute in this example because the rules haven’t changed since he first got it!!! If he came back to live in the uk he would start getting the inflationary increases year on year from that point! Sooooo if I emigrate you Canada I should be ok
I knew someone would pick Canada because it’s the awkward one….
Okay… if you go to Canada and stay.. Canada will not recognise UK credits.. it would be a frozen rate
If you go to Canada and then come back, the UK will recognise and credits you got whilst living in Canada to increase the amount of UK pension you would get….
My son lives in a Canada so I want to be prepared "No worries…. Like I said it my job so I like to shoot down certain things which can be misleading and try to point people in the right direction…which is why I hate it when headlines can be misleading because it doesn’t tell the whole story with the correct context! | |||
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"Same old argument of people emigrating abroad and still expect nhs health care. Imo yes freeze it, people emigrate here and receive nhs & state pension. When you move away from the country you should no longer expect said country to support you. "To my mind a pension is different. I've paid national insurance since I started work, I understood the insurance part of it was cover for my old age in the form of a pension. Nobody mentioned that I needed to stay here after I retired, I've already had to wait six extra years | |||
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"Same old argument of people emigrating abroad and still expect nhs health care. Imo yes freeze it, people emigrate here and receive nhs & state pension. When you move away from the country you should no longer expect said country to support you.
To my mind a pension is different. I've paid national insurance since I started work, I understood the insurance part of it was cover for my old age in the form of a pension. Nobody mentioned that I needed to stay here after I retired, I've already had to wait six extra years "Well said! X | |||
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"Same old argument of people emigrating abroad and still expect nhs health care. Imo yes freeze it, people emigrate here and receive nhs & state pension. When you move away from the country you should no longer expect said country to support you.
To my mind a pension is different. I've paid national insurance since I started work, I understood the insurance part of it was cover for my old age in the form of a pension. Nobody mentioned that I needed to stay here after I retired, I've already had to wait six extra years "But here is the thing.. you don’t have to stay here!! For example.. retire to France or Spain or Greece or New Zealand for example and they would have got the inflationary increases If the rules had been changed mid retirement.. then I would agree to the argument, but in this person’s case he would have known the rules before he went out, the fact that he’s been there for 18 years is irrelevant | |||
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"Same old argument of people emigrating abroad and still expect nhs health care. Imo yes freeze it, people emigrate here and receive nhs & state pension. When you move away from the country you should no longer expect said country to support you.
To my mind a pension is different. I've paid national insurance since I started work, I understood the insurance part of it was cover for my old age in the form of a pension. Nobody mentioned that I needed to stay here after I retired, I've already had to wait six extra years
But here is the thing.. you don’t have to stay here!! For example.. retire to France or Spain or Greece or New Zealand for example and they would have got the inflationary increases
If the rules had been changed mid retirement.. then I would agree to the argument, but in this person’s case he would have known the rules before he went out, the fact that he’s been there for 18 years is irrelevant
"Yeah I understand roolz is roolz | |||
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Love seeing advice like this from a place of passion/enthusiam/experience instead of just facts from a Google search. | |||
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"Fabio today's forum MVP!
Love seeing advice like this from a place of passion/enthusiam/experience instead of just facts from a Google search. "Amen to that! #nottiredofexperts | |||
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"Same old argument of people emigrating abroad and still expect nhs health care. Imo yes freeze it, people emigrate here and receive nhs & state pension. When you move away from the country you should no longer expect said country to support you. "Why not though? If the person has contributed into that system their whole working life. | |||
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"Same old argument of people emigrating abroad and still expect nhs health care. Imo yes freeze it, people emigrate here and receive nhs & state pension. When you move away from the country you should no longer expect said country to support you.
Why not though? If the person has contributed into that system their whole working life. "So are you saying that the problem is not the fact they were entitled to the full pension as was when they reached pension age, but the fact they are not getting the inflationary increases… So the question then becomes why should someone get an inflationary increase for living in the uk to account for uk price rises if they are not living in the UK? So for example… should someone who lives in Australia then get the Australian inflationary increase? What if that is higher than the UK? | |||
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"Slightly off topic, I’ve just been on the UK Gov check state pension website to check my pension (estimated) as I had been contributed out previously and was starting to worry that I’d get £50 a year or something. It’s a useful tool - highly recommend it. " You mean contracted out.. lol it’s not the worst thing that happened, and there were protections that were put in to make sure no one lost out… The check your state pension tool is brilliant for looking online to see where you stand, and if you have issues with the internet then we can post you out a statement But contracted out has become a boogeyman subject, when I explain it to customers in phone calls most people are really surprised! | |||
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"I am not sure if you have read the article? Here it is: https://www.express.co.uk/finance/personalfinance/1560893/state-pension-frozen-expats-payments-UK-2022 It was a bit sad, but apparently a 85 year old man got his pension frozen at £70 a week for 18 years, payments usually increase each year, the decision could be cos in 2003 they moved to austrailia which is one of the countries where one wont receive their pension at, so that is why it might of been frozen when they moved there, do you think that the normal sum would be return of what he should receive if they moved back to the uk? " I heard an identical experience on Moneybox this Sunday | |||
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"I am not sure if you have read the article? Here it is: https://www.express.co.uk/finance/personalfinance/1560893/state-pension-frozen-expats-payments-UK-2022 It was a bit sad, but apparently a 85 year old man got his pension frozen at £70 a week for 18 years, payments usually increase each year, the decision could be cos in 2003 they moved to austrailia which is one of the countries where one wont receive their pension at, so that is why it might of been frozen when they moved there, do you think that the normal sum would be return of what he should receive if they moved back to the uk? Oooh… my job!!! So background time!!! The UK and Australia used to have various reciprocal pension agreements that meant that credits accrued in one country towards a state pension would count in the other… it also means that citizens living in another country would still get increases as if they lived in their own country!!! The agreement between the uk and Australia ended in 2001… it was the Australian government that pulled the agreement! These sorts of agreements are common place… there is one that covers all EU and EEA countries, of which the UK is still part of and has agreed to continue to be a part of The uk has the same agreements with the likes of the US Canada, New Zealand, Israel, the Philippines, ect Any country that doesn’t have an agreement is considered to be a frozen rate country… which means that if they live there then do not get the inflationary increases year on year! If he left for Australia in 2003, he would have known this… the fact that he has decided to live in Australia for 18 years is mute in this example because the rules haven’t changed since he first got it!!! If he came back to live in the uk he would start getting the inflationary increases year on year from that point! " I lived in Australia and they had a reciprocal agreement for Medicare , but not for pension contributions , I earned and paid tax there for 3 years but still have a 3 year pension gap here. When I came home they even denied me student loans as non resident | |||
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"I am not sure if you have read the article? Here it is: https://www.express.co.uk/finance/personalfinance/1560893/state-pension-frozen-expats-payments-UK-2022 It was a bit sad, but apparently a 85 year old man got his pension frozen at £70 a week for 18 years, payments usually increase each year, the decision could be cos in 2003 they moved to austrailia which is one of the countries where one wont receive their pension at, so that is why it might of been frozen when they moved there, do you think that the normal sum would be return of what he should receive if they moved back to the uk? Oooh… my job!!! So background time!!! The UK and Australia used to have various reciprocal pension agreements that meant that credits accrued in one country towards a state pension would count in the other… it also means that citizens living in another country would still get increases as if they lived in their own country!!! The agreement between the uk and Australia ended in 2001… it was the Australian government that pulled the agreement! These sorts of agreements are common place… there is one that covers all EU and EEA countries, of which the UK is still part of and has agreed to continue to be a part of The uk has the same agreements with the likes of the US Canada, New Zealand, Israel, the Philippines, ect Any country that doesn’t have an agreement is considered to be a frozen rate country… which means that if they live there then do not get the inflationary increases year on year! If he left for Australia in 2003, he would have known this… the fact that he has decided to live in Australia for 18 years is mute in this example because the rules haven’t changed since he first got it!!! If he came back to live in the uk he would start getting the inflationary increases year on year from that point! I lived in Australia and they had a reciprocal agreement for Medicare , but not for pension contributions , I earned and paid tax there for 3 years but still have a 3 year pension gap here. When I came home they even denied me student loans as non resident " Depending on when you came back they are still allowing people to back pay any NI contribution gaps going back as far as 2006 if it can improve a person’s pension… it may be worth your while giving the future pension centre a call | |||
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