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  #21  
Old 30.11.2018, 08:55
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Re: A pension here, a pension there, pensions everywhere!

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From what I have read it only makes a difference if you don’t qualify for a full pension it at least one country or where there are additional benefits.

The additional benefits are a biggy in Ireland where all EU citizens are entitled to free public transport, electricity, phone etc, but only if you apply through the Irish pension board.
In most cases it isn’t possible to apply directly, you have to apply via the country you are resident in. It is possible that this will change for UK pensioners after brexit but for the moment that’s how it is.
When we were researching before hubby’s retirement we were told that it was impossible to apply directly in France, Germany or Belgium and it had to be done via Switzerland as that is where we are resident.
The UK was the only one amongst all the countries hubby had worked in where it was possible to make a direct application.

Additional benefits are usually only available in the country if residence anyway although hubby does have a card from the German pension authority which entitles him to reductions in Germany. Not much use since we no longer live there and quite surprising since be only worked a total of four and a half years there.

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UK state pension:

The most you can currently get is £125.95 per week.

hurrah
If you are a man born before 6 April 1951 or a woman born before 6 April 1953.

https://www.gov.uk/state-pension

If you were born after that then you are entitled to the ‘new’ state pension which is a little bit more.

https://www.gov.uk/new-state-pension/what-youll-get

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I will also have a similar situation in several decades. Any tips about kind of documentation I should have for when the time comes?
Salary slips, pension contribution records, all the addresses you’ve ever lived at and the dates, school and education details etc. etc

The German pension required details and proof of schooling which proved a little bit difficult as hubby’s school had ceased to exist many years ago. We did sort it out in the end but I think it too close on a year before it got sorted out. The good news is that the pension is backdated so a nice lump sum arrived once it was all finalised.
A friend is having similar problems with the German service at the moment so be warned if you are entitled to a German state pension it can be a very long process to get it.

Last edited by Belgianmum; 30.11.2018 at 09:19. Reason: Fat fingers.
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  #22  
Old 30.11.2018, 09:02
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Re: A pension here, a pension there, pensions everywhere!

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UK state pension:

The most you can currently get is £125.95 per week.

hurrah
According to this it is now £164.35 - £ 8,546 pa. @ Belgianmum - those years of birth should be 1951/1953

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All I can tell you is that on an Irish consumer forum people with UK pensions have been getting letters telling them that their pension can no longer be paid in to an Irish account and that they need to open UK accounts. But when they went north to Belfast to open one they were refused on the basis they were not UK residents and had no economic interest in UK. It seems getting your pension paid is not an economic interest.
According to this the UK pension can be paid into "a bank in the country you’re living in". Looks like a bit of left hand - right hand
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  #23  
Old 30.11.2018, 10:10
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Re: A pension here, a pension there, pensions everywhere!

Damn it. I already threw away my salary slips years ago :/... Okay better look into this ASAP while I still have old colleagues working
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  #24  
Old 30.11.2018, 10:13
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Re: A pension here, a pension there, pensions everywhere!

Did you get any yearly statements? I don´t have my salary slips but I kept the yearly statements.

Also, for example in Germany, you can contact your pension fund or the state pension and ask for an overview of what they have listed for you.

https://www.deutsche-rentenversicher...onto_node.html
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  #25  
Old 30.11.2018, 10:32
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Re: A pension here, a pension there, pensions everywhere!

I will check what I still have. Bookkeeping was not my forte in my 20s.
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  #26  
Old 30.11.2018, 10:46
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Re: A pension here, a pension there, pensions everywhere!

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I will also have a similar situation in several decades. Any tips about kind of documentation I should have for when the time comes?
Keep all end of year statements from the pension funds and get certified confirmation of state contributions where possible.

This advice applies to all by the way. My father-in-law spent 39 years working in the local school here and when he retired they could only find his contributions for the previous eight years. He had a very common Swiss name and with the changes to the system over time, somewhere along the way his records were lost.
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  #27  
Old 30.11.2018, 10:48
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Re: A pension here, a pension there, pensions everywhere!

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According to this the UK pension can be paid into "a bank in the country you’re living in". Looks like a bit of left hand - right hand
I have no experience of it, I just repeated what I read on it.
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  #28  
Old 30.11.2018, 11:05
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Re: A pension here, a pension there, pensions everywhere!

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Keep all end of year statements from the pension funds and get certified confirmation of state contributions where possible.

This advice applies to all by the way. My father-in-law spent 39 years working in the local school here and when he retired they could only find his contributions for the previous eight years. He had a very common Swiss name and with the changes to the system over time, somewhere along the way his records were lost.
Pillar 1 UK contributions can be seen online, Swiss ones can be confirmed by statement that can be ordered online.
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Old 30.11.2018, 11:27
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Re: A pension here, a pension there, pensions everywhere!

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UK state pension:

The most you can currently get is £125.95 per week.

hurrah
My UK pension went up on January 1 2018 to £201 a week. I did not make all the payments beyond 40 - though I did make a small top-up. My partner also gets a (smaller) UK state pension...
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Old 30.11.2018, 11:41
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Re: A pension here, a pension there, pensions everywhere!

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My UK pension went up on January 1 2018 to £201 a week. I did not make all the payments beyond 40 - though I did make a small top-up. My partner also gets a (smaller) UK state pension...
Sounds like you had a big SERPS pension which is no longer available to the younger generations.

The teachers pension scheme opted out of SERPS as did most final salary schemes.
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  #31  
Old 07.12.2018, 00:58
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Re: A pension here, a pension there, pensions everywhere!

UK State Pensions forecast - now available online at Gov.uk

Yes now you can have a complete up to date breakdown of your UK State Pensions forecast,
including all the years you have been paying National Insurance contributions, online from
the comfort of your own home.
So no need for inquiry forms anymore !!

If you submitted your UK tax returns by self assessment online, in the UK or
even if you were submitting your job searches online, while claiming Jobseekers
Allowance at a Jobcentre in the UK ( from 2012 onwards ) recently or in the past.
Then you will most likely have been given a UK Government gateway userid
and password.

Using your UK Government gateway userid and password - you can login
via the Gov.uk link below:

Gov.uk - Check your UK State Pension online

If you have none of the above - you can still use the link to request one or if your
a British Expat living and working in Germany and have an Ausweis:

Sign in with a digital identity from another European country If you are part of
Germany’s Online-Ausweis apparently you can use it to sign in at Gov.uk

Yes Britain might be leaving the EU after Brexit but Gov.uk is entering the EU by rolling out
access to those that have digital certificates, in their new EU host country.
So Gov.uk access via your Spanish government digital certificate is probably in the pipeline.
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  #32  
Old 07.12.2018, 10:03
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Re: A pension here, a pension there, pensions everywhere!

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So, yes, in effect, by the time I retire (still a long time to go!), I will have most of my pension from the U.K. and Switzerland, a wee bit from France and a weeish bit from Germany.


I contacted the German International Pension Bureau (it may be international but they only speak German and bloody fast) as well as the Caisse d'équivalence des Pensions here in Geneva, but the guy was a germanophone and, although he spoke good French, was not always easy to understand.


I had asked Germany if my two years' contributions could be transferred to Switzerland, and instead, after having me to fill in tons of incomprehensible forms, proceeded to look at every bit of my pension in other countries to base their calculations and no, it cannot be transferred.
All this work for bugger all!


Basically, I think I understood that when the time comes, I will need to apply to Switzerland, hopefully my last country of work and residence but then I will have a pension pot to draw from in each of the other countries. I was hoping it could all be centralised in Switzerland, but apparently not. With Brexit in particular, I am not even sure you can keep a bank account if you're no longer resident, so how would you claim your pension?






I seem to be getting only bits of information. Has anyone gone through this process or have better information?
Don't worry there are plenty of sharks out there who just want to gobble up your hard earned pensions
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