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Old 29.11.2018, 20:10
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A pension here, a pension there, pensions everywhere!

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?
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Old 29.11.2018, 20:25
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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?
Been there, done that and got the tee shirt.

My husband has state pensions from the UK, France, Germany, Belgium and Switzerland plus company pensions from Switzerland and France.

I’m afraid there is no easy way to do it. You apply to Switzerland and they contact all the other countries who subsequently send you loads of lengthy forms to fill in and hopefully by the end of it all you will be receiving a pension from each of them. We get seven pension payments on varying dates of each month.

The German one was by far and away the most difficult of all of them.

We have no German or French bank accounts. The UK pension is paid into our UK account and the rest are paid into the Swiss accounts ( we have chf and euro accounts with the bank here).
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Old 29.11.2018, 20:27
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Re: A pension here, a pension there, pensions everywhere!

No idea - but consider yourself VERY lucky
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Old 29.11.2018, 20:31
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Re: A pension here, a pension there, pensions everywhere!

For the UK state Pension, one is required to have a minimum of 10 years, for part pension. Presently 35 complete years for the full pension, though could change in the future. (separately someone did say to me, a claim towards funeral expenses could also be made ca £1 or £2K, after one receives the pension)



No idea if other countries you refer to have minimum years to claim their State Pension, but you did not say whether it was State or private pensions in your message.
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Old 29.11.2018, 20:31
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Re: A pension here, a pension there, pensions everywhere!

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    No idea - but consider yourself VERY lucky
  • Looking at how much my UK pension is worth here in CH, I don't know if "lucky" is the word!
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Old 29.11.2018, 20:34
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Re: A pension here, a pension there, pensions everywhere!

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  • Looking at how much my UK pension is worth here in CH, I don't know if "lucky" is the word!
Well yes, exactly why I said it - very lucky you won't be totally dependent on Sterling pensions (as we are )
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Old 29.11.2018, 20:34
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Re: A pension here, a pension there, pensions everywhere!

State for all of them + Additional Teachers Pension Scheme for U.K. ,Germany and CH.
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Old 29.11.2018, 20:37
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Re: A pension here, a pension there, pensions everywhere!

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No idea if other countries you refer to have minimum years to claim their State Pension, but you did not say whether it was State or private pensions in your message.
France is five years and I believe Germany is three but it may be five too.
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Old 29.11.2018, 20:38
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Re: A pension here, a pension there, pensions everywhere!

Similar situation here, I am not looking forward to sorting that out......
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Old 29.11.2018, 20:44
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Re: A pension here, a pension there, pensions everywhere!

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France is five years and I believe Germany is three but it may be five too.


I only worked two years in Germany and they did not seem to indicate I could not claim my pension from them...in fact, they did a very thorough investigation of what I was entitled to (they missed out France, somehow!), saving me some time later, I guess.
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Old 29.11.2018, 20:45
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Re: A pension here, a pension there, pensions everywhere!

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Similar situation here, I am not looking forward to sorting that out......

Well, I now have all the contact names and emails for Germany, if that applies to you.
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Old 29.11.2018, 21:06
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Re: A pension here, a pension there, pensions everywhere!

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Well, I now have all the contact names and emails for Germany, if that applies to you.
Yes please, much appreciated!
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Old 29.11.2018, 21:30
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Re: A pension here, a pension there, pensions everywhere!

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Yes please, much appreciated!
international-0702@drv-bund.de


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Old 29.11.2018, 21:35
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Re: A pension here, a pension there, pensions everywhere!

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I only worked two years in Germany and they did not seem to indicate I could not claim my pension from them...in fact, they did a very thorough investigation of what I was entitled to (they missed out France, somehow!), saving me some time later, I guess.
There is some weird calculation they do based on the number of years you worked in other European countries so you will still get a little something even if you haven’t got enough years in Germany.
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Old 29.11.2018, 21:40
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Re: A pension here, a pension there, pensions everywhere!

UK pension people write to you before pension age to remind you.

The Swiss pension you have ask for - with a form or they don‘t give it to you.

Both departments speak to each other rather slowly. The UK was informed I was self employed in Switzerland and for some reason increased my UK pension. My UK pension is paid in CHF to my ZKB account.

Every couple fo year the UK pension people write asking if I’m still alive with a form to complete. I take this to the ZKB and they inspect me stamp and sign the form for free...

EDIT: I don‘t see how Brexit would have any affect on Swiss residents with UK bank accounts. I have had a LLoyds current account for over 40 years...
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Old 29.11.2018, 21:56
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Re: A pension here, a pension there, pensions everywhere!

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UK pension people write to you before pension age to remind you.

The Swiss pension you have ask for - with a form or they don‘t give it to you.



Every couple fo year the UK pension people write asking if I’m still alive with a form to complete. I take this to the ZKB and they inspect me stamp and sign the form for free...
We were sent a letter by the Swiss pension folk well before my husband reached retirement age but contacted the UK folk ourselves. We didn’t need to ask for the Swiss ones.
Had we waited a bit longer we could have done the UK one through the Swiss agency but it doesn’t really make any difference as you have to fill out all the same forms anyway.

Hubby gets several of these letters every year and he takes them to the commune to get them stamped. Every time he goes in there now the woman asks him if he needs proof of being alive. She was surprised yesterday since it was the permit renewal forms he went in with.
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Old 29.11.2018, 22:06
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Re: A pension here, a pension there, pensions everywhere!

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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?
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.

What a bloody mess.
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Old 29.11.2018, 22:16
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Re: A pension here, a pension there, pensions everywhere!

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but it doesn’t really make any difference as you have to fill out all the same forms anyway.
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.
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Old 30.11.2018, 00:47
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Re: A pension here, a pension there, pensions everywhere!

UK state pension:

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

hurrah
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Old 30.11.2018, 07:08
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Re: A pension here, a pension there, pensions everywhere!

I will also have a similar situation in several decades. Any tips about kind of documentation I should have for when the time comes?
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