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Old 31.08.2012, 17:40
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Reduced State Pension.

Wonder if anybody is in a similar situation as me and hopefully can shed some light on what I can expect regarding UK state Pension.

I have Swiss/British dual nationality and lived in the UK for over 30 years. Most of that time I was self employed but also had a part-time job for the last 2 years before returning to Switzerland. I've been advised that all together I have enough contributing years that entitle me to a full UK State Pension (minimum of 30 years).

I now have a similar part time job in Switzerland and pay AHV contributions. I've had my Swiss State Pension calculated and if I continue to make contributions until I reach retirement age I will be entitled to about 320 CHF a month.

Finally my question..............If I retire in Switzerland will my UK State Pension be reduced by the amount of AHV I'll get or will I get the full UK state pension plus the the AHV?

Thanks in advance.
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Old 01.09.2012, 10:52
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Re: Reduced State Pension.

The two pensions will be calculated on their own merits and you will get both, they are independant of each other.

If you have low capital and low income you can apply for extra social assistance. Here is a calculator,

http://www.stadt-zuerich.ch/content/sd/de/index/beratung/zusatzleistungen/onlinecheck/iframe.html

You should apply at your Gemeinde about 3 months before you retire. Your application is sent to an office in Geneva,
whom contact the UK for you.
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Old 01.09.2012, 11:10
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Re: Reduced State Pension.

Thanks Sbrinz, hubby retires next year, so any info could be useful .
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Old 01.09.2012, 16:53
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Re: Reduced State Pension.

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The two pensions will be calculated on their own merits and you will get both, they are independant of each other.

If you have low capital and low income you can apply for extra social assistance. Here is a calculator,

http://www.stadt-zuerich.ch/content/sd/de/index/beratung/zusatzleistungen/onlinecheck/iframe.html

You should apply at your Gemeinde about 3 months before you retire. Your application is sent to an office in Geneva,
whom contact the UK for you.
Thank you sbrinz.

I assumed that the two pensions would be treated separately but this quote from the UK gov. website worried me.

"If you’re a Briton living abroad and last paid pension contributions abroad, you should claim State Pension through the country where you last paid contributions."

Luckily I won't have to make use of the Zusatzleistung but I still want to make sure I know what I can expect when I reach the magical 65 (3 more year).

I've had the AHV calculated and will get the princely sum of 320 francs a month and (if I understand you correctly) as I've contributed for at least 30 years in the UK should therefore get the single pension of £95 a week.
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Old 01.09.2012, 17:13
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Re: Reduced State Pension.

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Thank you sbrinz.

I assumed that the two pensions would be treated separately but this quote from the UK gov. website worried me.

"If you’re a Briton living abroad and last paid pension contributions abroad, you should claim State Pension through the country where you last paid contributions."

Luckily I won't have to make use of the Zusatzleistung but I still want to make sure I know what I can expect when I reach the magical 65 (3 more year).

I've had the AHV calculated and will get the princely sum of 320 francs a month and (if I understand you correctly) as I've contributed for at least 30 years in the UK should therefore get the single pension of £95 a week.
Assuming you were earning a normal salary then there will be some SURPS top up.
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Old 02.09.2012, 13:51
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Re: Reduced State Pension.

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Assuming you were earning a normal salary then there will be some SURPS top up.
I was self employed for 29 out of 30 years.
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