I studied in the UK - can I qualify for UK state pension?

M

Meself

Registered User
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6
Hi,
Great thread. Well done all who put it together.

Ive read somewhere that if you studied in uk those years may be added as additional years.

Does anyone know when this is applied ? Do I mention it seperately when sending off the application for additional AVCs?

I've checked my uk NI contributions but it's not clear, as I worked part time during those years. Some are added as Full Year, some not.

Thanks
 
Meself said:
if you studied in uk those years may be added as additional
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if you were working part-time & paying NI, then yes, I believe that will count.

Anything thats not a full year will show how much you have to pay to make it up to a full year.
 
Meself said:
Hi,
Great thread. Well done all who put it together.

Ive read somewhere that if you studied in uk those years may be added as additional years.

Does anyone know when this is applied ? Do I mention it seperately when sending off the application for additional AVCs?

I've checked my uk NI contributions but it's not clear, as I worked part time during those years. Some are added as Full Year, some not.

Thanks
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I created an account and logged in and for me the history did show the 3 years of study that I had in the Uk as "Full years" "National Insurance Credits - 52 weeks" even though I didn't work/make any NI contribution in those years
 
davy200 said:
I created an account and logged in and for me the history did show the 3 years of study that I had in the Uk as "Full years" "National Insurance Credits - 52 weeks" even though I didn't work/make any NI contribution in those years
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Don't look a gift horse in the mouth as they say! If you can pay Class 2 now so much the better :)
 
DannyBoyD said:
if you were working part-time & paying NI, then yes, I believe that will count.

Anything thats not a full year will show how much you have to pay to make it up to a full year.
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DannyBoyD, in your original key post, you mentioned that "Brexit/EU membership/ UK rejoins -All irrelevant in this context". Can we really say for sure that is the case? I see an unresolved thread about it elsewhere on here. https://www.askaboutmoney.com/threa...uk-pension-is-drawn-down.230666/#post-1814315
 
davy200 said:
DannyBoyD, in your original key post, you mentioned that "Brexit/EU membership/ UK rejoins -All irrelevant in this context". Can we really say for sure that is the case? I see an unresolved thread about it elsewhere on here. https://www.askaboutmoney.com/threa...uk-pension-is-drawn-down.230666/#post-1814315
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Had I the ability to predict the future, I would be sitting pretty on my lotto winnings & not posting on AAM!

Based on what we all know at this time; including posts from people who are currently claiming both state pensions and government published information, I am confident that this is one of the best pension deals you will get.

I know many people who passed up on the SSIA package (thats going back a while!) because they were convinced that the Govt would somehow swipe all their money back.

Caution is a good thing, paranoia isnt.
 
The only downside I can see, is that giving your money to the UK in hopes of a pension, will only give you a return if you survive into pension age.
It isn't an investment, but somewhat of a gamble.
If you die before pension age, your money goes to support the rest of us. Thanks.
 
DannyBoyD said:
Thats true of any pension.
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Hi Danny,

I get your enthusiasm for the UK State pension but your enthusiasm may be blighting your perception. What Gervan said is a valid negative in relation to the UK pension and it is simply not true to imply/suggest that this is a feature of all pensions.

That said, I still believe, at a general level, that making voluntary contributions to this pension is highly attractive.
 
I’ve done some more digging and this seems to indicate that while secondary school does count, years at university don’t count automatically unless you had a part time job.
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www.thisismoney.co.uk

Why did I get a state pension credit in school, but none while in uni?

The four years when I was in full time education from 1976 to 1980 have not been counted and it is too late to buy these back. The year prior to that when I was in the sixth form has actually been counted.
www.thisismoney.co.uk www.thisismoney.co.uk
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Hi Marc, my National Insurance record concurs exactly with what you say. The three years between age 16 and 19 are credited as "Full years" with 52 weeks of NI Credits. The next 4 years which were spent at University (in the Uk) were not credited at all and show up as "year is not full". Then, the next few years, when I was full time employed in the Uk, show up as "Full years"
 
davy200 said:
The three years between age 16 and 19 are credited as "Full years" with 52 weeks of NI Credits. The next 4 years which were spent at University (in the Uk) were not credited at all and show up as "year is not full". Then, the next few years, when I was full time employed in the Uk, show up as "Full years"
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It's the same for me. Three years of full NI credits even though I never lived or worked in the UK til nearly a decade later.


If I read that link from @Marc correctly, these teenage years should be credited for anyone born between about 1958 and 1994.
 
NoRegretsCoyote said:
It's the same for me. Three years of full NI credits even though I never lived or worked in the UK til nearly a decade later.


If I read that link from @Marc correctly, these teenage years should be credited for anyone born between about 1958 and 1994.
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I take it that those three years of NI credits are only given if you were born in the North (which I was). Surely they don't give those 3 years of credit to those that were born outside Britain or the North if you later spend time working in the Uk in subsequent years??
 
NoRegretsCoyote said:
I was born in Dublin and didn't move to the UK or have an NI number until my 20s.

I still have these credits on my NI record.
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thanks for clarifying. Seems generous. I wonder does the Irish government have a reciprocal arrangement for people who move to the Republic and work here for a few years.
 
davy200 said:
I wonder does the Irish government have a reciprocal arrangement for people who move to the Republic and work here for a few years.
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Very much the opposite.


To pay voluntary PRSI contributions you have to have 520 weeks of paid PRSI contributions in Ireland, it's generally more expensive, and it's not possible if you are working in another EU member state. You also have to apply within five years of leaving.
 
My wife has 9 yrs contribution but does not have enough to qualify for pension
 
roker said:
My wife has 9 yrs contribution but does not have enough to qualify for pension
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If she is in the UK pension system, then she can purchase additional years. In her case, if she purchased one year, at a cost of 825 Euros ( or possibly less depending on circumstances) she would be entitled to 10/35 of a state pension upon reaching the appropriate age.
That's about 55 Pounds Sterling a week. In addition, she can, probably, purchase more years and increase that amount.
If you read the main thread, it covers the process.


Key Post - UK State Pension - Make voluntary contributions to qualify for UK pension on top of Irish pension

Summary If you lived in the UK for at least three years and worked there for at least some of this time. You can make backdated contributions of National Insurance for up to 18 years which will cost you either £163 for each year purchased or £824 for each year purchased. The UK state pension...
www.askaboutmoney.com
 
Allpartied said:
If she is in the UK pension system, then she can purchase additional years. In her case, if she purchased one year, at a cost of 825 Euros ( or possibly less depending on circumstances) she would be entitled to 10/35 of a state pension upon reaching the appropriate age.
That's about 55 Pounds Sterling a week. In addition, she can, probably, purchase more years and increase that amount.
If you read the main thread, it covers the process.


Key Post - UK State Pension - Make voluntary contributions to qualify for UK pension on top of Irish pension

Summary If you lived in the UK for at least three years and worked there for at least some of this time. You can make backdated contributions of National Insurance for up to 18 years which will cost you either £163 for each year purchased or £824 for each year purchased. The UK state pension...
www.askaboutmoney.com
Click to expand...
She would have to contribute an extra 9 yrs x £825 where as she is a dependent relative of myself she receives a full UK pension without extra contributions
 
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