Just wondering, for a married person, what happens upon:
1. Death of contributor pre-retirement
2. Death in retirement
Also, as I'm just doing this now, can I just summarise the process please?
A. I send form CF83 to PT Operations North East England HM Revenue and Customs BX9 1AN United Kingdom. I include a cover letter and explain the years I've worked in Ireland. Do I need to provide evidence that I was employed?
B. I wait and hope that they can back to me in time for me to pay the backdated contributions by the April 2023 deadline.
I guess my question is whether there is anything I can do to help my application. Is there, for example, any benefit in ringing them at this stage? Also, is it worth sending my letter/application by recorded delivery?
As far as I can tell the UK New State Pension provides no benefits to spouse if you predecease your spouse, either before or after reaching retirement age.
I asked a similar question here and several posters confirmed it.
They are slow to respond, posters mention 1-3 month delays. Once you get the request in before April 2023 I highly doubt they will be able to prevent you making the voluntary NICs. I think a good idea to keep a record of all your correspondence with them in case it gets lost.
1. Should I send my letter by recorded delivery? I would.
2. Should I send evidence of where I worked in specific years? It's a bit ambigous on the form. I would state when employment outside the UK started and who your current employer is (they may not be the same).
3. Years ago, I got a letter showing how many years I've clocked up in the UK, should I include this? I doubt it as your NI record will be available already.
4. Is there any point in ringing them in a week's time to confirm receipt of letter? I only ever send them letters, not sure a call will help much they will just say you are at the back of the Q.
I pretty sure you are right about the spouse's pension. I was just trying to do a simple spreadsheet for myself and the missus - along the lines of here's our income whilst we're both above the ground and here's what happens if (perhaps even when!) one of us goes. My wife has zero interest in the minutiae.
I was also contracted out of SERPS for a few years. My understanding is that you lose out on State Pension benefits for those years, on the assumption that your occupational pension will make up for it (which may or may not be the case). You may have enough non contracted-out years so this may make no or little difference. Your State Pension Forecast will state what you are missing out (on the back of the page - called the COPE amount).Also, it may not have affected you, so possibly not on your radar but I was contracted out of SERPS via an occupational pension scheme in the 1990s. Do you know how this affects the state pension calculation (late last night, I looked at the Which explanation referred to earlier in the thread, and also wasn't convinced - admittedly, I was a bit foggy at the time so perhaps I had mis-read it).