would she be entitled to the survivor's pension YES* (Here I'm assuming you mean that you will have an IRISH contributory pension.) See: https://www.gov.ie/en/service/apply-for-widowers-contributory-pension/#how-to-qualify
and if so, when When do you think! (After you have become an ex-parrot.)
and for how long? For the rest of her life or until she remarries/cohabits.
lol yeah I meant would she already be entitled to the survivor's pension before I start drawing my own contributory pension (and yes, I meant an Irish contributory pension, sorry that wasn't clear)
That's great then because I kind of assumed she would lose the Irish survivor's pension (or not be entitled to it) if she was drawing her own German state pension. It seems a bit of a loophole because my mother lost her widow's pension once she started receiving her own contributory pension but my wife will have the German equivalent of the Irish state pension (contributory) and yet will keep her Irish survivor's pension.
lol yeah I meant would she already be entitled to the survivor's pension before I start drawing my own contributory pension (and yes, I meant an Irish contributory pension, sorry that wasn't clear)
That's great then because I kind of assumed she would lose the Irish survivor's pension (or not be entitled to it) if she was drawing her own German state pension. It seems a bit of a loophole because my mother lost her widow's pension once she started receiving her own contributory pension but my wife will have the German equivalent of the Irish state pension (contributory) and yet will keep her Irish survivor's pension.
It's not really a loophole. Your Irish contributions pay for your spouse's survivor's pension. Her German contributions pay for her German state pension. Seems fair enough, really.lol yeah I meant would she already be entitled to the survivor's pension before I start drawing my own contributory pension (and yes, I meant an Irish contributory pension, sorry that wasn't clear)
That's great then because I kind of assumed she would lose the Irish survivor's pension (or not be entitled to it) if she was drawing her own German state pension. It seems a bit of a loophole because my mother lost her widow's pension once she started receiving her own contributory pension but my wife will have the German equivalent of the Irish state pension (contributory) and yet will keep her Irish survivor's pension.
I will add the steps to take to my morbidly titled "In the event of my death" Google doc (which I share with my wife and try to keep updated).
Pretty much every EU/EEA/CH country has a section on Ireland as we have a tendency to get around a lot ;-)I found out that the Deutsche Rentenversicherung (German pension insurance) has information in German specific to Ireland. I'll include a link to the pdf in my above Google doc.
Meine Zeit in Irland – Arbeit und Rente europaweit
Informationen zur gesetzlichen Rentenversicherung in Irland.www.deutsche-rentenversicherung.de
Is it not possible to receive the state pension from more than one country?In accordance with the EU rules you can have only one competent authority responsible for you in retirement and that is the one in the country where you enter retirement
It is but you apply only through the competent authority in the country you now live in or the country you last paid a contribution in. It's their job then to liaise with all the other competent authorities in the EU/EEA so you don't have to. The money is then paid through the local competent authority but on behalf of the others. These are EU regulations to make life easier for citizens that moved around the EU during their working lives. They have to do all the heavy lifting in calculating the best pension entitlement(s).Is it not possible to receive the state pension from more than one country?
Hi @murphaph1 and @Jim2007 . I think the information you have provided may not be correct. @Paul O Mahoney perhaps you might clarify?It is but you apply only through the competent authority in the country you now live in or the country you last paid a contribution in. It's their job then to liaise with all the other competent authorities in the EU/EEA so you don't have to. The money is then paid through the local competent authority but on behalf of the others. These are EU regulations to make life easier for citizens that moved around the EU during their working lives. They have to do all the heavy lifting in calculating the best pension entitlement(s).
I'm not part of this discussion, way beyond my capabilities.Hi @murphaph1 and @Jim2007 . I think the information you have provided may not be correct. @Paul O Mahoney perhaps you might clarify?
My understanding is that
1. You can receive state pension from more than 1 country.
2. If for example you retire in ireland but have enough UK vontributions you apply to HMRC to receive uk pension.
So I can quote from the German document linked above and give a rough (but accurate) translation:Hi @murphaph1 and @Jim2007 . I think the information you have provided may not be correct. @Paul O Mahoney perhaps you might clarify?
My understanding is that
1. You can receive state pension from more than 1 country.
2. If for example you retire in ireland but have enough UK vontributions you apply to HMRC to receive uk pension.
Translation:Wollen Sie aus Deutschland und Irland eine Rente
beziehen, müssen Sie Ihren Antrag immer nur bei
einem Träger stellen – am besten dort, wo Sie wohnen.
Wenn Sie in Deutschland wohnen, wenden Sie sich bitte
vorrangig an Ihren zuständigen deutschen Träger. Der
Antrag gilt dann automatisch auch für den irischen
Träger.
If you want to draw a pension from Germany and Ireland, you only need to make your application to one competent authority, preferably the one where you live. If you live in Germany, please contact your German pensions authority (these are regional in Germany, it's not a single agency) in the first instance. The application is then automatically valid for the Irish competent authority.
Did you qualify for all three pensions in their own right perhaps? (so not needing any contributions made in another EU member state to hit minimum amounts)I receive payments from the three countries - not one payment from Ireland
My understanding is that
1. You can receive state pension from more than 1 country.
2. If for example you retire in ireland but have enough UK vontributions you apply to HMRC to receive uk pension.
Not sure what you mean - I paid social security in all three countries when I was working so qualified for a pension under each countries rules - not a full pension from eachDid you qualify for all three pensions in their own right perhaps? (so not needing any contributions made in another EU member state to hit minimum amounts)
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