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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

AIBU to not know about state pension?

162 replies

1FineDane · 05/09/2019 19:09

Say you moved to the UK aged 50 and you hit retirement age. Are you then entitled to full state pension or is it proportional to what you've paid into the pot/pro rata per year spent paying in?

OP posts:
NoSquirrels · 06/09/2019 13:36

I asked a question and got a slew of RUDE comments telling me to just fucking google it.

You didn't, though. Read your thread again. You got a load of comments with links and help - and then you asked a question that if you'd read the links/comments you wouldn't have needed to ask. So you came across badly, and then the RUDE comments (as you see it) started...

HugoSpritz · 06/09/2019 13:37

This reply has been deleted

Message withdrawn at poster's request.

NoSquirrels · 06/09/2019 13:39

You see, if you say things like, "Ok, well apparently from that latest link" and it's the same link I posted you yesterday ... well, can you not see how it comes across?

Anyway, glad you're reassured.

Original poster
1FineDane · 06/09/2019 13:41

I clicked on one link which was a link to a generic bit of information about pensions. That didn't answer my specific question. People posted other similar links but I didn't bother clicking on them as I presumed they were the same link. A lot of people said 'go to the government website'. Eh which website would that be now?

OP posts:
Original poster
1FineDane · 06/09/2019 13:44

Anyway, I'm not going to engage in any more stupid arguments which are ENTIRELY off-topic.

OP posts:
NoSquirrels · 06/09/2019 13:45

OK, whatever. You do need to read through the sections to find the info you're looking for. I didn't realise you needed it copied and pasted.

And I suppose a lot of people thought it would be obvious that the "government website" would be, you know, the one where the web address is gov.uk (which you had links for) and the one that, if you Google "government website" comes up first in the listings...

BarbaraofSeville · 06/09/2019 13:45

The UK government has published all it's information on one single website for years now, gov.uk, but even if you google 'the government website' it comes up as the first link, so it's not like it's hard to find by googling even if you've only just arrived in the UK.

BarbaraofSeville · 06/09/2019 13:46

Cross posted with Squirrels

BarrenFieldofFucks · 06/09/2019 13:46

Well, to be fair, type UK government website into Google et voila.

Original poster
1FineDane · 06/09/2019 13:48

Have you got that all off your chests now? Had the last word? Feeling better now? Good. Glad to hear it. Now, if anyone wants to discuss PENSIONS, then let's be having ya.

OP posts:
AccioCats · 06/09/2019 13:51

Oh dear I think you’re going to be up shit creek OP trying to pay rent and live on that monthly income.

But you can’t say you weren’t warned!

Original poster
1FineDane · 06/09/2019 13:59

It's not much to look forward to really, is it? Oh well, hopefully I'll be fit to work again soon and can build up some more private contributions. Have a few years private and quite a few years in another country, so would have that as well I suppose.
More pressure to try to get well enough to work!! Gah!

OP posts:
MidCenturyVintageWoman · 06/09/2019 14:00

Ok, well apparently from that latest link, if I contribute until aged 68, I'll then receive £141.14 a week. Well as you are not contributing now, are you planning on getting a job and paying NI for the next 20 years?

Original poster
1FineDane · 06/09/2019 14:01

It's one of the downsides of permanently renting. It never ends, there's no end to it like paying off a mortgage, plus it's probably the equivalent to rent anyway. So someone with a mortgage paid off by pension age has no housing costs, plus they're sitting on an asset. Whereas average Joe who has had to rent all his life is kinda screwed. On the double.

OP posts:
Original poster
1FineDane · 06/09/2019 14:02

are you planning on getting a job
Not until I am fit to work, no.

OP posts:
AccioCats · 06/09/2019 14:08

OP wouldn’t be able to get or service a mortgage anyway so irrelevant

BarrenFieldofFucks · 06/09/2019 14:10

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

igivein · 06/09/2019 14:17

I think the ‘contracted out of SERPS’ thing is a huge con - the idea was that you would receive the basic state pension, which is all there is now. Having being contracted out shouldn’t impact on your receiving the basic state pension.
Also, what about the years when I was paying SERPS? There’s no second pension anymore, but those payments seem to have disappeared in a puff of smoke!
Bitter? Me? Angry

Lightsabre · 06/09/2019 14:26

You will get housing benefit to pay your rent when you're over pension age.

Original poster
1FineDane · 06/09/2019 14:54

Glad to see BarrenFieldofFucks lovely racist comment has been deleted.

My 'home country' has a reciprocal arrangement with the UK so I'm not taking anything that a UK person can't receive there (and our benefits are generally more generous). E.g. typical full pension currently is €240/week - more or less.

Your thinly veiled 'fuck off back to your home country' was duly noted and felt however. Angry

OP posts:
Original poster
1FineDane · 06/09/2019 15:01

Also, perhaps unlike the UK, Ireland (my 'home country') has a non-contributory, means-tested pension (you just need to be habitually resident in Ireland to qualify).

That gives you €237 per week at full rate.

OP posts:
Original poster
1FineDane · 06/09/2019 15:07

So, a UK citizen who moves to Ireland at 50 years of age and retires at 66 (I think that's our current retirement age), can expect to receive 212.526 GBP per week from the Irish government on retirement. Even if they never paid PRSI in their life in Ireland.

So I strongly resented the previous (now deleted) comment. It was ignorant in the extreme.

And many many English folk do retire to Ireland!

OP posts:
Original poster
1FineDane · 06/09/2019 15:13

Also if anyone is considering retiring to Ireland, you'll get a free travel pass and a full medical card, so healthcare is free - like the NHS. Not a bad deal really!
Not sure how it's going to work post-Brexit, but that arrangement has been in place since some time in the 1940's.

OP posts:
Original poster
1FineDane · 06/09/2019 15:14

That said, the weather is shite and the transport links are abysmal so you'll need a car.... Grin

OP posts:
BarbaraofSeville · 06/09/2019 15:16

So does that mean that you won't receive any Irish pension if you're resident in the UK at your retirement age because their rules mean that you have to be 'habitually resident in Ireland' on your retirement date to qualify?

Seems like an unfortunate way to miss out both ways, although if a British person retires to Ireland and they do take their UK pension with them, they'd be quite comfortable.