AIBU to not know about state pension?

[1FineDane]

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?

No, I should also receive my Irish pension. The means tested one would take into account any income from a UK pension a UK citizen was receiving. The contributory one they'd have had to have paid into and that's in increments of ten years or so.

These are the rates for the contributory one

www.citizensinformation.ie/en/social_welfare/social_welfare_payments/older_and_retired_people/state_pension_contributory.html#l62fd2

I couldn't copy the table, but the link should bring you to the table.

I very much doubt you'll get much of a pension rocking up to the UK at 50. I'm in Ireland and have another 22 years to put in to get my Civil Service pension, which I don't judge to be that generous. I am 40. Also, in light of Brexit, I think it's pretty naive to put your faith in government payments. Leo Varadkar said there will be no return to austerity in Ireland but I don't believe that if there's a no deal Brexit. I also don't believe the common area will exist for many more years. I wouldn't be laid back about things if I were you.

Barbara of Seville not necessarily. Things are fairly expensive in Ireland.

Obviously I've contributed to the 'contributory pension' which is not means tested and I'll receive no matter whether I'm in Timbuktu.

They can't really change the terms of the contributory pension. They tried to take the bus passes from the pensioners a while ago and the country went haywire so they reversed that decision fairly lively.

😂 at that being racist. You seemed to be concerned that you didn't have enough time here to get a comfortable pension. You didn't move long ago on the grand scheme of things, so my (perfectly reasonable question) was whether you would have more pension where you moved from?

No Barren. Your post was a goady 'go back to your home country' post 'and don't be taking our benefits'.
I think I've demonstrated nicely how the reciprocal arrangement works honey.

I'm an expert on my own country's system. I was asking about here.
Try to keep on topic and keep your bigotry out of it.

you need to pay National insurance contributions for at least 10 years otherwise you won't be able to receive a state pension.

Once you pay NI contributions, you get currently iirc £4.82/week station pension for every full qualifying year. So if you were to come to the UK aged 50 and take up work and work right up to 68, then you weekly pension would be just over £86. It's low, I know The UK state pension is one of the lowest in Europe. HTH

Whatever you say. In over 10 years here under various names I've never demonstrated anything even approaching racism, but clearly your really quite innocuous thread has tipped me over the edge. 🤷

If you're so innocuous yourself, why bring my 'home country' into a discussion about the UK pension system? Oh, I know.....

Have the state pension system rules changed? My grandmother, who never paid anything in (worked hard though raising umpteen children as was the norm in her day before anyone gets frothy) currently receives £170 per week I think. And has a house provided by the council. She doesn't know what to do with it all.

1finedane.
Barrens post was ambiguous, as words on a screen can't convey tone. It's perfectly possible she was genuinely suggesting a point for you to consider. You have decided yourself the tone, but that possibly simply means you have a chip on your shoulder, as you jumped to the negative.

If you’re claiming UC you should be automatically getting Class 3 NI Credits which count towards SP entitlement as far as I’m aware.

@arethereanyleftatall I think in the past (not sure about now) married women got the pension if their husband worked - perhaps this was linked to getting child benefit? I’m not sure. Both my grandmothers are now in their late 80s and have been claiming state pension for almost 30 years despite only having worked a couple of years between finishing school and getting married, then raising children.

arethere... If your Grandmother was married, part of her pension will be based on her husband's NI contributions during the years when she was caring for young children.

arethereanyleftatall your granny may well be getting a Pension Credit top up which would entitle her to housing benefit.

Thanks @modgepodge. I think it must have changed then.

Because your post mentioned very clearly that you hadn't been here long. It was a key tenet of your question. At that point you hadn't explained where you had moved from, or the reciprocal arrangements with said country. As such, it seemed a perfectly reasonable question to me.

So it seems there's no such thing as a non-contributory pension in the UK then?

Barren, it doesn't matter if I'm here a year or a day, my question was clearly about the UK pension system. Why you had to bring my 'home country' it, God alone knows.

🤦🤷

BTW I'm glad most peoples' Grannies are getting a pension of some sorts! I wonder will we when we're old and grey and the world has forgotten about us!

why bring my 'home country' into a discussion about the UK pension system? Oh, I know.....

Because you said you hadn’t been here long enough to contribute, you implied you were over 50 (although now you say you’re not) and because you’re ill you’re unable to work right now so I think Barren was just saying maybe you’d get a better deal in your country of origin and it would be worth looking into that if the UK state pension wasn’t looking great for you and you wouldn’t be able to make extra contributions.

That’s what I thought I knew. Didn’t read it as racist at all, merely another practical consideration.

Tone and intent on the internet can be lost in translation.

I find it hard to believe that maybe a single mother, who reared her children her entire life, gets zero pension? What the actual fuck does she live on?