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    1. #1

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      May 2017
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      phillsimpson is on a distinguished road

      Figuring out whether I have a UK Pention

      I've recently started to think about Pension planning and hoping for some pointers on where to get started - I'm about to turn 40 so perhaps it's a little mid-life panic :)

      I'm not really sure where to start, or what kind of specialist advice I would need - so hoping someone on this forum may have a similar situation and can give me some pointers.

      Here's the basics:
      - UK Citizen, born in the UK and have maintained my UK Passport. I've never taken any other passports but may apply for a US one at some point.
      - Lived in the UK until I was about 18, but spent the summers/christmas working in the UK for until I was 21 or so and in Uni in the USA.
      - I worked/contributed to UK NI for 3+ months for the 3 years until I was 21 for IBM, basically 3 months of full time employment each year.
      - I've lived/worked in the US almost the entire rest of the time and hold a US Greencard.
      - For the past 3 years I've lived/worked in Australia and paid taxes on everything.

      Really my questions:
      - I don't imagine I qualify for a UK Pension, but wanted to consider some options:
      -- I'm considering moving back to the UK and wonder whether (since I have less than 35 years of work life left) I would ever be able to qualify for a full UK state pension.
      -- Whether any of my contributions into US Social Security or the Aussie count toward the Basic Pension or the State Pension.
      - If I don't move back to the UK is there anything I can do to qualify for a UK pension (voluntary payments etc..) and whether that is even worth it at a high level.

      Thanks in advance for any pointers!

    2. Moneycorp - Commercial foreign exchange since 1979
    3. #2

      Title
      Junior Member
      Join Date
      Feb 2012
      Location
      Madeira Portugal
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      Lincslass is on a distinguished road
      Quote Originally Posted by phillsimpson View Post
      I've recently started to think about Pension planning and hoping for some pointers on where to get started - I'm about to turn 40 so perhaps it's a little mid-life panic :)

      I'm not really sure where to start, or what kind of specialist advice I would need - so hoping someone on this forum may have a similar situation and can give me some pointers.

      Here's the basics:
      - UK Citizen, born in the UK and have maintained my UK Passport. I've never taken any other passports but may apply for a US one at some point.
      - Lived in the UK until I was about 18, but spent the summers/christmas working in the UK for until I was 21 or so and in Uni in the USA.
      - I worked/contributed to UK NI for 3+ months for the 3 years until I was 21 for IBM, basically 3 months of full time employment each year.
      - I've lived/worked in the US almost the entire rest of the time and hold a US Greencard.
      - For the past 3 years I've lived/worked in Australia and paid taxes on everything.

      Really my questions:
      - I don't imagine I qualify for a UK Pension, but wanted to consider some options:
      -- I'm considering moving back to the UK and wonder whether (since I have less than 35 years of work life left) I would ever be able to qualify for a full UK state pension.
      -- Whether any of my contributions into US Social Security or the Aussie count toward the Basic Pension or the State Pension.
      - If I don't move back to the UK is there anything I can do to qualify for a UK pension (voluntary payments etc..) and whether that is even worth it at a high level.

      Thanks in advance for any pointers!
      You can get in touch with the pension service https://www.gov.uk/state-pension/overview