Changes to the way the state pension is calculated for Brits abroad are due to come into force in just 12 weeks time.
At the moment, those who are preparing to retire outside the UK can still get National Insurance credits while living in another country.
But new rules being introduced post- Brexit that will affect certain retirees.
The changes mean UK citizens living in Australia (before March 1 2001), Canada or New Zealand won't be able to count the time they spent abroad as a qualification period for the state pension.
These new rules are due to come into effect from January 1, 2022.
You need at least ten qualifying years on your National Insurance record to get any sort of state pension, or 35 years to get the full amount.
The government states that the change will affect you if you move to live in, or move between, an EU or EEA country or Switzerland and you have previously lived in:
- Australia, before March 1, 2001
- New Zealand
The changes will affect you if the following applies:
- You are a UK national, EU or EEA citizen or Swiss national
- You move to live in the EU, EEA or Switzerland on or after January 1, 2022, including if you move to live in another EU, EEA country or Switzerland on or after January 1, 2022
Will these state pension changes affect you? Let us know: [email protected]
"The change will affect you whether or not you have claimed your UK State Pension yet," the government explains.
"Your UK State Pension will be calculated, or recalculated if already in payment, using only your UK National Insurance record."
You are not affected by the change if you either:
- live in the UK, whatever your nationality
- are a UK national, EU or EEA citizen or Swiss national who was living it the EU, EEA or Switzerland by 31 December 2021
How much is the state pension?
The full new state pension is £179.60 per week – but again, the amount you actually gets depends on your National Insurance record.
It is normally paid every four weeks, so around once a month, to your bank account.
For men and women, the current age when you can claim your state pension is currently 66.
The state pension age is scheduled to rise to 67 between 2026 and 2028.
If you’re not sure how much you’re likely to get, and when, the Gov.uk website has a free state pension forecast tool.
The state pension is different to any workplace or private pensions you may have in place.
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