Friday, October 2, 2015

An Upgrade for British State Pensioners.

Important News for British State Pensioners.

Pensioners who were born before 6 April 1951 (6 April 1953 for women) now have a limited period in which to boost their entitlement to their current state pension.  They will be able to buy extra entitlements to their state pension of up to £1300 a year, for life. This will be achieved by making a lump sum payment in the form of voluntary class 3A NIC, between 12 October 2015 and 5 April 2017.

The exact amount that needs to be paid to receive each extra £1 per week of pension depends on the individual’s age at the time they make the payment. There is a table on page 5 of the state pension top-up factsheet, and an online calculator on to help with this calculation.

The ability to top-up the state pension may be particularly useful for women who have taken breaks from employment during their working lives, and for the self-employed with similarly patchy NIC records. Married couples will need to decide which person should make the top-up payment, as an income will be paid to a surviving spouse (or civil partner) of at least 50% of the topped-up amount.

Note the paragraph about customers (they mean pensioners) living overseas on page 3 of the factsheet.
State pension top-up factsheet

State pension top-up calculator for class 3A contributions

The first condition for the top-up is that the pensioner must already be in receipt of a UK state retirement pension.
  To register an interest:
email: or
tel: 0345 6004270

It will be important to register an interest as there will be no doubt an online system to make the payment that may require a person to prove identity. That might be more tricky for someone who lives outside of the
[Example - A male at the age of 83 could pay £11,350. IF he lives 15 years he would receive back a total of  £19,500 plus inflation increases on top. 
If his wife lives on, she would continue to receive at least 50% of the sum. The lump sum payable goes down as one ages and is also related to one's sex.]

Brian Cave

le Fourquet, Gourdon, 46300, France
-Votes for Britons  -     

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