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State Pension in social security agreement countries

social security agreement countries all have slightly different arrangements for the payment of State Pension.

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State Pension in Barbados

How pension from one country is paid if you live in the other

Since 1 April 1992, UK State Pension is payable in Barbados at the same rate as if you were living in the UK. Before that date, the pension will have to be paid: either

In the same way, you will get the same rate of Barbadian pension in the UK as you would if you were in Barbados.

Insured in both the UK and Barbados

If you have enough insurance under each country's scheme to satisfy the contribution conditions and qualify for a pension, you can get a pension from each country.

If you do not have enough insurance for a UK State Pension, the agreement allows the UK to treat Barbadian insurance as UK insurance. This may give you entitlement to a UK State Pension.

How much you get when we use your Barbadian insurance will depend on the length of the insurance periods in each country's scheme.

UK State Pension calculation

First, we will work out how much UK State Pension you would get if all your insurance had been paid in the UK. If all your insurance would be enough for at least some UK State Pension, we work out how much of that comes from UK insurance.

If you had paid five years' UK insurance and 10 years' Barbadian insurance, we would work out how much UK State Pension you would have got if you had been paying UK insurance for 15 years. But because you have only actually been paying UK insurance for five years, we would pay you one-third (five-fifteenths) of that UK State Pension. This is only a general description of how a pension is calculated in these circumstances. Other special rules may apply. To find out more, contact The Pension Service (Directgov)

Even if we use your UK and Barbadian insurance, you still may not have paid enough contributions for a UK State Pension. In this case you will not get a UK State Pension.

The Barbados authorities will combine your UK insurance with your Barbadian insurance in the same way if you do not qualify for a Barbadian pension.

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State Pension in Bermuda

How pension from one country is paid if you live in the other

Provided you are ordinarily resident in Bermuda, UK State Pension is payable in Bermuda at the same rate as if you were living in the UK. In the same way, you will get the same rate of Bermudan pension in the UK as you would if you were in Bermuda, provided you are ordinarily resident in the UK.

Insured in both the UK and Bermuda

If you have enough insurance under each country's scheme to satisfy the contribution conditions and qualify for a pension, you can get a pension from each country.

If you do not have enough insurance for a UK State Pension, the agreement allows the UK to treat Bermudan insurance as UK insurance. This may give you entitlement to a UK State Pension.

How much you get when we use your Bermudan insurance will depend on the length of the insurance periods in each country's scheme.

UK State Pension calculation

First, we will work out how much UK State Pension you would get if all your insurance had been paid in the UK. If all your insurance would be enough for at least some UK State Pension, we work out how much of that comes from UK insurance.

If you had paid five years' UK insurance and 10 years' Bermudan insurance, we would work out how much UK State Pension you would have got if you had been paying UK insurance for 15 years. But because you have only actually been paying UK insurance for five years, we would pay you one-third (five-fifteenths) of that UK State Pension. This is only a general description of how a pension is calculated in these circumstances. Other special rules may apply. To find out more, contact The Pension Service (Directgov)

Even if we use your UK and Bermudan insurance, you still may not have paid enough contributions for a UK State Pension. In this case you will not get a UK State Pension.

Note: The Bermudan authorities do not calculate or pay pro-rata pensions. Instead, and in certain circumstances, you may qualify for a Contributory Old Age Gratuity rather than a pension. You must contact the authorities in Bermuda for a full explanation of your Bermudan benefit rights. See Addresses for enquiries about contributions and benefits.

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State Pension in Canada

UK State Pension is payable in Canada, but you will not get annual increases in benefit once you have ceased to be ordinarily resident in the UK. This means that your benefit will stay at the same rate as when you left the UK, or when you first qualified for the benefit if you were already living in Canada at the time.

Effect of the agreement on entitlement to UK State Pension for people in the UK who have lived in Canada

Periods when you lived in Canada may, in some circumstances, be taken into account when deciding your entitlement to UK State Pension. This will be the case if you satisfy the following three conditions:

If you were resident abroad at any time during this 10-year period, you must also have lived in the UK during an extra period, which must be at least three times as long as the time during which you were resident abroad. This extra period must have begun after your 18th birthday and also before the beginning of the 10-year period prior to your claim. You must also have lived in the UK throughout the year immediately before you make your claim to pension.

If you do not satisfy this test of residence when you are 65, you may be able to do so later, once you have lived in the UK for the required period of time.

When these three conditions are satisfied, you are treated as if you had paid UK contributions for periods of residence in Canada between the age of 16 and pension age.

This will help you to satisfy the contribution conditions for UK State Pension, or to get a higher rate of UK State Pension.

If you do not satisfy the three conditions when you first claim UK State Pension, you can make another claim when you think they are satisfied.

If you are a widow or divorced woman claiming a pension on your own insurance, but want to have your husband's contributions taken into account, and you satisfy either of the residence conditions set out above, you are treated as if you or your husband (as the case may be) had paid UK contributions for periods of residence in Canada.

If you are a woman who has lived in Canada, and your UK State Pension was awarded before the age of 65, you should make another claim when you reach the age of 65.

Evidence of residence in Canada

You should note that, if you want Canadian residence to be taken into account when claiming UK State Pension, evidence may be needed. This can include:

and should show the periods of residence in Canada. Or, a letter from each of two friends in Canada who can confirm your periods of residence will be satisfactory.

You should keep the evidence until a claim for UK benefit is made.

Any pension, or increased amount of pension, awarded under the agreement will no longer be payable if you cease to be ordinarily resident in the UK, but can sometimes be paid for periods of temporary absence abroad.

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State Pension in Israel

How pension from one country is paid if you live in the other

UK State Pension is payable in Israel at the same rate as if you were living in the UK. Please see Definitions for the note about Israeli territory. In the same way, you will get the same rate of Israeli pension in the UK as you would if you were in Israel.

Insured in both the UK and Israel

If you have enough insurance under each country's scheme to satisfy the contribution conditions and qualify for a pension, you can get a pension from each country.

If you do not have enough insurance for a UK State Pension, the agreement allows the UK to treat Israeli insurance as UK insurance. This may give you entitlement to a UK State Pension.

How much you get when we use your Israeli insurance will depend on the length of the insurance periods in each country's scheme.

UK State Pension calculation

First, we will work out how much UK State Pension you would get if all your insurance had been paid in the UK. If all your insurance would be enough for at least some UK State Pension, we work out how much of that comes from UK insurance.

If you had paid five years' UK insurance and 10 years' Israeli insurance, we would work out how much UK State Pension you would have got if you had been paying UK insurance for 15 years. But because you have only actually been paying UK insurance for five years, we would pay you one-third (five-fifteenths) of that UK State Pension. This is only a general description of how a pension is calculated in these circumstances. Other special rules may apply. To find out more, contact The Pension Service (Directgov)

Even if we use your UK and Israeli insurance, you still may not have paid enough contributions for a UK State Pension. In this case you will not get a UK State Pension.

The Israeli authorities will combine your UK insurance from 1 April 1954 with your Israeli insurance in the same way if you do not qualify for an Israeli pension. But you must have been resident in Israel or the UK immediately before becoming entitled to an Israeli pension and there are other conditions to be satisfied under the Israeli scheme. You should contact the Israeli authorities for more information. See Addresses for enquiries about contributions and benefits.

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State Pension in Jamaica

How pension from one country is paid if you live in the other

Since October 1972, UK State pensioners living in Jamaica have been getting the same rates as pensioners living in the UK. The agreement continues this, but it does not provide for payment of increases before October 1972.

If you live in the UK and you get a Jamaican pension, or start to get a Jamaican pension, you will get the same rate of Jamaican pension as you would if you were in Jamaica.

Insured in both the UK and Jamaica

If you have enough insurance under each country's scheme to satisfy the contribution conditions and qualify for a pension, you can get a pension from each country.

If you do not have enough insurance for a UK State Pension, the agreement allows the UK to treat Jamaican insurance as UK insurance. This may give you entitlement to a UK State Pension.

How much you get when we use your Jamaican insurance will depend on the length of the insurance periods in each country's scheme. It will be worked out as follows:

UK State Pension calculation

First, we will work out how much UK State Pension you would get if all your insurance had been paid in the UK. If all your insurance would be enough for at least some UK State Pension, we work out how much of that comes from UK insurance.

If you had paid five years' UK insurance and 10 years' Jamaican insurance, we would work out how much UK State Pension you would have got if you had been paying UK insurance for 15 years. But because you have only actually been paying UK insurance for five years, we would pay you one-third (five-fifteenths) of that UK State Pension. This is only a general description of how a pension is calculated in these circumstances. Other special rules may apply. To find out more, contact The Pension Service (Directgov).

Even if we use your UK and Jamaican insurance, you still may not have paid enough contributions for a UK State Pension. In this case you will not get a UK State Pension.

The Jamaican authorities will combine your UK insurance with your Jamaican insurance in the same way if you do not qualify for a Jamaican pension.

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State Pension in Jersey and Guernsey

How pension from one country is paid if you live in the other

UK State Pension is payable in Jersey or Guernsey at the same rate as if you were living in the UK.

In the same way, you will get the same rate of Jersey or Guernsey pension in the UK as you would if you were in Jersey or Guernsey.

Insured in both the UK and Jersey or Guernsey

If you have enough insurance under each country's scheme to satisfy the contribution conditions and qualify for a pension, you can get a pension from each country.

If you do not have enough insurance for a UK State Pension, the agreement allows the UK to treat Jersey or Guernsey insurance as UK insurance. This may give you entitlement to a UK State Pension.

How much you get when we use your Jersey or Guernsey insurance will depend on the length of the insurance periods in each country's scheme.

UK State Pension calculation

First, we will work out how much UK State Pension you would get if all your insurance had been paid in the UK. If all your insurance would be enough for at least some UK State Pension, we work out how much of that comes from UK insurance.

If you had paid five years' UK insurance and 10 years' Jersey or Guernsey insurance, we would work out how much UK State Pension you would have got if you had been paying UK insurance for 15 years. But because you have only actually been paying UK insurance for five years, we would pay you one-third (five-fifteenths) of that UK State Pension. This is only a general description of how a pension is calculated in these circumstances. Other special rules may apply. To find out more, contact The Pension Service (Directgov).

Even if we use your UK and Jersey or Guernsey insurance, you still may not have paid enough contributions for a UK State Pension. In this case you will not get a UK State Pension.

The Jersey or Guernsey authorities will combine UK insurance with your Jersey or Guernsey insurance in the same way if you do not qualify for a Jersey or Guernsey pension.

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State Pension in Mauritius

How pension from one country is paid if you live in the other

UK State Pension is payable in Mauritius at the same rate as if you were living in the UK.

In the same way, you will get the same rate of Mauritian pension in the UK as you would if you were in Mauritius.

Insured in both the UK and Mauritius

If you have enough insurance under each country's scheme to satisfy the contribution conditions and qualify for a pension, you can get a pension from each country.

If you do not have enough insurance for UK State Pension, the agreement allows the UK to treat Mauritian insurance as UK insurance. This may give you entitlement to a UK State Pension.

How much you get when we use your Mauritian insurance will depend on the length of the insurance periods in each country's scheme.

UK State Pension calculation

First, we will work out how much UK State Pension you would get if all your insurance had been paid in the UK. If all your insurance would be enough for at least some UK State Pension, we work out how much of that comes from UK insurance.

If you had paid five years' UK insurance and 10 years' Mauritian insurance, we would work out how much UK State Pension you would have got if you had been paying UK insurance for 15 years. But because you have only actually been paying UK insurance for five years, we would pay you one-third (five-fifteenths) of that UK State Pension. This is only a general description of how a pension is calculated in these circumstances. Other special rules may apply. To find out more, contact The Pension Service (Directgov).

Even if we use your UK and Mauritian insurance, you still may not have paid enough contributions for a UK State Pension. In this case you will not get a UK State Pension.

The Mauritian authorities will combine your UK insurance with your Mauritian insurance in the same way if you do not qualify for a Mauritian pension.

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State Pension in New Zealand

UK State Pension is payable in New Zealand, but you will not get annual increases in benefit once you have ceased to be ordinarily resident in the UK. This means that your benefit will stay at the same rate as when you left the UK, or when you first qualified for the benefit if you were already living in New Zealand at the time.

How UK State Pension can be increased while you are in the UK

If you are living in the UK, any time you (or your husband if you are relying on his contributions) lived in New Zealand before reaching pension age, will be treated as a period for which UK contributions were paid for UK basic State Pension. This can include:

The above will also apply if you are a woman whose marriage has ended by death or divorce and you wish to have your husband's National Insurance record taken into account for the period of the marriage.

You should note that evidence of residence in New Zealand might be required to help you qualify under the provisions above. Residence could be confirmed by tax certificates, employers references, wage slips, travel documents etc. that clearly show the period of residence in New Zealand. Alternatively, a letter from two people, who can be friends or relatives, who can confirm periods of residence in New Zealand, will be acceptable. Evidence of residence in New Zealand should be kept until a claim for benefit is made in the UK.

If the residence provisions do not allow you to get a standard rate of UK State Pension, you will be entitled to receive the standard rate provided you were getting New Zealand Superannuation when you were last in New Zealand, if it was awarded solely under the New Zealand scheme and you are over UK pension age.

If you cease to be resident in the UK, any pension awarded under the agreement will no longer be payable. But benefit can sometimes be paid for periods of temporary absence from the UK.

Effect of the agreement on entitlement to New Zealand Superannuation

The agreement may help you to qualify for New Zealand Superannuation when you have reached pension age in New Zealand by allowing you to treat your residence in the UK as residence in New Zealand.

If you qualify for New Zealand benefit, the amount of your UK State Pension (including any additions payable with the pension) will be deducted from the New Zealand benefit which would otherwise be payable to you.

However, no deductions will be made by the New Zealand authorities in the case of a person who qualifies for New Zealand Superannuation solely under New Zealand legislation, and who was permanently resident in New Zealand on 1 January 1970 and had paid UK contributions while so permanently resident.

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State Pension in the Philippines

How pension from one country is paid if you live in the other

UK State Pension is payable in the Philippines at the same rate as if you were living in the UK.

In the same way, you will get the same rate of Philippine pension in the UK as you would if you were in the Philippines.

Insured in both the UK and the Philippines

If you have enough insurance under each country's scheme to satisfy the contribution conditions and qualify for a pension, you can get a pension from each country.

If you do not have enough insurance for a UK State Pension, the agreement allows the UK to treat Philippine insurance as UK insurance. This may give you entitlement to a UK State Pension.

How much you get when we use your Philippine insurance will depend on the length of the insurance periods in each country's scheme.

UK State Pension calculation

First we will work out how much UK State Pension you would get if all your insurance had been paid in the UK. If all your insurance would be enough for at least some UK State Pension, we work out how much of that comes from UK insurance.

If you had paid five years' UK insurance and 10 years' Philippine insurance, we would work out how much UK State Pension you would have got if you had been paying UK insurance for 15 years. But because you have only actually been paying UK insurance for five years, we would pay you one-third (five-fifteenths) of that UK State Pension. This is only a general description of how a pension is calculated in these circumstances. Other special rules may apply. To find out more, contact The Pension Service (Directgov).

Even if we use your UK and Philippine insurance, you still may not have paid enough contributions for a UK State Pension. In this case you will not get a UK State Pension.

The Philippine authorities will combine UK insurance with your Philippine insurance in the same way if you do not qualify for a Philippine pension.

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State Pension in the Republics of the former Yugoslavia

How pension from one country is paid if you live in the other

UK State Pension is payable in the Republic at the same rate as if you were living in the UK.

In the same way, you will get the same rate of pension from the Republic in the UK as you would if you were in the Republic.

Insured in both the UK and the Republic

If you have at different times been insured for State Pension under the legislation of the UK, and Old Age Pension under the legislation of the Republic, your pension entitlement will be calculated in the following way:

Each country will consider whether or not you have entitlement to a pension separately from the agreement and, where appropriate, will calculate the rate payable. A pension calculated in this way is called a 'separate' pension.

Each country will also calculate your entitlement to a pension under the provisions of the agreement by taking into account insurance paid under both countries' schemes. The rates of pension payable in these circumstances will depend upon the extent to which you were insured under each country's scheme. A pension calculated in this way is called a 'pro rata' pension.

When using this process, each country will calculate the rate of pension which would have been earned if all the insurance had been paid under its own scheme. Each country will then calculate the proportion of that rate earned by its own insurance. That is the rate of pension payable by that country. For example:

If you had paid five years' UK insurance and 10 years' insurance in the Republic, we would work out how much UK State Pension you would have got if you had been paying UK insurance for 15 years. But because you have only actually been paying UK insurance for five years, we would pay you one-third (five-fifteenths) of that UK State Pension. This is only a general description of how a pension is calculated in these circumstances. Other special rules may apply. To find out more, contact The Pension Service (Directgov).

You will then be asked to choose whether you wish to receive a 'separate' pension or a 'pro rata' pension from either or both countries. You cannot, however, choose to receive a 'separate' pension from one country and a 'pro rata' pension from the other.

You can, in certain circumstances, change your choice at a later date if it is in your interests to do so, but only if your initial choice was to receive a 'separate' pension from either or both countries.

Even if we use your UK insurance and your insurance in the Republic, you still may not have paid enough contributions for a UK State Pension. In this case you will not get a UK State Pension.

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State Pension in Turkey

How pension from one country is paid if you live in the other

UK State Pension is payable in Turkey at the same rate as if you were living in the UK.

In the same way, you will get the same rate of Turkish pension in the UK as you would if you were in Turkey.

Insured in both the UK and Turkey

If you (or your husband if you are relying on his insurance record) have at different times been insured for a pension under both the UK and Turkish schemes, your pension entitlement will be calculated in the following way:

Each country will consider whether or not you have entitlement to a pension separately from the agreement and, where appropriate, will calculate the rate payable. A pension calculated in this way is called a 'separate' pension.

Each country will also calculate your entitlement to a pension under the provisions of the agreement by taking into account insurance paid under both countries, schemes. The rates of pension payable in these circumstances will depend upon the extent to which you were insured under each country's scheme. A pension calculated in this way is called a 'pro rata' pension.

When using this process, each country will calculate the rate of pension which would have been earned if all the insurance had been paid under its own scheme. Each country will then calculate the proportion of that rate earned by its own insurance. That is the rate of pension payable by that country. For example:

If you had paid five years' UK insurance and 10 years' insurance in Turkey, we would work out how much UK State Pension you would have got if you had been paying UK insurance for 15 years. But because you have only actually been paying UK insurance for five years, we would pay you one-third (five-fifteenths) of that UK State Pension. This is only a general description of how a pension is calculated in these circumstances. Other special rules may apply. To find out more, contact The Pension Service (Directgov).

You will then be asked to choose whether you wish to receive a 'separate' pension or a 'pro rata' pension from either or both countries. You cannot, however, choose to receive a 'separate' pension from one country and a 'pro rata' pension from the other.

You can, in certain circumstances, change your choice at a later date if it is in your interests to do so, but only if your initial choice was to receive a 'separate' pension from either or both countries. Even if we use your UK insurance and your insurance in Turkey, you still may not have paid enough contributions for a UK State Pension. In this case you will not get a UK State Pension.

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State Pension in the USA

How pension from one country paid if you live in the other

If you are ordinarily resident in the USA, UK State Pension is payable at the same rate as if you were living in the UK. If, however, you live in a country where your UK State Pension is paid at a frozen rate, your pension will not increase during a temporary visit to the USA.

If you are resident in the UK, you will get the same rate of US pension as you would if you were in the USA.

Insured in both the UK and the USA

If you have enough insurance under each country's scheme to satisfy the contribution conditions and qualify for a pension, you can get a pension from each country.

If you do not have enough insurance for a UK State Pension, the agreement allows the UK to treat US insurance as UK insurance. This may give you entitlement to a UK State Pension.

How much you get when we use your US insurance will depend on the length of the insurance periods in each country's scheme.

UK State Pension calculation

First, we will work out how much UK State Pension you would get if all your insurance had been paid in the UK. If all your insurance would be enough for at least some UK State Pension, we work out how much of that comes from UK insurance.

If you had paid five years' UK insurance and 10 years' US insurance, we would work out how much UK State Pension you would have got if you had been paying UK insurance for 15 years. But because you have only actually been paying UK insurance for five years, we would pay you one-third (five-fifteenths) of that UK State Pension. This is only a general description of how a pension is calculated in these circumstances. Other special rules may apply. To find out more, contact The Pension Service (Directgov).

Even if we use your UK and US insurance, you still may not have paid enough contributions for a UK State Pension. In this case you will not get a UK State Pension.

The US authorities will combine your UK insurance with your US insurance in the same way, if you do not qualify for a US pension, provided you have completed at least six quarters of insurance coverage the USA.

Windfall Elimination Provisions

If you are entitled to a UK State Pension based on work after 1956, the amount of your US Retirement or Disability Benefit may be reduced in certain circumstances because of provisions in US law (Windfall Elimination Provisions).

You should contact the Social Security Administration for more information.

Entitlement to UK widows' benefits and bereavement benefits, however, will not cause a reduction in your US benefit. If you are a woman in receipt of UK Widow's Benefit, it may be better to continue getting that benefit until age 65 rather than claim UK State Pension.