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Worked in the UK? Entitled to a UK State Pension?

Categories: Accounting & Tax
7 February 2019

Did you know that you can increase and maximise your current entitlement to a UK State pension by making additional voluntary National Insurance contributions, even if you are not a UK national?

Due to recent legislation changes, if you have less than 10 complete UK Tax years of National Insurance contributions, then you will NOT be eligible to claim the UK State pension.

However, if you have lived in the UK for 3 or more years consecutively and have a minimum of 3 complete UK tax years of National Insurance contributions on your record then you will be eligible to pay Voluntary contributions from abroad.

Providing you increase your entitlement to a minimum of 10 years of National Insurance Contributions you will be eligible to receive the UK State Pension, which is payable from the UK Government, once you reach UK retirement age, even if you are no longer living in the UK.

The UK State Pension is a credit-based system, unlike the Australian Age Pension which is a means tested benefit provided by Centrelink.  The amount of UK pension you will receive depends on the number of National Insurance years you have been credited with.

If you have 35 years of National Insurance contributions, then then you will be entitled to the full UK basic State pension which at present is £164.35 per week (please note that you may receive less than the amount quoted above if you were contracted out of the additional State Pension at any time).


Enhance Your UK State Pension

If you meet certain criteria, we can assist you with topping up and maximising your UK State Pension entitlement by paying additional voluntary NI Contributions from abroad at the lower Class 2 rates.

You will have the option to purchase up to twelve years of previous contributions as a lump sum and then top-up each year going forwards whilst you remain in Australia until you have the maximum entitlement, or reach State Pension Age, whichever is sooner.

If you do not meet the criteria to pay the lower Class 2 rates, then you can still top up by paying Class 3 contributions. Our fee for assisting you with process of maximising your current entitlement is Individual Top Up $550 each, top up service for a couple $950.

If you require any further information, then please do not hesitate to call 0447 086 946 or email

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