Is it Too Late to Apply?
NO…
While the April 2025 deadline to buy back up to 18 prior years has now passed, the opportunity is still very much available.
YOU CAN STILL buy up to the past 6 years and buy forward annually to potentially get the same result as before the previous deadline.
UK State Pension Projected Calculator
Potential Estimate of your weekly UK State Pension age 66-67*
NOTE: This is the estimate of the current potential value and will involve further contributions to your UK State Pension. It includes your ability to reach back 6 years to enhance your pension. This is the value if you were 66-67 today. It is index linked annually by at least 2.5% from now until you reach that age through the Triple Lock Guarantee
Please treat this calculator as illustrative as some other factors may impact your potential.
*Depending on your current age you could be assessed between your 66th and up to your 67th birthday
At UK State Pensions Abroad, we do not offer pension advice; we offer specialised information and implementation assistance on UK State Pension entitlements. For pension advice contact your financial advisor.
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Comprehensive Service to assist you with your UK State Pension Claim
The HMRC application process is quite complex. While the central form itself is just 2 pages, the guidance notes provided run to 35 pages, and there are pitfalls into which we have seen people fall when undertaking the process themselves, especially with the HMRC online application portal. We have considerable experience of almost every variation of response and endeavour to optimise the application at every step. We will review your UK and Non UK employment details provided, assess the information, discuss any issues with you if required, and make a full application to HMRC. We will send this to you for a final check and to electronically sign.
Once HMRC (UK Revenue) reply and provide a statement of your entitlements, we will provide full information on how to securely make payments to HMRC, protocols on making specific receipt requests (HMRC can occasionally appropriate lump sum payments to years you may not wish to buy) and checking that the pension forecast has changed and improved.
Should there be any issues with the application and HMRC request further information, we will provide the information, in consultation with you yourself and from our experience, assist you to provide the correct information.
We have assisted hundreds of people from around the world in achieving a favourable beneficial result from the Dept of Work and Pension and UK Revenue.
Our total fee for all of this is €550 incl Vat, payable at the outset. For context, our fee is less than 2 weeks of a full UK State Pension benefit payout.
UK State Pensions Abroad is an Independent Official Overseas Agent of His Majesties Revenue and Customs
We provide information and execution not pension advice
We are not part of the UK Government, but an Independent agency helping people enhance their UK State Pension.
What is the UK State Pension?
The UK State Pension is a contributory pension which is funded by the UK government and provides a pension amount in 2025 of up to £231.13 per week (or £12,019 pa) on reaching pension age. This amount usually rises year on year (+10.1% in 2023), and is subject to a unique Triple Lock, guaranteeing a worthwhile boost annually towards your final amount when retirement beckons.
When will the UK State Pension commence? For people currently above 60 years in 2021, the retirement age is between 66-67 years old. Generally, for those who reach 60 after 2021, the pension payments begin on their 67th birthday. (It should be noted that UK government has a plan to extend the retirement age, but this would be very gradual should it happen).
It is worth noting that the State Pension scheme was revised in 2016 with a new State Pension being introduced. the new State Pension applies to those claiming benefits in the years before then.
How do your UK State Pension Entitlements Work?
If you have worked and paid National Insurance (NI) contributions in the UK (minimum of 3 years), you have a potential entitlement to a UK State Pension. However, until you have 10 years of National Insurance contributions, you do not qualify for a pension at all. That is not bad news because you may have the ability to “buy” back up to 6 years of NI contributions and you can continue to contribute annually until you reach retirement age.
The full State pension is (at 2025 value) is £231.13 per week. To achieve this, you need 35 years contributions. While that may appear unattainable, it can be, as illustrated below.
Example 1: Age 50, worked 5 years in early 2000’s in the UK before returning to Ireland.
Number of qualifying years 8 (UK Government allow bonus years for education and training in almost all cases of 1-3 years).
Qualifying years are 10, then add 17 years contributing annually until retiring + buying back 6 years = 33 years contributions on reaching age 67. This yields £217.92 weekly on retirement (at 2025 values which are index linked for the future).
These buy back and continuing contributions are effectively “Additional Voluntary Contributions” (AVCs) to your future State Pension benefits.
These AVCs can be very good value and come in two Class types: Class 2 and Class 3. If you are fortunate to be deemed by HM Revenue and Customs (HMRC) as Class 2 (as most are who returned to Ireland and continued in employment here) they can be redeemed for approx £180 per year.
That means in the example above the 6 years in the past back to 2019 can be bought back for approx £1,011 and the annual payments (17) from 2025 until retirement will cost approx 17 x £180 = £3060. That total cost will be £4171.
Upon retirement in this example the benefit will be £217.92 per week (this is 2025 value and should be much more on retirement as it is triple lock index linked) or £11,332 per year pension.
The payback on the investment is less than 6 months!
If you don’t qualify for Class 2, then Class 3 Applies, which costs appx £820 per annum and still pays back the investment in approximately 2.5 years
Example 2: Age 45, worked 5 years in the UK 2006-11 before returning to Ireland to work.
Number of qualifying years 5 (UK Government allow bonus years for education and training in almost all cases of 1-3 years).
Qualifying years are 7, then add 22 years contributing annually until retiring + buying back 6 years =35 years contributions on reaching age 67. This yields £231.13 weekly on retirement (at 2025 values which are index linked for the future).
These buy back and continuing contributions are effectively “Additional Voluntary Contributions” (AVCs) to your future State Pension benefits.
These AVCs can be very good value and come in two Class types: Class 2 and Class 3. If you are fortunate to be deemed by HM Revenue and Customs (HMRC) as Class 2 (as most are who returned to Ireland and continued in employment here) they can be redeemed for £180 per year.
That means in the example above the 6 years in the past to 2019 can be bought back for approx £1,011 and the annual payments (22) from 2026 until retirement at 67 will cost approx 22 x £185 = £4,070. That total cost will eventually be £5,081 (future annual contributions may increase slightly in line with inflation, but then the eventual weekly pension benefits increase annually also).
At today’s values the weekly UK State Pension payment is £231.13 per week or £12,019 annually. So, the payback for your eventual £5,081 investment is less than 6 months!
Will this affect my rights to the Irish Contributory State Pension?
The Department of Social Protection have answered our specific enquiry on this topic “Your UK pension does not impact the personal rate of your Irish State pension”.
When you redeem extra years on your UK State Pension, you are making an AVC (Additional Voluntary Contribution) to your UK State Pension. Effectively, you are accessing (probably) the best value AVCs that exist. If your contributions are assessed as Class 2 by HMRC, the cost of all your contributions are paid back within 6 months on retirements, and you enjoy the benefits for your lifetime. Even if you are assessed as Class 3, the payback is just 2-3 years.
Your UK State Pension can allow you to double the value of your Irish Contributory State Pension!
Is Brexit a factor?
Happily, the agreement concluded between the UK and Irish Governments in 2019 reaffirms that existing cross-border social security arrangements, including UK State Pension, will continue post Brexit. the Under the CTA (Common Travel Area) Irish citizens have access to the UK state pension in the same way as the British so, we have the ability to boost our UK state pension rights while outside the UK (subject to approval from HM Revenue & Customs).
What is the Triple Lock Guarantee on UK State Pensions
Annual increases to the UK State Pension are based on the Triple Lock provisions introduced by the British Government in 2010. This states that the UK State Pension benefits increase by whichever of these is higher of 2.5%, the UK rate of Inflation, and annual UK earnings. Effectively this means a minimum of 2.5% growth per annum, and more if either of the other 2 are higher. From 2022 to 2025 the pension payout has increased by 25% overall, driven by inflation increases.
What can UK State Pensions Abroad do for you?
We can simplify what is an involved procedure dealing with two separate UK Government departments. We have a defined process, taking your information just once and populating all the forms needed from this, getting your e-signatures and handling all the paperwork, as an agent of HMRC.
We do not offer pension advice; we offer specialised information and implementation assistance on UK State Pension entitlements. For any pension advice contact your financial advisor.
We can assist by liaising with the two UK authorities that assess and approve State Pensions on your behalf. The UK Department of Work and Pensions (DWP) to get a Pension Forecast for you and His Majesty’s Revenue and Customs (HMRC) who are the ultimate arbiter of your UK State Pension rights. We are a registered agent of HMRC.
Here is how it works:
1. You complete one secure form on our platform.
2. We fill in all the required forms for you, get your signature and get them to the UK Government Departments on your behalf.
3. We review with you the Pension Forecast report from UK DWP once received after 3-5 weeks.
4. We examine your input, review all the dates and employment details, we liaise with you if anything we think needs to be reviewed and changes, assemble any needed appendices for your application and send your full application by courier to HMRC on your behalf who will assess whether you are in Class 2 or Class 3, determining the cost and ability of claiming past year AVCs.
5. On you receiving your statement from HMRC we can review with you and provide the info needed to make the payments to HMRC and provide guidelines to keep in touch with them correctly in the with information on the cost and the benefits of “reaching back”. Should you wish to pay the AVCs, we will also email you a letter formatted to your particular circumstances that you can sign and send to HMRC and we can provide information on the correct format of transfers to HMRC. We will show you how to ensure you get proper receipts and the most effective means to continue to contribute until your retirement age. The pension payments go directly to HMRC and not to UK State Pensions Abroad.
Our total fee for all of this is €550 incl Vat, payable at the outset. For context, our fee is less than 2 weeks of a full UK State Pension benefit payout, and carries a Money Back Guarantee (see details on Apply Page)
