Martha and Mel Morgan are the husband-and-wife team with extensive business, banking and compliance experience behind the business.
If ever there was a business built from personal experience this is it. Both Martha and Mel lived and worked in the UK in the 90’s for 5 years before moving back to Ireland.
The size of the opportunity for individuals occurred to Martha when she checked her own UK State Pension forecast. Unsurprisingly it showed that she was not entitled to a pension… but on reading the document carefully it appeared there was an opportunity to buy back prior years and to continue to pay forward until retirement years to gain a full pension. The figures subsequently received from HMRC were shocking (in the best way!). Any back payments and continuous annual payments for Martha and Mel until their retirements would be recouped in 6 months post retirement, with 2 full UK State Pensions paying out weekly thereafter.
Worried that this might impact the Irish State Pension, Mel wrote to Irish Dept of Social Protection for clarification and was told it does not impact the Irish pension. In fact, the payments to UK HMRC are probably the best value Additional Voluntary Contributions (AVCs) available to top up an individual’s pension potential.
The Morgans then contacted some friends who had worked in the UK with the news of the UK State Pension potential. Martha recalls; “Very few people were aware of the opportunity and those that had any knowledge did nothing apart from a Google search. We started to help people through the administration maze helping to make things as simple and easy to understand as possible.”
It wasn’t long before this grew and UK State Pension Abroad was established. A registered agent of His Majesty’s Revenue and Customs to act for other people who have worked in the UK to claim their pension entitlements.
Martha Morgan is a Qualified Financial Advisor (QFA) with the Institute of Bankers (IoB) since 2007. She has many years financial services experience across both Private and Retail Banking. She holds a B. Comm. (Hons) from University College Galway.
Mel Morgan is a Commercial and Marketing professional with a passion for excellent customer experience developed in luxury goods and sport businesses. He holds a B.Comm and MBS in Marketing and Financial Management from University College Galway and UCD.
The Morgans have a simple goal to help as many people as possible avail of what is rightfully theirs to build for retirement. Take a few minutes to fill in your details to get started, if they can help in any way they will!
UK State Pensions Abroad is an Official Overseas Agent of His Majesties Revenue and Customs
We provide information and execution not pension advice
Why is it Critical to Apply Immediately?
The rules are changing in March 2025 you will no longer be able to “reach back” up to 17 years to improve your UK State Pension entitlements. Processing your claim by HMRC is steady but very slow, and you will need to ensure you have approval in good time.
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!
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 2023 of up to £203.85 per week 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.
I'm very happy to recommend Mel's service. He brought me through the whole process with detailed instructions at each stage and I'm very happy with the outcome. From previous experience, this would have been much more difficult working directly with HMRC.
Great service. I tried previously to sort out my UK pension contributions from abroad but found it to be quite complicated. I heard Mel on Newstalk last year and decided to give it a shot. The process was made really easy using their online questionnaire, far easier than the HMRC form itself! There is some waiting in the middle of the process but you will have that wait whether you do it by yourself or with UK State Pension Abroad. The results of the process were great, with Mel's guidance. He's also very quick to respond to emails. Would highly recommend to anyone who's been away from the UK and wants to keep their contributions up to date
Mel and company made a complex task very simple. And very good value for money. The thoughts of navigating the department’s of works and pensions along with HMRC is daunting but Mel and team took that pressure away and myself and my wife are delighted with the results. Thank you.
Fantastic service and a very positive experience. Mel took care of all the paperwork and simplified the process. Great communication throughout. I would highly recommend this service.