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2023/24 is unique as you can claim back up to 18 years historic this year only!
UK State Pensions Abroad is an Official Overseas Agent of Her Majesties Revenue and Customs
We provide information and execution not pension advice
Here is how it works:
Comprehensive Service to assist you with your UK State Pension Claim
Now that it is now within a year of the extended HMRC deadline. We are offering a comprehensive service which involves obtaining a UK State Pension Forecast, along with making a full claim to HMRC for an enhanced Pension buyback of up to 18 years.
Previously we offered a sequential Phase 1 and Phase 2 service, and 99% of people, having completed the first, moved to Phase 2. In the light of an approaching deadline, we have combined these two phases into one complete service to speed up the entire process, which is currently delivering more than a 90% success rate. Once you apply to use our service, with your UK National Insurance Number, we will work to determine your current entitlements and provide a report to you. This will outline how your claim may be enhanced and what the likely costs and benefits may be. If you already have a UK pension forecast, we will review and provide a full report.
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. 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.
Comprehensive Claim
We are offering a comprehensive service which involves obtaining a UK State Pension Forecast, along with making a full claim to HMRC for an enhanced Pension buyback of up to 18 years.
€550
Once you apply to use our service, with your UK National Insurance Number, we will work to determine your current entitlements and provide a report to you. This will outline how your claim may be enhanced and what the likely costs and benefits may be.
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. 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.
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!