We can help you understand your pension eligibility.
We provide our members with a detailed package of information which includes:
– What steps you need to take, including who you should write to.
– A sample pro forma letter for you to use.
– What initially you can expect to receive back from the UK government.
– What you need to do once the UK government replies.
I feel that CABP membership is the best money that I spend each year. I have benefited in many ways by joining. For example, I had seven years of service in the UK, but through CABP I learned about the opportunity of buying back years and making extra years of contributions. Now I have 30 qualifying years.
There are only two criteria that are used to determine if you are eligible for a UK state pension.
The first is that you need to have been employed or self-employed in the UK and have made National Insurance Contributions (NICs).
On 6th April, 2010, the system was changed such that you only needed a minimum of 1 year NICs and to get a full state pension you only needed 30 years of NICs.
Prior to the 2016 Pensions Bill you needed a minimum of 1 year NICs, and to get the “full” state pension you needed 30 years of contributions.
Voluntary contributions as well as time spent as a full time child carer in the UK also count towards qualifying years.
Following the passage of the 2016 Pensions Bill you now need a minimum of 10 years NICs, and to get a “full” state pension you need 35 years of contributions.
The second criterion is dependent on when you were born:
- Brian Lechem - Chairman (2002-2005, 2010-2012)
If you were born after 31st December 1975, and you have ever worked in the UK you may in later life qualify for a British state pension. Younger people stand to gain a lot of money down the road and that is why you join the CABP today!
That ‘found’ money may come in the form of a UK state pension you simply had forgotten about and you would never remember to claim when the time comes until the CABP reminded you about it – so, don’t delay, sign up today.
That ‘found’ money may come in the form of a bigger pension for life than you thought you would be entitled to because the CABP will tell you about the possibility of buying back years of National Insurance contributions and/or paying forward years of contributions – and you can do it from here in Canada – so, what are you waiting for? Let’s get started…
And that ‘found’ money may come in the form of pension indexation each and every year of your retirement, because by joining the CABP you will help to unfreeze the UK state pension – and not just for yourself but for many, many of your friends as well. So, join us today and we may be able to give you some advice on how to maximize the state pension amount that you might be eligible to receive.
There are a number of factors that contribute to the British state pension amount that you receive. For example, you may be able to make voluntary contributions, which represent an excellent investment, to top up your pension.