Frozen in time: British expats losing out on pensions in Thailand

[bradiston]

26 minutes ago, G_Money said:

Spell check 

 

but if that’s all you got, that’s all you got

 

Yeah, you could try proofing your posts. You do know how to do that, right?

 

 

[G_Money]

8 minutes ago, bradiston said:

 

Yeah, you could try proofing your posts. You do know how to do that, right?

 

 

I post from my IPhone.  Quick replies.  And normally in a hurry.  No desktop for me.

[bradiston]

47 minutes ago, jori123 said:

•  

https://aseannow.com/topic/1318899-uk-frozen-pension-returning-to-uk-and-going-overseas-again-at-a-later-date/?do=getNewCommenton

EVER the laws covering benefit fraud (specifically Social Security Administration Act 1992) EXCLUDE the state pension as a 'Sanctionable Benefit'.  This means that if you commit state pension fraud your pension cannot be stopped or reduced.  Your pension will simply be adjusted back to the correct 'frozen' level going forward.  You will not have to pay anything back. Theoretically, if you go back to UK you

There is no frozen pension as such, certainly not for receiving one in TH.believe what you want to believe

The UK pension is effectively frozen at the rate originally received by the pensioner, if the pensioner moves abroad and lives outside any one of the countries that has an agreement with DWP that includes increases. The list can be found on the DWP website, or on .gov.uk. Most EU countries are included, Philippines, and I believe Turkey are amongst those that are included, but see below:

 

https://www.gov.uk/government/publications/state-pensions-annual-increases-if-you-live-abroad/countries-where-we-pay-an-annual-increase-in-the-state-pension

 

[jori123]

Frozen pension is a myth, if you want one, apply for it, not wanted? apply with uk address

[Zack61]

3 hours ago, G_Money said:

That is pretty f——- up. What difference does it make where they live if one is vetted and qualified.

 

Glad America doesn’t have that policy but if Harris wins anything is possible to include complete forfeiture to give to those who refuse to work.  Socialism is what she represents.

If you define socialism as opposition to significant tax breaks to the filthy rich, raising the minimum wage to a liveable wage and offering affordable health care to those unfortunate enough to be on the minimum wage then she is guilty as charged. Sounds like you might be paying her a compliment. 

[G_Money]

1 minute ago, Zack61 said:

If you define socialism as opposition to significant tax breaks to the filthy rich, raising the minimum wage to a liveable wage and offering affordable health care to those unfortunate enough to be on the minimum wage then she is guilty as charged. Sounds like you might be paying her a compliment. 

I don’t.

[jori123]

3 minutes ago, bradiston said:

The UK pension is effectively frozen at the rate originally received by the pensioner, if the pensioner moves abroad and lives outside any one of the countries that has an agreement with DWP that includes increases. The list can be found on the DWP website, or on .gov.uk. Most EU countries are included, Philippines, and I believe Turkey are amongst those that are included, but see below:

 

https://www.gov.uk/government/publications/state-pensions-annual-increases-if-you-live-abroad/countries-where-we-pay-an-annual-increase-in-the-state-pension

 

Not enforceable you could show the SP rules  Thank you   remember SP

[bradiston]

5 minutes ago, G_Money said:

I post from my IPhone.  Quick replies.  And normally in a hurry.  No desktop for me.

What, the famous "Made in China" iPhone, pride of America? Give me Android any day. And as for "Apple Intelligence"? 55555!

[bradiston]

Just now, jori123 said:

Not enforceable you could show the SP rules  Thank you   remember SP

Meaning?

[AdrianUk]

Losers blame the government; they should have saved, invested or got better jobs. They always have money for pussy though.

[BritManToo]

56 minutes ago, G_Money said:

Just explained SS to another rocket scientist a few threads earlier.

 

Read it and learn something.

 

As I recall the UK old age pension is a hand out. I am not completely sure but someone here should explain the facts.

 

My NI payments were near 20% of my salary, but if you don't work it is a handout.

[jori123]

1 minute ago, bradiston said:

Meaning?

claim unfrozen   no punishment   of course if u know different post it    sp that is

[bradiston]

2 minutes ago, jori123 said:

Not enforceable you could show the SP rules  Thank you   remember SP

What's not enforceable? You still have to provide an address. Oh you mean a charge of pension fraud is unenforceable? Sure, but why take the risk?

[AhFarangJa]

2 hours ago, Nemises said:

They knew their pensions would freeze if they left the UK.

Next.

NO, WRONG, I for one was not aware of this blatant discrimination, like thousands of others, so crawl back under the stone you squirmed from.

[csmith]

[bradiston]

1 minute ago, jori123 said:

claim unfrozen   no punishment   of course if u know different post it    sp that is

Sure, use a UK address or whatever. Many do. None of my business. But I don't pay UK tax on account of having stopped work there and having left 9 years ago so it would look a bit odd if I used a UK address for the DWP.

[csmith]

[jori123]

•  

  5 minutes ago, bradiston said:

  What's not enforceable? You still have to provide an address. Oh you mean a charge of pension fraud is unenforceable? Sure, but why take the risk?

         https://aseannow.com/topic/1318899-uk-frozen-pension-returning-to-uk-and-going-overseas-again-at-a-later-date/?do=getNewCommenton

Np risk ,no punishment ,nothing

•  

 

[bradiston]

5 minutes ago, AhFarangJa said:

NO, WRONG, I for one was not aware of this blatant discrimination, like thousands of others, so crawl back under the stone you squirmed from.

Well, it's there in black and white for all to see on the government's website. With warnings about moving abroad and the possible consequences. Ignorance is not a sin, nor a crime, but it won't get you off the hook.

[Red Forever]

2 hours ago, milesinnz said:

UK government petty mindedness... but then, how can they make up for the money it costs to house and feed the illegal immigrants.... ?

Wow, only 5 posts in and racism is shoehorned into a UK pension discussion.

FYI the people to whom you refer are not "illegal".

[Ben Zioner]

44 minutes ago, newbee2022 said:

Some are even forced to return to the UK, putting extra strain on the NHS and social care system, reported iNews UK.

 

“Government help is what we need, and we need it soon.”

I'd guess that this is the key, the savings made by keeping the pensions frozen may be outweighed by the cost of tens of thousands socially and economically  fragile returnees.

 

Best of luck..

[jori123]

This is State Pension

2 minutes ago, bradiston said:

Well, it's there in black and white for all to see on the government's website. With warnings about moving abroad and the possible consequences. Ignorance is not a sin, nor a crime, but it won't get you off the hook.

It is black and white,   State  Pension, no punishment, be specific tho,do not quote other benefits

[Celsius]

1 hour ago, chiang mai said:

You sound very empathetic and caring!

 

Have you considered that many of those people have lived here for decades and have families here. Perhaps their financial planning and acumen wasn't that great three decades ago and they misjudged the high cost of inflation over that period, but is that entirely their fault. Telling a 75 year old to go back to a country where he has no assets or family and hasn't lived for thirty years, whilst all his family is here, is not helpful. 

 

Inflation always existed. Three decades ago I was 21 and would not move to another country where I have zero rights just because I was 😺 hungry.

[chrisbangkok]

1 hour ago, Ben Zioner said:

Amazing sentence. I was raised seeing miners happy to walk to the bus stop to catch the bus to their afternoon shift.

After 40 gruelling years in an office without planning for a retirement it seems .. guess it was  surprise when he retired after all who knew eh  ?

[Mike Teavee]

Just now, jori123 said:

This is State Pension

It is black and white,   State  Pension, no punishment, be specific tho,do not quote other benefits

Whilst the basic State Pension cannot be garnished to repay any (Fraudulent) overpayments, other "Benefits" (Including additional Pension Credits) can be:-  

Sanctionable benefits

The following benefits can be reduced or stopped if you commit benefit fraud:

• Carer’s Allowance
• Employment and Support Allowance
• Housing Benefit
• Incapacity Benefit
• Income Support
• Industrial Death Benefit
• Industrial Injuries Disablement Benefit
• Industrial Injuries Reduced Earnings Allowance
• Industrial Injuries Retirement Allowance
• Industrial Injuries Unemployability Supplement
• Jobseeker’s Allowance
• Severe Disablement Allowance
• Pension Credit
• Universal Credit
• War Disablement Pension
• War Widow’s Pension
• War Pension Unemployability Supplement
• War Pension Allowance for Lower Standard of Occupation
• Widowed Mother’s/Parent’s Allowance
• Working Tax Credit

[G_Money]

20 minutes ago, BritManToo said:

 

My NI payments were near 20% of my salary, but if you don't work it is a handout.

All near 20% paid by you for your entire working career.  No employer match?  
 

In USA employees pay about 7.5 % and employer pays another 7.5 %.  15 % into the coffers.  
 

At retirement age and withdrawing it is taxed by the federal government (80%).

 

Medicare payments are also deducted from SS payments.

Payments are subject to COLA (cost of living adjustment) when given.

 

 

 

[Hummin]

1 hour ago, Ben Zioner said:

Seems that some guys came here with zero planning. And somehow can't go back?

All they longing for was just some sun and a beer.

 

And look what happened 

[charliebadenhop]

This is a really poorly written article in many ways.

 

I thought people had lost access to their pensions.

 

And how does not getting a yearly increase leave people living "hand to mouth".

 

Geez!

[jori123]

1 minute ago, Mike Teavee said:

Whilst the basic State Pension cannot be garnished to repay any (Fraudulent) overpayments, other "Benefits" (Including additional Pension Credits) can be:-  

Sanctionable benefits

The following benefits can be reduced or stopped if you commit benefit fraud:

• Carer’s Allowance
• Employment and Support Allowance
• Housing Benefit
• Incapacity Benefit
• Income Support
• Industrial Death Benefit
• Industrial Injuries Disablement Benefit
• Industrial Injuries Reduced Earnings Allowance
• Industrial Injuries Retirement Allowance
• Industrial Injuries Unemployability Supplement
• Jobseeker’s Allowance
• Severe Disablement Allowance
• Pension Credit
• Universal Credit
• War Disablement Pension
• War Widow’s Pension
• War Pension Unemployability Supplement
• War Pension Allowance for Lower Standard of Occupation
• Widowed Mother’s/Parent’s Allowance
• Working Tax Credit

No State Pension

[bradiston]

7 minutes ago, jori123 said:

•          https://aseannow.com/topic/1318899-uk-frozen-pension-returning-to-uk-and-going-overseas-again-at-a-later-date/?do=getNewCommenton

Np risk ,no punishment ,nothing

•  

 

 

And no rise! I read the whole thread. If you leave again, your pension reverts to the very first payment amount, ie pre frozen, with no increases.

 

And you have somewhere in the UK to stay for 6 months? Is the UK affordable? And the cost of the return flight? That alone will hardly be covered by any rise you'll see while back in the UK. Is it really worth it?

 

Return flight to Philippines about 6,000 THB. Ring the DWP. Tell them you've moved there. Pay pension into Wise account. YMMV and I would expect you to spend at least 6 months there...I'm not advising breaking any laws. It's only a suggestion which probably won't be useful to many. Like tax avoidance for the rich. It's not tax evasion. There's a huge difference.