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UK State Pension Payments to a Thai Spouse

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Just now, Will B Good said:

 

Go live in Turkey for an extended holiday........get an address, inform HMRC/whoever that you now live in Turkey.....pension is restored.

No thanks........😝

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  • No she wont

  • Bday Prang
    Bday Prang

    In your dreams pal. you are lucky to get it yourself

  • Bday Prang
    Bday Prang

    I got the big C so my days are numbered  I have a small pension from when I was a salaried  guy years ago ,I am currently  trying to sort this out via a financial advisor in the UK  it sure ain't easy

1 hour ago, Bday Prang said:

That''s the sort of thing I'm looking at setting up , whats the name of the annuity company   PM me if you wish.   I would be grateful

From his post, his ex-employer's occupational scheme would, presumably, be paying the benefits, not separate annuity company but all independent annuity providers offer the option of sole annuities or annuities with survivor's benefits. 

In 2010 an English friend died suddenly, he was getting the old state pension, I was asked to look into her getting a portion of his pension, if I remember correctly, because she was under 45, she would get a one-off payment, it wasn't a lot....

 

In 2017 another popped off, she had a NI number related to her husband's old type pension. She had never been in the UK, or paid NI, she thought she would get a pension.

I was asked to do the same thing, I had a chat with the people at pensions, they said, in her case no payments, women must be 65 to get any old age pension related payment..

 

I had a hell of a time trying to explain it to her, she never spoke to me again..........😂

1 hour ago, Will B Good said:

 

It has drifted into my view on occasions.....it's not like we will get into any trouble....555

...but those party to/perpetrating the fraud could and it defeats the object of the exercise which is to avoid problems for his survivor(s), not, potentially, create them.

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Occupational pensions are the only likely possibiity. Paid to wives, and usually to partners (subject to adequate proof and evidence of a relationship). Note however some occupational pension funds reduce the pension when the wife/partner is more than 10/12 years younger. In addition many pension funds cease pension payment if the wife/partner cohabits or marries.

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Many thanks to all Members for comments.

 

I receive two pensions from the UK one is a State Pension from the DWP and the other is a Private Pension from Legal & General from  when I was employed in the UK. After further research my conclusions are that my Thai wife will receive nothing from the DWP and will receive a reduced pension from Legal & General.

 

I receive 3 pensions from Norway one is a State Pension from NAV and the other two are Private Pensions from Nordea Liv from when I was employed in Norway. After further research my conclusions are that my Thai wife will receive nothing from NAV the State Pension and will receive two reduced pensions from Nordea Liv.

 

This will fortunately be enough for her to live on without problems but is considerably less than what she could have got had the Norwegian Government not stopped her right for a widows pension.

 

I have now written down what she needs to do in the event of my demise before her.

 

I have also written down what I need to do in the event that she dies before me.

 

31 minutes ago, Will B Good said:

 

Go live in Turkey for an extended holiday........get an address, inform HMRC/whoever that you now live in Turkey.....pension is restored.

Only if it can proved that it is not just an extended holiday for the purpose of fraud...DWP is not stupid. 

37 minutes ago, Will B Good said:
41 minutes ago, Liverpool Lou said:

...only if she is resident in the UK.

Wrong.....plus these

 

All EEA countries (e.g. France, Germany, Spain, etc.)

•  Switzerland

•  Gibraltar

 

🌐 Other Eligible Countries

 

•  Barbados

•  Bosnia and Herzegovina

•  Channel Islands

•  Israel

•  Jamaica

•  Kosovo

•  Macedonia

•  Montenegro

•  New Zealand

•  Philippines

•  Serbia

•  Turkey

•  United States

Seriously, you think that his Thai wife is likely to be resident in any of those countries when the reference was a UK SS benefit?

On 8/3/2025 at 2:02 PM, Bday Prang said:

As soon as they discovered  his situation  or when he was daft enough to tell them

Wouldn't it be when you cease to be UK resident. Is it 180 days? I know this will open a can of worms but as you say, when you tell them.

Also you know you can get the money every 2 weeks. Get the money in your account sooner not swelling the Government's bank account. I got fed up struggling as I neared the pension pay date so I now get it every 2 weeks.

1 hour ago, transam said:

In the UK, if you work, you have to pay into national insurance, national insurance is related to getting the state pension. Anyone can pay into a private pension, but must pay into national insurance so get the state pension..

Yes, so ? makes sense to me a thai wife wouldn't get the Brit husbands pension, no NI contributions 

3 hours ago, Will B Good said:

 

I keep reading about how annuities are improving, or have improved of late, and I'm tempted to "sell up" and buy one....under review as they say!!!

Once you put money in an annuity you can’t get it back only by monthly payments, you die the annuity dies with you not unless you assign it to some one but you will receive lower monthly payments if you do.

2 minutes ago, Jumbo1968 said:

Once you put money in an annuity you can’t get it back only by monthly payments, you die the annuity dies with you not unless you assign it to some one but you will receive lower monthly payments if you do.

 

Cheers....just been reading up....index linked, not linked, single life.....and so on.

 

If I knew when I was going to die it would make things much easier.

2 hours ago, vibration said:

This will fortunately be enough for her to live on without problems but is considerably less than what she could have got had the Norwegian Government not stopped her right for a widows pension.

Correct. The Norwegian government did that recently, and it went into effect this or last year, if I remember correctly.

 

This is affecting many Thai (and others) widows in the future.

1 hour ago, Will B Good said:

If I knew when I was going to die it would make things much easier

But would you like to know though?

I certainly wouldn't..

4 hours ago, transam said:

In the UK, if you work, you have to pay into national insurance, national insurance is related to getting the state pension. Anyone can pay into a private pension, but must pay into national insurance so get the state pension..

To be pedantic, if you work and have PAYE deducted the employers contribution I think is what counts for the state pension. Self employed I don't think would get it, they have to make a voluntary contribution. Under the new rules it might be different. Any body working over retirement age there are no employer contributions for obvious reasons, you are already above retirement age.

2 hours ago, Will B Good said:

 

Cheers....just been reading up....index linked, not linked, single life.....and so on.

 

If I knew when I was going to die it would make things much easier.

Mutual trusts which used to be called unit trusts, low to high risk funds available, whilst the value can fall as it’s linked to the markets but spread your money about in various different funds.

This is a complex area, and the entitlement of your Thai wife to a "Widow's Pension" from the UK will depend on several factors, primarily related to the specific pension schemes you have and the current UK regulations regarding overseas residents and their dependents.
Here's a breakdown of the two main types of pensions you mentioned:
1. UK Government State Pension
Your wife may be entitled to a portion of your UK State Pension, but it depends on:
 * When you (and she) reached State Pension age:
   * If you reached State Pension age before 6 April 2016 (old State Pension rules): Your wife might be able to inherit a percentage of your basic State Pension and potentially some of your Additional State Pension (SERPS/S2P) based on your National Insurance contributions.
   * If you reached State Pension age on or after 6 April 2016 (new State Pension rules): The new State Pension is primarily based on an individual's own National Insurance record. It is generally not possible to inherit a State Pension from a spouse or civil partner under the new rules, unless certain conditions apply (e.g., if you deferred your State Pension). However, there might be provisions for those who have lived or worked in countries with social security agreements with the UK.
 * Your National Insurance (NI) Contributions: For your wife to potentially benefit, your NI contributions would need to meet certain thresholds.
 * Her Age and Marital Status: She would need to be over her State Pension age and not remarried or in a new civil partnership before reaching State Pension age.
 * Residence: While you live in Thailand, the UK State Pension can generally be paid anywhere in the world. However, certain benefits like Bereavement Support Payment (which replaced Widow's Pension for deaths on or after 6 April 2017) have specific residency requirements.
Important Note on "Widow's Pension" and Bereavement Support Payment:
The "Widow's Pension" was largely replaced by Bereavement Support Payment (BSP) for deaths that occurred on or after 6 April 2017. BSP is a short-term benefit paid for up to 18 months. Eligibility for BSP generally requires the claimant to have been living in the UK or a country that pays bereavement benefits at the time of their partner's death. Thailand is not currently listed as one of the countries outside the EEA/Switzerland that can claim BSP from the UK.
2. Occupational Pension 

Most occupational pension schemes provide for a survivor's pension for a spouse or civil partner, but the amount and conditions vary. You would need to contact the Pensions Department directly to understand the specific provisions of your scheme. They will be able to confirm:
 * If a survivor's pension is payable.
 * The percentage of your pension that would be paid to your wife.
 * Any conditions or requirements for her to claim it (e.g., proof of marriage, identity, etc.).
 * How payments would be made to her in Thailand.
Key Actions You Should Take:
 * Contact the International Pension Centre (for State Pension):
   * This is the dedicated department for UK State Pension enquiries for people living abroad. They can advise on your wife's potential eligibility for any inherited State Pension benefits or Bereavement Support Payment based on your specific circumstances and NI record.
   * You can find their contact details on the GOV.UK website.
 
   * Get in touch with the Pension Body of the Company you worked for.
   * They can provide specific details about any survivor's benefits linked to your pension. It's crucial to understand the scheme rules that apply to your pension.
 * Review your Will and Estate Planning:
   * While not directly related to pension entitlement, living abroad with a foreign spouse means you should ensure your will is valid in both the UK and Thailand and clearly outlines your wishes regarding your assets.
   * Be aware of Inheritance Tax (IHT) implications. As a UK citizen, even if you live abroad, your worldwide estate (including assets in Thailand) could potentially be subject to UK IHT, depending on your domicile status. Spousal exemptions for IHT may apply, but it's important to understand the specifics for a non-UK domiciled spouse. Recent changes (from April 6, 2025) relate to long-term residency for IHT purposes. Seek legal advice on this.
It's highly recommended to gather all your pension statements and relevant documents before contacting these bodies, as they will likely ask for specific details about your contributions and pension scheme.

The above answer is a summary.

It’s more or less what others have said.

17 hours ago, Formaleins said:

So what would happen if everyone remained tight lipped and the UK are not informed of the husbands death? Just let it keep mounting up in the Wise box ready for transfer to the Thai lady's bank. I wouldn't imagine much interest from the British Embassy for some reason..

They randomly send out a proof of life form that has to be certified by an “approve person” so you might have some difficulties there.

17 hours ago, Will B Good said:

It ended if you started your pension after 2016.....if you were on the old pension prior to 2016 your widow can claim a proportion of your pension if some of it was SERPS related????.....something like that.

 

Found it.....

 

 

If the husband reached State Pension age before 6 April 2016, the old State Pension rules apply and the wife may inherit part of his Additional State Pension or basic State Pension, depending on his National Insurance (NI) record.

From your earlier post -thanks.

Just making an application for the wife based on exactly that. She needs to be of pension age which is 66 to get/apply for the pension. And possibly a UK state pension after my death.

 

Just wait and see now. will post the result of the application.

 

 

On 8/3/2025 at 7:24 PM, delgarcon said:

No she wont

If you received your state pension before 6 April 2016 and your wife is 66 or over she may well be eligible for a pension based on around 60% of your current pension subject to certain conditions- refer to DWP

She may also be entitled to a pension or part pension in the event of your death.

We are currently in the process of applying for her pension on this basis and we will see, a bonus if it happens.

Interested to know if anyone's wife is receiving that benefit?

18 hours ago, Liverpool Lou said:

...only if she is resident in the UK.

Ok. I thought if she had been legally married. I stand corrected 

18 hours ago, thaibreaker said:

But would you like to know though?

I certainly wouldn't..

 

No....time would pass ten times faster ...555

17 hours ago, Jumbo1968 said:

Mutual trusts which used to be called unit trusts, low to high risk funds available, whilst the value can fall as it’s linked to the markets but spread your money about in various different funds.

 

 

Currently have everything in Funds at the moment...maxed out the ISA stocks and shares without tipping over into the 40% bracket.

 

Some of the funds have shown ridiculous returns recently.....one is 36% over 18 months.

5 hours ago, Thailand said:

From your earlier post -thanks.

Just making an application for the wife based on exactly that. She needs to be of pension age which is 66 to get/apply for the pension. And possibly a UK state pension after my death.

 

Just wait and see now. will post the result of the application.

 

 

 

 

Good luck.

2 hours ago, Will B Good said:

 

No....time would pass ten times faster ...555

 

2 hours ago, Will B Good said:

 

 

Currently have everything in Funds at the moment...maxed out the ISA stocks and shares without tipping over into the 40% bracket.

 

Some of the funds have shown ridiculous returns recently.....one is 36% over 18 months.

We just need Trump to make his mind up about tariffs albeit if you had had any spare cash a few weeks ago when the markets dropped substantially  and invested you would be quids in.
Private Pension Funds invest in the markets, I think people would get a shock if they actually looked at their Private Pension statement and saw how much the charges are.

23 hours ago, Geoff914 said:

Wouldn't it be when you cease to be UK resident. Is it 180 days? I know this will open a can of worms but as you say, when you tell them.

Also you know you can get the money every 2 weeks. Get the money in your account sooner not swelling the Government's bank account. I got fed up struggling as I neared the pension pay date so I now get it every 2 weeks.

Weekly is also possible. That requires a UK bank account. I arranged this with a call to DWP a few years back. A rather painless process as I was not changing the bank account only the timings.

 

It was just after I had my pension stopped due to non submission of the proof of life cert. It took some time to get that sorted and I was cheesed off with the delay and considered that going for a weekly payment I would have earlier knowledge of a problem.

  • Author
40 minutes ago, PPGuy said:

Weekly is also possible. That requires a UK bank account. I arranged this with a call to DWP a few years back. A rather painless process as I was not changing the bank account only the timings.

 

It was just after I had my pension stopped due to non submission of the proof of life cert. It took some time to get that sorted and I was cheesed off with the delay and considered that going for a weekly payment I would have earlier knowledge of a problem.

 

My DWP pension was stopped earlier this year and I had to call them as to why, they said that they had sent me a proof of life certificate however this had not been recieved before they stopped my payments. Fortunately I was able to convince them over the phone that I was still alive and they restarted it. The Life Certificate arrived about 2 weeks later just amazing.

22 hours ago, thaibreaker said:

Correct. The Norwegian government did that recently, and it went into effect this or last year, if I remember correctly.

 

This is affecting many Thai (and others) widows in the future.

Rigth.I have a  pension from Norway about 4500£ a month.Thats included money from DNB LIV.

I worked 40 years so i get full pension here.I had a accident at work in 2015 and after 3 years i get payed out from TRYG a good amount of money.That time i divorced my thaiwife here and she tried to make me sign some papers that i refused.She had remarried here so she didn't have any rigths to anything.If she didn't married again she could claim widow pension even if we divorced.If i die before my kids here they will get it.Im still on uføretrygd here and will receive that some years more.I will never get married again that's for sure.Im allowed to stay in fex Thailand 6 months a year.That means a period from 1st of January and 6 months ahead or start another month.It also means i can stay from fex july until 31st December and then can start on a new 6 months period from 1st of January.

Anyway i never do that..3-4 months a year is enough for me.

On 8/6/2025 at 1:54 PM, The Cyclist said:

 

Standard Life / Scottish Widows or most other big name UK Company will set up a retirement plan for your other half. Which can then be converted to an annuity.

 

If you already have an occupational pension, speak to them direct, most occupational pensions have survivor benefits

 

As an idea

 

My Government pension, pays 50% 

 

My Private pension pays 75%

 

Best wishes

     You were bang on bud , my financial advisor contacted me last night with info on a "Standard life" fixed term annuity which will pay an initial 25% lump sum into my UK bank account followed by 4 years of regular payments annually in advance, If  I die before the plan is completed then they will pay the remaining  balance tax free to the wifes Thai account.   why they can do it but so many others would not is a mystery to me   

     

56 minutes ago, Bday Prang said:

You were bang on bud , my financial advisor contacted me last night with info on a "Standard life" fixed term annuity which will pay an initial 25% lump sum into my UK bank account followed by 4 years of regular payments annually in advance, If  I die before the plan is completed then they will pay the remaining  balance tax free to the wifes Thai account. 

 

I couldn't make a direct recommendation for obvious reasons. I set up a 15 year retirement plan for my other half 8 or so years ago, it was a straight shootout between Standard Life and Scottish Widows, Standard life was our choice.

 

1 hour ago, Bday Prang said:

why they can do it but so many others would not is a mystery to me   

 

Just one of life's mysteries 😀😀

 

Glad to hear, you got sorted.

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