But if you go back to the UK for any duration and claim you live there, it gets uprated: I attach edited AI conversation in case you are interested: The long-term impact is severe. One example: a retiree who moved to Thailand saw his pension frozen at £6,360 and it will remain at that level for the rest of his life, leaving him tens of thousands of pounds worse off over time. Ross Naylor If you return to the UK: Pensioners who return to the UK can get their pension uprated to the current full amount by applying to the DWP, but that higher rate only applies for as long as they remain in the UK. Wikipedia One practical note on timing: It is your residency status — not where the money is paid — that determines the freeze. Whether the pension is sent to a Thai bank account or a UK account makes no difference; once full-time residence in Thailand is established, the pension is frozen When you return to the UK, your pension gets uprated to the current full rate — but only for as long as you're actually in the UK. The moment you return to Thailand, it freezes again at whatever the current rate is at that point. So in practical terms: While in the UK: You'd receive the full, uprated pension amount that UK residents get. When you return to Thailand: It freezes again at the rate applicable at the time you leave. This means a stint back in the UK could be worthwhile if you time it well — you'd "bank" any increases that have accumulated while you were in Thailand, and your new frozen rate would be higher than the old one. Some expats do deliberately return to the UK periodically for this reason. Things to be aware of though: You'd need to genuinely establish UK residence, not just visit Genuinely returning to live in the UK ("ordinarily resident") There is an exception — if you retire abroad "part-time" but live in the UK for part of the year and remain "ordinarily resident" in the UK, you will get annual increases in your state pension.
Create an account or sign in to comment