The new State Pension

8. Living and working overseas

If you live or work in another country, you might be able to contribute towards that country’s State Pension scheme.

If you’ve lived or worked in another country in the past, you might be eligible for that country’s state pension and a UK State Pension.

To check if you can pay into or receive another country’s state pension, contact the pension service for that country.

Claiming another country’s state pension

Depending on where you’ve lived or worked, you may need to make more than one pension claim.

European Economic Area (EEA) countries, Gibraltar and Switzerland

You only need to claim your state pension in the last country where you lived or worked. Your claim will cover all EEA countries (including the UK), Gibraltar and Switzerland. You don’t need to claim for each country separately.

Countries outside the EEA (except Switzerland)

You need to claim your pension from each country separately.

Check with the pension service for the country where you’ve lived or worked to find out how to make a claim.

Your UK State Pension if you’ve lived or worked abroad

Your UK State Pension will be based on your UK National Insurance record. You need 10 years of UK National Insurance contributions to be eligible for the new State Pension.

You may be able to use time spent abroad to make up the 10 qualifying years. This is most likely if you’ve lived or worked in:

Example

You have 7 qualifying years from the UK on your National Insurance record when you reach State Pension age.

You worked in an EEA country for 16 years and paid contributions to that country’s state pension.

You will meet the minimum qualifying years to get the new State Pension because of the time you worked overseas. Your new State Pension amount will only be based on the 7 years of National Insurance contributions you made in the UK.

You want to retire overseas

You can claim the new State Pension overseas in most countries.

Your State Pension will increase each year but only if you live in:

Your new State Pension may be affected if your circumstances change. You can get more information from the International Pension Centre.