Does working in France always make you ineligible for an S1?

Sorry, this is a spinoff from another threat.

A friend worked in France briefly many moons ago. He then moved back to the UK and worked there for years.
Then he retired to France.

He started drawing his teensy French pension. In addition to his UK state pension.

On reaching age 65 and applying for his UK state pension, he was automatically issued with an S1.

But since he was already in the French healthcare system he returned the S1, saying he didn’t need it.

He only recently woke up to the advantages of having an S1. And contacted the UK authorities to see if he could get his S1 back.

They said no and explained that because he had a French pension, he wasn’t eligible.

Are they correct?

Yes.

Apparently there is a small window when one can renounce your french pension but well before it is due to start or starts. Once he has received a € then no S1.

Generally if you work her France will be your competent State, not UK (or anywhere else).

Way back when in the misty years when a lot of British people came to France they were advised to start a teeny business to get access to healthcare very cheaply. For many this was really just a few €€€€ a year, so got a nasty shock much later when realised this meant they had lost their S1.

2 Likes

Thanks Jane.
For some reason, I thought maybe the fact he went back and lived and worked in the UK for years after that little student job would mean the UK was his competent state.

AHh., yes if that was the last place he worked. But once he’d drawn down the person that is immaterial.

3 Likes

I reckon this info provided by @JaneJones should be boldly emblazoned somewhere (and shouted from the rooftops), so that Everyone considering touching a French pension (no matter how tiny) understands the full implications if they’ve got a UK pension entitlement as well.

I know this is not the first time the subject has arisen and been thoroughly discussed here on the forum. Still it seems that some folk are blissfully unaware… aaargh.

I think you’re right, Stella.

Do we need an “If Only I’d Known’ thread?

It might get rather long :slight_smile:

Out of curiosity - what is the advantage of accessing the French health system via an S1 - presumably if entitled to a French pension, even if small, you would get healthcare by that route?

S1 keeps you out of at least 2 French social charges. Which are % wise significant and apply to income and CGT, at least

1 Like

My mate is kicking himself for not knowing this.

Another, sneakier friend has conveniently “forgotten” she worked in France years ago and managed to get an S1.

Ah. It’s academic in my case as I have never worked in France so if we made a permanent move it would be an S1.

1 Like

Surely, so long as one does NOT claim the French Pension (???) one is OK using/getting the S1 ??? (@JaneJones will probably know the answer :crossed_fingers: )

She has deliberately not checked on info.retraite to see whether there is any record of the employment. Never mind claiming it. She has just ignored it completely.

Dangerous to ignore it, the pension bodies here have all your details, even a Saturday job I did at age 16 and still in UK education. I am not entitled to a UK S1 as I worked for many years part time here but I do get access to CSS free healthcare so it does not concern me.

1 Like

But realistically, supposing a record of the employment exists and it probably does, are the French going to turn round and say, hey, we should be paying for your healthcare, not the UK?
When it came to applying, the UK just took her word for it and handed the S1 over.

You might turn that question around to “you should be paying us a wad of taxes and charges” and get a different answer on the likelihood.

2 Likes

As far as I’m aware once the pension has been awarded/registered/recognised (not sure what word to use) then that’s it. Doesn’t matter if you claim it or not.

And there is more and more coordination on social security so systems are tighter. When I applied for my pension and S1 they wanted my employment history in detail, and specifically asked if i had worked in France given my address.

From the UK point of view if they can hand on another expensive old person then it is in their interests to do so.

1 Like

Right 'nuff.

Now this is puzzling me.
You had a gîte buisiness in France for years, was this after you retired. Or can you have a buisiness and earn upto a certain amount ?

1 Like

LMNP: louer en meublé non professional. Max of €21,000 a year. Now reduced to €15,000 which is why so many are selling up as no longer rentable.