Has anyone used the process of EU pension aggregation?
I have have worked in 6 EU countries and through EU pension aggregation I have rights in all countries.
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Hello @Driac and welcome to the forum…
Must confess, I know nothing of this, but the EU site give info (which you’ve probably worked your way through already).
Hopefully, someone has some experience and can help you…
cheers
Yes I have the link but could not copy it in my post.
The information I have is the UK tend to ignore the process even though it remains in place for any Brits who worked in an EU country before brexit.
I don’t plan to apply for my very minor French pension as that will mean that I can’t get an S1 from the UK. I continued to pay class 2 NI on the assumption that I may return to the UK; I will never. With an S1 I don’t have to pay the health cotisations. .
Oh dear… where did such info come from?
If you are referencing the UK; other persons experience. It seems to be typical of the UK these days.
you don’t intend to pursue your French pension… fair enough
what other EU pensions do you have rights to??
Not sure you have control of this.
The last country you worked in is your competent state and if it wasn’t the UK then form S1 is not available to you. Continuing to pay NI contributions in the UK may well help bolster your UK OAP but that’s all.
This is how I understand it but others might know better.
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Actually, @Driac that’s a good point… where was the last country in which you worked ???
I will start the process with CH which has a pension age of 65 from which OH has a pension based on my contributions even though she did not work in CH.
When she applied for her CH pension she was not ask her about her contributions in France by cesu.
Lets see what happens.
I have full UK pension rights. For comparison a full UK state pension is less than some other countries partial state pensions.
I earnt a few hundred in France via cesu, but the last real earnings were in CH
Does the amount matter… the link merely says the country where one was last employed… not where one was paid the most…
I think perhaps you need to speak with Experts
Yes, I can read the process and comprehend. My post was asking for experience of using the system.
The CH AHV site suggests that I can with CH.
Start
CH isn’t EU but there is a reciprocal agreement. I had my CH contributions added to my German pension.
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Yes, but it is in the EU cross boarder social system. CH is part of the Single Market and that includes FoM and participation in social systems.
PS I am Swiss with britisch citizenship.
Can I ask where you started the process and did you have French earnings? Do you get your payments from Germany or from D and CH?
I also have, by the process, German pension rights.
@Driac which country covers your Health at the moment ?
A S1 is granted from the country where the person has contributed the most years of contributions so long as the person is not receiving a pension from the host country.
Do not bank on that. The very fact that you are entitled to a French pension no matter how small and whether or not you claim it makes you ineligible for an S1 from the UK. And you are generally asked for work history as part of the application. Of course one could lie, but that is fraud which is a criminal offence.
Yes some people have got a UK S1 despite having EU pension entitlement, but equally many others have been refused, or had it rescinded, or found that the French would not accept it. The social security services are increasingly coordinated.
This is official text from CLEISS:
“The European regulations do not lay down any specific provisions relating to the renunciation of old-age pensions, particularly as regards the consequences for the competence of States in respect of sickness insurance. However, there are consequences for the rules of priority of the competent State for sickness insurance in the State of residence. Voluntary renunciation must not be prejudicial from the point of view of the financial burden for the other State, which is not in principle responsible for sickness benefits in the State of residence.”
So to renounce your french pension is prejudicial to the UK….