Benefits and pensions for EEA and Swiss citizens in the UK (2024)

The UK has left the EU. The EU Withdrawal Agreement sets out the terms of the UK’s withdrawal from the EU.

EEA and Swiss citizens and their family members can make a late application to the EU Settlement Scheme to continue living in the UK. You must apply as soon as possible. You must have started living in the UK by 31 December 2020.

Irish citizens living in the UK

You, and members of your family living in the UK, will be able to claim or continue to receive the UK benefits you are entitled to. You will also continue to receive any Irish benefits you remain entitled to while living in the UK.

Other EEA and Swiss citizens

Living in the UK by 31 December 2020

You and your family members living in the UK by 31 December 2020 will be able to claim or continue receiving UK benefits for as long as you continue to be lawfully resident in the UK and meet the eligibility requirements.

You will need to apply to the EU Settlement Scheme as soon as possible to remain in the UK and be eligible to claim benefits.

Moving to the UK

If you want to move to the UK you will be able to apply for an immigration status under the skills-based immigration system. The rules on claiming certain UK benefits have changed.

You will still be eligible for a UK State Pension as long as you meet the qualifying conditions.

If you have made social security contributions in the EEA or Switzerland by 31 December 2020 and you are covered by the EU Withdrawal Agreement, you can still use these to help you qualify for a UK State Pension.

Moving back to the EEA or Switzerland

If you move back to the EEA or Switzerland and you are covered by the EU Withdrawal Agreement, you may still be able to claim certain UK benefits as long as you meet all other eligibility requirements.

Frontier workers covered by the EU Withdrawal Agreement

From 1 July 2021 EEA citizens, except for Irish citizens, must have a frontier worker permit to come to the UK to work as a frontier worker. You do not need a frontier worker permit to claim, or continue to receive benefits, but it may help your claim be dealt with more quickly.

Find out how to apply for a frontier worker permit.

For further information on benefits, contact Jobcentre Plus.

For Child Benefit or tax credits, contact HMRC.

UK workplace pensions

UK law allows for workplace pensions to be paid overseas. The government does not expect this to change because the UK has left the EU.

If you have any questions, contact your pension provider.

If your workplace pension is paid into a UK bank account, your bank should contact you if they need to change the way you receive your pension because the UK has left the EU.

Report a complaint to the Independent Monitoring Authority for the Citizens’ Rights Agreements

The Independent Monitoring Authority (IMA) for the Citizens’ Rights Agreements protects the rights of EU and EEA European Free Trade Area (EFTA) citizens in the UK and Gibraltar. The EEA EFTA countries are Iceland, Liechtenstein and Norway.

Its purpose is to monitor how public bodies in the UK and Gibraltar implement and apply the citizens’ rights provisions in the:

The IMA is independent of government.

If you think you have not been treated in accordance with the citizens’ rights provisions of the agreements, you can report this to the IMA for the Citizens’ Rights Agreements.

The IMA cannot resolve individual issues or overturn decisions made about your benefit or tax credit claims. You should send your complaint to the relevant government department.

If you disagree with a decision about your benefit, you can ask for the DWP to look at the decision again (mandatory reconsideration).

If you disagree with a decision about your Child Benefit or tax credits, you should ask HMRC to look again at the decision.

Published 24 January 2020
Last updated 1 July 2021 +show all updates

  1. Removed reference to the deadline of 30 June 2021 to apply for settled or pre-settled status under the EU Settlement Scheme. Added advice to make a late application to the scheme as soon as possible.

  2. Added guidance for frontier workers.

  3. Added information about reporting a complaint to the Independent Monitoring Authority (IMA) for the Citizens’ Rights Agreements.

  4. Updated the content to reflect that the EU Transition Period has ended.

  5. Under 'Moving to the UK from 1 January 2021', clarified that you need to be covered by the Withdrawal Agreement to use social security contributions made in the EEA or Switzerland by 31 December 2020 to help you qualify for a UK State Pension.

  6. First published.

Contents
Benefits and pensions for EEA and Swiss citizens in the UK (2024)

FAQs

Benefits and pensions for EEA and Swiss citizens in the UK? ›

You will still be eligible for a UK State Pension

UK State Pension
The full new State Pension is £203.85 per week. The only reasons you can get more than the full State Pension are if: you have over a certain amount of Additional State Pension. you defer (delay) taking your State Pension.
https://www.gov.uk › new-state-pension › what-youll-get
as long as you meet the qualifying conditions. If you have made social security contributions in the EEA or Switzerland by 31 December 2020 and you are covered by the EU Withdrawal Agreement
Withdrawal Agreement
Brexit withdrawal agreement. Agreement on the withdrawal of the United Kingdom of Great Britain and Northern Ireland from the European Union and the European Atomic Energy Community. United Kingdom (UK) European Union (EU) and Euratom. Type.
https://en.wikipedia.org › wiki › Brexit_withdrawal_agreement
, you can still use these to help you qualify for a UK State Pension.

Do all UK residents get a pension? ›

The State Pension is a regular payment from the government most people can claim when they reach State Pension age. Not everyone gets the same amount. How much you get depends on your National Insurance record. For many people, the State Pension is only part of their retirement income.

Can you claim pension from 2 countries? ›

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.

How many years do I have to work in the UK to get a pension? ›

You'll need 35 qualifying years to get the full new State Pension. You'll get a proportion of the new State Pension if you have between 10 and 35 qualifying years. You have 20 qualifying years on your National Insurance record after 5 April 2016.

Can I claim UK pension and US social security? ›

The agreement between the two nations allows these individuals to still obtain a benefit. In this case, the US and UK benefits will each pay out pro-rata based on the time spent working (i.e. accruing credits) in each jurisdiction.

Can I get pension if I never worked in UK? ›

You can also be able to claim a State Pension if you have never worked by applying through your spouse or civil partner. You can inherit or increase a State Pension if your spouse or civil partner dies or has died, Money Helper states.

Who is eligible for pension in UK? ›

You can claim the new State Pension when you reach State Pension age if you have at least 10 years of National Insurance contributions and are: a man born on or after 6 April 1951. a woman born on or after 6 April 1953.

Which country gives the best pension? ›

No 1 | Iceland | The country has the best pension system in the world.

Can I get my pension back if I leave UK? ›

As long as you qualify for the UK State Pension, you'll still receive it even if you move abroad when you retire – and you can still access any workplace or private pensions you have. If you're an EU national who's built up a pension in the UK, you'll still be able to access it or move it to the country of your choice.

Do you lose Social Security benefits if you move to another country? ›

If you leave the U.S., we will stop your benefits the month after the sixth calendar month in a row that you are outside the country. You can make visits to the United States for specific periods of time, depending on how long you've been outside, to continue receiving your benefits.

How much is UK State Pension? ›

The full new State Pension is £203.85 per week. The only reasons you can get more than the full State Pension are if: you have over a certain amount of Additional State Pension. you defer (delay) taking your State Pension.

What happens if you don't have a pension UK? ›

review your situation

Remember, the state pension is available to everyone. If you've failed to meet your minimal National Insurance contributions, you will be given a basic state pension of £130 that can be topped up.

How much will I get when I retire UK? ›

You can check how many years you have on the government website. From 10 April 2023, the maximum amount that you can receive went up to £10,600 over the year, or almost £203.85 a week. That's an increase from £9,600 in the previous tax year (£185.15 a week).

Can a retired US citizen move to the UK? ›

Key Takeaways. Americans need to qualify for a visa before making a permanent move to retire in the U.K. Although the U.K. is expensive, prices are more reasonable if you choose to retire outside of London. American ex-pats can't join the U. K.'s National Health Service.

How do I claim my UK pension if I live in USA? ›

To claim your pension, you can either:
  1. contact the International Pension Centre.
  2. send the international claim form to the International Pension Centre (the address is on the form)

Do I have to pay UK tax on a US pension? ›

If you live abroad but are classed as a UK resident for tax purposes, you may have to pay UK tax on your pension. The amount you pay depends on your income. If you're not a UK resident, you don't usually pay UK tax on your pension. But you might have to pay tax in the country you live in.

What happens if you have no pension UK? ›

Remember, the state pension is available to everyone. If you've failed to meet your minimal National Insurance contributions, you will be given a basic state pension of £130 that can be topped up.

How many people in the UK don't have a pension? ›

The Financial Lives survey of 13,000 consumers by the FCA, the biggest of its kind, found that 31% of UK adults have no private pension provision and will have to rely entirely on the state in their retirement.

Do you legally have to have a pension UK? ›

All employers must offer a workplace pension scheme by law. You, your employer and the government pay into your pension.

How much pension do UK citizens get? ›

The full new State Pension is £203.85 per week. The only reasons you can get more than the full State Pension are if: you have over a certain amount of Additional State Pension. you defer (delay) taking your State Pension.

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