Current Year

22-Aug-19 – The Local (France): LATEST: Your questions answered on a no-deal Brexit

“In a no-deal scenario the government has said it will continue to uprate only until December 31st 2020, after that it will be a case of striking reciprocal agreements with all 27 EU countries.” 

22-Aug-19 – The Guardian: Work until 75? Many people won’t even live that long 

“The pressing issue is not that pensions are too generous – but that they are increasingly hard to get, and far too small. British basic pensions are uniquely low – 16% of average earnings – compared with those of other developed nations”

“Tory peer called raising retirement age to 75 ‘immoral’ while Labour leader called it ‘discriminatory against working class'”

20-Aug-19 – Financial Mirror: Sterling has taken a pounding – don’t go down with it

It has been a chastening experience for British expats, in Cyprus and around the globe, who have taken pride in the fact that a pound has traditionally bought more than one unit of most other currencies.

Now analysts are worried that the world’s fourth most traded currency could fall to parity against the euro and dollar.”

12-Aug-19 – The Majorca Daily Bulletin: Paying the price of Boris

“I have every sympathy with Britons living in the EU who are suffering from the decreasing value in the pound but this devaluation does not just apply to the Euro, it is worldwide and there are more British pensioners living outside the EU (and U.K.) than there are living in the EU. There are 510,000 British pensioners, living mainly in Commonwealth countries, who do not and never have received an annual increase, many now living in poverty and some of whom have been driven to suicide due to the penury forced upon them by the British government.

– John Duffy, Chairman, ICBP (letters to the Editor)

12-Aug-19 – The Sun: PENSION POTHOLE Retired couple may have to sell home of 40 years due to a little-known pension rule

“Barry Pettett, 69, had been collecting national insurance (NI) stamps for years, but has now been told by HMRC that they won’t be accepted because they’re not stuck to an official card”

9-Aug-19 – The Local (Spain): Breaking point: British pensioners in Spain open up about money worries

There is a large community of people in Spain who are reliant on some way in money from the UK. The largest group are pensioners. 

“I buy less , go out less , buy cheaper. I have changed my spending habits and now “only goes out for a meal once every 3 or 4 weeks”.

– Peter Roberts, Pensioner living in Spain

2-Aug-19 – GOV.UK: The Quinquennial Review – GAD takes the long view 

“…we project that without extra support in addition to National Insurance contributions, the Fund balance will fall rapidly to exhaustion in around 2033. Treasury grants would be required from around 2030”

– Government Actuary Department (GAD)

30-Jul-19 – Daily Express: State pension: Could no-deal Brexit affect state pension? ‘Concerns’ for British expats

“As the EU has repeatedly stated, ‘nothing is agreed until everything is agreed’, so the triple-lock and payments from the UK to an EU bank account may be at risk”

-Jason Porter, director of specialist expat financial advisory firm Blevins Franks

29-Jul-19 – Money International: Claiming a UK Pension as an Expat

29-Jul-19 – Brits in Kenya: Campaign fighting to end injustice of frozen pensions for British Expats

25-Jul-19 – Boris Johnson’s Cabinet

23-Jul-19 – Daily Mirror: Why even 39 years of paying NI isn’t enough to guarantee a full state pension

“They say if you pay into the state pension for 35 years, you get £168.60 a week. Except quite a lot of people have been paying in a lot longer and won’t get that much”

23-Jul-19 – Daily Mail: This is Money – Why won’t I get a full state pension after paying NI for 39 years?

23-Jul-19 – Royal London Life: Steve Webb – Topping up your State Pension

18-Jul-19 – Daily Express – State Pension UK: Amount won’t rise for some retirees living overseas – Are you affected?

“I will not give up the fight, either until I die, or until we get our pensions”

– Anne Puckridge, 94, End Frozen Pensions campaigner

10-Jul-19 – The Connexion (France): Brexit Minister to raise rights with EU today

03-Jul-19 – Full This Comparison of Pensions in Different Countries is Misleading

24-Jun-19 – Caymans News Service: CIG faces big week hosting JMC

24-Jun-19 – Would Boris as PM cause even more chaos for British expats in the EU?

20-Jun-19 – Expats Blog: Brit expat retirees advised to choose countries with UK state pension uprates

19-Jun-19 – Lancashire Telegraph: Ribble Valley MP in ‘frozen pensions’ plea to Tory leadership candidates

“The leadership election taking place over the coming weeks will settle not only who leads the Conservative Party, but also who will become the next Prime Minister.
Whoever this may be, they need tackle the issue of frozen pensions head-on, and I hope the frontrunners will make this into an election pledge”.

– Nigel Evans, MP for Ribble Valley

19-Jun-19 – The Local: Brexit: Why won’t the EU act to protect the rights of Britons in Europe?

19-Jun-19 – The Connexion (France): Ring-fence Britons’ Brexit rights – clarification

12-Jun-19 – Daily Express: State pension: Full list of countries where overseas pensioners WILL see payments go up

10-Jun-19 – Daily Express: State Pension frozen overseas: WW2 veteran, 94, vows to never ‘give up the fight’ – Part 2

 Image: Daily Express – Anne Puckridge, 94

“The excuses they [the DWP] give. Firstly it is money. They say that they can’t afford to backdate us. We’re not asking for backdating. The second point they say is they need a bilateral agreement [Freedom of Information request 2013/595 says quite clearly that reciprocal agreements are not required in order to uprate the State Pension]. The third one [the DWP say] is that they can’t afford it [despite the fact that there is a surplus of over £17 billion in the National Insurance Fund. It would cost only £600 million to uprate all of our State Pensions]”.

– Anne Puckridge, 94

9-Jun-19 – Daily Express: State pension frozen overseas: WW2 veteran recalls shock discovery DAYS before leaving UK – Part 1


“No country would treat its pensioners like that! No way would Britain, above all, do that to its fully paid up pensioners.”

– Anne Puckridge, 94

8-Jun-19 –  Business Telegraph: State pension frozen overseas: WW2 veteran recalls shock discovery DAYS before leaving UK

“To cut costs we stopped printing the relevant leaflets.”

– International Pensions Centre, 2012

6-Jun-19 – Lancashire Post: Lancashire MP urges new PM to tackle frozen pensions

“The Department for Work and Pensions (DWP) has estimated that the uprating of pensions would cost around £600m per year, but this cost is meagre compared to the money that the UK saves when pensioners move abroad and do not use our social services or NHS”

– Nigel Evans, MP for Ribble Valley

6-Jun-19 – Daily Express: D-DAY SHAME: How pension of veteran, 96, was FROZEN at £48 a week

“Bernard [Jackson] is a true hero who served the UK in its darkest times. Despite this, the Government didn’t think it fit to give him the full UK state pension he earned”

– Campaign to End Frozen Pensions

5-Jun-19 – Town Close Financial Planning: Why moving abroad can affect your state pension

4-Jun-19 – Daily Express: State Pension age changes for women to face judicial review this week – are you affected?

10-May-19 – The Senior (Australia): Brexit silver lining for UK pensioners?

Image: Jim Tilley, British Pensions in Australia (BPIA)

2-May-19 – Money Marketing: Steve Bee: Will we ever have a state pension system to be proud of?

“Any financial adviser will tell you a pension that does not increase in payment will probably halve in value during a “typical” 20-year retirement…… We need a state pension system that we can both rely on and be proud of, whatever age we are; one that cares for our senior citizens and that quickly puts things right when they go wrong”

– Steve Bee – Director, Jargonfree Benefits

26-Apr-19 – Which?:  Is the future of the state pension triple lock in doubt?

25-Apr-19 – Daily Express:  State pension UK: Lords urge government to scrap triple lock – what does it mean for you?

25-Apr-19 – IPE: Peers call for removal of triple lock on UK state pension

24-Apr-19 – Financial Reporter: Reliance on State Pension at highest level since 1995

24-Apr-19 – Expat pensioners in France under threat of being thrown out due to income requirements 

18-Apr-19 – State pension SHOCK for British expatriates: 510,000 retirees stuck with FROZEN pension

18-Apr-19 – Daily Express: State pension SHOCK for British expats: 510,000 retirees stuck with FROZEN pension

18-Apr-19 – Thai Vision Forum: State Pension (2018)

16-Apr-19 – International Investment: UK lawmakers fight expat frozen pensions policy

“Why do they get the increase in Jamaica but not Trinidad, in the United States but not Canada, and in the Philippines but not Indonesia? It is crazy” 

16-Apr-19 – The fight to repeal expat frozen pensions isn’t over yet

15-Apr-19 – Daily Express: State pension: 510,000 UK pensions frozen if you live here – how much should you get?

14-Apr-19 – The Guardian: Frozen state pensions: MPs call for vote on ‘cruel’ policy

“The government has cynically tied together the unjust freezing of the pensions of 510,000 UK pensioners who paid into the system, many of whom served this country, with increases in important social security benefits,” he said. “This blocks many MPs from joining me in standing against this injustice. This is grossly unfair and against democracy. I firmly believe that MPs deserve a vote on the frozen pension policy and that is why I am praying against this statutory instrument to force the government to allow debate on the issue.”

– Sir Peter Bottomley, MP

13-Apr-19 – This is Money: MPs plan a revolt against rules that hit the pensions of older British citizens living abroad

8-Apr-19 – UK Government: The Social Security Benefits Up-rating Regulations 2019 

“3. Regulation 5 of the Social Security Benefit (Persons Abroad) Regulations 1975(c) (application of disqualification in respect of up-rating of benefit) and regulation 21 of the State Pension Regulations 2015(d) (entitlement to state pension for overseas residents) shall apply to any additional benefit payable by virtue of the Up-rating Order and to any up-rating increase as defined in section 22(1) of the Pensions Act 2014(e) respectively”

6-Apr-19 – Department for Exiting the EU: Citizens’ Rights – UK nationals in the EU Policy Paper 

4-Apr-19 – The Independent: Let Us Vote: New campaign launched to give everyone living in UK the right to vote in elections

3-Apr-19 – Early Day Motion (EDM) 2265

1-Apr-19 – International Investment: Cyprus among the most to lose with Brexit

“At the end of that [transition] period, UK and Cyprus will seek a longer-term bilateral agreement to secure reciprocal healthcare for Britons in Cyprus and Cypriots in the UK,  according to the British High Commission.”

29-Mar-19 – State Pension Erosion – 1987 – 2019

29-Mar-19: Daily Express: State pension UK: Amount will rise next week – reason you may not get increase revealed

“The state pension amount is rising on April 6 2019, but some people won’t reap the increase.

This excludes Canada or New Zealand. This means that some people who have travelled elsewhere to spend their retirement years may not reap the upcoming rise”

28-Mar-19 – The Local (Italy): What would no-deal Brexit mean for Brits in Italy? Here’s what we know so far

19-Mar-19 – The Guardian: No-deal Brexit: UK to pay some health costs of retired Britons in EU 

“The UK government has committed to fund healthcare for UK nationals (and others for whom the UK is responsible) who have applied for, or are undergoing, treatments in the EU prior to and on exit day, for up to one year, to protect the most vulnerable,”

– Stephen Hammond (Health Minister)

15-Mar-19 – Property Investor Today: Brits’ access to healthcare and pensions in Spain guaranteed until 2020 

12-Mar-19 – ABC News (Australia): Brexit offers glimmer of hope to British retirees in Australia with frozen pensions

“And if maybe fraud is too strong a word, but that’s the way it feels. It feels like I’m being defrauded of something I’m actually entitled to.”

– Derek Woodall, retired, but still having to work part-time

11-Mar-19 – UK Government: The Social Security Benefits Up-rating Order 2019

10-Mar-19 – ABC News (Australia): Brexit offers glimmer of hope as Miriam Margolyes joins British retirees’ fight for fair go on pensions

“We expats have contributed to these pensions through the national insurance scheme, we’ve paid our dues there, and we’re simply not getting what we’ve paid for.”

– Retired doctor Don Ingham has seen his UK pension effectively halve in value since he came to this country with his Australian wife in 1970.

8-Mar-19 – Sir Peter Bottomley, MP:  Frozen Pensions Abroad


6-Mar-19 – What Do They Know: Freedom of Information (FOI) 2019/06464

“The Government is committed to reaching an agreement on the UK’s withdrawal from the EU. Under the terms of the EU Withdrawal Agreement, the UK would continue to uprate  pensions to UK State Pensioners in the EU who fall within the scope of the Withdrawal Agreement. Negotiations on a future agreement on social security coordination with the EU are still ongoing and the Government has set out its intention to include uprating of State Pension in this agreement

– Department of Work and Pensions (DWP)

14-Feb-19 – Pensions Age: DWP estimates uprating state pensions in ‘frozen rate’ countries cost at £3bn

“Over half a million people are understandably furious that, having paid into the system and retired abroad, they find their state pensions frozen. Over the course of someone’s retirement this could have a huge impact, potentially costing more than £50,000 in state pension income. For many this might be the difference between living comfortably and struggling to make ends meet”

– AJ Bell Senior Analyst

14-Feb-19 – GOV.UK: Estimated costs of uprating State Pension in frozen rate countries