Opinion

'Why are we being penalised?': A reader's retirement has brought unexpected hardship

Even if someone has paid tax and NI their entire working lives, they will receive less state pension in their retirement if they move out of the UK. Is the system broken?

A piggy bank and some stacked coins

Your retirement funds might be less than you banked on if you relocate. Image: Gerd Altmann from Pixabay

I am 66 years old and after taking early retirement we moved to India. Initially we were moving backwards and forwards between UK and India, however after Covid, we did come to UK and I advised the Department for Work and Pensions that we are now living abroad. As a result, they deducted my husband’s pension by £200 a month for four months and about £65 the last month.

We were not even consulted, just received letter saying they have overpaid him and it will be deducted. I started my pension last year but it is reduced as we are living abroad. We worked, paid our taxes and NI in the UK. Just because we choose to live abroad why are we being penalised?

Recently I told them we were coming to UK for about 11 weeks and asked them to up our pensions while in the UK. I was told to write to them as they don’t accept emails and also that we should take medical insurance as we are not entitled to NHS. If we have NHS service, we will be charged 150% of NHS charges. This is so unfair as we have paid full NHS stamps and are entitled to health care.

There must be other people in our shoes? People who have never contributed to this country get full benefits and we taxpayers and full NHS stamps payers get nothing. Being penalised for being honest. Hope something can be done to help people like us.

Kusum Thakore

Do you have a story to tell or opinions to share about this? We want to hear from you. Get in touch and tell us more.

Your support changes lives. Find out how you can help us help more people by signing up for a subscription

Support your local Big Issue vendor

If you can’t get to your local vendor every week, subscribing directly to them online is the best way to support your vendor. Your chosen vendor will receive 50% of the profit from each copy and the rest is invested back into our work to create opportunities for people affected by poverty.
Vendor martin Hawes

Recommended for you

View all
Comedian Chloe Petts: 'Dear internet trolls – I'll wear whatever I like'
Chloe Petts

Comedian Chloe Petts: 'Dear internet trolls – I'll wear whatever I like'

Paris Olympics: 'The city is under siege. I just want it all to be over'
Gendarmes outside the Gare de Nord train station in Paris ahead of the 2024 Summer Olympic Games
Robert McLiam Wilson

Paris Olympics: 'The city is under siege. I just want it all to be over'

Dear prisons minister James Timpson… Every prisoner should have the opportunity to be creative
Charity Untold empowers young men in prison to reclaim their story
Dr Lorraine Gamman

Dear prisons minister James Timpson… Every prisoner should have the opportunity to be creative

I'm a union organiser in Coventry. Here's how Amazon's 'union busting' works
Stuart Richards

I'm a union organiser in Coventry. Here's how Amazon's 'union busting' works

Most Popular

Read All
Renters pay their landlords' buy-to-let mortgages, so they should get a share of the profits
Renters: A mortgage lender's window advertising buy-to-let products
1.

Renters pay their landlords' buy-to-let mortgages, so they should get a share of the profits

Exclusive: Disabled people are 'set up to fail' by the DWP in target-driven disability benefits system, whistleblowers reveal
Pound coins on a piece of paper with disability living allowancve
2.

Exclusive: Disabled people are 'set up to fail' by the DWP in target-driven disability benefits system, whistleblowers reveal

Cost of living payment 2024: Where to get help now the scheme is over
next dwp cost of living payment 2023
3.

Cost of living payment 2024: Where to get help now the scheme is over

Strike dates 2023: From train drivers to NHS doctors, here are the dates to know
4.

Strike dates 2023: From train drivers to NHS doctors, here are the dates to know