Pension for Filipina wife, advice please

what does proof of life actually involve ? Plenty of scope for creativity i imagine.

Ahhh... what do they actually do ?

Ask you to take a picture with todays newspaper or something?

You get a form to fill in (PROOF OF LIVING) then you send it back signed that You are still alive. lol

Philippines least ways a couple of years ago, was one of the easiest countries in the world to fake a death for an insurance claim, genuine death certificate,so I guess proof of life would be far easier.

i wonder how many millions ££ are paid out each year in pensions to Brits retired overseas--and how many of those are long dead.

Actually,she can maximise her pension by continually paying the highest rate contribution,which falls on OFW contributions. AND WITH that,she can avail the highest pension bracket.Let her check this out

In relation to this thread, could I ask those in the know to shed a little light on our own situation please?

We will leave the UK in 2030. I will get a full state pension. My wife will have worked in the UK for 13 years by that point. Can I assume that she will then get around a third of the normal pension? As in 13/35ths - once she reaches whatever the required age will by then be for someone born in 1981?

The second point is - If she, having returned to the Philippines at the age of 49, begins to contribute to the Philippines pension, firstly, how many years of contributions would she need to make in order to get a Filipino pension, and can one set of contributions be counted toward the other?

In short, what's the best possible outcome for her?

Yup, as long as she has 10 qualifying years* in UK she'll get a pro-rata amount of the UK Pension... In order to increase that amount when she goes back to Phils she may be able to pay voluntary contributions to increase that to 14,15 or more years... then obviously the pro-rata amount of the UK Pension would increase.

I did look at paying for the Filipino pension for my wife a while ago and it's not very good - As I remember you also need 10 years contributions in order to claim - Unlike the UK, handily, members of her family can claim it if she doesn't... So, in your wife's opinion, it could be worth doing even if she decides it's not up to much compared to the UK pension.

I didn't do anything about the Filipino Pension for my wife as, one I'm not particularly flush and two she's still quite young and could be working in the UK later and able to 1) qualify for the UK Pension and 2) possibly pay for the Filipino pension herself.

What you might want to investigate further is whether all of those 10 years need to be actual working years... I suspect she might get credit for studying or looking after the children or you if you need care.... Maybe @oss or someone with a working wife in UK will have more information on that.

I am in receipt of a Royal Air Force pension. I have been advised by the Veterans' Department that when I cark it my wife will receive the full pension for three months, and then 22% thereafter unless she remarries.

Were you married to your present wife whilst you were still serving ? I’m ex forces and retired Police and am under the impresssion that both pension cease with me, my wife doesn’t get anything because we married after I retired ? The wife only benefits if you marry whilst still serving ?

This might helphttps://assets.publishing.service.g...20091/AFPS_family_benefits_1975_explained.pdf

This might helphttps://www.yourpensionservice.org.uk/media/1131/pensions-for-partners-a-guide.pdf

Many thanks @Mattecube - sometimes I must spend time researching myself and not listen to ex colleagues! I do know my police pension dies with me under the pension scheme I was in (prior to 2006)(exert attached), because we married after retirement.
But it does appear that the old girl will get something from my past military life !

I would check the police scheme.

My reading of your attachment is different in that as long as married when die then widow will get something. Worth her being aware that in a lot of circumstances then her pension stops on remarriage or cohabitation (detailed definition will depend on pension scheme but have seen listed as living with someone for two or more years).

Worth a read of the link below.

https://assets.publishing.service.g...hment_data/file/658050/PPS_Members__Guide.pdf

Devil is in the detail so end up having to read through the detail to find out what does and does not apply. This element may apply from the link above may apply. Counterside is that should still get something. Im assuming that mist of your service would be post 1978 but could be wrong

"A widow who married after the officer’s retirement will be entitled to a pension based on the officer’s service after 5 April 1978 only"

If you're not sure, the best thing to do is write/email the Pension Administrators outlining your situation and ask them what you/your wife/your kids will get... in the event that a, b c etc.