Advertisement
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?

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.

Advertising helps fund Big Issue’s mission to end poverty
Advertisement

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

Advertising helps fund Big Issue’s mission to end poverty

HELP VENDORS KEEP WORKING THROUGH THE COLD

For £36.99, help a vendor stay warm, earn an extra £520, and build a better future.
Grant, vendor

Recommended for you

Read All
What Spain's migration decision means for the UK
A Spanish flag flying in the street.
Dr Allan Njanji

What Spain's migration decision means for the UK

Mike Soutar: Employers are sitting on their hands when it comes to hiring. How can we change that?
Big Issue ambassador Mike Soutar.
Mike Soutar

Mike Soutar: Employers are sitting on their hands when it comes to hiring. How can we change that?

Why don't people just get a job? The answer is far from simple
The green job centre plus sign hangs above a wet and dirty concrete architrave
Juliette Flach

Why don't people just get a job? The answer is far from simple

A new kind of politics is coming our way
John Bird

A new kind of politics is coming our way

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 payments: Where to get help in 2025 now the scheme is over
next dwp cost of living payment 2023
3.

Cost of living payments: Where to get help in 2025 now the scheme is over

Citroën Ami: the tiny electric vehicle driving change with The Big Issue
4.

Citroën Ami: the tiny electric vehicle driving change with The Big Issue