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Frozen state pension

January 01, 1970

Frozen state pensions is the practice of the British Government of "freezing" UK State Pensions, (that is, not uprating the amount in line with "Triple Lock" on an annual basis, as is done for residents in the UK), for pensioners who live in the majority of other countries, apart from the European Community countries and other countries with reciprocal agreements with the UK.

Groups that have been lobbying to remove this discrepancy include the Canadian Alliance of British Pensioners (CABP) and British Pensions in Australia (BPIA), which jointly own the International Consortium of British Pensioners (ICBP). There is also an All-Party Parliamentary Group on Frozen British Pensions in the UK Parliament.

Description edit

All British state pensioners receive their pension based on the level of their compulsory and voluntary contributions to the National Insurance Fund. Pensioners resident in Britain, receive an annual uprating known as the "triple lock" – the higher of the increase in CPI (price inflation), average earnings growth, or 2.5%.[1][2] In 2024, the increase was 8.5%.[3] However, if the pensioner moves abroad, the annual uprating depends on where they live, with residents of most countries receiving no annual uprating.[4]

The only other countries in which the UK state pension rises in the same way as UK state pensioners are: the European Union countries (which continued after Brexit[5][6]); Switzerland; Barbados; Bermuda; Bosnia-Herzegovina; Guernsey; Isle of Man; Israel; Jamaica; Jersey; Mauritius; Montenegro; North Macedonia; the Philippines; Serbia; Turkey; and the United States of America.[7]

Most British Commonwealth countries are in the frozen list;[8] including Australia, Canada, South Africa, New Zealand, and India, as well as British overseas territories such as the Falkland Islands. Thailand is also on the list.[9]

Pensioners who return to the UK can get their pension uprated to the full amount by applying to the Department for Work and Pensions, but this rate only applies so long as they are in the UK.[10]

Numbers edit

As of April 2022 the number of pensioners affected is around 492,000, with some of the oldest of these receiving only £30 to £40 a week, instead of the £185.15 full state pension they would be receiving if in the UK or one of the eligible countries. Included among the group of older pensioners missing out are Albert Johnson, a 103-year-old veteran of World War II, and his 95-year-old wife, Mary, who now live in Western Australia.[9][11]

For men born before April 1951 and women before April 1953, the basic State Pension is £169.50 a week from April 2024, if living in the U.K. or an eligible country.[12] However, people who retired in a non-eligible country in 2000, when the full basic rate was £67.50 a week in 2000, will still be receiving the same rate.

A 2021 enquiry by the All-Party Parliamentary Group on Frozen Pensions (one of many APPGs) in the UK Parliament found that one in two of the approximately 230,000 frozen pensioners in Australia were receiving £65 UK pounds or less.[6]

Lobby groups edit

During and since the Carson case, various groups and individuals have been lobbying politicians both in the UK and in the countries in which the pensioners are resident, and petitions have been raised.[13]

There is an international consortium of lobby groups, funded by the member organisations, British Pensions in Australia (BPIA)[14] and the Canadian Alliance of British Pensioners (CABP),[15] funded by the memberships and donations of individual members. BPIA and CABP jointly own the International Consortium of British Pensioners (ICBP),[16] and they liaise with the All-Party Parliamentary Group on Frozen British Pensions (APPG) in the UK Parliament.[17]

As of 2022 Sir Roger Gale, Conservative MP for North Thanet, is chair of the Frozen Pensions APPG.[18] In 2015 he wrote a letter to all parliamentarians inviting them to join the group.[19] There are three vice-chairs from the House of Lords and all major parties are represented among the seven vice-chairs.[18][6]

The APPG submitted a report based on around 800 submissions to Parliament in 2021, stating its concerns about the effects of the policy on British war veterans, former public servants, members of the Windrush Generation who had returned to their country of birth, and many others.[6]

Canada edit

Anne Puckridge, an expatriate living in Canada, who was 93 years old in 2018 when she delivered a petition to Downing Street,[20] is the ambassador of the ICBP as of 2022,[21] and she has been campaigning since 2001 for pension parity.[22] She is a former college lecturer and served as an intelligence officer in the Women's Royal Naval Service during the Second World War.[21]

Australia edit

It was revealed in the 2021 APPG report that the Australian Government had made a series of representations to the British Government over several years, including at Ministerial level, to no avail. The UK frozen pensions policy means that Australia subsidises UK pensioners resident in Australia.[6]

2002 legal challenge edit

Main article: R (Carson) v Secretary of State for Work and Pensions

In April 2002, writer Annette Carson, a UK pensioner resident in South Africa, challenged the policy in the English High Court under the Human Rights Act 1998, but the judge ruled against her, stating in the judgment that the up-ratings issue was a political one, not a judicial one. An appeal to the Court of Appeal (2003) failed, as did an appeal to the House of Lords (2005) and the European Court of Human Rights (2008).[citation needed]

A subsequent referral to the Grand Chamber of the European Court of Human Rights in 2009–2010 said that it did not consider that the applicants, who were resident outside the UK in countries which were not party to reciprocal agreements, were in a relevantly similar position to residents of the UK or of countries which did have such agreements. It, therefore, held (by eleven votes to six) that there had been no discrimination.[7]

References edit

  1. ^ Sewraz, Reena (17 October 2018). "State pension to rise by up to £221 a year in 2019". Which?. Retrieved 4 September 2019.
  2. ^ Thurley, Djuna; Keen, Richard (4 February 2021). "State Pension Triple Lock". House of Commons Library.
  3. ^ "State Pension Increase: Pensioners get another record income boost in April 2024". The Independent UK. Retrieved 11 April 2024.
  4. ^ The Pension Service (July 2002), CF-N-701 7/02, Department for Work and Pensions
  5. ^ Wright, Stephanie (2 February 2021). "British pensioners in EU won't face 'Frozen' pensions". Halo Financial. Retrieved 18 July 2022.
  6. ^ a b c d e Wood, Eileen (3 February 2021). "Significant distress: Pensioners plunged into poverty by morally wrong policy". The Senior. Retrieved 18 July 2022.
  7. ^ a b "Frozen overseas pensions". UK Parliament. House of Commons Library. UK Parliament Briefing Paper. 11 April 2019. − links to PDF of Briefing Paper Number CBP-01457, Frozen overseas pensions, by Djuna Thurley and Rod McInnes
  8. ^ Leaflet NP46, DWP . Archived from the original on 23 June 2007. Retrieved 17 September 2007. Note: no longer available - see "[2015 response to someone enquiring after NNP46" (PDF). 17 April 2014. Retrieved 4 September 2019.
  9. ^ a b Jones, Rupert (25 April 2022). "Frozen pensions: Dunkirk veteran among those losing up to £5,600". The Guardian. Retrieved 18 July 2022.
  10. ^ "State Pension if you retire abroad". UK Govt. website. Retrieved 17 January 2024.
  11. ^ Barker, Sam (20 April 2022). "State pension falls up to £8,000 for Brits abroad despite government top-up". Daily Mirror. Retrieved 18 July 2022.
  12. ^ "The basic State Pension". GOV.UK. Retrieved 11 April 2024.
  13. ^ Jones, Rupert (13 October 2018). "Frozen state pensions: thousands sign protest petition". The Guardian. Retrieved 4 September 2019.
  14. ^ "British Pensions in Australia". British Pensions in Australia. Retrieved 25 January 2022.
  15. ^ "Home". Canadian Alliance of British Pensioners. 23 January 2022. Retrieved 25 January 2022.
  16. ^ "International Consortium of British Pensioners Campaign to unfreeze pensions". International Consortium of British Pensioners. Retrieved 25 January 2022.
  17. ^ "The All-Party Parliamentary Group". Frozen British Pensions. Retrieved 25 January 2022.
  18. ^ a b "Register Of All-Party Parliamentary Groups [as at 15 June 2022]: Frozen British Pensions". www.parliament.uk. 15 June 2022.
  19. ^ "Chairman, Sir Roger Gale MP, invites all parliamentarians to join APPG". Frozen British Pensions. 24 July 2015. Retrieved 18 July 2022.
  20. ^ "Frozen expat pensions: 93-year-old activist heads to Downing Street". BBC News. 24 October 2018. Retrieved 25 January 2022.
  21. ^ a b "Anne Puckridge". International Consortium of British Pensioners. Retrieved 25 January 2022.
  22. ^ Asgari, Nikou (31 October 2018). "Meet the 93-year-old pensions activist". Financial Times. Retrieved 25 January 2022.

Further reading edit

  • "Frozen overseas pensions". UK Parliament. UK Parliament Briefing Paper. House of Commons Library. 11 April 2019.{{cite web}}: CS1 maint: others (link) − links to PDF of Briefing Paper Number CBP-01457, Frozen overseas pensions by Djuna Thurley and Rod McInnes

External links edit

  • International Consortium of British Pensioners
  • All Party Parliamentary Group on Frozen British Pensions (APPG)
  • British Pensions in Australia
  • Canadian Alliance of British Pensioners (CABP)

January 01, 1970
frozen, state, pension, practice, british, government, freezing, state, pensions, that, uprating, amount, line, with, triple, lock, annual, basis, done, residents, pensioners, live, majority, other, countries, apart, from, european, community, countries, other. Frozen state pensions is the practice of the British Government of freezing UK State Pensions that is not uprating the amount in line with Triple Lock on an annual basis as is done for residents in the UK for pensioners who live in the majority of other countries apart from the European Community countries and other countries with reciprocal agreements with the UK Groups that have been lobbying to remove this discrepancy include the Canadian Alliance of British Pensioners CABP and British Pensions in Australia BPIA which jointly own the International Consortium of British Pensioners ICBP There is also an All Party Parliamentary Group on Frozen British Pensions in the UK Parliament Contents 1 Description 2 Numbers 3 Lobby groups 3 1 Canada 3 2 Australia 4 2002 legal challenge 5 References 6 Further reading 7 External linksDescription editAll British state pensioners receive their pension based on the level of their compulsory and voluntary contributions to the National Insurance Fund Pensioners resident in Britain receive an annual uprating known as the triple lock the higher of the increase in CPI price inflation average earnings growth or 2 5 1 2 In 2024 the increase was 8 5 3 However if the pensioner moves abroad the annual uprating depends on where they live with residents of most countries receiving no annual uprating 4 The only other countries in which the UK state pension rises in the same way as UK state pensioners are the European Union countries which continued after Brexit 5 6 Switzerland Barbados Bermuda Bosnia Herzegovina Guernsey Isle of Man Israel Jamaica Jersey Mauritius Montenegro North Macedonia the Philippines Serbia Turkey and the United States of America 7 Most British Commonwealth countries are in the frozen list 8 including Australia Canada South Africa New Zealand and India as well as British overseas territories such as the Falkland Islands Thailand is also on the list 9 Pensioners who return to the UK can get their pension uprated to the full amount by applying to the Department for Work and Pensions but this rate only applies so long as they are in the UK 10 Numbers editAs of April 2022 update the number of pensioners affected is around 492 000 with some of the oldest of these receiving only 30 to 40 a week instead of the 185 15 full state pension they would be receiving if in the UK or one of the eligible countries Included among the group of older pensioners missing out are Albert Johnson a 103 year old veteran of World War II and his 95 year old wife Mary who now live in Western Australia 9 11 For men born before April 1951 and women before April 1953 the basic State Pension is 169 50 a week from April 2024 if living in the U K or an eligible country 12 However people who retired in a non eligible country in 2000 when the full basic rate was 67 50 a week in 2000 will still be receiving the same rate A 2021 enquiry by the All Party Parliamentary Group on Frozen Pensions one of many APPGs in the UK Parliament found that one in two of the approximately 230 000 frozen pensioners in Australia were receiving 65 UK pounds or less 6 Lobby groups editDuring and since the Carson case various groups and individuals have been lobbying politicians both in the UK and in the countries in which the pensioners are resident and petitions have been raised 13 There is an international consortium of lobby groups funded by the member organisations British Pensions in Australia BPIA 14 and the Canadian Alliance of British Pensioners CABP 15 funded by the memberships and donations of individual members BPIA and CABP jointly own the International Consortium of British Pensioners ICBP 16 and they liaise with the All Party Parliamentary Group on Frozen British Pensions APPG in the UK Parliament 17 As of 2022 update Sir Roger Gale Conservative MP for North Thanet is chair of the Frozen Pensions APPG 18 In 2015 he wrote a letter to all parliamentarians inviting them to join the group 19 There are three vice chairs from the House of Lords and all major parties are represented among the seven vice chairs 18 6 The APPG submitted a report based on around 800 submissions to Parliament in 2021 stating its concerns about the effects of the policy on British war veterans former public servants members of the Windrush Generation who had returned to their country of birth and many others 6 Canada edit Anne Puckridge an expatriate living in Canada who was 93 years old in 2018 when she delivered a petition to Downing Street 20 is the ambassador of the ICBP as of 2022 update 21 and she has been campaigning since 2001 for pension parity 22 She is a former college lecturer and served as an intelligence officer in the Women s Royal Naval Service during the Second World War 21 Australia edit It was revealed in the 2021 APPG report that the Australian Government had made a series of representations to the British Government over several years including at Ministerial level to no avail The UK frozen pensions policy means that Australia subsidises UK pensioners resident in Australia 6 2002 legal challenge editMain article R Carson v Secretary of State for Work and Pensions In April 2002 writer Annette Carson a UK pensioner resident in South Africa challenged the policy in the English High Court under the Human Rights Act 1998 but the judge ruled against her stating in the judgment that the up ratings issue was a political one not a judicial one An appeal to the Court of Appeal 2003 failed as did an appeal to the House of Lords 2005 and the European Court of Human Rights 2008 citation needed A subsequent referral to the Grand Chamber of the European Court of Human Rights in 2009 2010 said that it did not consider that the applicants who were resident outside the UK in countries which were not party to reciprocal agreements were in a relevantly similar position to residents of the UK or of countries which did have such agreements It therefore held by eleven votes to six that there had been no discrimination 7 References edit Sewraz Reena 17 October 2018 State pension to rise by up to 221 a year in 2019 Which Retrieved 4 September 2019 Thurley Djuna Keen Richard 4 February 2021 State Pension Triple Lock House of Commons Library State Pension Increase Pensioners get another record income boost in April 2024 The Independent UK Retrieved 11 April 2024 The Pension Service July 2002 CF N 701 7 02 Department for Work and Pensions Wright Stephanie 2 February 2021 British pensioners in EU won t face Frozen pensions Halo Financial Retrieved 18 July 2022 a b c d e Wood Eileen 3 February 2021 Significant distress Pensioners plunged into poverty by morally wrong policy The Senior Retrieved 18 July 2022 a b Frozen overseas pensions UK Parliament House of Commons Library UK Parliament Briefing Paper 11 April 2019 links to PDF of Briefing Paper Number CBP 01457 Frozen overseas pensions by Djuna Thurley and Rod McInnes Leaflet NP46 DWP DWP Internal Standards and Guidance FOI Archived from the original on 23 June 2007 Retrieved 17 September 2007 Note no longer available see 2015 response to someone enquiring after NNP46 PDF 17 April 2014 Retrieved 4 September 2019 a b Jones Rupert 25 April 2022 Frozen pensions Dunkirk veteran among those losing up to 5 600 The Guardian Retrieved 18 July 2022 State Pension if you retire abroad UK Govt website Retrieved 17 January 2024 Barker Sam 20 April 2022 State pension falls up to 8 000 for Brits abroad despite government top up Daily Mirror Retrieved 18 July 2022 The basic State Pension GOV UK Retrieved 11 April 2024 Jones Rupert 13 October 2018 Frozen state pensions thousands sign protest petition The Guardian Retrieved 4 September 2019 British Pensions in Australia British Pensions in Australia Retrieved 25 January 2022 Home Canadian Alliance of British Pensioners 23 January 2022 Retrieved 25 January 2022 International Consortium of British Pensioners Campaign to unfreeze pensions International Consortium of British Pensioners Retrieved 25 January 2022 The All Party Parliamentary Group Frozen British Pensions Retrieved 25 January 2022 a b Register Of All Party Parliamentary Groups as at 15 June 2022 Frozen British Pensions www parliament uk 15 June 2022 Chairman Sir Roger Gale MP invites all parliamentarians to join APPG Frozen British Pensions 24 July 2015 Retrieved 18 July 2022 Frozen expat pensions 93 year old activist heads to Downing Street BBC News 24 October 2018 Retrieved 25 January 2022 a b Anne Puckridge International Consortium of British Pensioners Retrieved 25 January 2022 Asgari Nikou 31 October 2018 Meet the 93 year old pensions activist Financial Times Retrieved 25 January 2022 Further reading edit Frozen overseas pensions UK Parliament UK Parliament Briefing Paper House of Commons Library 11 April 2019 a href Template Cite web html title Template Cite web cite web a CS1 maint others link links to PDF of Briefing Paper Number CBP 01457 Frozen overseas pensions by Djuna Thurley and Rod McInnesExternal links editInternational Consortium of British Pensioners All Party Parliamentary Group on Frozen British Pensions APPG British Pensions in Australia Canadian Alliance of British Pensioners CABP Retrieved from https en wikipedia org w index php title Frozen state pension amp oldid 1221172275, wikipedia, wiki, book, books, library,

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