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Re: Auto entrepreneur and pension

Foxie said: Yes the pension is funded by the country where you paid the cotis but the entire amount is actually 'paid' as in handed to you one country.

Don't be sorry you spoke, at all.

It is just that this is important and should be clear.

Our situation is that we live in the UK. We moved back here three years prior to the french pension starting and that started four years ago, and we had to apply for it via Newcastle. Newcastle pensions dept then had no more to do with it. They don't know how much is paid or anything more about it and probably never will. 

The french pension is paid every single month, goes into our french bank account, as we have never requested it do other than that. The CNAV and complementaire and our french bank and CPAM all know that we live in the UK. As we still pay cotisations in France on this pension, then the S1(E121) dept in Newcastle require a french S1.


It is my belief that say someone works or even runs a b&b/gite etc for X years in France, paying cotisations, then IF they remain in France, then no matter that they may get a full UK pension, the pension obtained from their french entreprise will take precedence over the UK pension. The consequences being that the UK is under no obligation to issue an S1, (so cheaper for the UK) and that the person remains in the french health system via their work/ business. They will have to pay whatsoever cotisations they need to on their french pension.

If one does not claim a french pension due and then remains in France and claims an S1 from the UK, just how does that work legally? I would rather like to know.

And I cannot remember, but I thought that the pension systems were in touch with one another anyway, we certainly had all the NI contributions paid in the UK included, so that the french pension people could work out a a comprehensive working life. And then we were paid pro rata on the years actually paid in France. I cannot remember asking the french pension people to get in touch with the UK, at all, I cannot, but I wouldn't stake my life on it!Big Smile [:D]

I certainly know what does and will happen to us. IF I have any of the rest wrong, please show me the textes where it is clearly shown.

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Re: Auto entrepreneur and pension

Just speaking from my own experience my UK retirement pension is based on my NI contributions over my working life. I also get a a Swedish pension based on my contributions when I was working there. My application for the Swedish pension was made via the DWP in Newcastle and took about 3 months to be processed. I now receive one payment a month from the UK and another payment from Sweden.

This would confirm what Norman has said. I don't know how the actual amounts were calculated so I will stay out of that decision but I believe that Idun is correct
"There are some causes worth dying for - there are no causes worth killing for" Albert Camus
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Re: Auto entrepreneur and pension

 Foxie wrote:
idun - I agree, my point really was that if AE earnings added up to just a few trimestres, it might be better not to claim it at all - you're not obliged to. If you don't ask for it, they won't chase you to pay you it. Yes the pension is funded by the country where you paid the cotis but the entire amount is actually 'paid' as in handed to you one country. As no doubt Norman has explained, and I'll no doubt get slapped down again if I say any more so I won't. Sorry I spoke ;) Friendly forum, this !


It is ...very, but please use look at what has been explained before, and read it before muddying the waters with inaccuracies.

That was what lead to the acrimonious demise of a certain other Forum.

The fact that an opinion has been widely held is no evidence whatever that it is not utterly absurd; indeed in view of the silliness of the majority of mankind, a widespread belief is more likely to be foolish than sensible.
- Bertrand Russell
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Re: Auto entrepreneur and pension

Oh goodness here we go again.

There are separate issues here.

I) Where you do the paperwork to apply for your pension.
Technically this is in the last country you worked in (assuming you are still living there)

2) Who pays.  As explained by the site of both countries your contributions are totalled
First to see if you have enough to qualify for a pension (for example 30/35 years, (or 160  trimestres in the French system)
and second to work out the proportion each country pays.

That is the theory, but as Rabbie and I have found out sometimes it works out that the UK gives you an OAP and another country gives you one or more small ones based on your service.

3) Who pays for your health care?
If you live in a country that is paying you a pension even the smallest one that country is responsible for your health care (this gets wooly in France because in practice if your pension is so small that it is offered in one lump sum payment  France seems to ignore it)

If you have worked in other countries but live in one from which you don't receive a pension, then it is the one who pays the biggest pension that is responsible through the S1 system



The fact that an opinion has been widely held is no evidence whatever that it is not utterly absurd; indeed in view of the silliness of the majority of mankind, a widespread belief is more likely to be foolish than sensible.
- Bertrand Russell
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Re: Auto entrepreneur and pension

The waters can get muddied by the fact that some EU countries have different pension ages than others. I got my UK pension when I was 65 but could not get my Swedish pension until I was 67. As pension ages seem to be constantly changing i imagine things will get more complicated rather than simpler
"There are some causes worth dying for - there are no causes worth killing for" Albert Camus
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Re: Auto entrepreneur and pension

Rabbie, I don't think it gets more complicated really.

We just have to keep up with each new rule regarding pensions. So if we do, we should know the age we can get a pension from the countries paid in to. Take what is due and abide by the rules at that particular point in time and acknowledge that they could change with a new pension payment.



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Re: Auto entrepreneur and pension

Be careful not to end up without health cover in between closing down the business and being eligible for cover via your pension - either from the UK via S1 or from France given you have enough trimestres.

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Re: Auto entrepreneur and pension

Wise words Coquelicot, wise words!

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