weesquaw79

jumping on this thread out of interest - so many of us will still be quite young when we've migrated e.g. I am 35. I just looked at those calculators you recommended. I've worked since 19 up until 3 years ago when I moved to Oz and then stopped paying NI. Never been on benefits etc. State pension age is 68 and you get 60.32 GBP a week - is this the norm amount??? I am not sure what I am meant to be comparing/looking at here! Also...it says I've made 16 years of contribs and have 32 years left that I can pay on....question is....do I continue to make contribs and how do I do it, how much and what difference will this make?? to the 60.32 figure if any??? can I also make up the 3 years I've missed so far? Probably silly questions - sorry!

Hi All Funny to find myself back on here 3+ years after making the move...however After having a bit of a gut out of paperwork over the weekend - came to the HORRIBLE realisation that we have continued to pay critical illness and term (mortgage) insurances since we left and the policies do not cover you if you are out with UK longer than 6 months. To say this has been a small fortune is an understatement. Our financial advisor knew we moved out here - yet said nothing, suggested nothing not even for us to check and my complete own fault - it never even crossed my mind that I wouldn't be covered from a residency perspective. Is there any one on here who can offer advice - would appreciate it. Would be happy to scan in the policy wording if anyone thinks there is anything we can do. I am now needing to start looking at what happens regarding NI, pensions bla bla bla...HORROR Cheers