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Swedish pension for old Brit?

How does it work?

vivientoft
post 8.Sep.2013, 08:31 PM
Post #1
Joined: 1.Dec.2011

Pensions Myndigheten have contacted us about receiving a Swedish state pension.
We queried this and have been told that anyone can receive a Swedish state pension if they have been here a year before their 65th birthday. (Husband misses it by a few months, but I will qualify by my 65th birthday).
I would like to know whether this is as well as a UK pension. I'm getting the feeling that this is the case from other threads. The problem is other posters are often discussing occupational pensions, rather than just state pension.
I'm assuming it would be just a percentage of a basic pension and subject to Swedish tax.
PM seem willing to answer questions, but only exactly what you ask rather than offering a full explanation.
Apologies to everyone if this has 'been done to death' in earlier threads.
Tack för hjelpen!
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AgeOfReason
post 9.Sep.2013, 08:55 AM
Post #2
Location: Stockholm
Joined: 1.Sep.2013

There is a pensions agreement between EU countries, you need to contact each member state that you have paid social contributions in. eg. UK and Sweden. And also inform Sweden pension authority of the different member states you have lived in, sometimes they can gather it all together into a single payment.

Sweden's basic state pension is based upon 40 years of contributions, and deductions are made if you do not reach the 40 year timespan at a rate of 1/40th per year under 40 years paying contributions. eg. if you have lived in Sweden and social contributions have been made for 10 years, you are only entitled to 10/40ths (25%) of the basic pension from Sweden. The other parts should be paid by other EU member states where you have paid into the social schemes.

The total pension is then calculated, Sweden has a minimum amount that pensioners should receive, if once adding up your total pension it comes below that minimum it is likely you are entitled to a top-up amount that will take it to the minimum level.

The most important part of this is to make sure you contact prior to pensionable age (if I remember correctly 6 to 12 months prior) not only Swedens pension authority, but also any other country that you have paid contributions in.
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Mesost
post 9.Sep.2013, 06:19 PM
Post #3
Joined: 10.May.2006

and if one HASN'T contributed?
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Donut
post 9.Sep.2013, 07:54 PM
Post #4
Joined: 18.Mar.2008

You still get minimum level pension
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Essingen
post 9.Sep.2013, 07:54 PM
Post #5
Joined: 2.Nov.2008

"I'm assuming it would be just a percentage of a basic pension and subject to Swedish tax."

Your UK pension is also subject to Swedish tax...but you can deduct any tax that has been previously paid in the UK.
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AgeOfReason
post 11.Sep.2013, 08:28 AM
Post #6
Location: Stockholm
Joined: 1.Sep.2013

Once you have totalled all your pensions from other sources together, if you do not meet the Swedish minimum amount for living you should apply to the local kommun for social assistance in terms of housing benefit and top-up to the minimum level for existance in Sweden.

For any country that your pension comes from you will need to check the double taxation agreement between Sweden and that country to see whether your pension is taxed in source country, sweden or both (ie. if taxes lower in source country you pay there and top up tax to swedish levels here). Some pensions are taxed at source, it is common in europe that the agreements include special conditions for pensions earned from civil service.

It is worth checking beforehand, to avoid issues, depending upon when you came to Sweden and what permit you have or did you use the Right of Residence? If you do not have permanent right of residence before you reach pension age, check carefully, since a condition of right of residence based upon person of own means (eg. income from pension) does have the requirement of not being a burden upon the welfare state, having not enough pension to reach the minimum existance level in sweden will mean that you do not meet the requirement for person of own means and therefore do not meet the conditions for Right of Residence.
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Essingen
post 11.Sep.2013, 03:05 PM
Post #7
Joined: 2.Nov.2008

QUOTE
Some pensions are taxed at source, it is common in europe that the agreements include special conditions for pensions earned from civil service.

...which is an obsenity.
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