Applying for an Australian Age Pension in Portugal

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Applying for an Australian Age Pension in Portugal


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Old 30th August 2015, 06:28 AM
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Default Applying for an Australian Age Pension in Portugal

HI everyone

I'm planning to come to Portugal in the next few months, to apply for an Australian Age pension, under the reciprocal Social Security agreement between the two countries.

I would be very much appreciated if anyone who has already been through this process could share there experiences. Is it as simple as it appears to be? I should add that I meet the eligibility criteria for an Australian pension and have a British passport.

Cheers
Fred

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Old 31st August 2015, 01:58 PM
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Can I get this straight? You are British and want to apply for a Portuguese pension through you Australian connection.

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Old 31st August 2015, 07:24 PM
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Why do you want to apply through Portugal - why don't you apply for your pension directly - they will sent your funds to wherever you want these.
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Old 3rd September 2015, 12:46 AM
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Information is available here http://www.humanservices.gov.au/spw/...010-1207en.pdf First few pages in Portuguese and after those you get the English version. Hope it helps. If you are still in Oz then maybe get in touch with Centrelink before you leave.
also this
International Social Security Agreements bit at the end about claiming from outside Oz
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Old 6th September 2015, 06:38 AM
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Thanks for the replies. I'm sorry for the delay in responding as I've been away from home for a few days.
I can understand the confusion my post may have caused. It doesn't seem to make any sense to come to Portugal to claim an Australian pension. However to get an Australian pension it is not sufficient to qualify for it, it is also resident based. I would need to be resident in Australia when I apply. The problem is that I've been living in Thailand for the past 14 years. If I return to Australia they will give me the pension, but insist that I remain in Australia for 2 years. If I leave before 2 years then the pension stops. The only way around this is to apply from a country that has a reciprocal SS agreement with Australia ie. Portugal.
On paper it seems to be a fairly straightforward since as a British citizen I can easily get Portuguese residency. I was just hoping to get feedback from someone who has actually been through the proocess

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Old 6th September 2015, 01:40 PM
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Quote:
Originally Posted by D&M View Post
Information is available here http://www.humanservices.gov.au/spw/...010-1207en.pdf First few pages in Portuguese and after those you get the English version. Hope it helps. If you are still in Oz then maybe get in touch with Centrelink before you leave.
also this
International Social Security Agreements bit at the end about claiming from outside Oz

D&M thank you very much for those links. All makes much more sense

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Old 6th September 2015, 02:08 PM
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Do you have a 35 year Australian Working Life, starting at at least 16 years old? - Outside Australia, your Pension will be reduced after 6 months otherwise, and it will be a bit lower too with the low rate of Pension Supplement and no Energy Supplement.

Can you get comprehensive health insurance for Portugal? May not be able to get a certificate of residency otherwise, which you'd need to apply for an Australian Pension there...and there is no reciprocal Medicare Agreement with Portugal.

Are you looking for DSP or Age Pension?


Last edited by kaju; 6th September 2015 at 02:21 PM.
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Old 6th September 2015, 02:30 PM
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Hi kaju

Thanks for the reply.
Since I left Oz over 14 years ago I'm still covered by the old 25 year Australian Working Life rule. I would probably get the full pension under the 35 year rule anyway. I am also aware of how the pension is reduced outside Australia.
I don't think residency will be a problem since I'm British as well as Australian. and would enter Portugal with my British passport and get residency on that basis.
I am only interested in the age pension.

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Old 6th September 2015, 03:53 PM
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Quote:
Originally Posted by Naaling View Post
Hi kaju

Thanks for the reply.
Since I left Oz over 14 years ago I'm still covered by the old 25 year Australian Working Life rule. I would probably get the full pension under the 35 year rule anyway. I am also aware of how the pension is reduced outside Australia.
I don't think residency will be a problem since I'm British as well as Australian. and would enter Portugal with my British passport and get residency on that basis.
I am only interested in the age pension.

I'm sure you will have checked, although I thought the grandfathering of the old 25 year AWLR only applied to those already getting the Age Pension.

Residency in EU states is available to all EU nationals of course, but they do need to have some sort of health cover. In the case of most retired UK citizens they would have cover if they got a State Pension from the UK, but I imagine you won't have that:

EU regulations state that if you are in receipt of a State Pension from one EEA member state but resident in another, your healthcare should be covered by the state that pays your pension. For example, if you are resident in Portugal but in receipt of a UK State Pension, the UK should cover your healthcare by issuing you with an S1 (previously E121).

Therefore if you reach State pension age while living in Portugal, it will be necessary to request the form S1 from the DWP and hand it to your nearest social security office (Posto de Atendimento da Segurança Social) so that they can change the way you are covered.


from another site:
European Union citizens who have paid regular social security contributions can benefit from public health cover if in possession of a Form S1. The S1 form allows for registration for health care cover to a person living in one EU country and insured in another. It must be obtained from the country where the contributions were made and submitted to the Portuguese services. If state pension age is reached whilst living in Portugal and the pension is to be issued from another EU country, a Form S1 should be requested from the country of origin and submitted to the nearest social security office.

Those not eligible for coverage should expect to pay for any health care services provided, in which case private medical insurance should be obtained.


I'm not familiar with Spain's requirement's but to access State cover in France without an S1, if one's income is over about 9000E you should be able to join after 3 months residence, paying about 8% of your income. Otherwise full private cover is needed.

To register for medical care, you need a Certificate of Registration - your evidence that you are a resident, which you can get after 90 days. Apparently the requirements for that Certificate are:

Valid identity card or passport;
Declaration under oath that the applicant fulfils one of the following conditions:
Has a professional activity as worker or self employed in Portuguese territory;
Has sufficient resources for him/herself and his/her family, as well as a health insurance, if mandatory for Portuguese citizens in the Member State from his/her nationality;
If he/she is registered in a public or private officially recognised school, if proven through a declaration or any other mean of evidence the possession of enough financial resources for him/herself and his/her family, as well as a health insurance, if mandatory for Portuguese citizens in the Member State from his/her nationality
.

It's the same in France - they require evidence that you have medical cover - you can't be a resident without it, from one source or another. I seem to recall that Portugal may take some level of contributions in advance to allow people to access their scheme, but not sure about that.

It may be possible to return to Australia, get the pension after regaining your Australian residency, (although that would likely take six months at least) then go to Portugal without losing the Pension, within the 2 year period - you'd have to ask Centerlink's International Operation Branch, they are very helpful from my experience.

cheers
kaju

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Old 6th September 2015, 06:21 PM
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Portugal has a social security agreement with Australia - have a read

Countries that have International Social Security Agreements with Australia - Department of Human Services

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