UK NHS dependent pension. Nat ins question

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UK NHS dependent pension. Nat ins question


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Old 25th March 2020, 06:29 PM
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Default UK NHS dependent pension. Nat ins question

My father was a NHS doctor who moved back to his home country after retiring. He was receiving his NHS pension there for almost 20 years, but just passed away.

His wife (my mother) is trying to claim the NHS dependents pension now. She has also lived out of the UK for nearly 20 years. We are not 100% sure of her national insurance number. When we tried what she *thinks* it is on the government gateway website, it returns a not found error. Though I assume that could be just because there would have been no updates to her record for so long. We are somewhat assuming that she actually had an NI number based on the fact she used to get child benefit.

When we chatted with an HMRC representative online, they couldn't find it either, and asked us to fill out the CA5403 form and wait for a response by mail. This seems like it may take a lot of time, and may or may not be successful. She can't apply for a new NI number since she is not physically in or entitled to work in the UK any longer.

I was wondering whether she should go ahead and make the NHS pension claim using what she thinks is her NI number? If it is mismatched, presumably HMRC would just put her on the emergency tax code of 20%. We are fine with this, but is is allowable to remain on an emergency code long term, or will i cause issues/flags with HMRC? She will be able to claim a foreign tax credit against the UK tax paidwhere we currently live.

So in the end, it would be financially more or less a wash, but I just want to make sure it won't cause complications.

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Old 25th March 2020, 07:37 PM
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You can't presume anything..... the authorities may or may not deny the claim altogether.

You should complete CA5403 to confirm the NI number as requested.

Where is the "home country" From your post it sounds as though your father moved to somewhere (not the UK) and your mother did not? Where is she currently?

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Old 25th March 2020, 07:42 PM
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You can't presume anything..... the authorities may or may not deny the claim altogether.

You should complete CA5403 to confirm the NI number as requested.

Where is the "home country" From your post it sounds as though your father moved to somewhere (not the UK) and your mother did not? Where is she currently?
My father moved back to India. My mother moved around for a few years, eventually moved to the US and is now a US citizen.

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Old 25th March 2020, 08:19 PM
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You can't presume anything..... the authorities may or may not deny the claim altogether.

You should complete CA5403 to confirm the NI number as requested.

Where is the "home country" From your post it sounds as though your father moved to somewhere (not the UK) and your mother did not? Where is she currently?
Good point. I suppose meanwhile I can also *ask the pensions agency if they can proceed without a NI number and use emergency tax codes instead. That may become necessary should there be no record of an NI number found from the CA5403 inquiry.

The pensions agency should have a process for non-resident dependents who do not have an NI number but are otherwise eligible to make a claim.

The analogue scenario in the US would likely be to use an ITIN instead of an SSN.

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Old 25th March 2020, 10:27 PM
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Good point. I suppose meanwhile I can also *ask the pensions agency if they can proceed without a NI number and use emergency tax codes instead. That may become necessary should there be no record of an NI number found from the CA5403 inquiry.

The pensions agency should have a process for non-resident dependents who do not have an NI number but are otherwise eligible to make a claim.

The analogue scenario in the US would likely be to use an ITIN instead of an SSN.
Apart from having no NI number, does your mother have all the other documentation to prove she is eligible to receive NHS dependents pension.?

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Old 25th March 2020, 11:06 PM
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Apart from having no NI number, does your mother have all the other documentation to prove she is eligible to receive NHS dependents pension.?
Well, she has her marriage certificate, birth certificate, and we are waiting on my father's death certificate to be processed in India. Heaven knows how long that will take given that India is under curfew currently, but yes, those are the requested items.

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Old 26th March 2020, 04:06 PM
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Usually on pension documents a beneficiary is named ....

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