UK Pensions Abroad

Live in Canada and Previously Worked in the UK?… How to Unlock Hidden Retirement Benefits

Retirement might not be at the forefront of your mind, especially if you’ve moved to Canada to start a new chapter in your life. However, it’s important to keep an eye on your financial future.

If you have worked in the United Kingdom (UK) you may be unaware of the opportunities available to you related to state pension entitlements you might have accrued there, and your ability to buy extra pensionable years even after you’ve left the UK.

In this blog post, we will shed light on this, and on a valuable resource that can help you secure a more comfortable retirement – the Canadian Alliance of British Pensioners. 

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UK Pensions Abroad

Did You Work in the UK for at Least Three Years?

The prerequisites for unlocking these hidden benefits are:

  • having worked in the UK immediately prior to emigrating
  • having worked in the UK for a minimum of three years
  • having paid National Insurance contributions during this period

If you meet these requirements and now reside in Canada, you may be entitled to a UK state pension which you can often enhance by “buying” additional pensionable years where you made no contributions… at a cost that is often cheaper than it would be if you had stayed in the UK.

The British government does not make it easy to discover the ins and outs of this, making it more likely that this money might be forgotten or overlooked.

Currently, the full UK state pension is £10,600 per year. That amount will continue to increase with inflation until you reach pensionable age, so you see how it can significantly contribute to your financial future.

The Canadian Alliance of British Pensioners

Unlocking the potential of your UK state pension while residing in Canada can seem like a daunting task, but don’t worry, because The Canadian Alliance of British Pensioners (CABP) is dedicated to assisting people in Canada who have a current or future UK state pension entitlement.

We can help you learn how to maximize the benefits you earned while working in the UK. Whether you’re already retired, or planning for the future, CABP can be an invaluable resource. Our experts have created guidance that can help you through the necessary steps and paperwork, ensuring you get the most out of your British pension entitlement.

Example: Sanjay’s Story

Let’s consider an example to illustrate the benefits of CABP:

Meet Sanjay, who worked in the UK for a decade before moving to Canada. Initially, Sanjay had no idea about the fact that he would be entitled to a UK state pension, let alone that he could make inexpensive contributions from Canada to enhance its value. It was only after a chance conversation with a friend that he learned about CABP.

Sanjay joined CABP, and they provided him with guidance and support. With this assistance, he was able to access his UK pension information, understand its value, purchase extra pensionable years at low cost, and start building a more secure financial future in Canada. What seemed like an unfathomable process became straightforward with the help of CABP.


Your financial future is a topic worth considering, regardless of where you currently reside. If you live in Canada and have at least three years of work history in the UK, you may have an opportunity to tap into and enhance retirement funds you might not even be aware of. The Canadian Alliance of British Pensioners is here to help you navigate this process, just as they did for Sanjay.

Don’t let your hard-earned UK pension entitlement go to waste when it could be a key element of your retirement in Canada. Take the first step towards unlocking these hidden benefits by reaching out to CABP today. Your future self will thank you for it.

A Little More About CABP

We are a not-for-profit, volunteer-based organization, with a membership fee of CAD $25 per year.

We have two goals:

  1. To educate and assist people who have worked in the UK regarding the UK state pension which they might be entitled to receive.
  2. To lobby the UK Government to end their policy of non-indexation of pension payments based on a pensioner’s country of residence. Please sign the petition by clicking here to support this!

You can find us at:
+1 416 253 6402

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