The headlong dash

In the olden days, when we British men reached 65 we could retire. Before I left the Sceptred Isle I checked with the pension people. Yes, I was OK, I'd paid enough into the system to be entitled to a full state pension when the time came. That's not true any more. Thank goodness for that Y chromosome though. Back in those same olden days women got their pensions at 60. As a man my first payment has only been pushed back a few months, not five years. Like the British scheme the Spanish pension system is creaking. Can you imagine the scenes at the government Christmas party when the health people are ostracised by the pension people? Are you the the idiots who are keeping all those old people alive?

I was reading the news last night and there was an article about pensions. It mentioned that the process of claiming is very long winded and it suddenly struck me that maybe I should be getting started. After all I've worked for most of the time that I've been here. I'm not sure what my entitlement is to a Spanish pension. I know that, as an EU citizen any pension earned in one country is added to any pension earned in another EU country. Now, exactly as in the UK, the Spanish Government is pushing up the retirement age. It was headline news  a few years back but if I ever knew the detail I've forgotten it. Fortunately Google knows everything. Since 2013 the date has been moving upwards, a month for a year. The start point was 65 so, this year it's got to 65 years and 6 months. Next year the move upwards will gain momentum and go up by two months a year until it will supposedly stabilise at 67. My pension year is 2019 with a birthday in January so I'll be able to claim a Spanish pension at 65 years and 8 months. I should get the British one at 65 years and 4 months.

To get a full Spanish pension you have to work 35 years and you have to do at least 15 years to get even a percentage of the pension. With a first, cursory, read of the pension information on the web I think that Spanish definition means the sum of my European Union working life. So I presume that I'll be well over the 35 years because I did nearly that in the UK and I've been here now for 14 years. It may be, of course, that as I don't have 15 years in Spain I'll get nothing here but I don't think that's how it works.

Whatever happens I presume my UK pension is relatively safe but it may not be. My Spanish work history may be the problem. I've never worked long hours and I've never had a decent salary here. On top of that most of the time my employers have fiddled the Social Security to reduce their payments. It's just possible that the aggregate of my British and Spanish pensions may be dragged down by my pathetic Spanish earnings. And, of course, there is always the uncertainty added in by Brexit.

To claim either or both pensions I, currently, have to go to the pension office in the country I last worked in and that's here, in Spain. So, even though the majority of my payments were made in the UK my pension will be paid in Spain through the Spanish system or at least that's what my very cursory late night reading, last night, suggests. I'm not quite sure how the mechanics of that will work, in the sense of who actually stumps up the cash but, to be honest, I don't really care so long as someone does. What I'll have to do is to read some stuff on the Internet so I have some clue about the theory of how it works and than I'll have to go and talk to some real people in an office to see how it actually works.

I'm having a bit of a trough Spanish language wise at the moment and the thought of ploughing through turgid government websites and dealing with lots of government offices does not exactly fill me with joy. There's money at stake though so, time to get reading I suppose.