When I first started to think about the pension I did a bit of information gathering. One chap, on one of the expat forums said that I needed to take a copy of my "vida laboral," my work history, and my British National Insurance Number to a Spanish Social Security Office. Once there, through the wonders of information technology, the Spanish Office would have access to my UK history and everything would be sorted in a jiffy.
Using my Spanish digital signature, I booked an appointment at the Social Security Office (INSS) in Elda and applied online for my work history which was posted to me as hard copy. From my British Personal Tax Account I was able to get my UK pension start date and an official looking National Insurance number.
The Social Security Office was a haven of peace and tranquillity at 10am in the morning. As I tapped my appointment code into the machine by the entrance I noticed there were just two people working. Each had a customer. Otherwise there was me and the security guard in view. I clutched my deli counter type number and watched the screen. I only waited a few minutes. The man who interviewed me was wearing a snood.
I told him I was coming up on 65 and that my UK pension was due a few months after that. Once we'd established who I was and that I'd worked in Spain as well as the UK he turned to his computer. He didn't need my Spanish work history as he had it on his screen. He confirmed that I would get a pension paid proportionately by each government - 30 plus full years in the UK and a bit over 6 full years in Spain so the ratio would be one to five or thereabouts but paid through the Spanish system. He seemed to suggest that I'd get the full pension.
Now that he was reasonably sure I was in the right place at the right time he gave me a long, long form to fill in and sent me off to a table in the foyer to do it. Most of the form was about my dependents, other allowances that I may want to claim, about my partners income (but, as we are living o'er brush, that doesn't count!), how much money I had stashed away in offshore accounts and the like. I'm a simple man with a simple lifestyle so all I really had to give were name and address type information, full bank account details (down to things like BIC and IBAN codes) and a detailed work history. Even then it took me about forty minutes to complete the form, maybe longer. Like all official forms I wasn't sure what it all meant and some of my answers were guesswork - who remembers how many months they were unemployed forty plus years ago? There were some technical words that were a bit tricky to translate on the form too but not many. Just an aside. Spanish funcionarios, local government workers and civil servants, are notorious for having two hour long breakfast breaks. The chap who was interviewing me put on his coat and went out while I was wrestling with the form; fifteen to twenty minutes later he was back. Just enough time for a quick coffee.
The form completed there was a short wait before I got back to the original desk. Generally I just sat there while my man copied the information from my hand written form onto his computer. I told him some of it was guesswork but he said that was fine. After quite a lot of tap tap tapping he printed out a copy of what I'd completed and told me that was it. If anyone needs anything they'll get in touch he said but he added that it all looked pretty straightforward. He also confirmed that, having worked in Spain, my healthcare entitlement was good to the day I die without any reference to my UK history.
Retirement date 30th April 2019.
