triple lock | Ross Naylor

Expat State Pension guide (2025/2026 update)

Understanding the Expat State Pension is crucial for British expats who are living abroad. As a British expat, it’s important to know how the UK state pension works and how it affects your retirement planning, ensuring you receive the full benefits you’re entitled to.

Is this the end for the Triple Lock?

Currently, those who are in receipt of UK State Pension and resident in the UK or certain overseas jurisdictions, are protected by something known as the “triple lock”.

Expat pensions after Brexit – What can we expect?

For better or worse, we now know that Brexit is definitely going to happen (or has already happened if you are reading this after 31st January 2020). As a result, I want to look at how expat pensions might be affected now that Brexit “is done”. In particular, I will review the potential implications for expats who have UK pensions and who have already retired or plan to retire in the EEA.