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UK and Irish pension

  • 04-03-2009 8:53am
    #1
    Higgsy
    Registered Users, Registered Users 2 Posts: 139 ✭✭


    Hi,

    I had been employed in the UK for the last 6 years, Last year I moved to Ireland and started a new job here. I am trying to understand if I will be entitled to a state pension in both jurisdictions.

    Does anyone know if this is the case or how many years I have to work in Ireland to get the Irish state pension?

    Thanks


Comments

  • #2
    The_Conductor
    Moderators, Society & Culture Moderators Posts: 32,286 Mod ✭✭✭✭The_Conductor


    Higgsy wrote: »
    Hi,

    I had been employed in the UK for the last 6 years, Last year I moved to Ireland and started a new job here. I am trying to understand if I will be entitled to a state pension in both jurisdictions.

    Does anyone know if this is the case or how many years I have to work in Ireland to get the Irish state pension?

    Thanks

    You need 30 years of qualifying National Insurance contributions to qualify for a UK pension at age 65.
    You need 520 qualifying PRSI contributions together with an annual average of 10 contributions to qualify for an Irish contributory Old Age Pension at age 66.

    If you ring the Department of Social and Family Affairs pension section in Sligo on 1890-500-000 they can issue you with a forecast of what they expect your Irish pension entitlements to be.

    Note: Despite the fact that you are no longer resident in the UK- if you claim the occupational pension there- you will be subject to UK Income Tax, and have to make a return of the Irish income. Under EU rules- the Irish superannuation rights (or the UK rights) would be conferred in a supplementary manner to the rights accrued in the other member state in order to enhance a non-full pension in the primary member state.

    Irish pension rules are a lot more strict than UK rules......


  • #3
    Higgsy
    Registered Users, Registered Users 2 Posts: 139 ✭✭Higgsy


    Thanks for your reply.

    Basically if I understand it correctly, if I spend my whole life working in either the UK or Ireland, I will only get the equivalent of one pension, which makes sense.

    Someone told me that if you work a certain number of years in each jurisdiction you where entitled to 2 pensions, as they say if it sounds too good it normally is.

    Thanks a lot for your reply


  • #4
    The_Conductor
    Moderators, Society & Culture Moderators Posts: 32,286 Mod ✭✭✭✭The_Conductor


    Not entirely corrent.

    The intention is that if you have not accrued a full pension in one member state, through working in another- that you can supplement the primary pension with the secondary pension in order to make up the shortfall. It does not limit the supplementary impact of the second pension solely to the maximum amount of the first pension.

    Theoretically it is possible to earn a full pension in more than 1 member state- there are rules governing this (normally the second pension would be considered to be taxable income in the primary member state- but the rules vary).

    If you ring the number in Sligo- they can inform you of your Irish rights.


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