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Non-contrib state pension query

  • 01-09-2014 9:48am
    #1
    tk123
    Registered Users, Registered Users 2 Posts: 14,062 ✭✭✭✭


    My dad is self employed and has just scraped through with enough stamps for a contrib pension. My mum on the other hand stopped working when they got married and couldn't work afterwards because my dad didn't pay tax for about 20 years - so couldn't risk drawing attention to him (don't get me started on that!!! :mad:) We reckon she'll get at most around €40 after the means test and she doesn't think there's any point applying. Does she have to apply at all or could there be a situation where it'll be questioned as to why she didn't apply at a later date? She worked from the time she left primary school to when she got married so I'd estimate 10-15 years stamps?

    Genius boy is suggesting she transfer her savings to him as he's not means tested which she doesn't want to do as it's fraud.


Comments

  • #2
    Cushie Butterfield
    Registered Users, Registered Users 2 Posts: 1,862 ✭✭✭Cushie Butterfield


    You're asking an extremely loaded question & one that will hardly be able to be answered here. They may (depending on differing circumstances) have more than one option e.g. your dad applying for a qualified adult increase on his existing pension, your mother qualifying in her own right for contributory depending on employment dates, or your mother qualifying for non-contributory. Means testing has to be allowed for depending on what's being applied for also.

    Seeing as your dad is still self-employed there may also be tax & tax credit implications. Often what may seem to be more advantageous to begin with turns out to be less so when tax comes into the equation.

    Their best bet would be to go to Citizen's Information with exact details of income & savings/investments, tax records, details of your mother's employment record & get them to calculate or advise on their best course of action.

    They may be able to help & if not they may advise them to seek professional advice from an accountant with expertise in social welfare & taxation matters (they can sometimes be hard to find), but if you reckon she would be entitled to €40 per week that would probably cover their fuel costs so it would make sense for her to apply imo.


  • #3
    tk123
    Registered Users, Registered Users 2 Posts: 14,062 ✭✭✭✭tk123


    Cushie Butterfield wrote: »
    You're asking an extremely loaded question

    Agree - it's a mess tbh!


  • #4
    eastbono
    Registered Users, Registered Users 2 Posts: 2,758 ✭✭✭eastbono


    I am presuming the €40 would be as an adult dependant on her spouses claim.They will ask for about 6 months bank statements so no point in transferring money. She would be mad not to apply as €40 is a nice little sum. She should also apply for the contributory pension and see what she may or may not qualify for.


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