State pension and moved abroad (EU)

snaps

Its a few years off yet but I have to start thinking about the future. Things are much different here in Poland compared to Ireland so I'm hoping for some advice.
I'm 44 years old, worked 13 years in the UK and 14 years in Ireland (Full time).
As far as I can work out here in Poland there is no state pension as such, so I'm wondering that in current conditions when I become a pensioner in many years time, will I be able to claim a pension from Ireland?

I'm dual citizen UK/Irish if it means anything.

As far as I know I have 14 years of PRSI paid and I don't think anything was transferred in regards to my NI contributions from UK when I moved to Ireland in 1998, apart from a UK tax rebate for 1998.

Any advice or direction appreciated so I can make plans for the future here.

mp22

Normal average rule

The normal average rule states that you must have a yearly average of at least 10 appropriate contributions paid or credited from the year you first entered insurance or from 1953, whichever is later to the end of the tax year before you reach pension age (66). An average of 10 entitles you to a minimum pension; you need an average of 48 to get the maximum pension.


This will be the part you will have to look at carefully.ie have you enough stamps paid now to get 10 per year when you reach the age of 65



From here http://www.citizensinformation.ie/en/social_welfare/social_welfare_payments/older_and_retired_people/state_pension_contributory.html

Mellowbird

Thanks for the link, very informative. I had calculated what I am entitled to so far based on the number of years I've worked, and then I saw later on below the proposed changes in 2020, so had to calculate all over again

haveringchick

Don't forget it's highly likely given the current economic crisis that going forward , future Irish governments will make further changes to yhe PRSI conditions for State Pensions.

Kristopherus

Snaps, were you self employed while you worked in Ireland?

snaps

I was both. I had a full time job (40 hours a week) and also part time self employed. I'm aware as always there will be changes made, possibly by the time I retire I will have to work until 80 years old.

snaps

On another note, I am now living in Poland for the past 18 months. I was told that I couldn't transfer anything paid (Social security payments) into Poland. I argued that this was not the case as its EU to EU country that I have moved from and to. I was refused any kind of Social welfare when I moved here, Infact I was told to go back to Ireland once a month and get money there!!!

My wife is also entitled to nothing here, because she had left Poland for more than 4 years and any previous payments she made are now void. Again the 7 years she worked in another EU country (Ireland), means nothing.

So it just goes to show the differences that EU countries have when it comes to social welfare.

You can see why the Uk & Ireland are a bit pissed off with them being branded an "Easy touch" within the EU when it comes to fellow EU citizens going there and being able to claim social welfare.

haveringchick

If ypi or your wife had been in receipt of Jobseekers Benefit (but not Allowance) for 4 weeks before you went to Poland then you could have transferred your entitlement there for 78 days while you were looking for work.
You would have had to organise that from this end before you left though.

Graces7

snaps wrote: »

On another note, I am now living in Poland for the past 18 months. I was told that I couldn't transfer anything paid (Social security payments) into Poland. I argued that this was not the case as its EU to EU country that I have moved from and to. I was refused any kind of Social welfare when I moved here, Infact I was told to go back to Ireland once a month and get money there!!!

My wife is also entitled to nothing here, because she had left Poland for more than 4 years and any previous payments she made are now void. Again the 7 years she worked in another EU country (Ireland), means nothing.

So it just goes to show the differences that EU countries have when it comes to social welfare.

You can see why the Uk & Ireland are a bit pissed off with them being branded an "Easy touch" within the EU when it comes to fellow EU citizens going there and being able to claim social welfare.

Which is why I stay in Ireland on my UK pension but with extra help that is even better than the UK. I would love somewhere warmer but would be very hard pressed in eg France.