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State pension

  • 05-08-2015 9:33am
    #1
    virginiawolfie
    Registered Users, Registered Users 2 Posts: 1 ✭


    I lost my job at 60 years of age and have not worked since nor claimed credits for pension purposes as I was told I did not have to as I worked all my life without a break and will have an average of 46 contributions from starting work until age 66. Will not having any credits or stamps from 60 to 66 stop me getting a contributory old age pension. I am worried now as I am 63. Can anyone enlighten me.

    Sent from my iPad


Comments

  • #2
    mp22
    Moderators, Business & Finance Moderators, Regional South Moderators Posts: 6,854 Mod ✭✭✭✭mp22


    Have you claimed any benefits since you were laid off?


  • #3
    DanDublin1982
    Registered Users, Registered Users 2 Posts: 641 ✭✭✭DanDublin1982


    virginiawolfie wrote: »
    I lost my job at 60 years of age and have not worked since nor claimed credits for pension purposes as I was told I did not have to as I worked all my life without a break and will have an average of 46 contributions from starting work until age 66. Will not having any credits or stamps from 60 to 66 stop me getting a contributory old age pension. I am worried now as I am 63. Can anyone enlighten me.

    Sent from my iPad

    It may (margainly) effect your rate of payment but not your overall entitlement.


  • #4
    emg74
    Registered Users, Registered Users 2 Posts: 225 ✭✭emg74


    It is possible to get your Full PRSI history from DSP - https://www.welfare.ie/en/Pages/secure/RequestSIContributionRecord.aspx

    This can be used to calculate the rate of pension

    To calculate the rate of pension - add up the total Paid and Credited contributions in the 2 right most columns and then divide the total by the number of years worked to get yearly average

    The rates of pension are at the end of this link - http://www.citizensinformation.ie/en/social_welfare/social_welfare_payments/older_and_retired_people/state_pension_contributory.html

    If you claimed Jobseekers Benefit (Stamps) when you were let go, you might still be in a position to sign for credits or become a voluntary contributor which might make a difference in your pension rate.

    If you call to any citizens information centre, the can do the calculations for you if you have the PRSI record with you.


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