State Pension when not living in Ireland

bacon?

I'm wondering if I can expect some sort of state pension.

Currently 44, left Ireland in 2010.

Paid tax (high rate) for 13 years.

Spook_ie

AFAIK If you're in the EU then contributions are amalgamated and you get paid from the country you're residing in, if you're somewhere like USA or Australia then no idea

Edit

Countries with bilateral SW arrangements

https://www.citizensinformation.ie/en/social_welfare/social_welfare_payments/older_and_retired_people/state_pension_contributory.html

My Irish years of employment are recognised by the German pension system. Received a letter about it last weekend from them.

Because Germany is actually addressing their Demographic issues I suspect that by the time I retire I will actually have a higher state pension in Germany than I would have received in Ireland. I don't mean the German one will be especially generous but rather that the Irish system will collapse as everyone is whistling past the graveyard.

I'm also trying to figure out how to get my Irish pension fund out of Ireland as there will be an irresistible urge by Government to steal a portion of everyone's pension funds when Ireland next has a meltdown like Michael Noonan did at the start of the last decade.

Pawwed Rig

You will need to get a history of contributions from DSP and then do an analysis. It is a couple of years since I looked at it so cannot recall all of the conditions. You definitely will not get the full pension. You might qualify for a partial pension.

Easten

https://www.boards.ie/discussion/2058211393/state-pension-when-not-living-in-ireland

The tax rate you paid previously makes no difference it's the number of contributions of any of these classes A, E, F, G, H, N or S. You need 2,080 or more PRSI contributions (or 40 years’ of employment) to get the full state pension now. So you'd probably just about make close enough to almost full rate it if you work to 67.

Or if you have no assets or savings or any other income worth a dam then you can qualify for the non contributory pension which means in effect if you are on the dole all your life you'll qualify for the pension too!!

littlevillage

Answer to OP's question

https://www.citizensinformation.ie/en/social_welfare/social_welfare_payments/older_and_retired_people/state_pension_contributory.html#

makeorbrake

https://www.boards.ie/discussion/comment/117967369#Comment_117967369

The link refers to bilateral arrangements to amalgamate pensions. However, if living outside of countries with such an agreement, can it be assumed that the Irish state contributory pension gets paid out to Irish nationals abroad based on the number of contributions that they've made?

https://www.boards.ie/discussion/comment/117974660#Comment_117974660

Does anybody have a link to a table that shows what proportion of a pension would be payable for those with less contributions? I assume there are different levels payable based on ranges of contributions.

Spook_ie

https://www.gov.ie/en/publication/927721-state-pension-contributory-rates/

under the aggregated contributions method you should probably get a % pension based on the % of 2080 contributions to get the full pension

Likely to be 13 years contributions 13 x 52 = 676

676/2080 = 32.5% of the state pension

But the only people who give a definitive answer is the pensions dept. Of SW

makeorbrake

On this page, there's a table that shows different rates but based on the old system of yearly average contributions. I don't see an equivalent for the newer total contributions system. Is there one?

Happyhouse22

Maybe a stupid question - but how will they know if someone lives outside Ireland?

Lets say I retire to a European country with a state pension with a lower value can I just continue to receive my Irish pension into an Irish bank account while living abroad?

Spook_ie

https://www.boards.ie/discussion/comment/117999571#Comment_117999571

It's all under the link about ACM

To receive the maximum rate of payment under the ACM, you must have 2,080 contributions and credits (equivalent to 40 years). If you have less than 2,080 contributions and credits your rate will be a percentage of the maximum rate of pension.

ploughna

I paid PSRI from 1989 to 1996 before emigrating to the US. Am I eligible for a partial payment on retirement based on this - I calculated approx 390 contributions, so 390/2080? or is there a threshold to meet?