Public sector pension offset with contributory state pension confusing me

CramCycle

Please use the modeller provided in post 9. If you have worked in the PS or CS you will get some pension on top of your state pension, I am not sure how anyone thinks you won't, they are just combined to give your total pension, but it is not taking away from your CS/PS one, that one is just limited by the amount of state pension at the time. Most people will not have to worry about that limit.

cute geoge

https://www.boards.ie/discussion/comment/122569806#Comment_122569806

That's what I always understood ,it might not be a whole lot but at least it is something you are entitled to .I can not understand some many giving adamantly wrong advice

Riskymove

https://www.boards.ie/discussion/comment/122569806#Comment_122569806

If the CS/PS entitlement is less than the value of the State Pension then what happens?

CramCycle

https://www.boards.ie/discussion/comment/122578725#Comment_122578725

So long as you qualify for the SCP, you get that, so lets say 13+k a year. Lets say your time in the CS/PS was only 10 years, averaged 36k a year. So not a huge pension but not tiny either, it is still less than the state pension at about 1.8k a year.

You get your 13k from the state pension, plus your 1.8k from the CS/PS one. That's it. This is the SPSS scheme.

CramCycle

Please use the modeller so that no one can lead you the wrong way, it is far simpler than people explaining the ins and outs, which are nice to know but some people might get confused on. It gives you the state pension and you CS/PS pension, simples.