State Pension Benefits

What is the State Pension (Contributory)

State Pension (Contributory) is a payment which you may qualify for when you reach a certain age. The age at which you can receive the State Pension (Contributory) is laid out below. If you were born between 1 January 1949 and 31 December 1954, the minimum age you can qualify for a State Pension (Contributory) will be 66. If you were born between 1 January 1955 and 31 December 1960, the minimum age you can qualify for a State Pension (Contributory) will be 67. If you were born on or after 1 January 1961, the minimum age you can qualify for a State Pension (Contributory) will be 68. This pension is based on your social insurance (PRSI) contributions. It is not means-tested, so payment you receive is not affected by other income you may have, such as an occupational pension. If you qualify for this pension, you can continue to work full-time after you reach the qualifying age.

How to Qualify

To qualify for the State Pension (Contributory), you must meet both of the following conditions:

  • You must have entered insurable employment before you turn 56 years old

  • You must have at least 520 full-rate social insurance (PRSI) contributions paid since entering into insurable employment. (If you turned 66 before 6 April 2012, you need 260 paid full-rate contributions)

What is the State Pension (Contributory) 

State Pension (Contributory) is a payment which you may qualify for when you reach a certain age.

Social insurance (PRSI) record

You can request a copy of your social insurance (PRSI) record online at MyWelfare.ie

State Pension (Contributory) – Current weekly Rates.

Personal Rate (under age 80) – €248.30

Personal + Adult dependant 66 and over – €470.80

Personal + Adult dependant under 66 – €413.70

What is the State Pension (Non-contributory) 

The State Pension (Non-contributory) is a means-tested payment if you don’t qualify for a contributory pension based on your social insurance (PRSI) contribution record or if you only qualify for a reduced rate of State Pension.

It may be to your advantage to be paid the State Pension (Non-contributory) instead of a reduced State Pension (Contributory).

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