I hope to have 22 years service done at 62 in the civil service. I am post 2004 so my pension is integrated with social welfare. I know that the civil service will only pay supplementary pension if I can prove I have claimed all funds to which I am entitled from social welfare.
Do I try and claim jobseekers from social welfare at 62? I won't be technically seeking a job, having retired. I know that if I pretended to be seeking a job then I could get 9 months jobseekers payment out of my 'stamps' as I have worked all my life. I am sure they would wonder why I retired from a permanent job and signing on as unemployed.I do not want to go for a means test as I have some savings. Ideally I would tell social welfare that I have retired, not undergo means test and claim supplementary pension from Civil Service. I know that I would have to pay a few hundred a year to keep my prsi active between 62 and 68.
I would be concerned that if I retired before the 67 rising to 68, and did not undergo means test with social welfare, claim jobseekers etc, then the Civil Service may refuse to give me a supplementary pension. Because the pension is integrated, I would only get a few thousand a year from the Civil Service directly, not enough to live on. If I had already retired and this happened, then my lump sum would be spent on living expenses between 62 and 68. I have visions of going between Social Welfare and Civil Service between 62 and 68, trying to 'prove' myself in order to get the supplementary pension.
It seems like the Civil Service are almost 'forcing' people to work til 67 or 68, as the integrated scheme means claiming the initial 12k of a pension and having to 'prove' you are not eligible for social welfare payments makes it complicated.
Was there ever a case where Civil Service did not pay a supplementary pension and a person was left with a few thousand a year to live on? Do social welfare understand that civil service retirees have to 'sign on' and are not genuinely seeking work?
Do I try and claim jobseekers from social welfare at 62? I won't be technically seeking a job, having retired. I know that if I pretended to be seeking a job then I could get 9 months jobseekers payment out of my 'stamps' as I have worked all my life. I am sure they would wonder why I retired from a permanent job and signing on as unemployed.I do not want to go for a means test as I have some savings. Ideally I would tell social welfare that I have retired, not undergo means test and claim supplementary pension from Civil Service. I know that I would have to pay a few hundred a year to keep my prsi active between 62 and 68.
I would be concerned that if I retired before the 67 rising to 68, and did not undergo means test with social welfare, claim jobseekers etc, then the Civil Service may refuse to give me a supplementary pension. Because the pension is integrated, I would only get a few thousand a year from the Civil Service directly, not enough to live on. If I had already retired and this happened, then my lump sum would be spent on living expenses between 62 and 68. I have visions of going between Social Welfare and Civil Service between 62 and 68, trying to 'prove' myself in order to get the supplementary pension.
It seems like the Civil Service are almost 'forcing' people to work til 67 or 68, as the integrated scheme means claiming the initial 12k of a pension and having to 'prove' you are not eligible for social welfare payments makes it complicated.
Was there ever a case where Civil Service did not pay a supplementary pension and a person was left with a few thousand a year to live on? Do social welfare understand that civil service retirees have to 'sign on' and are not genuinely seeking work?