Contributory pension requirements

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Introuble83

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My wife is starting a new job in January as a SNA in a secondary school. She will earn approx 13k a year . She is 40 years old and has spent the last 15 years as a homemaker. My query is at her wage will she earn enough to qualify for a contributory pension ? And can she make top ups to her pension to ensure she does qualify (assuming she does not pay enough in ). We are jointly assessed for tax if that matters . Thanks
 
Presumably she will start paying Class A PRSI. If so, then every year she pays (plus any prior year contributions) will add to her PRSI record that will ultimately determine what State Pension she may be entitled to.
Under the current system, it’s not how much she pays in terms of PRSI contributions, but rather how many weekly contributions she pays. The State Pension system is currently subject to review ( Pensions Commission) so it is impossible to predict what the rules will be in say 25 years time when your wife might be retiring.
 
Conan said:
so it is impossible to predict what the rules will be in say 25 years time when your wife might be retiring.
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Impossible to predict with precision, but in general the more PRSI contributions you make the more pension you will get.
 
She will be awarded credits for being at home bringing up children until the age of 12.
 
Introuble83 said:
Is it not a case of contributory pension is X amount and non contributory is Y ? Thanks
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No. Not every A Class contributor gets the full State Pension. It all depends on your record of contributions and Credits (such as credits for years raising children under the age of 12). One of the calculations used is 1/40th the State Pension for each year (52 weeks) of contribution. So 40 years of contributions (2080 weeks) qualifies for the full Pension. But if you have less than 40 years, the Pension would be reduced.
 
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