PRSI contributions and integrated pension

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blanketyblank

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I intend retiring in the next couple of years. I am a public servant and will be getting an integrated pension. I worked in England for a number of years a long time ago and just want to check if I am correct that the social insurance contributions I made in England are counted here as part of my record? I'm told that it automatically happens - is this true?
Thanks
 
If you want your U.K. contributions counted as part of your Irish PRSI contributions then you need to advise the Records Office of the Dept of Soc Protection of your U.K. history, ie where you worked in the. U.K., your employer and what years. The Records Office will then liaise with the Dept of Work and Pensions in the U.K. to verify your record.
 
Thanks I am entitled to a small pension from there and a small lump sum I've already sorted this and it's only matter of applying for it.

The fact that I get the social insurance contributions verified with my Irish record to make up the gap in my Irish record will have no effect on my pension and lump sum entitlement, will it?

Thanks again
 
blanketyblank said:
Thanks I am entitled to a small pension from there and a small lump sum I've already sorted this and it's only matter of applying for it.

The fact that I get the social insurance contributions verified with my Irish record to make up the gap in my Irish record will have no effect on my pension and lump sum entitlement, will it?

Thanks again
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No. The State Pension is entirely separate from any Occupational Pension.
 
You could be better off not having UK NI contirubtions counted and make voluntary contributions instead. It's more complicated again for PS workers but would help if you could add:

Age:
Year started in PS:
Year you expect to retire:
How many years UK NI contributions:
How many years Irish PRSI contributions (including before current PS job if any):
 
NoRegretsCoyote said:
You could be better off not having UK NI contirubtions counted and make voluntary contributions instead. It's more complicated again for PS workers but would help if you could add:

Age:
Year started in PS:
Year you expect to retire:
How many years UK NI contributions:
How many years Irish PRSI contributions (including before current PS job if any):
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Hello No Regrets coyote.
I wonder would you know ref U.K. vol contributions re class that ps workers would have to pay or where I could ask. The section that deals with these queries in U.K. seems to take months to respond re this type of query.
I have phoned U.K. HRMS several time. I have tried to set up an Gateway account and becuase of no recent uk address, computer say no.

I have 3 yrs worked in C.S. in uk in late 80s .
I was in the cs in UK and then in cs here.
I got pension forecast from Dept Work and Pensions and as far as I know, I could make vol contributions in uk maybe from 2006 to 2010
Would you know if I would have to pay the more expensive Class 3 or Class 2 Voluntary contributions.

Age 61 started permanent position in PS here age 31
I have 28 yrs cs/ps pension ireland - missing 12 yrs
Age 65 is the normal retirement age but that may not be possible.
Approx 6.5 years Class A contributions prior to CS in Ireland.

I understand that there is also a possible mixed rate, pro-rata pension, which people may be eligible for who have at least 5 yrs A rate contributions, which can be combined with B/D contributions, but I dont know who to ask about that. DSP said they could not assist. I have approx 6.5 yrs A rate contributions.
Regards November
 
@november16 - just send off form NI38 to HMRC and they will confirm what you can pay and by when. Almost certainly the cheaper Class 2 contributions.

november16 said:
Approx 6.5 years Class A contributions prior to CS in Ireland.
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You may indeed qualify for what is known as a "mixed " state contributory pension but this is very complicated and have no direct experience.

The criteria are here:
If you reach pension age on or after 6 April 2012 with a mixed insurance record, you need to meet all these conditions:

  • You have a minimum of 520 PRSI contributions (full-rate and modified-rate).
  • You have at least 260 full-rate paid contributions since your entry into insurance.
  • Adding together a mixture of full-rate contributions and modified-rate contributions, gives you a yearly average of 10 from the time you first entered insurance (or 1953, whichever is later) to the end of the tax year before you reach 66. This yearly average condition does not apply if the TCA (or Aggregated Contributions Method) is used.
  • You do not qualify for a pension under EU regulations or under reciprocal arrangements with other countries (or you only qualify for a pension at a lower rate than this pro-rata pension would give you).
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I think you qualify for all of what I have highlighted in bold. The issue is the final bullet which seems to suggest that if you have a UK state pension then you won't qualify for a mixed Irish state contributory pension.

However if you have 6.5 years Class A you could make the ten years/520 contributions needed for a partial state contributory pension by having self-employment and investment income between now and 66. For example rental or dividend income is liable to Class S PRSI if it is above €5,000 in a given year. Other posters could clarify, but I think it applies to ARF drawdowns too. So if you make at least 3.5 years Class S contributions between now and 66 it might get you there.
 
@NoRegretsCoyote thanks for posting that. Well, not really! But that last bullet point. I knew I'd seen that somewhere, but couldn't remember where. That , to me anyway, says that it's not possible to receive state pension from Ireland, if you qualify for a full pension from somewhere else.

That's despite people telling me you can. Obviously, if you meet all the other criteria.
I've always failed to get an official answer, but I always thought to myself that it's not possible. That's a shame, as overall, all my numbers are quite low. So a partial pension, even if 60 or 80 Euro a week, would have been a big help.
 
Thanks very much @NoRegretsCoyote. Its hard to put it all together sometimes
My ps pension in Uk would amount to the princely sum of 20/25 pounds approx a week.
Like Lisgoold My Numbers are low too as am short 12 years here re ps and only have my salary is superannuated.
I think I read here that you would have to have a large A.R.F. and a large withdrawal per year to qualify for the Class S and there is some other configuration re if ps and then have rental income recorded as an S stamp that it may not lead to a contribution towards a contributory pension.
I will send off form re N138. A friend waited several months for a response through snailmail
 
All drawdowns from an ARF are subject to S class Prsi. To get 52 contributions per year you need to set the ARF up for monthly drawdowns. The ARF is treated differently to investment income. With investment income you must have a minimum of 5000 euro per year to be liable for S class Prsi. The 5000 minimum income does not apply to ARFs.
 
Lisgoold said:
But that last bullet point. I knew I'd seen that somewhere, but couldn't remember where. That , to me anyway, says that it's not possible to receive state pension from Ireland, if you qualify for a full pension from somewhere else.
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I'm not so sure.

I think it just means you can't qualify for a mixed pension if you have a pension from somewhere else.

Suppose you have 40 years paid Class A contributions in Ireland. Suppose you have three years paid NI contributions in the UK and another 32 voluntary NI contributions. I understand you can claim both state pensions in full in those circumstances and have read of people on these forums who draw both.

november16 said:
I think I read here that you would have to have a large A.R.F. and a large withdrawal per year to qualify for the Class S and there is some other configuration re if ps and then have rental income recorded as an S stamp that it may not lead to a contribution towards a contributory pension.
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Yes. @bstop has clarified it more. It would be complicated but getting at least three more years of Class S contributions before 66 would get you a minimum Irish state contributory pension.
 
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