Contributions for Irish pension.

I

I'm Nobody

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Good afternoon.
I'm looking to the wise heads on here.
Mrs Nobody will be 66 later this year.
According to her on-line My Gov account she has
Total Pension contributions 52.
Paid contributions 385
Reckonable Credited contributions
for Pension 430
She received an email this morning about applying for the state pension.
She worked for the HSE and was under the impression that she would not qualify.
Can someone make sense of the above numbers.
Thanking you in advance.
Mr Nobody.
 
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Did she join the public service before April 1995?

It looks like she has been paying PRSI at class D, which does not build up an entitlement to a State Pension.

What is the class K about?
 
Your statement seems to be incorrect.
It shows Reckonable Contributions for Pension as total 0
This should be showing at least 52.

It shows 385 paid contributions.
Can you post the full record so it can be determined if these are Reckonable paid contributions.
 
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K is for unearned income, such as rental as far as I know.
Its the Reckonable Credited contributions
for Pension 430.
What does that mean?
I just found this,

Once you have at least 520 reckonable contributions, you will qualify for a rate of State Pension (Contributory).
Have enough PRSI contributions - these can be paid, credited and voluntary contributions - see 'How to calculate your State Pension (Contributory) rate in 2025' below
 
I think the very best she can hope for is a Pro Rata Pension, and this may be impossible at age 66 from the above statement.
https://www.citizensinformation.ie/en/social-welfare/older-and-retired-people/pro-rata-pensions/

She will need a min of 260 full rate contributions, These are Class A's (Employee - 3 are shown) or Class S's (Self employed - 52 are shown)
She has enough modified rates to qualify
She can now pay PRSI to age 70 to help qualification, if the Class S's are from an ARF, this may be the best option.

Class D's or K's are not much use for benefit purposes.
A summary of the benefits of each class can be found here
https://www.gov.ie/en/department-of...classes-of-pay-related-social-insurance-prsi/
 
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Here is the full record!
Courtesy of Cecil B DeMille.

Your Contribution Statement
Below are your Social Insurance Contributions as recorded by the Department. While every effort is made to ensure the information is accurate, the Department will not take responsibility for any incorrect information and the record may not necessarily reflect all recent amendments. Entitlement to a benefit or pension can only be determined when a claim is submitted

Year

Total Pension Contributions

Paid Contributions

Credited Contributions

Long-Term Carer's Contribution

Reckonable Contributions for Pension

Reckonable Credited Contributions for Pension

Total: 385





Total: 0

Total: 430

Total: 25

2024 52 52 M, 1 J, 3 A, 52 S - 52 -
2023 - 27 D, 28 M, 52 K - - -
2022 - 52 D, 52 K - - -
2021 - 52 D, 52 K - - -
2020 - 52 D, 52 K - - -
2019 - 52 D, 52 K - - -
2018 - 52 D, 52 K - - -
2017 - 52 D, 52 K - - -
2016 - 52 D, 52 K - - -
2015 - 52 D, 52 K - - -
2014 - 48 D - - -
2013 - 52 D - - -
2012 - 52 D - - -
2011 - 52 D - - -
2010 - 52 D - - -
2009 - 52 D - - -
2008 - 52 D - - -
2007 - 52 D - - -
2006 - 52 D - - -
2005 13 39 D, 52 S - 52 -
2004 21 31 D, 52 S - 52 -
2003 - 52 D - - -
2002 - 52 D - - -
2001 - 52 D - 0 - -
00/01 - 52 D - - -
99/00 - 52 D - - -
98/99 - 52 D - - -
97/98 - 52 D - - -
96/97 - 52 D1 - - -
95/96 - 52 D1 - - -
94/95 - 52 D1 - - -
93/94 8 8 A1 - 8 -
92/93 - 25 D1 - - -
91/92 - 26 D1 - - -
90/91 - 52 D1 - - -
89/90 30 30 A1, 5 D1 - 30 -
88/89 - - - - -
87/88 - 52 D1 - - -
86/87 - 52 D1 - - -
85/86 - 52 D1 - - -
84/85 13 13 A1, 36 D1 - 13 -
83/84 42 31 A1 11 31 11
82/83 - - - - - -
81/82 21 20 A1 1 20 1
80/81 52 52 A - 52 -
79/80 50 50 A - 50 -
78/79 52 39 ORD 13 39 13
77/78 31 31 ORD - 31
Contributions that count towards State Pension Contributory: A, E, F, G, H, N, S, ORD, V1, V3, V4

Contributions that don't count towards State Pension Contributory: J, K, L, M, P, V2, B, C, D, WOPS
 
If you could screenshot the actual Prsi record it would be easier to figure out.

I am counting 430 full rate paid contributions.
She can qualify for a pro rata pension based on this.
If she gains 520 full rate paid she will get a higher pension.
She needs an extra 90 paid contributions.
She can defer her pension beyond age 66.
She could get 52 class S for 2025 and another 52 for 2026.
She could then apply for a higher pension on 1st January 2027.
 
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