Help calculating entitlement to Contributory Pension

[Homelandfan]

Asking for a family member - any help appreciated with calculating entitlement to Contributory Pension!

Female - born 1962
1980-1985: lived in Ireland - some work, some gaps - Total PRSI class A1 contributions: 221 (inc Paid & Credits)
1985-1996 worked in UK, and oldest child born in UK in 1988
1996 started moving back to Ireland, still over & back to UK for 4 or 5 years (1996 - 2001 Still claiming Child Benefit in UK)
2000 Started part time work in Ireland
2001 Finally permanently moved to Ireland, finished with Child Benefit in UK, started claiming Child Benefit in Ireland from 2001 onwards.
2002 Youngest child born in Ireland
2022 Still working mostly full-time, some gaps, PRSI contributions from 2000 up to 31/12/22 = 1154 , total PRSI up to 31/12/22 = 1375 (including 221 from the 80's)
2028 She reaches 66 in 2028 and will hope to have total 1625 contributions (inc Paid & Credits) up to end of 2027

She would probably retire early (now at 61) if she thought she had already paid in enough for full Contributory Pension.
Can't get my head round which of the different approaches works best for her esp. how they apply the Homemaker Credits.
How might Homemaker Credits apply in this case (where she was working more or less full-time while kids were young)?

 

[Sue Ellen]

You can read all about qualification for the Contributory Pension @ Citizens' Information here

Looks as if there would be a lot of calculation attached to your table above and in light of your other queries perhaps a call to Citizens' Information might be a good idea

• Phone CIPS 0818 07 4000

You could also try registering them on www.mygovid.ie if you have their PPS number and you may be able to get a contribution statement
a lot quicker that way - see below.

Apply for your social insurance record​

You can request a copy of contribution statement through MyWelfare.ie. To do this, you need your PPS (Personal Public Service) Number.


In connection with the UK pension I'm not sure how you will find the information for the UK entitlement. This article may help. A friend wrote to them some time back about his entitlement and did not hear anything back. He rang (had to hold for a long time) and they told him that it takes far longer for them to reply to correspondence and it is better to ring.

Not sure if this AAM Key Post will give some advice also.

 

[Homelandfan]

Thanks that that Sue Ellen,
we got an up-to-date PRSI contribution statement in the post - above contributions are based on this.
Yes I have seen recent threads here about the UK Pension - we are following up this also.
My query is just about the Irish Contributory Pension only - in particular I noticed there are two schemes "The HomeCaring Periods Scheme" and the "Homemaker's Scheme" cannot be used together to calculate your pension entitlement. information overload!
Will try contacting CIPS next week.

 

[Black Sheep]

Homemakers credits are allowed to those who reman in the home to care for children and therefore they are not paying PRSI during that period those years.

Home Caring scheme is for those who take time out to care for a sick child or adult and may also be in receipt of Carers allowance (means tested)

 

[Homelandfan]

Homemakers credits are allowed to those who reman in the home to care for children and therefore they are not paying PRSI during that period those years.

Thanks Black Sheep.
Circling back to this - found the Citizens' Information to be really helpful.
Does anyone know if family member above can apply for and get Homemakers Credits for about 4 years when caring for small children in the home, in Ireland, not paying PRSI, but not claiming Child Benefit during this period?

 

[Marsupial]

Does anyone know if family member above can apply for and get Homemakers Credits for about 4 years when caring for small children in the home, in Ireland, not paying PRSI, but not claiming Child Benefit during this period?

She can definitely apply, but only the Deciding Officer knows for sure whether or not she will get Homemakers Credit.

So she should apply and see what comes back. Bear in mind that, if she doesn't apply, then she definitely won't get it!