rum and black
Registered User
- Messages
- 51
My partner worked in the public service from circa 1976 to 1987 and paid a class D contribution.
Is your partner not entitled to her public sector pension already at 60? It should be 11/80ths of final salary.
She took an early retirement/redundancy package back then and yes I omitted to say she does have a small pension from that which she has since about 1987. What she wants to establish is how to maximise her A contribution for a full or as near to full Contributory Pension. I think this was answered in another thread indicating that she can sign for credits which we weren't aware she could do.Yes. I would have thought she should have been claiming her pension from her Class D public service fron 60.
In April 2006 she became fully employed and still is, and has paid an A contribution each week since April 2006. However she is finding her work mentally draining and very stressful and is unsure how long more she can continue. She is now 62. Her earliest retirement age from her job is 65 but pension wont kick in until 2024 when she is 67.
I understand supplementary cannot be accessed until 65 and only if refused social welfare. If she retires now at 63.3 years and choses cost neutral she will get 88.5% of approximately 2200. If she retires now and leaves pension until she is 65 will she get 2200 per year going forward. I know its not a big difference either way but wondering.?
Yes, as far as I know Class S PRSI on rental income counts towards the State Pension in the same way as Class A - subject to a minimum yearly payment of €500 on Class S. If her contribution from her rental income should be less than this I understand she can top it up to €500 on a voluntary basis. There is no PRSI on her pension income.If she retires now and chooses not to apply for job seekers as not technically looking for work again or signing for credits after job seekers can her rental income on which prsi is paid help towards state pension
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