Lump sum limit on Public Service and Private pension

I'm about 5 years out from 65 and at that point will be entitled to the lump sum from a Buy out Bond I hold from a previous employment. I will also qualify for my Public Service pension.
Firstly is the 200 000 limit valid for my primary Public service pension or can it include my personal pension.
Secondly, as I intend to work for a few more years to make up for a late start in my current career, will the remainder of my first pension be subject to the higher rate of tax, I intend to purchase an ARF with this.
Apologies if this has been answered already but I couldn't find it on the site.

Skyeblue said:

is the 200 000 limit valid for my primary Public service pension or can it include my personal pension.

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The €200,000 tax free limit covers all retirement lump sums - see section 3 'Definitions' here:


If you have employment income and are already taxable at the higher rate, then income distributed from the ARF will be subjected to the higher rate. Withdrawals from an ARF are treated as income and taxed under the Pay As You Earn (PAYE) system.