Familyman77
Registered User
- Messages
- 157
Work one is minimum industry requires I pay €20 and work pays €40 per week. Employer wont contribute higher to this.
Separate one is executive pension plan started 2019. Has 100k value and would expect employer to contribute average of 20k per year to this
The other scheme is through zurichlife and I would expect the average to be 20k per annum
Thanks very much for the details. It's scary enough when you look at it that way as so many people I know arent even considering a pension as they seem to be content to live off the state pension figure.
Thats great re VHI some of our 'therapies' are her favourite restaurant and trip to JD so like your boat trips which sound fab ..go with what works.....my dd nearing 16 and never did I think she would be applying for Disability Allowance and given her situation will probably be granted it (we had no diagnosis or issues till 12 but that happens with girls with Autism)...but have to look to the positives ..she understands about the DA and knows she will have to give it up if employable in the future so she now has a debit card (which she loves pre covid she could order mcd's at kiosk and no counter etc) and does her own online shop ......plan for DA save 100 (maybe for her own car)...50 towards house/rent and rest for clothes / mobile etc...which despite her disability will made her feel more independent etc.......and she got a place in The Life Centre (alternative to school ....no uniform / homework /one on one tuition and she actually wants to do Leaving Cert there over next 3 years and skip JC )....so hopefully she will settle there) she got on great there for 2 days before lock down.....Not sure what your sons diagnosis is but for me (and others like my dd) life really changes once puberty hit but hopefully once out the other side things may improve but have to say it has changed my thoughts on income / saving / mortgages etc and also wondering how she will cope into adulthood if not fully independent which I do hope she will be I don't want sibling supporting so am also thinking along these lines..........but a balance needs to be found .... holiday / time out so badly needed for parents when dealing with a disability 24 / 7 ...so make sure you factor special date nights / treats for mum at home etc into your financial plan !!! just to add I love my daughter to bits.We have the DCA but as you said that's gone on therapies straight away. I've also got VHI and the plan we have him on actually covers 75% cost of the therapies. I thought the ICTC finishes at 18 so that's good to know
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