Quite frankly, the HSE's administration of the Retirement Benefits is a disgrace, with retirees often having to wait up to a year before getting their benefits. If this happened in the private sector, the organisation would be challenged before the Pensions Ombudsman for maladministration. This is complete incompetence.
I can only go on my wife's experience, when she took CNER from the HSE.
She made the application, with the 3 months notice, and got all her benefits, including lump sum, within that 3 month period.
She got a nominated advisor, who was contactable by phone, to manage the process. She was talked through all the requirements, and all the documentation needed. Additional years were purchased, from historical service in a voluntary hospital, so it wasn't straight forward.
Maybe some people get lucky, but her experience was pretty smooth and the person she dealt with was very competent.
If you follow the guidelines, things should be ok. However, I will, myself be going through the process in 2025, so I'll keep you updated on any issues I encounter. Obviously, a year is completely unacceptable. I mean how do people, who have limited savings, survive without income? Can you claim a state benefit?
Guidance for completing HSE retirement application form HR107a. Your pension benefits will be delayed if your form is not filled in properly. Return your completed form at least 3 months before your retirement date.