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I assume the OP has been paying full class PRSI, with 8 years paid they would be entitled to apply for Invalidity Pension if they satisfy the medical conditions, which is not means tested like Disability Allowance.Babamc,
I expect that you should also receive disability allowance from Social Welfare.
Invalidity Pension is not a means tested payment, you can only qualify if you satisfy the medical & PRSI contributions criteria. It is however liable for tax if any other applicable income brings you into the tax net, so I assume that this is what Tentman is referring to.Yes I have been paying full class PRSI (single persons allowance). I am currently on Illness Benefit and I am thinking of applying for Invalidity Benefit, this is really all a minefield for me tbh and I understand that being on a non-means tested benefit would be better. Is the annual supplement (€2800 as evening wrote) counted as means do you know?
I wasn’t suggesting that entitlements were open to negotiation. The reason I suggested Union representation was that retiring on ill health grounds is a major decision in most people’s lives, & rather than turning up to a meeting alone it is advisable to have the support of someone who may have had prior dealings in this area, & who could look at the situation with an independent eye & perhaps bring any queries to the fore that the OP might overlook. Health issues have now been highlighted, so in case things didn’t go through for some reason it can do no harm to have Union presence. As it turns out, the OP has asked the Union to get involved, though a paid official might be better than a local rep.My understanding of it is that it's not down to negotiations. You're either entitled to retire on ground of ill health or not. If you entitled to retire on ill health you'll get whatever you're due under the scheme, no more no less.
I wasn’t suggesting that entitlements were open to negotiation. The reason I suggested Union representation was that retiring on ill health grounds is a major decision in most people’s lives, & rather than turning up to a meeting alone it is advisable to have the support of someone who may have had prior dealings in this area, & who could look at the situation with an independent eye & perhaps bring any queries to the fore that the OP might overlook. Health issues have now been highlighted, so in case things didn’t go through for some reason it can do no harm to have Union presence. As it turns out, the OP has asked the Union to get involved, though a paid official might be better than a local rep.
I have been involved in a similar case where the employee (with four & a half years service) was offered nothing apart from a preserved pension when they would reach age 65. Their Union rep (paid official) got involved & suddenly the employee was offered a Short Service Gratuity lump sum payment plus they signed away their preserved pension rights & got a refund of most of the superannuation payments that they had paid during their service (less tax). As far as I can remember they were entitled to this payment as they had less than five years service. They ended up, between the two payments, receiving almost €19,000.
It’s not that the HR dept were attempting to ‘do’ the employee out of money – it was the case that the HR person (who was at the time meant to be an expert in the superannuation area) with whom they were dealing was not aware of the existence of this gratuity. When prompted by the Union official the HR person came across the information, which he had ‘filed away’ some years earlier. It is for this reason that I recommend that any calculations be checked & verified by the OP’s Union rep.
I would add that the calculations had to be gone over more than once at the time, as in this case there was some backdated promotion involved, & the final figure ended up being more favourable than the first one. The OP’s situation would possibly be more straightforward, but considering that the situation is the exception rather than the norm, it can do no harm to have representation from an independent third party.
Did you get a certificate from the HSE a few weeks ago that gave details of pension payments for all the different years of service? That would give you some idea of what you might get. Be aware,though that ,as you startedafter 1995, any entitlement may be agregated with your DSFA entitlement. If that happens and you go on to Invalidity Pension, there may be an adjustment inyour HSE payment as well.
I just received today a breakdown of my pension payments over the last few yrs, it wasn't in a certificate form as you said but looked more like an excel doc. The figure that I have paid is approx €7,500 which doesn't seem that much but I'm not sure regarding this. Given that I have gotten this figure is it easier to work out what I will get.
Thanks for all your help with this.
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