State Pension query. Entered system at 57 do I qualify for anything?

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Blackwaterguy

Registered User
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Hi, I hope someone can make sense of this for me.

My first full year of taxation self employed in Ireland was the year ending 2017 when I would have been 56, but for some reason (despite earning well in in excess of €5,000 that year) no usc or prsi was applied by revenue that year, so my first year of contributions was when I was 57.

I had thought I would be completely out of luck as previously you could make no prsi contributions in the year you reached 66, but recent changes now allow contributions to continue until you are 70.

So at age 66 I won't qualify for anything as I will only have made 9 years contributions, but the following year age 67 I will have made 10 years worth.

Will I qualify for anything then, or will I still be stymied by the requirement to have started paying PRSI at the age of 56?

NB I have 35 years of contributions in the UK, but they are all needed to qualify for the full pension there, so unsure if they can count for anything here also under bilateral agreements.

Any help greatly appreciated,

David
 
I would query why no PRSI payment was taken for 2017

I presume that this is the tax return you filed in 2018 for income arising in 2017?
 
"I presume that this is the tax return you filed in 2018 for income arising in 2017?"

Yes that's right.

I could get no answer on why it hadn't been deducted, and when I asked if I could make a voluntary contribution to restore it I was told I could only make voluntary contributions once I'd already made 10 years of contributions, so catch 22. really.
 
Where did you work before?


Blackwaterguy said:
I could get no answer on why it hadn't been deducted,
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Possibly due to non-residency in that particular year. Is there a different PRSI class recorded perhaps like Class K?

You should approach the Department of Social Protection about this. They are open to adjusting your PRSI record if it should have been deducted. Revenue are much stricter on no look back over four years.
 
Dr Strangelove said:
Where did you work before?


Possibly due to non-residency in that particular year. Is there a different PRSI class recorded perhaps like Class K?

You should approach the Department of Social Protection about this. They are open to adjusting your PRSI record if it should have been deducted. Revenue are much stricter on no look back over four years.
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I had informed of residency from January 2017 (moved here in 2016, but only for later part of year) and am an Irish Citizen.

Thanks for the advice re DPS I will try that route.
 
Blackwaterguy said:
Will I qualify for anything then, or will I still be stymied by the requirement to have started paying PRSI at the age of 56?
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I am not certain about this, but I think that this requirement to start at age 56 dates back to before the possibility of deferral of the pension. Before this you would need to begin employment at 56 on order to reach the 520 minimum full rate paid level by age 66.

Now a person starting employment at age 60 could teach the 520 level at age 70.

The wording on citizens information is

1. Paid PRSI contributions before a certain age​

To get a State Pension (Contributory) at 66, you must have started paying PRSI before the age of 56.


You should be able to qualify later than age 66.
 
Don't know if it's because I'm a newbie, but only seems to let me reply every few hours, so thanks for all the info I'll try and reply to Everyone in this:


S class said:
I am not certain about this, but I think that this requirement to start at age 56 dates back to before the possibility of deferral of the pension. Before this you would need to begin employment at 56 on order to reach the 520 minimum full rate paid level by age 66.
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That would make sense to me, but can't get a definitive answer on it.


Dr Strangelove said:
Did you work in the UK?

Are you making voluntary national insurance contributions there?
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Yes worked there both employed and self employed. I have paid an additional year there to bring my UK pension up to it's maximum as per my OP.


Ruffian said:
Enquire with details to scope@welfare.ie.
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Thanks for the info.
 
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It looks like you wont have any problem making the 520 contributions needed however note that even if you were to only have 9 completed years of contributions you will be entitled to the pro rata pension because your years worked in the UK will also be taken into consideration thanks to the bilateral agreements. This is also the case within any EU country.
 
Blackwaterguy said:
Don't know if it's because I'm a newbie, but only seems to let me reply every few hours
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can't post a reply to my thread (or with long delay)

Hello, I'm new here, I created a thread yesterday. This morning I received some replies but when I want to reply myself I get a message "you must wait at least 7234 seconds before performing this action". That's like 2 hours. The first time I waited, but it happened again, why? It's holding up...
www.askaboutmoney.com
 
Not sure if i understand what you mean @DannyBoyD .
So, each country has a minimum requirement of years to be considered for a pension. For instance 15 in Spain, 10 in Ireland Ireland and whatever in the UK (?). You could work only 1 year in Ireland and 10 in Spain making a total of 11. You will be entitled to get an Irish pension (pro rata =1 year pay). But in this case you wont be able to get the Spanish pension coz u need a minimum of 15 years.

In the case of the poster as he will have more than 10 years in total he will get an Irish pension but only for the 9 years contributed in Ireland.
 
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