Appendix 2 - Social insurance or residence outside Ireland


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Social insurance or residence outside Ireland

You may get a pro-rata State Pension (Transition) or State Pension (Contributory) based on a combination of your Irish social insurance contributions and social insurance paid in a country covered by EC Regulations or a country with which Ireland has a Bilateral Social Security Agreement.

Note
In certain countries, residence alone provides cover for social insurance (i.e Australia, New Zealand and Canada).

To qualify for this pension you must:

  • be age 65 for State Pension (Transition) or age 66 for State Pension (Contributory), and
  • satisfy certain social insurance conditions.

The social insurance conditions vary slightly depending on the other country or countries involved.

The following is an example of how we work out a pension if you have social insurance both in Ireland and the United Kingdom (UK).

Example:

Step 1
We work out the 'notional' pension that you would get if all your contributions, both Irish and UK, were Irish contributions. To do this, we add together the Irish and UK contributions and then we divide the total by the number of years to get the yearly average number of contributions.

Contributions
280 Irish + 560 UK 840
840 ÷ 35 years 24

A yearly average of 24 contributions would give a weekly personal pension of €225.80 * (notional amount).
*As at January 2010.

Step 2
We multiply the notional pension by the number of Irish contributions and divide the answer by the total number of contributions. This gives the pro-rata pension payment.

Personal amount
€225.80 x 280 €75.27
840

If your pension includes an Increase for a Qualified Adult (IQA), we multiply the notional amount, including the IQA, by the number of Irish contributions and divide the answer by the total number of contributions.

Personal amount plus Increase for a Qualified Adult under 66
€379.30 x 280 €126.43
840

These figures are based on January 2010 rates.

Last modified:20/05/2010
 

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