What happens when I reach age 65 or 66?


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You cannot get a State Pension (Transition) or State Pension (Contributory) with a Widow's, Widower's or Surviving Civil Partner's Contributory Pension. However, if you or your spouse/civil partner worked or lived in a country on page 7 you should apply for a State Pension Contributory or Transition when you reach 65 or 66 years of age as you may be due a pension from abroad.

State Pension (Transition) and State Pension (Contributory) are based on your own social insurance record only. Your spouse's/civil partner's social insurance record cannot be used.

If you are aged 65 and are getting a Widow's, Widower's or Surviving Civil Partner's Contributory Pension you may qualify for a State Pension (Transition) which is paid at a higher rate than the maximum Widow's, Widower's or Surviving Civil Partner's Contributory Pension rate based on your own social insurance record only.

If you are getting a Widow's, Widower's or Surviving Civil Partner's Contributory Pension at a reduced rate you may qualify for a State Pension (Contributory) at age 66 at a higher rate than your reduced Widow's, Widower's or Surviving Civil Partner's Contributory Pension.

If you are getting a Widow's, Widower's or Surviving Civil Partner's Contributory Pension at the maximum rate, there is no advantage in applying for a State Pension (Contributory) at age 66, as the rate of payment is the same.

If you have been paying PRSI at Class S as a self-employed person, you may qualify for a State Pension (Contributory) at age 66.

You must make a separate application if you think you qualify for State Pension (Transition) or State Pension (Contributory) at a higher rate. You should apply 3 months before your 65th or 66th birthday, whichever is appropriate.

If you do not qualify for State Pension (Transition) or State Pension (Contributory) you can continue to get your Widow's, Widower's or Surviving Civil Partner's Contributory Pension for as long as you remain widowed or a surviving civil partner and do not cohabit.

For more information, log on to 'www.welfare.ie'.

Last modified:10/01/2011
 

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