How to Use the Benefit of Work Estimator


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The Benefit of Work Estimator is a user friendly tool for people with disabilities in receipt of Disability Allowance, Blind Pension, or those on Invalidity Pension or Illness Benefit who wish to apply for Partial Capacity Benefit. It gives an indication of the financial benefits of taking up work and how income from employment may affect your disability or illness payment. 

 You will be asked to select;

  • Which illness or disability payment you receive

  • Whether you have dependent children (to determine the appropriate rate of payment)

  • The number of dependent children

  • Whether you have a full medical card (to calculate the appropriate Universal Social Charge)

  • Your relationship status. i.e. whether you are single, married, civil partner or cohabiting, or widowed. (This is to calculate the appropriate social welfare payment rate and the appropriate tax, PRSI, and USC rates).

  •  If you are part of a couple then a number of extra questions are asked including:

    • whether your partner is in a paid job

    • how many days he/she works per week

    • your partner’s weekly wage before deductions

    • whether your partner is on a social welfare payment

The answers you provide are used to set the correct rates for standard tax credits, PRSI, Universal Social Charge and the correct standard rate for your weekly social welfare payment.

  • Whether you are currently working and if so;

    • how many hours you work per week
    • how much you earn per hour before deductions (to calculate the appropriate tax, PRSI, USC  and social welfare payment  rates)
  • How many hours per week you wish to work in the future and

  • Your expected hourly rate of pay before deductions.

You then click Estimate and you will be provided with an instant comparison of your income before work and after commencing work or your income before and after working additional hours.

The estimate will highlight the amount you can earn or the number of additional hours you can work while still retaining entitlement to a Disability Allowance, Blind Pension or Partial Capacity Benefit payment.

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What the Benefit of Work Estimator can do

The Benefit of Work Estimator will

  • Give an indication of the financial benefits of taking up work and how income from employment may affect your disability or illness payment. (Blind Pension, Disability Allowance, Invalidity Pension or Illness Benefit)

  • Calculate your net weekly pay based on standard tax credits for a single person

  • Work out your net weekly pay based on standard PRSI and Universal Social Charge rates

  • Calculate the standard rate of Disability Allowance, Blind Pension, based on your family composition  and calculate the appropriate means disregards based on your inputs

  • Work out the rate of PCB at 50% (This is based on your restriction on capacity for work being assessed as moderate and the rate will be higher if your restriction on capacity for work is assessed as severe (75%) or profound (100%))

  • Compare your net weekly pay from work together with any retained entitlement to your payment  with the standard rate of weekly welfare payments

  • Display a bar chart showing the results.

The Benefit of Work Estimator will not:

  • Take all tax, income, expenses or personal circumstances  into account

  • Calculate household income (the results look at the effect of  earnings from work on your payment and earnings)

  • Work for any social welfare payment other than Blind Pension, Disability Allowance, Invalidity Pension or Illness Benefit

  • Calculate any change in entitlement to Rent Supplement.  If you are in receipt of Rent Supplement  you should discuss your plans to work with an Intreo  information or case officer.

  • Include any other in-work income supports you may be entitled to

  • Take additional tax credits that you may qualify for into account

  • Take account of work associated costs such as travel and childcare

  • Take Child Benefit into account (as it will not be affected if you take up full-time employment).


 

Last modified:16/05/2018