State pension entitlement

As you have not given any idea how long she worked and paid PRSI it would be impossible to give an estimate. As there are major changes in pensions coming over the next few years it makes it more difficult.

She should firstly request a copy of her PRSI contribution record from SW.
Would she consider returning to work?

Black Sheep said:

As you have not given any idea how long she worked and paid PRSI it would be impossible to give an estimate. As there are major changes in pensions coming over the next few years it makes it more difficult.

She should firstly request a copy of her PRSI contribution record from SW.
Would she consider returning to work?

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Ok thanks for that. She seemed to believe she wasn't entitled to state pension as a public service employee..... but you are saying it depends on the number of PRSI contributions made during working years as to how much her state pension would be....

You and your wife should read the following and see if it gives you some useful information.

http://www.citizensinformation.ie/e...etired_people/state_pension_contributory.html

Has she paid class A contributions at any time during her working life or perhaps she may be entitled to a portion of your pension as your qualified adult. Will you reach pension age before or after her?

Black Sheep said:

Has she paid class A contributions at any time during her working life or perhaps she may be entitled to a portion of your pension as your qualified adult. Will you reach pension age before or after her?

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She has a record of contributions up to 2011. It shows a mixture of ORD, A, J and D types.
From '98 to 2011 she has 52D for each year. (728)
From '79 to '97 she has 415 A type, 14 J type and 103 credits
From '75 to '78 she has 162 ORD type and 24 PEC.
She has nothing since Jan 2012.

She needs to sign on for credits even if she is not seeking work.

But she better say she is looking for work as to sign for credits you are 'meant' to be actively seeking work. She would want to check with Citizens Info as she will only be able to get credits at the same stamp as such that she last paid so if her last ones were limited and no good for pension then signing for more of them might be pointless.

It looks like there some gaps between 79 and 97. If she was a homemaker caring for a child/children between 95 and the time she returned that would help her to qualify. Also if as WBBS has said if her last contribution was D rated there's no point signing for credits.
If she gets a couple of A contributions (by getting some even temporary/par-time work) she could then sign for credits to enhance her pension.

Hopefully she may be entitled to a half rate pension but who knows what changes are on the cards