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How many contributions do I need for full pension?

Yes, I paid the relevant pension requirements during this time. I was a clerical officer in the Civil Service during the 4 years prior to teaching.

Can you explain bolded part please?

Plenty of food for thought!! Thank you! A question regarding the supplementary pension....is this added onto the Dept pension. For example retiring at 60 would be 7950 plus 9400?? I don't think that 55 is realistic based on feedback!! Would buying years , (is it notional service??) an option...

Hello Im looking to see if I can retire early. My background... Im aged 45 and a Primary School Teacher currently earning 55K. I subbed (teaching) in fixed term contracts, sept-June, for 4 years before qualifying 10 years ago. Been in a permanent contract since 2010. Prior to this I had about 4...

Thank you so much Snowyb. Would other providers offer a better policy is Laya the best option? You're such an asset to this forum.

Hello My renewal is up pn 1st February. Im currently with Laya Simply Connect for myself and my wife. No kids. Mid 40s and in good general health. Id be happy to spend and extra 100 euro or so to get better cover or is staying with the current plan as good a policy? Many thanks

Well it's that time of year again. The renewal is up at the beginning of next month. Could somebody advise on current policies which might suit please? I went with the Simply Connect policy last year for myself and my wife. Is this still best value? I'd be willing to upgrade slightly (100-200)...

Hi Snowyb My renewal is the 1st of February. Are the policies that you recommended above still the best options for me do you think? Edit, Im also a primary school teacher so if there are any group plans available that I should be aware of please. Thank you

Thank you so much Snowyb Do you think I should wait until closer to my renewal date to change or go ahead now?

Hello All I got an email today reminding me that my renewal is in February. The renewal is €183.46 for us both. Both our details have remained unchanged and neither have we made any claims. Is the Flex 500 plus still the best plan for us? I checked the HIA website but only succeeded in...

Hello Some advice needed please. I'm a civil servant in permanent employment and my wife is unemployed. We have no children. My income is 55k gross. She was self employed up until March 2017 but due to lack of income it was not feasible to continue. She paid all taxes during this employment...

She has 5 years previous employment when her employer paid prsi contributions. 1 year on dole when let go from above employment. 2 years Back to Work Allowance when she set up her business. 4 years self employed with no prsi contributions. No investment income. Ive a small AVC worth about...

If Im reading the conditions correctly in order to qualify for voluntary contributions you need 520 prsi contributions. She has not got that. So she will be sponging ;) from my pension as she will not qualify for anything else. Am I right in saying that?

No children.

Some advice if you will. My wife had been self employed (part time) for the past four years. She declared everything and was averaging about €5k pa. It wasn't much but paid a bill or two. Last March she closed up as it wasn't feasible to continue anymore. She has no plans to return to the...

Is it because of a direct debit charge?

Thank you Snowyb. You are very good to be helping people out. Edit: I went with the Flex 500 Plus. Can anyone tell me why/how when first clicking on the plan it says that it will cost €145.96 per month for us both, but then when I enter the renewal date 14th February that cost jumps up to...

Hello. I really need some advice regarding my health insurance renewal. I have tried doing my own research on the HIA website, here and other online resources. I am currently struggling to understand policies and their jargon. I am 42 male married. Wife is 39. Neither are smokers or have any...