Contributary Pension Gap question

[Spud50]

i worked for 40 years and then retired , in that 40 years i have 1894 Stamps , i have not paid any PRSI since i retired 4 years ago and will be drawing down my private pension at the end of this year , where i understand i will be making a class S contribution.

by my recking i will have an average of 48 (47.95) stamps per year , so should i be entitled to the top rate and more importantly will the 4 year gap of not making and Stamp contribution have any impact on my Contributary pension?

 

[Defacto]

I came across this site recently while trying to help a relative forecast their pension entitlements. Fill in your details and see how you fair out.

https://mystatepension.ie/#estimator

 

[Savvy]

I came across this site recently while trying to help a relative forecast their pension entitlements. Fill in your details and see how you fair out.

https://mystatepension.ie/#estimator

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[Robovac rider]

Average 48 alone no longer gets you full COAP.
This is because of the phasing out of the averaging system.
Will your class S contributions bring you up to a total of 2080 before your 66th birthday?

 

[Spud50]

yes @Robovac rider , i reckon my class S contributions will bring me up to a total of 2190 before my 66th birthday , does it matter about the 4 year gap before paying the class S contributions?

 

[Robovac rider]

Hi @Spud50

With 2080 or more you will qualify for the full rate COAP.
The gap doesn't cause any reduction.

 

[Spud50]

thanks for the clarification @Robovac rider