Contributions for Irish pension.

Good afternoon.
I'm looking to the wise heads on here.
Mrs Nobody will be 66 later this year.
According to her on-line My Gov account she has
Total Pension contributions 52.
Paid contributions 385
Reckonable Credited contributions
for Pension 430
She received an email this morning about applying for the state pension.
She worked for the HSE and was under the impression that she would not qualify.
Can someone make sense of the above numbers.
Thanking you in advance.
Mr Nobody.

Can you take a picture of the statement and attach it? Or a screenshot?

Would be easier for all of us to interpret it

Did she join the public service before April 1995?

It looks like she has been paying PRSI at class D, which does not build up an entitlement to a State Pension.

What is the class K about?

Your statement seems to be incorrect.
It shows Reckonable Contributions for Pension as total 0
This should be showing at least 52.

It shows 385 paid contributions.
Can you post the full record so it can be determined if these are Reckonable paid contributions.

K is for unearned income, such as rental as far as I know.
Its the Reckonable Credited contributions
for Pension 430.
What does that mean?
I just found this,

Once you have at least 520 reckonable contributions, you will qualify for a rate of State Pension (Contributory).
Have enough PRSI contributions - these can be paid, credited and voluntary contributions - see 'How to calculate your State Pension (Contributory) rate in 2025' below

I think the very best she can hope for is a Pro Rata Pension, and this may be impossible at age 66 from the above statement.
https://www.citizensinformation.ie/en/social-welfare/older-and-retired-people/pro-rata-pensions/

She will need a min of 260 full rate contributions, These are Class A's (Employee - 3 are shown) or Class S's (Self employed - 52 are shown)
She has enough modified rates to qualify
She can now pay PRSI to age 70 to help qualification, if the Class S's are from an ARF, this may be the best option.

Class D's or K's are not much use for benefit purposes.
A summary of the benefits of each class can be found here
https://www.gov.ie/en/department-of...classes-of-pay-related-social-insurance-prsi/

Here is the full record!
Courtesy of Cecil B DeMille.

Your Contribution Statement
Below are your Social Insurance Contributions as recorded by the Department. While every effort is made to ensure the information is accurate, the Department will not take responsibility for any incorrect information and the record may not necessarily reflect all recent amendments. Entitlement to a benefit or pension can only be determined when a claim is submitted

Year

Total Pension Contributions

Paid Contributions

Credited Contributions

Long-Term Carer's Contribution

Reckonable Contributions for Pension

Reckonable Credited Contributions for Pension

Total: 385





Total: 0

Total: 430

Total: 25

2024 52 52 M, 1 J, 3 A, 52 S - 52 -
2023 - 27 D, 28 M, 52 K - - -
2022 - 52 D, 52 K - - -
2021 - 52 D, 52 K - - -
2020 - 52 D, 52 K - - -
2019 - 52 D, 52 K - - -
2018 - 52 D, 52 K - - -
2017 - 52 D, 52 K - - -
2016 - 52 D, 52 K - - -
2015 - 52 D, 52 K - - -
2014 - 48 D - - -
2013 - 52 D - - -
2012 - 52 D - - -
2011 - 52 D - - -
2010 - 52 D - - -
2009 - 52 D - - -
2008 - 52 D - - -
2007 - 52 D - - -
2006 - 52 D - - -
2005 13 39 D, 52 S - 52 -
2004 21 31 D, 52 S - 52 -
2003 - 52 D - - -
2002 - 52 D - - -
2001 - 52 D - 0 - -
00/01 - 52 D - - -
99/00 - 52 D - - -
98/99 - 52 D - - -
97/98 - 52 D - - -
96/97 - 52 D1 - - -
95/96 - 52 D1 - - -
94/95 - 52 D1 - - -
93/94 8 8 A1 - 8 -
92/93 - 25 D1 - - -
91/92 - 26 D1 - - -
90/91 - 52 D1 - - -
89/90 30 30 A1, 5 D1 - 30 -
88/89 - - - - -
87/88 - 52 D1 - - -
86/87 - 52 D1 - - -
85/86 - 52 D1 - - -
84/85 13 13 A1, 36 D1 - 13 -
83/84 42 31 A1 11 31 11
82/83 - - - - - -
81/82 21 20 A1 1 20 1
80/81 52 52 A - 52 -
79/80 50 50 A - 50 -
78/79 52 39 ORD 13 39 13
77/78 31 31 ORD - 31
Contributions that count towards State Pension Contributory: A, E, F, G, H, N, S, ORD, V1, V3, V4

Contributions that don't count towards State Pension Contributory: J, K, L, M, P, V2, B, C, D, WOPS

I'm Nobody said:

Here is the full record!
Courtesy of Cecil B DeMille.

Click to expand...

?

He made very very long films.

If you could screenshot the actual Prsi record it would be easier to figure out.

She appears to have 385 full rate paid contributions.
She can qualify for a pro rata pension based on this.
If she gains 520 full rate paid she will get a higher pension.
She needs an extra 135 paid contributions.
She can defer her pension beyond age 66.
She could get 52 class S for 2025 and another 52 for 2026 and 52 in 2027.
She could then apply for a higher pension in 2027.

Is she getting her class S Prsi contributions from an ARF or from earned self employment ?

If she cannot get extra class S, she could pay voluntary Prsi for these extra years.

Thanks everyone for their input.
I have tried to take a screen shot, but its beyond my computer skills.
It appears Mrs Nobody has,
156 S
102 A1
102 A
70 ORD
That's comes to 430 as S has said.
Also there are 25
Reckonable Credited Contributions for Pension.
It looks like the defer pension is the way to go.
Thanking you all once again on this wonderful website.

I'm Nobody said:

I have tried to take a screen shot, but its beyond my computer skills.

Click to expand...

You can request a PDF copy of her PRSI contribution statement via myWelfare
and then upload it here after redacting or cutting out any personal details.

Year Total Pension Contributions Paid Contributions Credited Contributions Long-Term Carer's Contribution Reckonable Contributions for Pension Reckonable Credited Contributions for Pension
Total: 385 Total: 0 Total: 430 Total: 25
2024 52 52 M, 1 J, 3 A, 52 S - 52 -
2023 - 27 D, 28 M, 52 K - - -
2022 - 52 D, 52 K - - -
2021 - 52 D, 52 K - - -
2020 - 52 D, 52 K - - -
2019 - 52 D, 52 K - - -
2018 - 52 D, 52 K - - -
2017 - 52 D, 52 K - - -
2016 - 52 D, 52 K - - -
2015 - 52 D, 52 K - - -
2014 - 48 D - - -
2013 - 52 D - - -
2012 - 52 D - - -
2011 - 52 D - - -
2010 - 52 D - - -
2009 - 52 D - - -
2008 - 52 D - - -
2007 - 52 D - - -
2006 - 52 D - - -
2005 13 39 D, 52 S - 52 -
2004 21 31 D, 52 S - 52 -
2003 - 52 D - - -
2002 - 52 D - - -
2001 - 52 D - 0 - -
00/01 - 52 D - - -
99/00 - 52 D - - -
98/99 - 52 D - - -
97/98 - 52 D - - -
96/97 - 52 D1 - - -
95/96 - 52 D1 - - -
94/95 - 52 D1 - - -
93/94 8 8 A1 - 8 -
92/93 - 25 D1 - - -
91/92 - 26 D1 - - -
90/91 - 52 D1 - - -
89/90 30 30 A1, 5 D1 - 30 -
88/89 - - - - -
87/88 - 52 D1 - - -
86/87 - 52 D1 - - -
85/86 - 52 D1 - - -
84/85 13 13 A1, 36 D1 - 13 -
83/84 42 31 A1 11 31 11
82/83 - - - - - -
81/82 21 20 A1 1 20 1
80/81 52 52 A - 52 -
79/80 50 50 A - 50 -
78/79 52 39 ORD 13 39 13
77/78 31 31 ORD - 31 -

This is my latest effort.
88/89 she was volunteering aboard.
As well as some part of 92.
She will making contact with Cormhlámh as she has some memory of talk of stamps being paid.
Also probably 42 S for this year for rental income.
I came across the National Pension helpline over the weekend and we will make contact with them as well.
Didn't know that website existed.
Mrs Nobody has also topped up her UK pension as well.

The best guess I can make is that she has 360 Reckonable paid contributions and 25 reckonable credited contributions.

While she has 156 class S contributions on her record some of these are not reckonable.

For 2004 she has 21 reckonable class S
For 2005 she has 13 reckonable class S
She only gets reckonable class S to fill in the gaps in her class D contributions for these 2 years.
Therefore her total reckonable class S is 86.
She has 70 less reckonable class S.

430 seems to be her total full rate paid contributions.
430 - 70 then gives a total of 360 reckonable paid contributions

If this is all correct she is short 160 reckonable paid contributions if she wants to try to reach the 520 reckonable paid contributions target.

Did she start an ARF in 2024 ?
She seems to have 52 class S reckonable for that year.
If these 52 contributions were from rental they would have converted to class K. If she has an ARF these rental Prsi contributions would remain at class S.

For this year she will have either 52 class S or 52 class K from her rental. Again this will depend on whether she has an ARF or some earned self employment.

Mrs Nobody did start an ARF, but she retired in June 2023.
So I imagine that the ARF started in 2023?
She will be 66 in October, so would that be only 42 for this year?
Thank God one only has to do this once, and thanks to S class and everyone else on askaboutmoney.

If the combined amount of her ARF drawdowns and rental income is at least 5k per year, she will get 52 class S for each year.

If she claims her COAP on her 66th birthday she will cease paying Prsi after age 66.

She will probably get 52 class S for 2025 regardless of whether or not she claims her COAP on her 66th birthday. This is because Prsi is deducted monthly from her ARF drawdowns.

Class S is either 52 contributions or zero contributions per year.
She might have to notify DSP to tell them that she has class S contributions for 2025.

She can include a note about this with her COAP application.

She would be able to get extra Reckonable Prsi contributions from her combined ARF and rental income up to age 70 if she defers her COAP.

It would be worthwhile to calculate how much extra pension she would receive if she reached a target of 520 Reckonable paid contributions compared to what she would get at age 66.

She could apply for her COAP at age 66. This will give her an accurate pro rata pension calculation.

If it then turns out that she is better off to defer she is allowed to reject her COAP provided that she has not received any pension payments.

If she is considering a possible deferral after applying, she should ask for payments to her local post office. This gives more time to calculate out if she is advantaged by deferring. She would have full power to avoid collecting any payments.

If you posted back here when she gets her pension calculation I could work out what she would receive if she was to defer until she reaches 520 paid contributions at a future date.

I'm Nobody said:

I came across the National Pension helpline over the weekend and we will make contact with them as well.
Didn't know that website existed.

Click to expand...

Just be aware that this isn't a Government or Offical service.

As the small print explains "NationalPensionHelpline.ie is an information-only website and does not provide direct financial advice. By submitting your information through the platform, your information is sent directly to our pension advisor partners who are regulated by the Central Bank of Ireland."

Ok, thanks for pointing that out.
It looked very government.ie to the untrained eye.

While I’m in the mood, I went on the GOV.UK website app and signed up Mrs Nobody.
A small bit of fiddling, but got an instant forecast for her pension later this year.
I suppose we don’t have anything similar here?