Eoghanowens
Registered User
- Messages
- 19
Thanks for that, but, all I am looking for in advice is the social welfare part where I can reach 66 and then live on my pension (our)...You need to provide a lot more detail on your overall financial position at retirement including your wife's. I would not be comfortable retiring at 60 with a pension pot of 100k with inflation running at 5%. That 100k will be worth considerably less in real terms in 4 years time.
I have looked at that and find it like a minefield, I am getting the impression that I would be able to make a claim every year I return, even if it is means tested we would get enough to survive here and use my pension release for abroad, I am not going to spend the initial 25k from pension but use it for living abroadIf you are applying for Jobseekers Allowance, as well as the means test that Conan mentioned (which will include savings and other income you or your wife may have), you will also have to meet the habitual residence criteria.
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The habitual residence condition
You must be habitually resident in Ireland to qualify for social assistance payments. What is the habitual residence rule and how do you satisfy it?www.citizensinformation.ie
I am not going to be claiming social while living in France. I will be looking for work and will be available for the 6 months while I live back here in Ireland, that will happen for 3 or 4 years depending on finance and health.I am no expert on social welfare but it seems to me that Conan has laid it all out. You are entitled to Jobseekers for 9 months and then it is means tested afterwards. I don't think you can get an exception because you are living in France for 6 months of the year. That would mean you are not actively seeking work nor are you available.
So, basically your saying that I can't go away for 6 months and expect to get social welfare when I return.It's not an a la carte menu. You are either available for work or you are not. They won't pause it and turn it back on. Impossible to administer.
As I said, I am not an expert, so I could be wrong. But I do know that you have to apply to welfare when you become unemployed. If you waited 6 months, they may very well just pay it for 3 months. When I was unemployed, they gave out to me for applying 3 days past when I should have.So, basically your saying that I can't go away for 6 months and expect to get social welfare when I return.
I strongly suspect that owning a holiday home in France, taken together with your other assets, would mean that you would fail the means test for jobseekers allowance but we would need further details to be definitive.If I cannot find a job am I entitled to claim Jobseekers allowance or would I be looked at as not looking for a full time job and therefore not entitled to claim assistance.
62 is when you do not need to provide Social with proof that you are seeking work, you are deemed to "old" to be employable with ease.What is the significance of age 62 ?
I don't have a house in Ireland, I live with my Daughter and pay a modest rent that I won't have to pay while in France. I won't be selling my house in France as that is my full time living when I retire fully. I expect that I can live from age 61 to retirement at 66, 5 years on my pension and savings. I'm not going to put myself in a position whereby I have run out of money by 64 say, I intend to have enough to last me till 66 and then I can live of the state pension of €500 for both me and my wife.I strongly suspect that owning a holiday home in France, taken together with your other assets, would mean that you would fail the means test for jobseekers allowance but we would need further details to be definitive.
TBH, I think your current plan is overly ambitious/risky given your relatively modest retirement savings. Would you consider selling your house in Ireland and living off proceeds in France (or vice versa)?
Understood.I don't have a house in Ireland, I live with my Daughter and pay a modest rent that I won't have to pay while in France. I won't be selling my house in France as that is my full time living when
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