PRSI Rate

Thank you. I think what I need to now is to look back at her record of contributions and work my way through to understanding pensions etc. Thanks again for the guidance on this one ..
The fog is lifting slightly... it's still a little bit of a roller coaster .... if it is that complicated would professional assistance be a help? Do you have an opinion on that?

Yes it would be helpful to have the records of her PRSI contributions and also her superannuation record. I understand my own circumstances well, and my HR department were very helpful to me. Her HR department should be able to help with her superannuation record. Does her current employer have the information about her previous employment? Or are they still separate?
It's a few years since I had to make any enquiries for myself, so I can't recall all the details. I have no idea whether professional advice would be necessary. Public sector pension schemes vary depending on when service commenced, and I dont know how easy it would be to find an advisor who understands them!
If you look at the Askaboutmoney Pensions forum, there is a section specifically for public sector pensions which is useful.

Perfect. I'll come back with details of the resolution as it happens and perhaps as I work my way through this if I need some light you might be able to shed some where needed .. thanks again to all.