Public service Class A integrated pension query

B

blanketyblank

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Hi I am nearing retirement and will be retiring on a Class A integrated pension - part of Department of Education / Part social welfare
I really just want to make sure I'm doing this correctly having had good advice here previously. I won't have 40 years done.

Am I correct in the following??

On getting my retirement pack I decide between signing on for JSB - Which will give me credits.
OR Supplementary Pension - if I select this I can go in the day after retirement and sign on for credits which I'll have to do once a year.
In my case I've been told there isn't much difference between the two money wise.

I've already gotten my public services card - as advised on here.

Is there anything else I should be aware of / doing? I have found the whole process difficult and advice from anyone who's been through it OR who knows about these thing greatly appreciated.
 
blanketyblank said:
In my case I've been told there isn't much difference between the two money wise.
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For the 39 week period after you retire.
Pay related jobseekers benefit could be a maximum of €14725
Maximum suplimentary pension would be less than €11282.70

Difference €3342.30 +
 
That's quite a difference. Is there any mechanism in place to recoup that shortfall for those forced onto the 9 months jobseekers previously?
 
Thanks. Indeed. I have been in touch with union on the whole post 1995 debacle for a couple of years now and glad to hear something has changed for others coming through it. However they didn't go far enough as we all know!! I'll send more emails.....
 
blanketyblank said:
Is there anything else I should be aware of / doing? I have found the whole process difficult and advice from anyone who's been through it OR who knows about these thing greatly appreciated.
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Having retired from DOE in 2020, supplementary now ended at SCP age, these are a few tips, that might help.

1. Ensure you check out form ASC12, as you may be entitled to a partial refund in the year of your retirement for the ASC contributions paid, as thresholds may not have been met if you have retired mid-year, only due if retiring/leaving or not re-entering the Public Sector.

2. Ensure if any deductions are made against your lump sum like S&C, pension arrears etc, that you claim the relief from Revenue via my enquiries. Just upload the revenue approved document given by PS employer, if done in same tax year, you may have to re-assign your tax credits/allowances, as potentially in the year of retirement you will end up with two employers - (1) the one you have just retired from, and (2) your now new pension provider employer.

3. Presuming you have now also set up a My.gov account, as it is easier to access myaccount on Revenue, and mywelfare, on Social Welfare.

4. Be sure to check out the estimated entitlements which will be forwarded to you prior to your retirement date, and more importantly that you understand all. Any questions, follow them through immediately with the pension unit.

If you have insufficient PRSI credits for the full potential 100% maximum state contributory pension, at state pension age, the wonderful advice on here has truly been amazing, and you would struggle to find such clarity anywhere, so well done AAM posters.
Wishing you all the best on your retirement.
 
S class said:
For the 39 week period after you retire.
Pay related jobseekers benefit could be a maximum of €14725
Maximum suplimentary pension would be less than €11282.70

Difference €3342.30 +
Click to expand...

While 39 weeks on the NEW Pay Related Jobseekers benefit, provided all conditions are met, 13@€450 max+13@€375 max and final 13@ €300 max, yields a total of €14,625, this is deemed as annual and if one had full 40 years actual service with PS/CS sector, his/her supplementary pension (OSP) in this year (2025) of retirement would have been calculated at €289.30x52.18 = €15,096
Therefore, his/her partial supplementary pension (OSP) will now be €471, (15096-14625) which equates to €18.05 per fortnight , excluding any national wage % increase agreements, during the 9 months in receipt of PRJB, as they have received less than their personal max SCP.
(Based on Pre95, €70,000 final salary /40 yrs actual service = €35,000 annual pension)
(Post 95, €70,000 final salary/40 yrs actual service = Occupational €19904 + Relevant Benefit (PRJB) €14625 + OSP €471)
It will be interesting to see how this NEW PRJB will be handled with the new upcoming retirees.
 
At what stage do they send out your entitlement statement? so you can decide between JSB and supp pension?
How many weeks prior to the retirement date?

I thought I would have had it by now!

I've also been told we don't get pay related JSB. This is correct, is it?
 
@Blankeyblank, I retired on 31st August 2020, and my entitlement statement was issued to me on the 20th July, (First one) with Department of Education, followed by a second one issued 13th August, and then a final one on the 31st August.
Who told you that you won't get the PRJSB? Even though I suspected the DSP would not allow this?
When are you due to retire? How many years of actual service have you got?
 
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Apologies, upon looking over my posting #8, despite mentioning calculations were done annually, I mistakenly used calculations for the PRJB based on the 39 weeks, as opposed to 52.18 wks, which was incorrect. Sorry for any confusion.
 
Although I retired a couple of years ago, I know that colleagues who are retiring this year (and not planning to work anywhere else) are pretty well all claiming the pay related JSB, especially if over 62, as DSP don't normally require proof that you are 'actively' seeking alternative employment (not sure what their approach is for those retiring under 60 e.g. Gardai and firefighters who can retire with full benefits after 30 years actual service from age 55).

Nine months pay related JSB and three months full Supplementary Pension (after JSB ends and assuming full 40 years service) would total approx. €18,386 for the first year of retirement. A full year of Supplementary Pension only (again assuming full 40 years service) would total approx. €15,096.

In addition, while USC is payable on the Supplementary Pension (as part of a public service occupational pension), it's not payable on JSB.
 
Thanks My union said that although some people on retirement did get JSPRB it was later taken off them as they weren't entitled to it and the money taken back!

Just curious is it the same form as for just JSB?

Fionclaire Judging by when you got your statement I should already have mine so I'll ring tomorrow

Thanks
 
@blanketyblank , many thanks for the feedback. That is an interesting development on an already convoluted Pension Scheme, in particular to the Supplementary Pension (OSP)
Perhaps article 68KC, item 6, point (iii) had that loophole covered - "Minister will have regard to identity of the employer".
As there is no way they would have allowed this payment of €14,625 over a period of 39 weeks, averaging at €375 pw, when the maximum payable in this year of retirement is €15,096, and that is based on a full 40 years actual service.

Social Welfare (Miscellaneous Provisions) Act 2024, Section 13

The electronic Irish Statute Book (eISB) comprises the Acts of the Oireachtas (Parliament), Statutory Instruments, Legislation Directory, Constitution and a limited number of pre-1922 Acts.
www.irishstatutebook.ie
If you are to retire soon, I would most certainly follow up with them.
If in doubt what form to use, if any, call into the Intreo offices, they are very helpful.
Hope all goes well for you.
 
I haven't heard of anyone getting the pay related JSB taken back off them, but @Fionclaire makes an interesting point. If pay related JSB has been recovered by DSP from retired civil/public servants, it's a surprise that there hasn't been any publicity in the press or on social media.
 
@Pont62, it remains to be seen how the PPA deals with this NEW PRJB, as I personally think your colleagues retiring this year will be in for a massive shock and reduction in their overall income for the remaining 13 weeks, once they come off the PRJB.
The maximum OSP is indeed €15,096, (€289.30 x 52.18) assuming 40 years actual service and if they have received €14,625/39 (averaging €375
pw) of it through the DSP, the shortfall will only be €471 to be spread over the remaining 13 weeks in this, their first year of retirement.

Or will the PPA at the end of the 39 weeks, not even entertain this partial OSP, but rather determine as one was on average getting €375 pw, (x52.18 €19567.50) and are therefore, not eligible for the Occupational Supplementary Pension (OSP) at that point in their first year of retirement.
Only a matter of time as this whole debacle gathers momentum, will it then be in the public domain.
 
Hi @Fionclaire,
Until we know more about this it is difficult to come to any conclusions.
The union told @blanketyblank that JSB payments had been recovered from retirees, but by whom? Was it DSP by demanding repayment, or the public service pension provider by adjusting supplementary pension entitlement for the last three months of the first year of retirement(as you suggested)?
If the public sector pension provider is involved in this process then surely DPER would have been consulted by DSP, and agreed to this, and then issued appropriate guidance to all concerned.
I know that retirees are being advised to claim PRJSB, so that suggests that most pension providers are not aware of this potential 'overpayment' of issue.
 
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