I guesstimate that my PS pension will be less than the state pension, so that after that is deducted, do I get nothing more.
Your PS pension is not deducted from your State Pension (no matter how much or how little your State Pension should turn out to be awarded). The PS pension is done by a separate computation. Yes, you will get a benefit from the PS contributions you are paying at the moment (At the very least you will get the lump sum). I can't even guess how much as you do not give enough information.
For a rough indication of how much just follow the steps I suggested:
A1. Work out how much
whole-time equivalent service you should have at retirement (lets say 7 years).
A2. Work out your
current whole time equivalent salary ( Lets say you are currently getting €24,000 for working half-time. Then you whole time equivalent salary is €48,000).
A3. Divide your WTE salary by
80 and then multiply this by your whole time equivalent years at retirement ( eg, €48,000 *7/80 =
€4,200).
B1. Now take the current
full State Pension rate (€13,795). Divide it by 40 which gives €344.90. Multiply this by your
whole time equivalent service at retirement. (In my example this is 7 years so we get €344.90 * 7 =
€2414).
Now substract B1 from A3. In my example this is €4200 - €2414 =
€1,786.
So a person on a whole time equivalent career average salary of €48,000 and who will have 7 years whole time equivalent service at retirement should very roughly be looking towards a Public Service pension of
€1,786 pa. (This could be 14 years half time at €24,000 pa).
This €1,786 PS pension is separate from, and in addition to, whatever State Pension he qualifies for from the DSP. The PS lump sum is also additional.
You can put your own figures into this formula to get your own rough estimate. I suggest you use your current whole time equivalent salary - instead of trying to estimate your career average salary.
Or if you want to put up your details of current earnings and work pattern I will give it a go.
If your
whole time equivalent salary is less than twice the full State Contributory Pension (ie, currently €27,590) then your PS contributions may essentially only qualify for the lump sum ?? Not much more anyway.