So your retirement age will be 67, per current rules, in 2026.
- If you were born on or after 1 January 1955 the minimum qualifying State pension age will be 67.
- If you were born on or after 1 January 1961 the minimum qualifying State pension age will be 68.
Currently the contributory State Pension is calculated from the year you started paying Prsi (95/6), and averaged over the period until the end of tax year before you reach retirement age (2025).
Per your record above you have 796 contributions so far, over 22 years. That's an average now of 36 per year.
If you continue to have 52 contributions per year to the end of 2025 you would have 1264 contributions over 31 years, an average of 40.8. Current rates of payment would be €228.70 per week.
If you were on a back-to-work scheme between 1998 and 2001, there could be credited contributions which have been missed. Is the record possibly faulty in 2004/5? If you were working those years you should write back to the department with whatever details you have.
Depending on the rules of the other country you worked in for 15 years, you may be due a pension from there, or the two records may have to be combined.
As you said, there are proposals to change the calculation here, with a full pension being awarded for 30 years Prsi contributions, and a pro-rata system for lesser periods worked.
We can't see into the future, but your position under either current rules or proposals would seem comfortable.
So your retirement age will be 67, per current rules, in 2026.
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