US, joint pensions with Ireland

silemariem

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I will be retiring within two years- does anyone have any information on joining up years worked in the US with years worked in Ireland in order to receive pension/social security from both countries - I am a US citizen living in Ireland and I also hold Irish citizenship I have worked 8 years in the US and 20 years (so far) in Ireland.
Where is the best place to get information? Thank you for any responses received!!
 
Have you tried AI?

I'm in a similar position, but further from retirement. I've been using it to familiarise myself with the topic so I'm prepared when the time comes. You have to be sceptical with AI, but I plan to verify the information with official sources when coming closer to retirement.

#### **1. Minimum Requirement for U.S. Social Security**

Normally, to qualify for U.S. Social Security retirement benefits, you need:

* **40 credits**, which is equivalent to about **10 years of work** in the U.S.
* You earn up to **4 credits per year**, so 8 years likely gives you **32 credits**.

#### **2. Totalization Agreement Between the U.S. and Ireland**

Since you don't meet the 40-credit minimum, the **U.S.-Ireland Totalization Agreement** allows you to **combine your U.S. and Irish work credits** to meet the eligibility requirement.

* If your combined Irish and U.S. work credits meet or exceed the 40-quarter threshold, you can **qualify for a prorated U.S. benefit.**
* You **won’t receive full U.S. Social Security**, but you’ll get a **partial benefit based on your actual U.S. earnings**.

#### **3. Applying for Benefits**

* When the time comes to retire, **contact the social security administration** in either country.
* If you live in Ireland at retirement, you can apply through the **Irish Department of Social Protection**.
* You’ll need documentation of your work history in both countries.

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### Summary

* ✅ **Yes**, with the help of the totalization agreement, you **can likely qualify**.
* You’ll get a **reduced benefit** based on your U.S. work record.
* When retiring, you must **explicitly apply under the totalization agreement** if you don't meet the 40 U.S. credit requirement alone.
 
I suggest that you contact the Records Office of the Department of Social Protection, based in Buncrana Co. Donegal
Give them your US employment details/history. They may be able to advise you as to your best options.
 
I am very interested in this also
I thought you need the 10 years creedit to even qualify but now i can make up these 10 years with irish prsi credits
i would like to know do i need the full 40 irish credits
i will have only 36 years prsi credits so can i use some of these to add to the 4years i worked in the states and get a pro rata pension based on earnings while i worked in the US and still get the 36/40 years pension in ireland
and also im buying the national insurance credits fron the uk have 30 so far so can I use some of these to make up short fall on the US side also
thanks for any forthcoming replies this site is invaluable
 
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