http___www.welfare.ie_ga_Pages_State-Pension-Non-Contributory---Frequently-Asked-Question.aspx_1.xml
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INTERNAL GUIDELINES FOR THE PROCESSING AND SUPPORT OF CLAIMS INDEX PART 1: ENTITLEMENT Description of scheme Application forms and information leaflet Legislation Administration Main conditions to qualify Qualifying conditions in detail What is Weekly Family Income? How is Weekly Family Income calculated? How much WFP is payable? How long is WFP payable? When and how is it paid? PART 2: CLAIMS, INVESTIGATIONS AND DECISIONS PROCEDURES Signing of the Declaration Timing of processing Outstanding Information / Documentation Decision Prescribed time for making an application Debt PART 3: POST DECISION PROCEDURES Duration of payment Suspension of payment Re-instatement of payment Swap Changes in circumstances after award Relationship Breakdown Back-dating Review / Appeals PART 1: ENTITLEMENT Description of Scheme WFP, which was introduced in 1984, is a social welfare payment which provides an income support for employees on low earnings with families. As of the 1st January 2018, WFP will be renamed Working Family Payment (WFP). Application Forms and Information Leaflet There are 2 application forms. New applications are made on a form WFP1. Renewal applications are made on a form WFP 2. The WFP information leaflet is SW 22. Legislation The main provisions are contained in the Social Welfare (Consolidation) Act 2005, as amended, primarily Part 6, Sections 227 to 233 and in the Social Welfare (Consolidated Claims, Payments and Control Regulations) 2007 to 2017, as amended, primarily Part 6, Articles 172 to 177. Administration New WFP applications are administered by: Working Family Payment Section, Department of Employment Affairs and Social Protection, Government Offices, Ballinalee Road, Longford. Renewal applications are administered by: Working Family Payment Section, Department of Employment Affairs and Social Protection, St Oliver Plunkett Road, Letterkenny, Co. Donegal. Qualifying Conditions - The applicant(s) must be engaged in full-time remunerative employment as employee(s). - The applicant(s) must have at least 1 qualified child, who normally resides with them or is part of a family wholly or mainly supported by them. - The Weekly Family Income must be less than a set limit for their family size. Qualifying Conditions in detail The applicant(s) must be engaged in full-time remunerative employment as employee(s) There are 4 parts to this condition: This employment must be ‘full-time’. This is defined as not less than 38 hours every fortnight. Any combination that reaches 38 hours each fortnight is acceptable. The applicant could work week on/week off, e.g. 38 hours one week and none the next. Or they could work 19 hours each week or 10 hours one week and 28 hours the following week; as long as they work 38 hours every fortnight they can satisfy this condition. In addition, if the applicant has a spouse, civil partner or cohabitant, their hours of employment can be combined to satisfy the 38 hours every fortnight as long as their hours also fulfil the 4 parts of the condition that they are engaged in full-time remunerative employment as an employee. If the hours of employment work out at less than 38 each fortnight, the application will be refused. The employment must be expected to last at least 3 months. The employment must be ‘remunerative’. This means that it must be paid employment. Voluntary employment or unpaid work cannot be used to satisfy the condition of being engaged in full-time remunerative employment as an employee. For example if an applicant works 15 hours each week in Dunnes’ Stores and works 5 hours a week as a voluntary counsellor, they will not satisfy the conditions to qualify for WFP as they are only engaged in full-time remunerative employment as an employee for 30 hours each fortnight. The employment must be ‘as an employee’ WFP is a supplement for low paid employees. It is not payable to self-employed people, unless they also have paid employment as employees for at least 38 hours each fortnight, in addition to their self-employment There are other social welfare payments available to the self-employed such as the Back to Work Enterprise Allowance or Jobseeker’s Allowance for the self-employed. Employees are employed under a contract of service. Note: Applications can succeed from people who are employees of their own limited company. The matter would normally be referred to a local Social Welfare Inspector for 2 reasons: To ensure that they are a genuine employee. This may require a referral to the Department’s Scope Section, if a decision on the insurability of this employment has not already been given. To determine what other income(s) the applicant and their spouse/civil partner/cohabitant (where applicable) are taking from the company. Full-time remunerative employment as an employee specifically excludes a number of employment schemes/incentives, such as Community Employment Schemes, Rural Social Economy, Workplace, Tús, JobBridge, Rural Employment Scheme, Gateway and Partial Capacity Benefit. Note: Under EU Regulations, the Competent Authority that deals with a Family Benefit is determined by the EU State in which the worker pays their Social Insurance. Accordingly, claims for WFP are only acceptable from workers who are paying their social insurance to the Irish State. If an employee pays their social insurance to another EU State, it is to that State that they should make a claim for Family Benefits. The applicant(s) must have at least 1 qualified child, who normally resides with them or is part of a family wholly or mainly supported by them A qualified child is one under 18 years of age or a child between the ages of 18 and 22 who is attending full-time day education. The applicant can claim for a qualified child who normally resides with them. If a child is in college, they are still considered to normally reside with their parent(s). If an applicant has a child living with a former spouse, civil partner or cohabitant, they can claim for WFP in respect of that child provided that the WFP applicant is wholly or mainly maintaining the former spouse, civil partner or cohabitant. ‘Wholly or mainly maintaining’ means that the other adult does not have an income in their own right in excess of €100 per week, is not cohabiting and is not in receipt of a social welfare income support payment in their own right. The Weekly Family Income must be less than a limit for their family size There are set income limits for each family size. Family size is determined by the number of qualified children. Weekly Family Income must be below these set income limits in order for an applicant to qualify. The current limits are as follows: What is Weekly Family Income? Weekly Family Income is the amount of all income received in a week by a family. Examples of family income are earnings, social welfare payments, maintenance payments, income from self-employment, rental income, farm income or any contribution to your household from an ex-spouse, ex-civil partner, ex-cohabitant or the parent(s) of any of your children. When applying for WFP, all income must be disclosed. The following are deducted from the Weekly Family Income: Income Tax Pay-Related Social Insurance (PRSI) The Universal Social Charge (USC) Superannuation or pension-related deductions from salary Income of a child The following are disregarded when calculating Weekly Family Income: - Child Benefit - Death Benefit (Orphan’s) Pension - Domiciliary Care Allowance - Guardian’s Payment (Contributory) - Guardian’s Payment (Non-Contributory) - Payments from the HSE in respect of a child who is boarded out. - Rent Allowance - Supplementary Welfare Allowance - Any income received under Scéim na bhFoghlaimeoirí Gaeilge, in respect of a person who is temporarily resident with the applicant, together with any other income received in respect of such temporary resident - Any payment or payments made directly or indirectly by or on behalf of the Minister for Justice, Equality and to a person, which has or have been determined in accordance with the Magdalen Commission Report dated May 2013 on the establishment of an ex gratia scheme and related matters for the benefit of those women who were admitted to and worked in the Magdalen Laundries - Any payments from charitable organisations in the form of assistance to persons in need How is Weekly Family Income calculated? In order to calculate Weekly Family Income, it is broken down into 3 sources: - Earnings from employment - Income from any form of self-employment - Income from any other source Earnings from employment In the case of a new application for WFP, the Deciding Officer usually bases their decision on the average weekly gross earnings up to the date of the application. In the case of an application for a WFP renewal, it is usually based on the average weekly gross earnings in the previous tax year, using a P60. However, under Article 173(2) the Deciding Officer may have regard to other periods if they deem it appropriate. Income from any form of self-employment Income from self-employment is calculated or estimated by dividing the income in the 12 months preceding the date of claim by 52. Applicants with self-employment are asked to submit their latest set of accounts. If an applicant is unable or unwilling to provide the latest set of accounts for their form of self-employment, an investigation by a Social Welfare Inspector (SWI) will be required. Income from any other source Income from any other source is calculated by the normal weekly amount of such income. Note: Rental Income is the amount the tenants pay. The only deductions/disregards from Weekly Family Income are those listed above. Social Welfare legislation does not allow for the disregard from Weekly Family Income of expenditure on capital improvements or paying the mortgage(s) on your primary or secondary residences, management fees or expenditure on weekly groceries. However, unlike other Social Welfare schemes which are Means-Tested, WFP is an income supplement and is an Income-Tested scheme. Capital assessments are not carried out. This means that Savings in the Bank / Post Office / Credit Union and the capital value of property/assets owned are not assessed. How much WFP is payable? WFP payable at 60% of the difference between the set income limit for a given family size and the Weekly Family Income. Example: How long is WFP payable? Once awarded, WFP is payable for a maximum period of 52 weeks. However, once the 52 week award period has expired, an employee must re-apply if they feel they still have an entitlement. These applications are called Renewal applications. Approximately 8 weeks before the expiry of a claim, Renewal application forms are issued to the customer. However, whether a WFP recipientreceives a Renewal form or not, the obligation is on them to submit an application within 4 weeks of the expiry of their claim, in order for the next claim to start from the first Thursday following the expiry of the old claim. If they re-apply within 4 weeks of the expiry of a 52 week award, any new entitlement will be renewed from the day after the expiry. Applications received more than 4 weeks after the expiry of a claim are registered as new applications and will be awarded from the first Thursday after receipt. When and how is it paid? WFP is payable on a Thursday. Each payment is made in advance. So payment one Thursday pays the applicant up to the following Wednesday. WFP is paid either by: - Electronic Fund Transfer (EFT) into Bank and Building Society accounts as well as some Credit Union accounts or - Post Offices by Electronic Interface Transfer (EIT). Multiple Payments The multiple payments provisions in primary legislation preclude payment of WFP at the same time as jobseeker’s benefit, state pension (transition), jobseeker’s allowance, pre-retirement allowance or farm assist (Section 247(6) of the Consolidation Act) and also provide that working family payment is only payable for six weeks in conjunction with illness benefit or injury benefit (Section 247(7)). Article 175(2) of SI 142 of 2007 excludes from the definition of remunerative full-time employment, people engaged in a work placement programme, Community Employment, Rural Social Scheme, National Internship Scheme or Tús. This effectively provides that payments under these schemes are not payable at the same time as working family payment. PART 2: CLAIMS, INVESTIGATIONS AND DECISIONS PROCEDURES Examination of application When a Deciding Officer examines a WFP application, s/he will check whether all questions have been answered and whether supporting documentation has been supplied. Where information/documentation is absent, the Deciding Officer will normally write to the applicant seeking this. The applicant is normally given 21 days to reply. They are informed that failure to reply will result in the closure of the claim. If there is insufficient information in relation to the employment, the Deciding Officer would normally phone, write or email the Employer for further information. The claim will not be closed due to delays in replying by an employer. If after reminders the employer has failed to reply, the case will be referred to a local Social Welfare Inspector for investigation. If at any time the Deciding Officer feels that a Social Welfare Inspector investigation is required to determine the entitlement, it is open to them send the case out. Decision Once a Deciding Officer is satisfied that they have sufficient evidence, they will proceed by making a decision on entitlement to WFP. The applicant is notified in writing of the outcome of the decision. Prescribed time for making an application The prescribed time for making an application for Family Income Supplement is within 3 months of entitlement first commencing, i.e. within 3 months of: - commencement of employment or - an increase in hours to 38 per fortnight, or - a reduction in hours and consequently earnings or - following the birth of a child or - Drop in income so that the applicant now considers they may be entitled to WFP. Where a successful application is received within the prescribed time, payment commences from the first Thursday after the entitlement commenced. Applications made outside the prescribed time are disqualified from payment in respect of any period before the date on which the application is made. The Department issues renewal application forms to customers to customers in receipt of WFP at least 8 weeks in advance of the expiry of their 52-week period. In order for a repeat WFP to be awarded from the renewal date, the renewal form must be received within 4 weeks of the end of the 52-week period. Renewal forms received later than 4 weeks are awarded from the first Thursday after receipt. Debt When a family comprises of a person and his or her spouse, civil partner or cohabitant, both join in any claim for WFP in respect of that family. If the Deciding Officer notes that the applicant or their spouse, civil partner or cohabitant has an outstanding overpayment, s/he will notify Longford’s Debt Recovery Unit (DRU) of this and hold any arrears. The DRU will then write to the customer proposing methods of recovery for the overpayment. PART 3: POST DECISION PROCEDURES Duration of payment Once WFP is awarded, it is payable for 52 weeks, as long as the recipient continues to be engaged in full-time paid employment as an employee for not less than 38 hours per fortnight with the same employer. If the recipient and/or recipients cease employment or change employer during the 52 week period, they must make a new WFP application. Cessation or Suspension of payment If the recipient’s hours of employment drop below 38 per fortnight or if they cease employment, their entitlement ends and they must notify WFP Section immediately. If the recipient and/or recipients ceases employment or changes employer, their current entitlement ends and they must notify WFP Section immediately. If the recipient claims Jobseeker’s Allowance or Jobseeker’s Benefit or Farm Assist their entitlement ends and they must notify WFP Section immediately. If a spouse, civil partner or cohabitant of the WFP recipient claims an increase for a Qualified Adult (IQA) on their Jobseeker’s Allowance or Jobseeker’s Benefit or Farm Assist payment in respect of the WFP recipient, their WFP entitlement may change and they should notify WFP Section immediately. If the WFP recipient claims Illness/Injury Benefit, WFP entitlement will end after the 6th week of the benefit payment. If the WFP recipient is on Maternity Benefit, WFP is suspended on the completion of that benefit pending confirmation that the WFP customer has returned to full-time paid employment as an employee for not less than 38 hours per fortnight. If the WFP recipient fails to turn up for repeated appointments at a Social Welfare Local Office / Intreo Office for the purposes of providing them with a Public Services Card, payment may be suspended until they meet the appointment. If a Social Welfare Inspector reports that a WFP recipient has failed to co-operate with their investigation, payment may be suspended on account of this. If they are imprisoned, WFP will be suspended. Changes in circumstances after award. Once WFP is granted, the rate of payment remains the same for the 52 week period regardless of changes in circumstances. It is not affected by increases or decreases in Family Income. There are 2 exceptions to this provided for in legislation: - A WFP recipient can apply for an increase in respect of an additional qualified child - If One-Parent Family Payment (OFP) was assessed in the latest WFP income test, and OFP is terminated during the WFP 52 week award period for the sole reason that the youngest child has reached the OFP Age Threshold, WFP may be increased by reducing the OFP amount assessed in the most recent WFP Income Test to Nil. Relationship Breakdown Where family income supplement is payable in respect of a particular family for any period, no person who was included in that family at the beginning of that period shall be regarded as a member of any other family during that period. Where a relationship breaks down as long as the original qualification criteria continue to be met and the recipient continues to wholly maintain his or her ex-spouse, ex-civil partner or ex-cohabitant with whom the children are living, one of the couple cannot succeed in a new application for WFPuntil the existing WFP claim has expired. If these conditions are not met then the entitlement to the WFP payment will end and a new WFP claim can be made by the ex-spouse, ex-civil partner, ex-cohabitant with whom the children normally reside. Examples: Where a couple separates and only one member of that couple is engaged in full-time remunerative employment the WFP payment can continue as long as the recipient continues to wholly maintain her/his ex-spouse, ex-civil partner or ex-cohabitant with whom the children are living. In the circumstances described above but where the partner with whom the children normally reside takes up full-time remunerative employment the existing WFP claim can be closed and that person can make a new WFP claim in their own right. Where a couple separates and both are engaged in full-time remunerative employment, the ex-spouse ex-civil partner or ex-cohabitant with whom the children are living can make a new WFP claim in his/her own right. Back-dating A claim to WFP should be made within three months of the date of entitlement i.e. date of commencement of employment. Where a person fails to make a claim within the prescribed time, s/he will be disqualified from receiving payment in respect of any period prior to the date of claim. If you apply for WFP late, you may lose out on part of your entitlement. There is provision to backdate the award of WFP for up to 6 months before the date on which the claim was made. However, you will have to have a valid reason for claiming late before any decision to back-date the claim is considered. Payment can be backdated further only where it is shown to the satisfaction of a Deciding Officer that the delay in claiming pension was due to: - false or misleading information provided by the Department or - The person having been incapacitated by illness or infirmity. In all cases where a backdated payment is being considered, entitlement to WFP throughout that period must have been satisfactorily established. If you feel that you may be entitled to a back‑dated payment under any of the provisions outlined above, please set out your case in writing to us and supply any supporting documentation. Decisions Deciding Officers are responsible for deciding on entitlement to social welfare payments. They are appointed by the Minister for Employment Affairs and Social Protection and are independent in the exercise of their role. In arriving at their decision, Deciding Officers are bound by the legal provisions in the Social Welfare Acts and Regulations, and are expected to be familiar with the relevant operational guidelines, for example, “Decision Making and Natural Justice”. When a Deciding Officer has made a decision on entitlement to WFP, they send a letter to the person, notifying them of the outcome of their claim. If WFP has been awarded, the letter lists the range of circumstances which could affect the person’s continuing entitlement to this payment and asks them to advise the Department of any changes in these circumstances. Any certificates or documents which have been submitted in support of the claim are returned with the letter, if not already returned earlier. If the claim has been disallowed, the letter explains the basis for the decision and also advises the person of their right to appeal against the Deciding Officer’s decision. The appeal must be lodged within 21 days of the date of the notification letter. See ‘Appeals’ below. Revised Decisions Any decision of a Deciding Officer may be revised by a Deciding Officer if new information or evidence comes to light or if the original Deciding Officer made a mistake in relation to the law or facts of the case. A person has the right of appeal against a revised decision. See “Decision Making and Natural Justice” and “Revised Decisions and Their Date of Effect” for more information. Appeals If a person is not satisfied with the decision of a Deciding Officer they can appeal directly to the Social Welfare Appeals Office, by writing to that Office within 21 days, outlining the grounds of their appeal. See “Social Welfare Appeals Office – An Introduction”, “Social Welfare Appeals Office – Appeal Hearings” for more information. Social Welfare Appeals Office D’Olier House D’Olier Street Dublin 2 www.socialwelfareappeals.ie Note: The rates charged for using 1890 (LoCall) numbers may vary among different service providers.
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- Cad é an Pinsean Stáit (Neamh-Ranníocach)? - Conas a cháilítear? - Cad í an tástáil acmhainne agus conas a ríomhtar í? - Cad a áirítear mar acmhainn? - Samplaí de chaipiteal a mheasúnú. - An measúnaítear pinsean ó thír eile mar acmhainn? - Cad nach n-áirítear mar acmhainn? - Conas agus cén uair ba cheart ba cheart iarratas a dhéanamh? - An féidir íocaíocht a fháil ar mo phinsean do mo chéile, mo pháirtnéir sibhialta nó mo chomhchónaitheoir? - Cé áta ina dhuine fásta cáilithe? - Cé atá ina leanbh cáilithe? - Bás pinsinéara a thuairisciú….cad atá le déanamh agam anois agus an bhfuil aon duine ar gá dom a insint dó/di faoin mbás? - Deontas Méala – Conas iarratas a dhéanamh? - Conas a chuirtear gníomhaire le pinsean a bhailiú? - Conas a athraítear modh íocaíochta? - Liúntas Breosla – conas iarratas a dhéanamh? - Cártaí caillte nó goidte a thuairisciú. - Ráiteas cánach a iarraidh. - An bhfuil aon dálaí ina ndéanfaidh an Roinn éileamh a shiardhátú níos sia siar ná 6 mhí? - Cad a tharlaíonn má théitear chun cónaí lasmuigh den Stát? Cad é an Pinsean Stáit (Neamh-Ranníocach)? Is éard atá sa Phinsean Stáit (Neamh-Ranníocach) ná íocaíocht atá bunaithe ar chónaitheacht agus faoi réir tástála acmhainne do dhaoine atá 66 bliana d'aois nó os a chionn sin nach gcáilíonn do Phinsean Stáit (Eatramhach) ná do Phinsean Stáit (Ranníocach) de bhun a dtaifid leasa shóisialaigh. Ba chóir duit iarratas a dhéanamh ar an íocaíocht seo 3 mhí roimh duit 66 bliana d'aois a shlánú. Conas a cháilítear? Chun cáiliú do Phinsean Stáit (Neamh-Ranníocach): * Is éard atá sa Choinníoll Gnáthchónaithe ná coinníoll nach mór duit a shásamh chun cáiliú d'íocaíochtaí áirithe leasa shóisialaigh agus don Sochar Linbh. Tháinig an coinníoll seo i bhfeidhm ón 1 Bealtaine 2004 agus baineann sé le gach iarratasóir is cuma faoina náisiúntacht. - Is slí í an tástáil acmhainne lena fháil amach an bhfuil do dhóthain acmhainne agat chun soláthar a dhéanamh duit féin agus cé mhéid íocaíochta, más ann di, dá bhféadfaidh tú cáiliú. Is í d'acmhainn ná aon ioncam ar leat é nó ar le do chéile, do pháirtnér sibhialta nó do chomhchónaitheoir é agus maoin (seachas do bhaile cónaithe féin) nó sócmhainn a d'fhéadfadh ioncam a chur ar fáil duit. - Chun a thuilleadh eolais a fháil ar conas a dhéantar measúnú ar d'acmhainn cliceáil anseo. Tabhair faoi deara: Ní mór duit an fhoirm iarratais a líonadh go hiomlán ionas gur féidir linn d'acmhainn a ríomh. Ní mór duit na sonraí go léir de d'acmhainn féin agus d'acmhainn do chéile, do pháirtnéara shibhialta nó do chomhchónaitheora, i gcás inar cuí sin, a thabhairt. Ba chóir duit na cáipéisí riachtanacha go léir mar ráitis bhainc (3 mhí), sonraí de do thuilleamh ar fad nó duillíní pá pinsin eile a chur le d'iarratas. Má chuireann tú foirm iarratais neamhiomlán isteach nó mura gcuireann tú na cáipéisí tacaíochta is gá isteach, is féidir go gcuirfear moill ar chinneadh ar d'iarratas nó go ndiúltófar d'iarratas ar phinsean dá thoradh sin. Is féidir go mbeidh sé riachtanach ag an Roinn seo d'éileamh a sheoladh chuig Cigire Leasa Shóisialaigh áitiúil chun go ndéanfar a thuilleadh imscrúdaithe air agus chun go gcuirfear faoi agallamh thú. Cad a áirítear mar acmhainn? Is iad na príomh-mhíreanna a áirítear mar acmhainn ná: - ioncam airgid ar leat é nó ar le do chéile, do pháirtnéir sibhialta nó do chomhchónaitheoir é - luach aon infheistíochtaí, aon choigiltis agus aon scaireanna a fhéadfaidh a bheith agat nó ag do chéile - luach aon mhaoine, seachas do bhaile cónaithe féin - cothabháil a íoctar leat má tá tú tréigthe nó idirscartha - ioncam ó phinsean ceirde nó ó phinsean coigríche - ioncam ó fhostaíocht nó ó fhéinfhostaíocht, agus feirmeoireacht san áireamh. Baineann neamhaird tuillimh ó fhostaíocht inárachais €200 in aghaidh na seachtaine leat agus le do chéile, do pháirtnéir sibhialta nó do chomhchónaitheoir araon, i gcás inar cuí sin. Ní bhaineann an neamhaird seo le tuilleamh ó fhéinfhostaíocht ná ó phinsean, áfach. Má tá tú pósta, i bpáirtnéireacht shibhialta nó ag comhchónaí, áireofar acmhainn do chéile, do pháirtnéara shibhialata nó do chomhchónaitheora sa tástáil acmhainne. Más úinéir feirme talún thú nó má tá feirm ar léas agat, measúnófar mar acmhainn luach bliantúil aon ioncaim atá agat no ag do chéile, do pháirtnéir sibhialta nó do chomhchónaitheoir ón bhfeirm. Ríomhfar an luach bliantúil trí aon chostais riachtanacha a bhaint as an ollioncam. Má choinníonn tú nó do chéile, do pháirtnéir sibhialta nó do chomhchónaitheoir ioncam nó maoin (agus airgead san áireamh) uaibh féin chun cáiliú don Phinsean Stáit (Neamh-Ranníocach) nó chun cáiliú do ráta níos airde den phinsean seo, cuirfear an t-ioncam nó an mhaoin sin san áireamh ó thaobh na tástála maoine. B'fhéidir nach mbeadh feidhm aige seo, áfach, i gcás socraíochtaí teaghlaigh áirithe lena ngabhfadh aistriú úinéireachta feirme nó gnólachta. Má tharla aistriú, iarrfar ort cóip den Ghníomhas Aistrithe arna stampáil ag na Coimisinéirí Ioncaim a sholáthar, nó má taisceadh an gníomhas, litir a sholáthar ó na haturnaetha ina ndeimhneofar gur taisceadh an Gníomhas Aistrithe leis na Coimisinéirí Ioncaim. Tabhair faoi deara Má tá tú pósta, i bpáirtnéireacht shibhialta nó ag comhchónaí, ríomhfar d'acmhainn mar leath na comhacmhainne atá agat féin agus do chéile, do pháirtnéir sibhialta nó do chomhchónaitheoir. Is é atá i gceist le caipiteal ná coigilteas, infheistíochtaí, scaireanna, airgead ar láimh agus luach maoine (seachas do bhaile cónaithe féin). Agus d'acmhainn ó chaipiteal á háireamh, baintear feidhm as foirmle ar leith chun d'acmhainn a ríomh: Sampla 1 Sampla 2 Dá mbeadh gach duine den lánúin i sampla 2 66 bliana d'aois nó os a chionn sin, cháileodh gach duine acu do phinsean seachtainiúil €179. (Rátaí Eanáir 2011) An measúnaítear pinsean ó thír eile mar acmhainn? Measúnaítear ioncam ó phinsean ó aon tír eile (lena n-áirítear an Ríocht Aontaithe agus Stáit Aontaithe Mheiriceá) mar acmhainn sheachtainiúil. Mar shampla, má fhaigheann tú £100 in aghaidh na seachtaine ó Phinsean Stáit na Breataine tiontófar ina Euro é seo agus measúnófar an méid seachtainiúil mar acmhainn. Mura bhfaigheann tú ná do chéile pinsean coigríche fós ach má bhraitheann tú gur féidir go gcáileofar do cheann, is cóir duit teagmháil a dhéanamh leis an Roinn Coimirce Sóisialaí a chuideoidh leat i dtaobh d'éilimh. Is iad seo a leanas cuid de na príomh-mhíreanna nach n-áirítear mar acmhainn: - do bhaile cónaithe féin - aon íocaíocht ón Roinn Coimirce Sóisialaí - an chéad €200 de thuilleamh seachtainiúil ó fhostaíocht, (ach ní ó fhéinfhostaíocht) - Beidh a macasamhail de neamhaird tuillimh €200 in aghaidh na seachtaine ó fhostaíocht, ach ní ó fhéinfhostaíocht, i bhfeidhm freisin i gcás do chéile, do pháirtnéara shibhialta nó do chomhchónaitheora - cibé costais a thabhaíonn tú de riachtanas chun aon chineál féinfhostaíochta a choinneáil sa siúl - Liúntas Cúraim Altrama ó Fheidhmeannacht na Seirbhíse Sláinte - ranníocaíochtaí le Cuntas Pearsanta Coigiltis Scoir - íocaíochtaí áirithe ó Fheidhmeannacht na Seirbhíse Sláinte agus ioncam ó charthanais áirithe. Scéim Luathscoir an Aontais Eorpaigh ón bhFeirmeoireacht - Tugaimid neamhaird freisin ar aon íocaíochtaí a fhaigheann tú ón Roinn Talmhaíochta agus Bia faoi Scéim Luathscoir an Aontais Eorpaigh ón bhFeirmeoireacht. Féadfaidh an Roinn sin, áfach, do phinsean faoin scéim sin a laghdú de mhéid an Phinsin Stáit (Neamh-Ranníocach) a fhaigheann tú. Ioncam ó Chíos - Má chónaíonn duine leat agus má íocann sé/sí cíos leat (duine amháin), ní áireofar an cíos mar acmhainn más rud é go mbeifeá i do chónaí leat féin murach sin. Tabhair faoi deara: Má cháilíonn tú don Phinsean Stáit (Neamh-Ranníocach), socrófar an ráta íocaíochta a gheobhaidh tú ar leibhéal ar chóir go dtabharfadh sé caighdeán leordhóthanach maireachtála duit. Bheadh súil ag an Roinn go gcaithfeá do phinsean uile, nó an chuid is mó de, gach seachtain chun íoc as do ghnáthchostais laethúla mhaireachtúla. Más mian leat, áfach, cuid de do phinsean a choigilt, cuirfear tástáil acmhainne ar an gcoigilteas sin sa chaoi chéanna agus a dhéantar i gcás coigiltis ó aon fhoinse eile (mar shampla, ó thuilleamh, ó phinsean ceirde nó ó oidhreacht). Ag brath ar mhéid an choigiltis a chnuasaíonn tú ó na foinsí go léir, d'fhéadfadh laghdú i (nó aistarraingt de) do Phinsean Stáit (Neamh-Ranníocach) a bheith mar thoradh air seo. Conas agus cén uair ba cheart ba cheart iarratas a dhéanamh? - Ba chóir duit iarratas a dhéanamh ar an bPinsean Stáit (Neamh-Ranníocach) 3 mhí roimh duit 66 bliana d'aois a shroicheadh. Má bhronntar pinsean ort, íocfar ón Aoine i ndiaidh do 66ú breithlá nó ón Aoine i ndiaidh an dáta a bhfaighfear d'iarratas. - Chun iarratas a dhéanamh, líon an fhoirm iarratais SPNC 1, agus cuir í maille leis na cáipéisí riachtanacha go léir mar ráitis bhainc, duillíní pá pinsin agus teastais chearta chuig: Rannóg an Phinsin Stáit (Neamh-Ranníocach), Oifig na Seirbhísí Leasa Shóisialaigh Bóthar an Choláiste Sligeach Íosghlao: 1890 500 000 (ó Phoblacht na hÉireann amháin) + 353 71 9157100 (ó Thuaisceart na hÉireann nó ón gcoigríoch) Uimhir PSP : (Uimhir Phearsanta Seirbhíse Poiblí) Ní mór duit d'Uimhir PSP agus Uimhir PSP do chéile, do pháirtnéara shibhialta nó do chomhchónaitheora a thabhairt. Ní mór duit freisin Uimhir/Uimhreacha PSP a thabhairt dúinn i dtaca le haon leanbh/leanaí a bhfuil sé de rún agat íocaíocht a éileamh ina leith. Mura bhfuil na huimhreacha seo ar eolas agat, déan teagmháil le d'Oifig Leasa Shóisialaigh, le do thoil. Cuirfidh siad d'uimhir PSP in iúl duit. Mura bhfuil ceann agat, inseoidh siad duit cad a bheidh ort a dhéanamh chun ceann a fháil. Tabhair faoi deara: B'fhéidir go gcaillfí íocaíocht dá gcuirfí éileamh isteach go déanach. Teastais le cur le d'iarratas: Agus iarratas á dhéanamh agat ar Phinsean Stáit (Neamh-Ranníocach), is féidir go gcaithfidh tú teastais a chur chugainn má tharla an bhreith / na breitheanna, an pósadh, an pháirtnéireacht shibhialta nó an t-aontas sibhialta lasmuigh de Phoblacht na hÉireann, mar: - do theastas breithe - teastas breithe do chéile, do pháirtnéara shibhialta nó do chomhchónaitheora - do theastas pósta nó do theastas clárúcháin um páirtnéireacht shibhialta nó um aontas sibhialta - teastas breithe / teastais bhreithe do linbh/leanaí cáilithe. Is féidir leat iarratas a dhéanamh ar Mhéadú um Dhuine Fásta Cáilithe ar do phinsean. Is duine fásta cáilithe é do chéile, do pháirtnéir sibhialta nó do chomhchónaitheoir. Tá an méadú seo faoi réir tástála acmhainne. Is duine fásta cáilithe é do chéile, do pháirtnéir sibhialta nó do chomhchónaitheoir, i gcoitinne. Féadfaidh tú meadú sa phinsean a fháil ina leith fad is nach bhfaighidh sé/sí íocaiocht leasa shóisialaigh dá c(h)eart féin, ach amháin an Liúntas Cúramóra (mar a bhfuil feidhm ag socruithe ar leith). Céimnítear an Méadú um Dhuine Fásta Cáilithe de réir ráta pearsanta do phinsin féin. Tabhair faoi deara: Má bhronntar méadú um dhuine fásta cáilithe ort, coinnigh cuimhne, le do thoil, gur féidir go mbeidh do dhuine fásta cáilithe i dteideal Pinsean Stáit (Neamh-Ranníocach) a éileamh dá c(h)eart féin nuair a bheidh sé/sí 66 bliana d'aois. Nuair a bheidh sé/sí 66 bliana d'aois, stadfaidh an méadú um dhuine fásta cáilithe go huathoibríoch agus tabharfar cuireadh dó/di iarratas ar Phinsean Stáit a dhéanamh dá c(h)eart féin. Is cóir a thabhairt faoi deara gur mó an tairbhe daoibh mar lánúin ó thaobh an airgid de, má fhaigheann gach duine agaibh pinsean dá c(h)eart féin. Mar mhalairt air sin, má bhí do chéile, do pháirtnéir sibhialta nó do chomhchónaitheoir fostaithe nó féinfhostaithe, b'fhéidir go gcáileodh sé/sí do Phinsean Stáit (Eatramhach) in aois 65 bliana nó do Phinsean Stáit (Ranníocach) in aois 66 bliana. Tabhair faoi deara freisin: Ó Mheán Fómhair 2007, íocaimid de réir dlí an méadú um dhuine fásta cáilithe go díreach leis an gcéile, leis an bpáirtnéir sibhialta nó leis an gcomhchónaitheoir lena mbaineann ach amháin mar a sonraíonn sé/sí gur féidir an méadú a íoc leat. Is leanbh cáilithe é leanbh atá suas le 18 mbliana d'aois, a chónaíonn leat de ghnáth agus atá á chothabháil agat, nó suas le 22 bliana d'aois má tá sé/sí in oideachas lánaimseartha de ló. Meastar freisin leanbh atá 18 mbliana d'aois nó os a chionn sin agus a chónaíonn leat de ghnáth ina leanbh cáilithe de do chuid ar feadh na tréimhse 3 mhí tar éis dó/di an t-oideachas dara leibhéal a fhágáil nó Scrúdú na hArdteistiméireachta a dhéanamh. Má cháilíonn tú do Mhéadú um Dhuine Fásta Cáilithe i leith do chéile, do pháirtnéara shibhialta nó do chomhchónaitheora, gheobhaidh tú an ráta iomlán den Mhéadú um Leanbh Cáilithe do do leanbh/leanaí cáilithe. Má fhaigheann do chéile, do pháirtnéir sibhialta nó do chomhchónaitheoir íocaíocht leasa shóisialaigh dá c(h)eart féin, gheobhaidh sé/sí leath an Mhéadaithe um Leanbh Cáilithe is cuí dá (h)íocaíocht agus gheobhaidh tú leath an Mhéadaithe um Leanbh Cáilithe ar do phinsean. Ní féidir leat Méadú um Leanbh Cáilithe a fháil má fhaigheann an leanbh íocaíocht leasa sóisialaigh dá c(h)eart féin. Tabhair faoi deara: Níl aon ghá le teastas breithe má fhaigheann tú an Sochar Linbh do na leanaí seo cheana. Ní ghlacaimid le fótachóipeanna teastas. Mura bhfuil tú in ann an teastas / na teastais a fháil láithreach, is cóir duit d'fhoirm iarratais ar phinsean a chur isteach maille a nóta ina luafar go gcuirfidh tú an teastas / na teastais isteach a luaithe is féidir. Má tá tú chun do theastais a chur isteach ar ball, cinntigh, le do thoil, go luafaidh tú d'Uimhir PSP. Gheobhaidh tú an uimhir seo go huathoibríoch nuair a gheobhaimid d'iarratas. Thairis sin, cuir isteach litir ó scoil nó ó choláiste, le do thoil, má tá éileamh á dhéanamh agat do leanbh cáilithe, atá in aois 18-22 de bhlianta d'aois agus in oideachas lánaimseartha. Bás pinsinéara a thuairisciú….cad atá le déanamh agam anois agus an bhfuil aon duine ar gá dom a insint dó/di faoin mbás? Má fuair an duine éagtha pinsean nó íocaíocht ón Roinn: Má fhaigheann duine bás le linn dó/di íocaíocht leasa shóisialaigh a fháil, is cóir a b(h)ás a chur in iúl a luaithe is féidir do rannóg na Roinne a phléann leis an íocaíocht. An bás a chlárú: Ní mór gach bás a chlárú le hOifig an Ard-Chláraitheora (An tSeirbhís um Chlárú Sibhialta) laistigh de thrí mhí. Is féidir bás a chlárú in aon Oifig um Chlárú Sibhialta agus is duine den teaghlach a dhéanann an clárúchán sin de ghnáth. Mar mhalairt air sin, féadfaidh duine a bhí i láthair ag an mbás an bás a chlárú, cuir i gcás ionadaí an ospidéil, comharsa nó, dá éagmais sin, an t-adhlacóir. Má d'fhág an duine éagtha oidhreacht le huacht, ba chóir don ionadaí pearsanta cóip de sceideal na sócmhainní, nuair a bheadh sé sin ar fáil, a chur chuig Rannóg na nEastát san oifig seo. Murar fhág an duine éagtha oidhreacht/uacht, ní bheadh gá lena thuilleadh gnímh. Deontas Méala – Conas iarratas a dhéanamh? Is féidir Deontas Méala a íoc leis an duine atá freagrach as costais na sochraide a íoc. Is éard atá sa deontas méala ná sochar árachais shóisialaigh atá bunaithe ar ranníocaíochtaí Árachais Shóisialaigh Phá-Choibhneasa (ÁSPC) an duine éagtha nó a c(h)éile. Clúdaíonn an scéim an duine árachaithe agus a c(h)éile agus a leanaí cleithiúnacha faoi bhun 18 mbliana d'aois (nó faoi bhun 22 bhliain d'aois má tá siad in oideachas lánaimseartha). Is féidir é a éileamh suas le 12 mhí i ndiaidh an bháis. Ní mór foirm iarratais a líonadh agus ní mór teastas báis agus cóip de bhille na sochraide a chur isteach leis an bhfoirm sin. Conas a chuirtear gníomhaire le pinsean a bhailiú? Más rud é nach bhfuil duine in ann a (h)íocaíocht a bhailiú nó a g(h)nóthaí airgeadais a bhainistiú féadfar duine a cheapadh mar ghníomhaire dó/di. Féadfar gníomhaire a cheapadh ar bhonn sealadach nó ar bhonn fadtréimhseach, chun íocaíochtaí a bhailiú nó chun gníomhú ar son an chustaiméara. Féadfaidh an Roinn socrú gníomhaire a chealú tráth ar bith má bhíonn údar ag an Roinn lena chreidiúint nach bhfuil an socrú ag oibriú go sásúil. Ní mór foirm iarratais a líonadh agus a chur chuig an Roinn. Conas a athraítear modh íocaíochta? Modh íocaíochta a athrú: Féadfaidh tú d'íocaíocht a fháil in Oifig roghnaithe an Phoist trí leas a bhaint as an Aistriú Leictreonach Faisnéise nó go díreach i do chuntas reatha nó taisce in institiúid airgeadais (Ríomhaistriú Airgid) nó i gCuntas Coigiltis An Phoist. Má tá tú chun do mhodh íocaíochta a athrú, cuir do shonraí nua i scríbhinn chuig an Roinn seo. Má tá tú chun athrú ón Aistriú Leictreonach Faisnéise chuig an Ríomhaistriú Airgid, cuir do chárta um Aistriú Leictreonach Faisnéise ar ais, le do thoil. Is íocaíocht faoi réir tástála acmhainne é an Líuntas Breosla. Má fhaigheann tú íocaíocht neamh-ranníocach glactar leat mar dhuine a shásaíonn an tástáil acmhainne ach amháin mar a bhfaigheann tú freisin íocaíocht ranníocach ar leathráta (mar an Sochar Breoiteachta, an Sochar do Lucht Cuardaigh Fostaíochta nó an Sochar Díobhála) mar bhreis ar an íocaíocht neamh ranníocach (mar an Íocaíocht Teaghlaigh Aontuismitheora). Tá tástáil acmhainne an Liúntais Bhreosla nasctha le huasráta an Phinsin Stáit (Ranníocach). Ní mór foirm iarratais a líonadh agus a chur chuig Rannóg Chothabhála na gCliant. Cártaí caillte nó goidte a thuairisciú. Cártaí Seirbhisí Sóisialta um Aistriú Leictreonach Faisnéise atá Caillte/Goidte: Más rud é go n-íoctar airgead le duine tríd an Aistriú Leictreonach Faisnéise ach má chailleann sé/sí a C(h)árta Seirbhísí Sóisialta nó má ghoidtear an cárta, is cóir iarratas ar chárta athsholáthair a chur láithreach chuig an Roinn. Ní mór an t-iarratas seo a bheith stampáilte ag na Gardaí chun a dheimhniú gur tuairiscíodh gur cailleadh/goideadh an cárta bunaidh. Ansin cealóidh an Roinn an cárta bunaidh agus eiseofar cárta athsholáthair láithreach. Ráiteas cánach a iarraidh. Is féidir leat ráiteas ar na híocaíochtaí atá faighte agat a iarraidh ar líne agus cuirfear an ráiteas chugat tríd an bpost. Má fhaigheann tú níos mó ná íocaíocht amháin, is gá duit ráiteas ar leith a iarraidh i dtaca le gach íocaíocht. Cliceáil anseo chun ráiteas a iarraidh. Féadfaidh tú freisin ráiteas cánach a iarraidh tríd an nguthán/bpost. An bhfuil aon dálaí ina ndéanfaidh an Roinn éileamh a shiardhátú níos sia siar ná 6 mhí? Is féidir go mbeidh sé indéanta éileamh a shiardhátú níos sia siar ná tréimhse sé mhí i ndálaí áirithe: - San áit ar theip ort éileamh a chur isteach ar dháta na teidlíochta toisc gur thug foireann na Roinne eolas bréagach nó míthreorach duit, nó do dhuine a ghníomhaigh ar do shon. Más mar seo atá an scéal, ní mór duit na sonraí ar fad den eolas bréagach nó míthreorach a tugadh duit a chur ar fáil, lena n-áirítear ainm an oifigigh a thug an t-eolas mícheart (más feasach duit é), an oifig inar tugadh an t-eolas mícheart agus an dáta ar tugadh é. - San áit ar theip ort éileamh a chur isteach ar dháta na teidlíochta toisc go raibh tú chomh éagumasach sin de dheasca breoiteachta nó éiglíochta nach raibh tú in ann iarratas a dhéanamh ná treoir a thabhairt do dhuine eile iarratas a dhéanamh ar do shon. Más mar seo atá an scéal, ní mór duit fianaise mhíochaine a sholáthar ó do dhochtúir a mhíneoidh cén fáth ar choisc an bhreoiteacht nó an t-éagumas ort iarratas a dhéanamh as do stuaim féin nó duine a cheapadh chun iarratas a dhéanamh ar do shon. San áit a n-éilítear breoiteacht nó éagumas, ní foláir nó go ndearnadh d'éileamh ar phinsean roimh an dáta ar stad do bhreoiteacht nó d'éagumas nó laistigh de shé mhí ón dáta sin. Tabhair faoi deara: Má tá tú ar uireasa eolais ó thaobh na teidlíochta ar phinsean nó má tá gníomhaire nó duine a ghníomhaíonn ar do shon ar uireasa eolais ó thaobh na teidlíochta ar phinsean, ní mheasfar an uireasa eolais sin ina rud a chomhlíonann na critéir chun d'éileamh a shiardhátú. Má tá tríú páirtithe ar uireasa eolais, má sholáthraítear eolas mícheart nó comhairle mhícheart duit, nó má theipeann ar dhuine nó ar ghníomhaireacht seachas fostaí na Roinne beart a dhéanamh, ní mheasfar iad seo ina mbonn lena thuilleadh siardhátaithe a dhéanamh ar íocaíocht phinsin. Cad a tharlaíonn má théitear chun cónaí lasmuigh den Stát? Ní íoctar an Pinsean Stáit (Neamh-Ranníocach), de ghnáth, má chónaíonn tú lasmuigh de Phoblacht na hÉireann. Má théann duine a fhaigheann an Pinsean Stáit (Neamh-Ranníocach) nó Pinsean na nDall chun cónaí i dTuaisceart na hÉireann, íocfar an pinsean go dtí go mbeidh an duine i dteideal íocaíochta coibhéisí ó Thuaisceart na hÉireann nó go ceann 5 bliana, cibé tréimhse is lú. Ina theannta sin, má tá pinsinéir ar saoire thar lear, is iondúil go gceadófar íocaíocht go ceann tréimhse suas le 13 seachtaine ar fhilleadh dó/di. Ní cheadófar íocaíocht, áfach, i dtaca le cuairteanna dá leithéid arís agus arís eile. Má choisceann cúrsaí nach mbíonn aon neart aige/aici orthu (cuir i gcás, de dheasca easláinte) ar phinsinéir filleadh, is féidir go gceadófar íocaíocht freisin má chuirtear fianaise oiriúnach ar fáil. Beidh gá le fianaise a thaispeánfaidh gur lean an duine de bheith i dteideal an phinsin, agus nach raibh an duine ag obair ná ag éileamh íocaíochta ó na húdaráis leasa shóisialaigh ar an gcoigríoch. Má fhágann tú Poblacht na hÉireann ar aon chúis eile, inis dúinn láithreach faoi.