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Bilateral Agreements - Guidelines on Application of Bilateral Agreements Index General Purpose of Agreements Relationship with EU Regulations Periods of residence/periods of insurance Persons Covered Payments Covered Extra Benefits Claims under Bilateral Agreements Date of Claim Aggregation of records Calculation of Pro-rata payment Additional Benefits Application of provisions for State Pension (Transition) Application of provisions for State Pension (Contributory) Application of provisions for Widow/er's Contributory Pension Application of provisions for Guardianis Payment (Contributory) Application of provisions for Invalidity Pensions Application of Provisions for Bereavement Grant General This Guideline gives an overview and the general principles of the bilateral agreements on social security which Ireland has concluded with other countries. For more detail on each, please refer to the Information leaflets or the Statutory Instruments listed below. Note 1: A separate agreement to that which applies in the rest of Canada is in force with Quebec because their social security legislation is different. Throughout this Guideline 'country' should be read as meaning 'province' in the case of Quebec. Purpose of Agreements The main purpose of the bilateral agreements on social security is to protect the pension rights of persons who have paid social insurance contributions in Ireland and have reckonable periods in the other country. Reckonable periods in the other country may be periods of insurance or of residence depending on the social security system in that country. The Agreements protect pension rights by allowing reckonable periods in each country to be taken into account in either country in determining entitlement to certain benefits where there would be no entitlement if national legislation only applied. In addition to protecting pension entitlements, the Agreements contain provisions to determine the correct legislation applicable in situations where double liability for social insurance contributions might exist: e.g. workers who are sent on temporary assignments from Ireland to a country with which we have a bilateral agreement and vice versa. The provisions (which vary in the different agreements) ensure that such persons are subject to the legislation of a single country. For further information on this aspect, see the Guidelines entitled "PRSI Special Collection System". Relationship with EU Regulations Ireland has bilateral Agreements with Austria and the United Kingdom who are also members of the EU. Since 1st June 2002 the EU Regulations also apply (with certain modifications) to migrant workers in or from Switzerland. The bilateral agreements between Ireland and these countries continue to apply where: - the provisions of the agreement provide greater assistance to a claimant than EC Social Security Regulations Nos. And - the right to use the bilateral agreement was acquired before the EC provisions applied to Ireland (1/4/73) or the other country. The EC provisions apply to the UK from 1/4/73 and to Austria from 1/1/94 NOTE: There have been several agreements in place with the UK, dated prior to the entry of Ireland and the UK into the European Union in 1973. These have now been consolidated into the new agreement, which came into force on 1 October 2007, principally covering persons who are not covered by the EU Regulations persons with employment records in the Isle of Man and the Channel Islands (Jersey, Guernsey, Alderney, Herm and Jethou). Periods of Residence / Periods of Insurance Australia and New Zealand use periods of residence from age 16 instead of contributions. The agreement with Canada includes periods of residence which count for their Old Age Security pension when contributions were not paid under the Canada Pension Plan. Throughout these guidelines references to "social insurance contributions" or "periods of insurance" should be taken as referring to periods of qualifying residence under the legislation of these countries. Persons Covered The Agreements cover migrant workers who have worked in Ireland and in a country with which Ireland has a bilateral agreement. Persons who have paid social insurance contributions in Ireland and have reckonable periods of social insurance (or residence as the case may be) in the relevant country can have these combined in certain circumstances in order to qualify for certain benefits/pensions. Benefits from the Agreements also extend to dependants and survivors. Whether a period in another country is reckonable will depend on the social security system of that other country. For instance, Irish self-employment contributions do not provide cover for invalidity pension under Irish legislation. Therefore they would not be reckonable for an equivalent benefit claim in the other country. However, they do count for widow's pension and State Pension (Contributory) in Ireland, and therefore are reckonable under these agreements for equivalent pensions in the other country. Payments Covered The Agreements cover the following Irish long-term payments: - State Pension (Contributory) - State Pension (Transition) - Invalidity Pension - Widows/Widowers Contributory Pension - Guardian's Payment (Contributory) - Bereavement Grant (not included in the bilateral Agreements with Austria, and Switzerland � the EU rules apply in these cases) The UK Agreement is an exception in this case, also providing cover in respect of the following short term benefits: - Illness Benefit - Maternity Benefit - Jobseeker's Benefit - Occupational Injuries Benefit Extra Benefits Recipients of Irish and/or social security pensions from any of these countries who are living in Ireland may qualify for the extra benefits available under the Irish Social Security system, subject to satisfying the qualifying conditions. The extra benefits are: - Free Travel - Fuel Allowance - Household Benefits (Electricity/Natural Gas Allowance, Telephone Rental Allowance, Free TV Licence) Claims under Bilateral Agreements: A person should normally make a claim to pension in the country of residence. A person living in Ireland should therefore apply for pension to the Department of Social Protection. If the claimant indicates that she or he was insured (or, where relevant, resided ) in a country with which Ireland has a Bilateral Agreement, a claim to pension in that country is initiated by the Department contacting the relevant institution on the claimant's behalf. The date of receipt of the claim and all relevant documentation should be transmitted without delay to the institution of the other country. The same procedure applies in reverse if the claim to pension is made in another country but the person has social insurance contributions in Ireland. Date of claim Note: The agreements with Austria, New Zealand, Switzerland and the United Kingdom state simply that the date of receipt of a claim in one country shall be regarded as the date of receipt of claim in the other country. In the case of the agreements with Australia, Canada, Republic of Korea, Quebec and United States, the provision that the date of receipt of the claim documentation shall be treated as the date of claim for a corresponding benefit claim in the other country is subject to the condition that the applicant provides information indicating that periods of coverage have been completed under the legislation of the other country. In the event of a late enquiry from one of these latter countries as to the date of receipt of the initial claim in Ireland, the relevant institution should also be advised as to whether there was reference in that claim to the period of employment (or residence, where appropriate) in the other country. Australia: Note that the provision that a claim for pension in one country will be treated as a claim for pension by the other country was included in the revised Agreement with Australia, effective from 1/1/2006. There was no such provision in the original Agreement with Australia effective prior to that date. Aggregation of Records: General Rules: The provisions regarding aggregation of records apply to all periods that are reckonable under the legislation of either country, whether before or since the bilateral agreement came into force. Each bilateral agreement must be treated separately for this purpose; periods in two countries with which Ireland has an agreement cannot both be aggregated with Irish contributions. In such a case, the entitlement under each agreement is calculated separately and the person will receive the higher rate if an entitlement exists under both. Overlapping periods (e.g. where paid contributions in the other country coincide with pre-entry credits in the Irish record, or Irish contributions for a posted worker are reckonable as periods of residence in the other country) are only counted once. The insured person, on whose record the claim is based, must have been insurably employed for at least one week in Ireland for a bilateral agreement to apply and (except in the case of Guardian's Payment (Contributory)) have a minimum of 52 reckonable weeks under Irish legislation. Paid Contribution Condition: If the person does not have sufficient contributions paid under Irish legislation to satisfy the paid contribution condition, contributions paid under the legislation of the other country (or periods of residence counted for the purposes of pension in the other country) are taken into consideration. Yearly average contribution condition: The rate of entitlement is determined on the basis of contributions paid or credited during the relevant period (see details regarding each scheme in the following sections). Where there are insufficient contributions under Irish legislation, the combined records are counted. If aggregation is required to satisfy either the paid or the yearly average contribution condition, a pro-rata entitlement is awarded as described below. Credited contributions: Credited contributions are awarded for: - periods of certified incapacity for work, - periods of certified unemployment, and - periods when the person is in receipt of one of the following benefits: - Adoptive Benefit - Carer's Allowance - Carer's Benefit - Illness Benefit - Health and Safety Benefit - Invalidity Pension - Maternity Benefit - Occupational Injury Benefit - One-Parent Family Payment - Pre-Retirement Allowance - Prescribed Relative Allowance - State Pension (Transition) - Jobseeker's Benefit or Allowance provided that the person was entitled to reckonable credits at the commencement of the claim. Where a person has no reckonable contributions paid or credited for two consecutive years, that person is not entitled to the award of credited contributions until 26 qualifying contributions have been paid subsequently deduction from debtor's current social welfare payment; Note: - The qualifying classes differ from scheme to scheme. - Self-employed contributions do not satisfy the re-entry condition for reckonable credits. - Contributions paid in another EU country may be counted for this purpose. - Credits may also be awarded for periods of proven retirement, incapacity or unemployment under the legislation of the other country. Pre-entry credits are awarded also from the start of the contribution year up to the date of the first paid employment contribution. These are counted for the yearly average condition in order to include that year in the count without disadvantaging the person. When the Irish record is being aggregated with the record of insurance in a bilateral country, pre-entry credits should only be counted in respect of the year in which the person first entered insurance, regardless of whether that was in Ireland or the other country. Calculation of Pro-rata payment Where there are insufficient insurance contributions under Irish legislation to create entitlement, and the pension is being awarded on the basis of the aggregate record, the rate of pension is calculated as follows: Step 1: The "notional pension" is calculated. Notional pension is that which would be payable if all reckonable social insurance contributions, both Irish and non-Irish, were treated as Irish contributions. The Irish and non-Irish contributions and reckonable credits are therefore added together and the total is then divided by the total number of years to get the yearly average number of contributions. The "notional pension" is the appropriate personal rate plus increase for qualified adult if applicable, not including child dependent increases, over 80 allowance or living alone allowance. Step 2: The following formula is then used: (A x B) / C A = the notional rate of pension. B = the number of reckonable Irish contributions. C = the total number of reckonable contributions (Irish + foreign). This figure is then rounded up to the nearest partial rate in payment at time of calculation. Step 3: All appropriate increases, e.g. child dependent increases, over 80 allowance or living alone allowance, are then added at full rate. (NOTE: the bilateral agreements do not restrict payment of child dependent increases to the country of residence only.) Example (State Pension (Transition) claim): Total Irish Contributions = 600 Total Contributions in bilateral country = 1200 Total contributions (Irish + Foreign) = 1800 Number of years = 35 Yearly average counting foreign contributions = over 48. Step 1: State Pension (Transition): Personal rate + Qualified Adult (over 66) = �372.10 (2008 rate) Step 2: Pro rata calculation: (372.10 X 600) / 1800 = �124.00 Step 3: If the person is over 80 years of age, an additional �10.00 is payable, plus �7.70 if living alone. This figure is then rounded up to the nearest partial rate in payment. Additional Benefits: The additional benefits (e.g. fuel allowance and household benefits) are also paid at the standard rate where the person is residing in Ireland. Living alone allowance may also be paid abroad, on completion of the appropriate application. Application of Provisions for State Pension (Transition): Qualifying Conditions The first qualifying condition is that a person must have started paying social insurance employment contributions at full or modified rate before age 55. This can be satisfied on Irish social insurance or social insurance (or residence) in the bilateral agreement country. Note: Normally the date of starting insurable employment is taken as the date of the first paid employment contribution, regardless of whether it is at full rate or modified rate. However for a person who has a mixture of full and modified rate Irish contributions and paid his/her first full-rate employment contribution before 6 April 1991, the most favourable date of starting insurable employment is taken. The second qualifying condition states the minimum number of contributions that must be paid. PRSI paid in classes A, E, and H count. Reckonable Irish social insurance contributions and social insurance contributions in a bilateral agreement country can be combined for the purpose of satisfying this condition. The third qualifying condition stipulates the yearly average number of contributions paid or credited for reduced rate or maximum rate entitlement. Maximum rate of pension is payable where a person has a "yearly average" of at least 48. The yearly average is the average number of contributions paid and/or credited per year over the period from 1953, or from the year of starting insurable employment, if later, to the end of the tax year before reaching pension age (65). Maximum rate pension is also payable where a person has an "alternative yearly average" of at least 48. The alternative yearly average is the average number of contributions paid and/or credited over the period from April 1979 to the end of the tax year before reaching pension age (65). The alternative yearly average applies only to persons who reached age 65 on or after 6 April 1992. A reduced rate pension is payable where a person has a yearly average of between 24 and 47. Reckonable Irish contributions and credits and social insurance contributions in the bilateral agreement country are aggregated where the yearly average number of contributions is less than 24. The rate of pension in these cases is calculated according to the pro-rata rules explained in the previous section. However, if there are less than 52 reckonable Irish contributions paid or credited since the date of entry under Irish legislation, no pension is payable. In the agreements with Australia, Austria, Canada, Republic of Korea, Quebec and UK, (as under EU legislation), where there are less than 52 contributions paid in the other country and a pension is not awarded by that country, the Irish pension is awarded on the sum of the two insurance records without the application of the pro-rata rule. Points to Note: Rounding up: In calculating the yearly average, a fraction of a whole number consisting of one half or more is rounded up to the nearest whole number e.g. 23.5 is rounded up to 24, 47.5 is rounded up to 48 Pension age: Pension ages in the various countries are as follows: Note 2: In Australia the State Pension age for women is changing - being 63 years and 6 months, on 1st Jan 2008 rising to 65 on 1st Jan 2014 Note 3:In the Republic of Korea there are currently some exceptions to the general pension age of 60 years (e.g. early retirement at 55). Between 2013 and 2033 pension age will rise gradually to 65 years. Note 4: In the UK the State Pension age for women is changing it will rise gradually from age 60 to 65 from 2010 to 2020. Where periods following retirement in another country prior to age 65 are being taken into consideration, they are counted as periods of reckonable credits. Application of Provisions for State Pension (Contributory): Qualifying Conditions: The first qualifying condition � entry into insurance before reaching age 56 - must be satisfied. However it can be satisfied on Irish social insurance or social insurance (or residence) in a bilateral agreement country The second qualifying condition states the minimum number of contributions that must be paid. PRSI paid in classes A, E, H and S count. Note 5: 260 must be paid to qualify for a pension if yearly average is less than 20 Reckonable Irish social insurance contributions and social insurance contributions in the bilateral agreement country can be combined for the purpose of satisfying this condition. The third qualifying condition stipulates the yearly average number of contributions paid or credited for minimum, intermediate and maximum rates of entitlement. Maximum rate of pension is payable where a person has a "yearly average" of at least 48. The yearly average is the average number of contributions paid and/or credited per year over the period from 1953 ( see note 6), or from the year of starting insurable employment, if later, to the end of the tax year before reaching pension age (66). Note 6: Special conditions apply for persons with social insurance contributions paid prior to 1953. Maximum rate pension is also payable where a person has an "alternative yearly average" of at least 48. The alternative yearly average is the average number of contributions paid and/or credited over the period from April 1979 to the end of the tax year before reaching pension age (66). The "alternative yearly average" applies only to persons who reached age 66 on or after 6 April 1992. Reduced rates of pension are payable where a person has a yearly average of between 10 and 47. Reckonable Irish contributions and credits, and social insurance contributions in the bilateral agreement country are aggregated where the yearly average number of contributions is less than 10. The rate of pension is calculated according to the pro-rata rules explained in the earlier section whenever entitlement is dependent on aggregation. However, if there are less than 52 reckonable Irish contributions paid or credited since the date of entry under Irish legislation, no pension is payable. In the agreements with Australia, Austria, Canada, Republic of Korea, Quebec and UK (as under EU legislation), where there are less than 52 contributions paid in the other country and a pension is not awarded by that country, the Irish pension is awarded on the sum of the two insurance records without the application of the pro-rata rule. Rounding up: In calculating the yearly average, a fraction of a whole number consisting of one half or more is rounded up to the nearest whole number, e.g. 19.5 is rounded up to 20, 47.5 is rounded up to 48. Application of provisions for Widow/er's Contributory Pension Contribution Qualifying Conditions: The insurance record of either the widow/er or the late spouse may be used (but not a combination of both), as follows: - Irish contributions at classes A, B, C, D, E, H and S count. - Total paid contributions condition: 156 weeks social insurance contributions paid to date pension age was reached or to date late spouse died, if earlier. This condition can be satisfied on Irish or foreign insurance, or on a combination of both. - Average contribution condition: a minimum yearly average of 24 weeks (48 weeks for maximum rate) social insurance contributions paid or credited since starting work, up to the end of the tax year before reaching pension age or end of tax year before the date spouse died, if earlier. Alternatively, an average of 39 weeks in the period of 3 years or 5 years up to the end of the tax year before reaching pension age or the date spouse died, if earlier, will also qualify for the maximum rate. Again this condition can be satisfied on a combination of both Irish and foreign insurance contributions. However, if there are less than 52 reckonable Irish contributions paid or credited since the date of entry under Irish legislation, no pension is payable. In the agreements with Australia, Austria, Canada, Republic of Korea, Quebec and UK, (as under EU legislation), where there are less than 52 contributions paid in the other country and a pension is not awarded by that country, the Irish pension is awarded on the sum of the two insurance records without the application of the pro-rata rule. Where entitlement requires contributions under both Irish legislation and the legislation of another country, the rate of pension is calculated according to the pro-rata rules set out in the earlier section. Application of Provisions for Guardian's Payment (Contributory): For Orphan's Contributory Allowance, only 26 paid contributions are required. Irish contributions at classes A, B, C, D, E, H and S count. The contribution condition may be fulfilled on the record of either parent but not on a combination of the record of both parents. Where the contribution condition is fulfilled it does not matter where the death of the parents took place, nor where the orphan is residing. (The bilateral agreements do not provide a similar residence condition to that included in the EU Regulations.) Payment is made at the standard rate - the pro rata calculation does not apply to Guardian's Payment (Contributory). Application of provisions for Invalidity Pensions A person must: - (A) Have a total of at least 260 weeks contributions paid since entry into insurance; (this total number is reduced to 156 if a person has been getting Illness Benefit continuously since 6 April 1986, or 208 if getting Illness Benefit continuously since 6 April 1987); and - (B) Have 48 weeks PRSI paid or credited in the last complete tax year before the date of claim (Governing Contribution Year). PRSI paid in classes A, E and H count. Credited contributions awarded following payment of contributions in these Classes can be used to satisfy the 48 contributions required in the Governing Contribution Year. Where a person does not satisfy the contributions conditions on Irish contributions alone, Social Insurance contributions paid in a country with which Ireland has a Bilateral Agreement may qualify a person for a Pro Rata Invalidity Pension. The rate of payment is calculated according to the pro-rata rules set out in the earlier section. Foreign contributions paid since 1953 are counted. However, if there are less than 52 reckonable Irish contributions paid or credited since the date of entry under Irish legislation, no pension is payable. In the agreements with Australia, Austria, Canada, Quebec and UK, (as under EU legislation), where there are less than 52 contributions paid in the other country and a pension is not awarded by that country, the Irish pension is awarded on the sum of the two insurance records without the application of the pro-rata rule. If the person is residing in Ireland and is entitled to a higher rate of Illness Benefit, that person will be advised accordingly. Most of the agreements provide that a period of incapacity for work while resident in the other country will be counted as if it was in Ireland for the purpose of determining the period of incapacity. Although this is not stipulated in the Quebec agreement, the general principles of equal treatment should be understood to include this provision. Application of Provisions for Bereavement Grant: A Bereavement Grant is payable if the relevant insured person (the deceased or the person entitled to claim) had 156 PRSI contributions paid since entry into insurable employment. Contributions at A, B, C, D, E, H and S count. Alternatively it is payable if the relevant insured person had at least 26 PRSI contributions paid since entry into insurable employment, and either: - 39 PRSI contributions paid or credited in the Relevant Tax Year, or - A yearly average of 39 PRSI contributions paid or credited over the 3 or 5 tax years before the death occurred or pension age was reached (age 66 at present) or - A yearly average of 26 PRSI contributions paid or credited since 1979 (or since starting work if later) and the end of the tax year before the death occurred or pension age was reached (age 66 at present) or - A yearly average of 26 PRSI contributions paid or credited since 1st October 1970 (or since starting work if later) and the end of the tax year before the death occurred or pension age was reached (age 66 at present). Bereavement grant is paid to the personal representative of the deceased, or the husband or wife of any of the next-of-kin of the deceased, or to any other person claiming to be entitled thereto (normally the person who took care of the funeral arrangement and payment). The contributions conditions can be satisfied by the combined record under Irish legislation and that in a bilateral country provided that there are a minimum of 52 reckonable contributions paid or credited under Irish legislation. NOTE: the minimum 52 week condition does not apply in the case of Australia. Bereavement grant is not included in the Austrian or Swiss agreements, and such cases should be considered only under the EU rules. Where the contribution conditions are satisfied, Bereavement Grant is paid at a flat rate regardless of where the death occurs, and regardless of where the beneficiary lives.
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Rialacha Ní mór duit a bheith 66 bliana d'aois agus dóthain ranníocaíochtaí árachais shóisialta Rannóige A, E, F, G, H, N nó S a bheith déanta agat le bheith i dteideal an pinsean seo a fháil. Caithfidh tú: - Ranníocaíochtaí árachais shóisialta a bheith déanta agat roimh aois áirithe - Oiread áirithe ranníocaíochtaí árachais shóisialta a bheith déanta agat agus - Líon áirithe díobh a bheith déanta agat ar an mheán i rith na mblianta ó thosaigh tú ag íoc don chéad uair An t-árachas a bheith íoctha roimh aois áirithe Caithfidh tú a bheith tagtha isteach sa scéim árachais roimh aois áirithe. I gcás daoine atá faoi bhun 66 faoi láthair, caithfidh sé gur thosaigh siad ag íoc as árachas sóisialta roimh aois a 56. Tosú sa scéim árachais Séard atá i gceist le tosú sa scéim árachais ná an dáta ar thosaigh tú ag íoc as árachas sóisialta don chéad uair. Tá castacht ag baint leis na rialacha a dhearbhaíonn cathain ar tháinig tú isteach sa scéim árachais má tá árachas measctha ag an té sin. Is é sin le rá go raibh lán-árachas sóisialta aige nó aici cuid den am agus árachas athraithe uaireanta eile. De ghnáth glactar leis gur é an dáta tosú fostaíochta inárachais, dáta an chéad ranníocaíocht fostaíochta íoctha. Áfach, má tá duine le meascán de ranníocaíochtaí ráta iomlán agus ráta mionathraithe aige agus a chéad ranníocaíocht ráta iomlán íoctha roimh an 6 Aibreán, tógtar an dáta tosú fostaíochta is mó fabhar. Má thosaigh tú ag íoc lán-árachais roimh 6 Aibreán 1991 agus roimh a mbíonn tú 56 bliain d'aois, glacfar leis gur tháinig tú isteach sa scéim árachais ar an dáta ar thosaigh tú ag íoc an ráta iomlán árachais - más tairbheach duit an socrú seo. Má thosaigh tú ag íoc as lán-árachas i ndiaidh an 1 Aibreán 1991, glactar leis gur tháinig tú isteach sa scéim árachais an t-am a thosaigh tú ag íoc árachais shóisialta de chineál ar bith. Tá rialacha faoi leith ann maidir le teacht isteach sa scéim árachais i gcás daoine féinfhostaithe. Má thosaigh tú ag déanamh ranníocaíochtaí féinfhostaithe ar an 6 Aibreán 1988 agus má bhí ranníocaíochtaí íoctha agat mar fhostaí uair ar bith roimhe sin, is féidir leat do rogha a dhéanamh idir an 6 Aibreán 1988 agus an chéad lá riamh ar íoc tú as árachas agus dáta is fearr a oireann duit a bheith agat. Líon na ranníocaíochtaí a rinneadh Má shroicheann tú aois an phinsin ar nó i ndiaidh 6 Aibreán 2012, ní mór duit 520 ranníocaíocht a bheith déanta agat (ranníocaíochtaí 10 mbliana). Sa chás seo, ní féidir go mbeadh níos mó ná 260 den 520 ina ranníocaíochtaí deonacha. Más rud é, áfach, go raibh tú i do ranníocthóir deonach ar an 6 Aibreán 1997, nó roimhe, agus má tá 20 ranníocaíocht déanta ar an mheán agat in aghaidh na bliana, féadfaidh tú an riachtanas a shásamh má tá 520 ranníocaíocht déanta agat san iomlán, agus a chás sin, ní gá ach go mbeadh 156 díobh ina ranníocaíochtaí a rinneadh go héigeantach. Má shroicheann tú aois an phinsin ar nó i ndiaidh 6 Aibreán 2002, nár mhór duit 260 ranníocaíocht a bheith déanta agat (ranníocaíochtaí 5 bliana ach ní gá dóibh bheith comhleanúnacha). Má shroicheann tú aois an phinsin roimh 6 Aibreán 2002, nár mhór duit 156 ranníocaíocht a bheith déanta agat (ranníocaíochtaí 3 bliana ach ní gá dóibh bheith comhleanúnacha). Bíonn ranníocaíochtaí árachais shóisialaigh roinnte ina gceithre ghrúpa thíos - Is ionann ranníocaíochtaí árachais shóisialaigh ar lánráta agus ranníocaíochtaí ÁSPC in Aicmí A, E, F, G, H agus N nó ar 'ghnáthráta' roimh 6 Aibreán - Is ionann ranníocaíochtaí árachais shóisialaigh ar ráta mionathraithe agus ranníocaíochtaí ÁSPC in Aicmí B, C agus D (íoctha ag fostaithe sa tseirbhís phoiblí agus státseirbhísigh) - Bíonn ranníocaíochtaí deonacha déanta ag daoine faoi bhun 66 bliain d'aois nach bhfuil cuimsithe faoi ÁSPC éigeantach a thuilleadh, fad is go sásaíonn siad coinníollacha áirithe. - Tá ranníocaíochtaí creidiúnaithe ('creidmheasanna') cosúil leis na ranníocaíochtaí árachais shóisialaigh a íocann tú nuair atá tú fostaithe agus is gnách go mbíonn siad bronnta ar an ráta céanna le do ranníocaíocht dheireanach íoctha árachais shóisialaigh. Is féidir leat creidmheasanna a fháil fad is atá íocaíocht leasa shóisialaigh á héileamh agat. Ní cheadaítear creidmheasanna tar éis ranníocaíochtaí féinfhostaithe (Aicme S). Meán ranníocaíochtaí in aghaidh na bliana Ní mór duit an mheánchoinníoll a shásamh. Is dócha gurb é seo an ghné is casta a bhaineann le cáiliú le pinsean a fháil agus an ceann is mó a chothaíonn fadhbanna agus aimhrialtachtaí. Rial an ghnáth mheáin De réir riail an ghnáthmheáin ní mór duit deich ranníocaíocht chuí ar a laghad a bheith déanta agat nó creidiúnaithe duit mar mheánráta bliantúil ón bhliain a ndeachaigh tú isteach sa scéim árachais, nó ó 1953 i leith (cibé acu is déanaí) suas go dtí deireadh an bhliain chánach sula sroicheann tú aois an phinsin (66). Má bhíonn 10 gcinn mar mheán-ráta bliantúil agat tá tú i dteideal an bunphinsean a fháil. Ní mór duit 48 gcinn a bheith agat mar mheán-ráta chun an phinsean iomlán a fháil. Rial meán malartach Ní bhaineann an meán malartach seo ach leo siúd a shroicheann aois an phinsin ar an 6 Aibreán 1992 nó ina dhiaidh. Dar réir na rialach seo ní mór duit 48 ranníocaíocht Rannóige A, E, F, G, H, N nó S a bheith déanta agat, nó creidiúnaithe duit, ar an meán in aghaidh gach bliain íocaíochta ó an bliain ranníoca 1979/80 suas go dtí an bhliain ranníoca dheiridh iomlán agus an bhliain sin san áireamh go dtí do 66ú breithlá. Dá mbeadh an mheánuimhir seo agat bheifeá i dteideal pinsean iomlán a fháil. Níl aon fhoráil ann pinsean níos lú a chur ar fáil nuair a úsáidtear an meán malartach seo. Mar sin, má bhíonn an 66 bliana slán agat ar an 6 Aibreán 1992, déanfar do mheánuimhir ranníocaíochtaí a mheas ar dhá bhealach - faoin ngnáthmheán agus faoin meán malartach. Beidh formhór d'fhostaithe agus d'iarfhostaithe na tíre in ann an meán malartach a shásamh. Is dócha go ndéanfar an meán malartach a scrúdú ar dtús toisc gur fusa é a mheas. Mura bhfuil 48 ranníocaíocht déanta agat ar an mheán ó 1979 i leith déanfar an mheánuimhir a mheas ar an ngnáthbhealach agus b'fhéidir go bhfaighidh tú pinsean laghdaithe. (Mura n-éiríonn leat an meán malartach a shásamh beidh sé beagnach dodhéanta 48 acu a bheith agat mar mheán ar an ngnáthbhealach). Ag obair sa bhaile agus pinsin Stáit I 1994, rinneadh rialacháin a bheadh sé a dhéanamh níos éasca cáiliú le haghaidh pinsean, do dhaoine a ghlacann saoire chun cúram do bhaill teaghlaigh a thabhairt. Baineann an Scéim um Chúramaí Baile le daoine a bhí ina gcúramóirí ó 1994 i leith. Ní bhaineann sé leo siúd a bhí ina gcúramóirí roimh 1994 agus ní rachaidh sé chun tairbhe morán dóibh siúd a d'éirigh as a gcuid oibre go buan. Baineann sé go háirithe leo siúd a bhí ag obair taobh amuigh den bhaile ar feadh roinnt blianta, a chaith roinnt blianta mar chúramóir agus d'fhill arís ar an obair taobh amuigh. Baineann sé le fir agus le mná. Ón 5ú Aibreán 1994 i leith is féidir neamh-aird a dhéanamh ar aon bhliain síntiúis (ach teorann 20 bliain leis) a chaith duine mar chúramóir baile, nuair atá comháireamh á dhéanamh ar an meán bliantúil. Mar sin, cé nach bhfuil aon síntiúis íoctha agat ar na blianta sin, ní chuirfidh sé seo isteach ar do chuid cearta pinsin. Pinsin pro-rata Tá roinnt pinsean pro-rata ann a tugadh isteach toisc na bhfadhbanna agus na haimhrialtachatí a d'eascair ó fheidhmiú riail na meánuimhreacha ranníocaíochtaí agus toisc go raibh daoine áirithe eisiata ón gcóras árachais shóisialta ag uaireanta éagsúla. Pinsean pro-rata le haghaidh árachas meascaithe Is iad ar déanadh socrú faoi phinsean dá-réir dóibh, ná iad siúd a raibh árachas measctha acu. Thárlodh go mbeadh árachas measctha ag duine nuair a chaitheann sé/sí cuid dá s(h)aol ag obair sa tseirbhís póiblí agus ag íoc ranníocaíochtaí árachais shóisialaigh mionathraithe agus cuid eile dá s(h)aol sa rannóg phríobháideach ag íoc ranníocaíochtaí árachais shóisialaigh ag an ráta iomlán. Tá daoine ann a bhí fostaithe sa rannóg phoiblí agus sa rannóg phríobháideach nach bhfuil árachas measctha acu. Tharla sé seo de bhárr nach raibh gá do dhaoine a raibh a n-ioncam os cionn teorainn áirithe, aon árachas a íoc roimh ó 1 Aibreán 1974. Bhí grúpaí áirithe atá anois ag íoc árachais, taobh amuigh den chóras-thosaigh Gárdaí ag íoc árachais ó Aibreán 1974; thosaigh baill áirithe de na hoird rialta á íoc ó Aibreán 1988 agus dochtúirí agus fiaclóirí sa stát sheirbhís ó Aibreán 1988. D'fhéadfadh go mbeadh a ndóthain ranníocaíochtaí ag an ráta iomlán ag daoine chun go mbéidís i dteideal Pinsean Stáit (Ranníocach). Braitheann sé seo ar chuinsí gach cás ann féin. D'fhéadfadh go mbeadh duine amháin i dteideal an phinsin agus nach mbeadh duine eile, in ainneoin níos mó ranníocaíochtaí a bheith ag an dara duine. Ó 1991 i leith is féidir Pinsean Stáit (Ranníocach) a íoc ar bhonn pro rata le daoine a bhfuil árachas measctha acu. Má shroicheann tú aois a 66 ar nó tar éis 6 Aibreán 2012 caithfidh 520 ranníocaíocht idir an ráta iomlán agus an ráta mionathraithe a bheith agat. Caithfidh tú: - Ar a laghadh 260 ranníocaíochtaí a bheith íoctha nó curtha chun sochair duit ó chuaigh tú isteach in árachas nó ó 1953 pé acu is déanaí. - Meascán de lán ranníocaíochtaí agus de ranníocaíochtaí laghdaithe a bheith agat a thugann, nuair a shuimítear iad meán bliantúil 10 ón am a ndeachaigh tú isteach in árachas ar dtús, nó ó 1953 pé acu is déanaí, go dtí deireadh na bliana ranníocaíochtaí roimh do 66ú breithlá. - Gur theip ort pinsean a fháil faoi rialacha an AE nó faoi shocrú cómhalartach le tíortha eile, nó go raibh tú i dteideal pinsean a bhí ar ráta níos ísle ná an ceann a bheadh agat de bhárr an phinsin dá-réir. Má chomhlíonann tú na riachtanais seo ar fad, d'fhéadfá a bheith i dteideal pinsean a bheadh i gcomhréir leis an méid ranníocaíochtaí a bhí íoctha agat ag an ráta iomlán. Tóg sampla an-simplí, má bhí tú ag obair ar feadh 40 bliain suas go dtí aois a 66 agus gur chaith tú deich mbliana acu sin sa rannóg phríobháideach is aon ceathrú den ghnáth phinsean a bheadh ag dul duit. Tá an méid íoctha i gcomhréir do ranníocaíochtaí ag an ráta iomlán mar chéatadán iomlán do ranníocaíochtaí. Chun do phinsean a ríomh, suimítear le chéile na ranníocaíochtaí a bhí íoctha ag an ráta iomlán agus ag an ráta mionathraithe. Déantar an meán a thomhais ar an ngnáth bhealach, ansin. Má tá 10 ranníocaíocht ar an meán agat d'fhéadfá a bheith i dteideal an phinsin. Ansin roinntear an líon ranníocaíochtaí atá agat ag an ráta iomlán ar an líon iomlán ranníocaíochtaí chun a fháil amach cén codán acu atá ag an ráta iomlán. Gheobhaidh tú an codán sin den ghnáth pinsean. Bíonn an Méadú do Dhuine Fásta Cáilithe, a théann leis an bpinsean seo, comhréireach freisin. Pinsin pro-rata d'árachas uaineach Baineann an pinsean seo le daoine atá árachas uaineach acu le meánuimhir bliantúil 10 nó níos lú. Ní bhaineann sé le hiarratasóirí nua a thuilleadh (ó Eanáir 2013). Níor íocadh an pinsean pro-rata seo ach amháin le daoine a chomhlíonann na coinníollacha speisialta. Caithfidh siad taifead briste a bheith acu agus a tháinig isteach in árachas arís sa bhliain 1974 nuair a cuireadh deireadh leis an teorainn ioncaim. Déantar an mheánuimhir a mheas ar an ngnáthbhealach agus má tá 10 nó breis acu ar an meán faigheann siad pinsean ar an ngnáthbhealach. Áfach, má tá sí idir 5 agus 9, fuair siad pinsean pro-rata, (ceathrú den uasphinsean). Féach ‘Tuilleadh eolais’ chun faisnéis bhreise maidir le pinsin pro-rata eile nach baineann le go leor daoine (tá an chuid is mó den daoine incháilithe os cionn aois 66) Pinsin AE pro-rata Má d'oibrigh tú in Éirinn agus i mballstát nó i mballstáit de chuid an AE, cuirfear do chuid ranníocaíochtaí árachais shóisialta ó gach ballstát le do chuid ranníocaíochtaí árachais shóisialta in Éirinn le gur fearr do theideal ar íocaíocht leasa shóisialaigh. Tá tuilleadh eolais ar fáil faoi do chuid ranníocaíochtaí árachais shóisialta a chur le chéile le teideal a fháil ar phinsean stáit. Oibrítear amach na liúntais le haghaidh daoine fásta agus le haghaidh daoine ós cionn 80 ar an mbealach seo freisin. Ní féidir an liúntas le haghaidh páiste cleithiúnaigh a fháil ach ó thír amháin agus más as Éirinn atá sé ag teacht íocfar ina iomláine é. Comhaontuithe déthaobhach leasa ahóisialaigh Tá comhaontuithe déthaobhach leasa shóisialaigh ag Éirinn le Ceanada, na Stáit Aontaithe, An Astráil, An Nua Shéalainn, An Eilbhéis, an Ostair, an tSeapáin, Korea, agus le Quebec (a bhfuil córas éagsúil aici ón gcuid eile de Cheanada). Tríd is tríd tá na haontais seo cosúil le chéile agus go hiondúil socraíonn siad gur féidir árachas sóisialta a íoctar in Éirinn agus i dtíortha eile, a chur le chéile chun go mbeadh daoine i dteideal pinsin sean-aoise agus pinsin scoir. Go hiondúil bíonn an módh a úsáidtear chun méid an phinsin a oibriú amach, cosúil le rialacha an AE. freisin. Ón 6 Iúil 2012, má tá ioncam ag do chéile, pháirtnéir sibhialta nó chomhchónaitheoir de bhreis ar €400 sa tseachtain, ní féidir leat Méadú i leith Leanbh Cáilithe (MLC) a éileamh. Má thuilleann do chéile, pháirtnéir sibhialta nó chomhchónaitheoir idir €310 agus €400 sa tseachtain, gheobhaidh tú MLC leathráta. Ní bhaineann seo ach amháin le héilimh déanta i ndiaidh 6 Iúil 2012. Ó Aibreán 2012 is féidir éilimh déanacha ar phinsin ranníocacha bheith siardhátaithe suas go 6 mhí ar a mhéid. Baineann sé seo le Pinsean Stáit (Ranníocach agus Eatramhach) agus Pinsean Baintrí, Baintrí Fir nó Páirtnéara Shibhialta Mharthanaigh (Ranníocach). Léigh tuilleadh inár ndoiciméad faoi Cá háit a dheánfaidh mé iarratas? Ba cheart aon cheist a bhaineann le do theideal ar Phinsean Stáit (Ranníocach) a chur chuig d'oifig leasa shóisialaigh nó chuig: An Roinn Coimirce Sóisialaí Seirbhísí Leasa Shóisialaigh Bóthar an Choláiste Sligeach Éire Uaireanta Oscailte:Ní thairgeann an oifig seo seirbhís do chuairteoirí pearsanta. Caithfidh gach ceist a bheith cur isteach tríd an fhoirm fiosraithe ar líne a úsáid, tríd an teileafón nó i scríbhinn. Láithreán Gréasáin: http://www.welfare.ie/ Is féidir leat ríomhphost don Rannóg Pinsean Stáit (Ranníocach) a sheoladh tríd an fhoirm fhiosraithe daingnithe Pinsean Stáit (Ranníocach) a úsáid. Más mian leat labhairt duine-le-duine faoi do theidlíochtaí, is féidir leat cuairt a thabhairt ar d'ionad Faisnéise do Shaoránaigh áitiúil, oifig leasa shóisialaigh áitiúil nó ionad Intreo. Ba cheart ceisteanna a bhaineann le do thaifead árachais shóisialta a chur chuig: Rannóg um Taifead ÁSPC Roinn Coimirce Sóisialaí Bóthar Mhic Artúir Ard Rámhann Bun Crannacha Dún na nGall Éire Láithreán Gréasáin: http://www.welfare.ie/ Tuilleadh eolais Athruithe ar an bPinsean Stáit (Ranníocach) Rinne an tAcht Leasa Shóisialaigh agus Pinsean 2011 roinnt athruithe ar an aois cháilitheach do na pinsin Stáit. Beidh an aois cháilitheach ardaithe go dtí 67 bliain i 2021 agus 68 bliain i 2028 mar a leanas: - Má saolaíodh tú an 1 Eanáir 1955 nó ina dhiaidh ní cháileoidh tú don Pinsean Stáit go dtí go mbeidh tú 67 bliain ar a laghad. - Má saolaíodh tú an 1 Eanáir 1961 nó ina dhiaidh ní cháileoidh tú don Pinsean Stáit go dtí go mbeidh tú 68 bliain ar a laghad. Athruithe molta Faoin gCreatlach Náisiúnta um Pinsin tá roinnt athruithe eile pleanáilte do na choinníollacha cáilitheacha don Phinsean Stáit (Ranníocach) (ó 2020). Teastaíonn reachtaíocht sula dtagann na hathruithe seo i bhfeidhm. Is é an príomhathrú atá molta ná tabhairt isteach cur chuige ranníocaíochtaí iomláin chun teacht in áit an chórais atá ann faoi láthair. Ciallaíonn sé seo go mbeidh méid an phinsin a íocfar leat díreach ar aon dul le líon na ranníocaíochtaí árachais shóisialaigh agus/nó creidmheasanna a d'fhéadfadh a bheith íoctha agat thar do shaol oibre. Más rud é gur rugadh thú tar éis 1 Eanáir 1954, nuair a bhaineann tú aois an phinsin amach, teastóidh 30 bliain de ranníocaíochtaí agus/nó creidmheasanna chun an Pinsean Stáit is mó a fháil. Beidh tú in ann an Pinsean Stáit is lú a fháil má tá 520 ranníocaíocht ag an ráta iomláin íoctha agat (10 mbliana). Beidh an pinsean is lú ag aon trian den ráta uasta. Is féidir leat aon tríocha eile den phinsean a fháil do gach bliain bhreise ar ranníocaíochtaí atá agat. Is é an líon uasta de chreidmheasanna gur féidir leat a úsáid agus do theidlíocht Pinsin Stáit á ríomh ná 520 (nó 10 mbliana). Má theastaíonn ranníocaíochtaí breise uait chun a bheith i dteideal Pinsin Stáit, beidh tú in ann leanúint ar aghaidh ag íoc ranníocaíochtaí ráta-iomláin tar éis duit aois an phinsin a bhaint amach. Má chuireann tú éileamh do phinsean ar athló, beidh tú in ann an íocaíocht a iarchur go dáta a roghnaíonn tú féin. Má roghnaíonn tú é seo a dhéanamh, íocfar méadú ceart sa ráta leat ón dáta atá tú ag iarraidh go dtosóidh d'íocaíocht. Pinsin pro-rata Pinsean pro-rata do dhaoine féin-fhostaithe Tá dualgas ar dhuine féin-fhostaithe árachas sóisialta a íoc ó 1988 i leith. Roimhe sin bhíodh roinnt daoine féin-fhostaithe ag íoc árachais go deonach. Bhí roinnt daoine féin-fhostaithe os cionn an íos-aois cheana féin nuair a thosaigh siad ag íoc árachais i 1988. Í mí Aibreáin 1999 tugadh isteach pinsean speisialta dá-réir, don dream seo. D'fhéadfá a bheith i dteideal an phinsin dá-réir má bhí tú 56 nó ós a cionn ar an 6ú Aibreán 1988 (gur rugadh thú ar nó roimh 6ú Aibreán 1932). Pinsean pro-rata do dhaoine a d'íoc ranníocaíochtaí roimh 1953 Tugadh an pinsean seo isteach den chéad uair i mí Bealtaine 2000. D'fhéadfá a bheith ina theideal má tá 260 ranníocaíochtaí ar a laghad agat ag an lán-ráta agus cuid acu a bheith íoctha roimh 1953. Déantar gach 2 ranníocaíochtaí a bhí íoctha roimh 1953 a áireamh mar 3 ranníocaíochtaí. Má chomhlíonann tú na riachtanais sin d'fhéadfá pinsean dá-réir ag leath ráta a fháil. Íoctar an liúntas le haghaidh páiste cleithiúnaigh ag leath an ráta freisin. Íoctar an liúntas le haghaidh duine os cionn 80 ag an ráta iomlán. Pinsin pro-rata d'árachas uaineach Ní bhaineann an pinsean seo le hiarratasóirí nua ó Eanáir 2013. Socraíodh pinsin pro-rata ar dtús dóibh siúd a raibh árachas acu tráth amháin agus tada acu uair eile de thoradh na dteorainneacha ioncaim a cuireadh ar ranníocaíochtaí. Roimh 1974 ní raibh sé de dhualgas ar oibrithe nach raibh obair láimhe ar siúl acu ranníocaíochtaí árachas sóisialta a dhéanamh ach amháin má bhí a n-ioncam faoi bhun leibhéal áirithe. Cuireadh deireadh leis an teorainn ioncaim seo in Aibreán 1974. D'íoc a lán daoine as árachas sóisialta ar feadh tamaill, d'éirigh as ansin ó thaobh ioncaim os cionn teorainn agus d'fhill ar an gcóras in Aibreán 1974 toisc gur cuireadh an teorainn ioncaim ar ceal. Ní raibh siad ábalta an meánriachtanas a shásamh mar d'éirigh siad as íoc ar feadh tamaill. Rinneadh socruithe an 14 Meán Fómhair 1988 chun go mbeadh siad incháilithe pinsin pro-rata a fháil. Déantar an mheánuimhir a mheas ar an ngnáthbhealach agus má tá 10 nó breis acu ar an meán faigheann siad pinsean ar an ngnáthbhealach. B'fhéidir go bhfaighidh siad pinsean pro-rata, (ceathrú den uasphinsean), áfach, má tá sí idir 5 agus 9. Is féidir an pinsean pro-rata, seo a íoc le daoine a chomhlíonann na coinníollacha speisialta seo a leanas. Is féidir an pinsean pro-rata, seo a íoc le daoine a bhfuil bearnaí ina gcuid árachais acu agus a tháinig isteach in árachas arís sa mbliain 1974 nuair a cuireadh deireadh leis an teorann ioncaim. Má tháinig tú isteach in árachas arís sa bhliain sin ar aon chúis eile (mar shampla, mar gheall ar go raibh tú féin-fhostaithe roimhe sin nó amuigh as an tír), ní chomhlíonann tú na riachtanais agus ní bheidh tú i dteideal pinsean pro-rata. Má tá tú incháilithe an pinsean pro-rata seo a fháil féadfaidh tú liúntas cáilithe an duine fásta a fháil agus liúntas iomlán do leanaí cleithiúnacha. Ní bhaineann an pinsean pro-rata seo ach amháin le Pinsean Stáit (Ranníocach) agus le Pinsean Baintrí, Baintrí Fir nó Páirtnéara Shibhialta Mharthanaigh (Ranníocach). Tá sé níos éasca cáiliú le haghaidh Pinsin Baintrí, Baintrí Fir nó Páirtnéara Shibhialta Mharthanaigh (Ranníocach) agus dá bhrí sin tá méid an-bheag de dhaoine atá pinsin pro-rata ag teastáil uathu.