http___www.welfare.ie_ga_Pages_248_State-Pension-Non-Contributory.aspx_1.xml
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Introduction The means-tested State Pension (Non-Contributory) is a payment for people aged over 66 who do not qualify for a State Pension (Contributory) or who only qualify for a reduced contributory pension based on their insurance record. This pension is taxable but you are unlikely to pay tax if it is your only income. Changes to the qualifying age for State pensions The Social Welfare and Pensions Act 2011 made a number of changes to the qualifying age for State pensions. The qualifying age will rise to 67 in 2021 - If you were born on or after 1 January 1955 the minimum qualifying State pension age will be 67 - If you were born on or after 1 January 1961 the minimum qualifying State pension age will be 68 Under the National Pensions Framework a number of other changes are planned to the qualifying conditions for the State Pension (Contributory) from 2020. These changes do not affect the State Pension (Non-Contributory). Rules You may qualify for the State Pension (Non-Contributory) if: The means test Your means are assessed under the following headings: - Cash income (including income from work) - Value of capital (for example, savings, investments, cash on hand and property but not your own home) - Income from property personally used Cash income Any cash income you have is assessed in the means test. This includes income from a social security pension from another country. However, certain items of cash income are not taken into account in the means test. For example, earnings of up to €200 per week from employment (but not self-employment) are not taken into account (or are disregarded). This disregard applies to both you and your spouse, civil partner or cohabitant. Any income from work above €200 is assessed as means. If you own or lease land your net income from farming or leasing is fully assessed with no disregards. The net income is worked out by deducting expenses incurred from the gross income. If you own land that is not productively used or leased this is assessed on its capital value. Payments you get under the Farm Retirement Scheme and income from property that has already been assessed on its capital value are also not taken into account. More information is available in our document about cash income not taken into account in the means test. Capital and property not personally used Savings, investments, cash on hand and any property you own (but not your own home) is assessed as capital. All your capital from different sources is added together and a special formula is then used to find your weekly means from capital. The property and investments that may be assessed under this heading include savings in a bank account (or anywhere else), a house that you have let and stocks and shares. You may or may not be getting an income from the property or investment. Income from property already assessed on its capital value is not assessed in the means test - see 'Cash income' above. If you or your spouse, civil partner or cohabitant saves a portion of your State Pension (Non-Contributory) each week, these savings as well as savings from most other sources will be taken into account as part of your means. More information is available in our document on how capital and property is assessed as means. Different rules for the assessment of capital are used in the means tests for Disability Allowance (DA) and State Pension (Non-Contributory). This means that people moving from DA to State Pension (Non-Contributory) at age 66 could have found that their pension was lower than their DA. However, the Social Welfare and Pension Act 2008 provides that, if you are moving from DA to State Pension (Non-Contributory) at age 66, you will not get a lower-rate pension due to a less favourable assessment of capital. Income from property personally used (your home) The value of the house you live in is not taken into account in the means test. However, any income you are getting from it is taken into account. For example, if you rented a room in your house, that income is assessed. There is an exception to this, if not renting the room means that you would be living alone then your income from rent is not taken into account. Selling your home If you sell your home, the proceeds of the sale would normally be taken into account as means. If you are living in accommodation which no longer suits you or which you are no longer able to maintain, you may be able to sell your home and move to more suitable accommodation and have up to €190,500 of the proceeds of the sale excluded from the means test. This exemption of €190,500 applies if you sell your house in order to: - Buy or rent more suitable alternative accommodation - Move into a private nursing home which is registered under the Health (Nursing Homes) Act 1990 - Move in with a person who is getting a carer's payment to care for you - Move to sheltered or special housing in the voluntary, co-operative, statutory or private sectors Usually the first €190,500 of the sale proceeds is not taken into account. However, if you use the proceeds of the sale to buy more suitable accommodation, the balance of the proceeds after buying the new accommodation is exempt up to a limit of €190,500. However the proceeds of the sale may be taken into account by the Health Service Executive (HSE) when your entitlement to the Nursing Homes Support Scheme is being assessed. Investment income from the sale of your home Any benefit you get from investing the sale proceeds is assessable as means. Interest which is kept as capital is assessable in the same way as capital is normally assessed. However, the Department of Employment Affairs and Social Protection states in its Operational Guidelines on Means Assessment that an allowance should be made where a person has significant maintenance expenses, such as nursing home costs, which are met out of interest payments. In such cases, only the interest on the exempted capital (up to a maximum of €190,500) may be disregarded as means. Leaving your home but not selling If, due to old age or incapacity, you leave your home either on a temporary basis or indefinitely, the value of your home will not be assessed as means. However, if it is put to profitable use (for example, rented out), the capital value of the house will then be assessed as means. Total means Your means under the various headings are added together to see what level of pension, if any, you can get. If you are one half of a couple (married couple, civil partners or a cohabiting couple) then your means are taken to be half of the total means of yourself and your spouse, civil partner or cohabitant. Note that you can have savings or assets of up to €20,000 and earnings of up to €200 per week from employment and still qualify for a full State Pension (Non-Contributory). The first €30 per week of means as assessed by the Department of Employment Affairs and Social Protection does not affect the rate of pension. After that, the pension is reduced by €2.50 each week for every €2.50 of means. If you were getting Farm Assist and the different means test that applies to the State Pension (Non-Contributory) results in you getting a lower level of payment, you keep your entitlement to the higher amount. Married, civil partners and cohabiting couples When your spouse, civil partner or cohabitant reaches 66 you will no longer get an increase in your payment for them as a qualified adult. However, he or she may apply for a State Pension (Non-Contributory) in his/her own right. If you are getting State Pension (Non-Contributory) the Increase for a Qualified Adult will be paid directly to your adult dependant. This only applies to applications for state pensions received by the Department of Employment Affairs and Social Protection after 27 September State Pension (Non-Contributory) from 30 March 2018 How to apply To apply fill in a State Pension (Non-Contributory) application form (pdf). You can get an application form from your Intreo Centre or Social Welfare Branch Office, post office or Citizens Information Centre. You should send your completed application form to the address below. You should apply three months before you reach 66. If you need help filling out the form you can visit your nearest Citizens Information Centre. You should make sure that you fill in all relevant sections and provide evidence of your income and assets where required – otherwise there may be a delay in processing your application. You should include information about all your bank, credit union or post office accounts, including recent statements from each account you hold. You also need to provide recent payslips if you are working and information about any other pensions you have. You may be visited by a social welfare officer who will assess your means. You will be told how exactly your means were assessed. If you are not satisfied, you may appeal to the Social Welfare Appeals Office. You must always tell the Department of Employment Affairs and Social Protection if there are any changes to your circumstances while you are getting a State Pension (Non-Contributory). If your means or circumstances change you may no longer qualify for the payment or it may be reduced. This could mean that you have to repay an overpayment. Where to apply Department of Employment Affairs and Social Protection Social Welfare Services College Road Sligo Ireland Opening Hours: This office does not offer a service to personal callers. All queries must be made using the online enquiry form, by telephone or in writing. Tel: (071) 915 7100 (If calling from outside the Republic of Ireland please call + 353 71 915 7100) Locall: 1890 500 000 (Note: the rates charged for using 1890 (Lo-call) numbers may vary) Homepage: http://www.welfare.ie/ You can email the State Pension (Non-Contributory) section using the secure enquiry form. If you wish to talk to someone face-to-face about your pension entitlements, you can visit your local Citizens Information Centre, Intreo Centre or Social Welfare Branch Office. Further information Extra benefits with a State Pension (Non-Contributory) If you are getting State Pension (Non-Contributory), you may be entitled Supplementary Welfare Allowance Scheme There are a number of supplementary payments under this scheme, for example, Rent Supplement and Back to School Clothing and Footwear Allowance. Rent Supplement is a payment that helps with the cost of your rent. Living Alone Increase is a supplementary payment for people getting certain social welfare payments who are living alone. Household Benefits Package is a package of benefits that provides financial assistance with the cost of some household utilities. It includes an Electricity or Gas Allowance and a Free Television Licence. Free Travel Pass allows people on certain social welfare payments to access public transport services for free. If you live on a specified island off the Irish coast you can access certain private transport services. Fuel Allowance is an allowance that provides help with the cost of fuel to people who are dependent on long-term social welfare payments. Island Increase is a supplementary payment for people getting certain social welfare payments and living on specified islands off the coast of Ireland. Centenarian's Payment is a payment made to all Irish citizens and people normally considered to be living in the State on reaching 100 years of age. This payment is issued automatically to those who are getting a State Pension (Non-Contributory). Carer's Support Grant is an annual payment made to carers, aged 16 or over, providing full-time care for at least six months a year. If a person getting a State Pension (Non- Contributory) from the Department of Employment Affairs and Social Protection dies, you should: - Tell the Department of the death as soon as possible - Return the person’s social services card (this is the card that they use to collect their payment at the Post Office). You should note both the PPS Number and card number for your reference - Return their Free Travel Pass In many cases, the spouse, civil partner, cohabitant or carer will receive a payment for six weeks following the death.
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Réamhhrá Is an Pinsean Stáit (Neamh-Ranníocach) de réir tástála acmhainne é íocaíocht do dhaoine níos sine ná 66 bliain d'aois nach bhfuil incháilithe Pinsean Stáit (Ranníocach) a fháil nó nach bhfuil incháilithe ach amháin le haghaidh pinsin ranníocach laghdaithe bunaithe ar a dtaifead árachais a fháil. Athruithe ar an aois cháilitheach do na pinsin Stáit 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. De réir an Chreata Náisiúnta Pinsean tá roinnt athruithe ar na coinníollacha cáilitheacha don Phinsean Stáit (Ranníocach) beartaithe ó 2020. Ní théann na hathruithe seo i bhfeidhm ar an bPinsean Stáit (Ranníocach). Rialacha Seans go bhfuil tú i dteideal an Pinsean Stáit (Neamh-Ranníocach) An tástáil acmhainne Meastar acmhainní de réir rialacha sonracha faoi na cinnteidil a leanas: - ioncam (airgead tirim) - luach caipitil agus maoine nach bhfuil úsáid phearsanta á baint as - luach maoine a bhfuil úsáid phearsanta á baint as (m.sh., do theach cónaithe) Tioncam (airgead tirim) Déantar measúnú ar gach ioncam i bhfoirm airgid a d’fheadfá a bheith ag súil leis go réasúnta i rith na bliana sin i ndiaidh an dáta ina ndéantar an t-áireamh. Is éard a tharlaíonn de ghnáth ná go ndéantar é seo a mheasúnú i bhfianaise an ioncaim a fuair tú an bhliain roimhe sin. Tá míreanna áirithe den ioncam airgid nach gcuirtear san áireamh, áfach. Ní chuirtear san áireamh, mar shampla, airgead suas go €200 in aghaidh na seachtaine a thuilltear de thoradh fostaíochta (ach ní de thoradh féinfhostaíochta). Baineann an tarscaoileadh leat agus le do chéile, do pháirtnéir sibhialta nó do chomhchónaitheoir. Is mar mhaoin a áirítear gach ioncaim os a chionn sin. Má tá talamh faoi d’úinéireacht nó á ligean agat, déantar measúnú gan aon neamhaird ar do ghlanioncam ón bhfeirmeoireacht nó ón léasú. Ríomhtar an glanioncam trí na costais a tabhaíodh a asbhaint ón ollioncam. Má tá talamh faoi d’úinéireacht nach mbaintear úsáid as go táirgiúil nó á ligean, déantar measúnú ar a luach caipitiúil. Ní chuirtear íocaíochtaí a fhaightear faoin Scéim Scoir Feirmeoireachta san áireamh. I measc na míreanna d’ioncam airgid a dhéantar a mheasúnú tá aon ioncam ó phinsean slándála sóisialaí ó thír eile. Tá tuilleadh faoi conas measúnú a dhéanamh ar do chuid acmhainní ó airgead tirim. Caipiteal agus maoin nach bhfuil úsáid phearsanta á baint as Má tá maoin agat nach bhfuil úsáid phearsanta á baint aisti nó má tá infheistíochtaí nó aon chineál eile caipitil agat, measfar a luach bliantúil, de réir foirmle speisialta. Is cuma tú bheith ag fáil ioncaim ón maoin nó infheistíocht seo nó gan a bheith. I measc na maoine agus na n-infheistithe ar féidir measúnú a dhéanamh orthu faoin gceannteideal seo tá coigilteas i gcuntas bainc (nó aon áit eile), teach a ligeann tú ar cíos agus stoic agus scaireanna. Má dhéanann do chéile nó do pháirtí cuid de do Phinsean Stáit (Neamhranníocach) a choigilt gach seachtain, cuirfear an coigilteas sin agus coigilteas ó bheagnach gach foinse eile san áireamh mar chuid de do mhaoin. Tá tuilleadh faoi conas measúnú a dhéanamh ar do chuid acmhainní ó chaipiteal. Tá na rialacha a bhaineann le measúnú ar chaipiteal difriúil sna tástálacha acmhainne maidir le Liúntas Míchumais (LM) agus Pinsean Stáit (Neamh-Ranníocach). Ciallaíonn sé seo go bhféadfadh daoine atá ag aistriú ó LM go dtí Pinsean Stáit (Neamh-Ranníocach) ag 66 bliana d’aois a fháil amach go bhfuil a bpinsean níos lú ná an LM. Déanann an tAcht um Leasa Shóisialaigh agus Pinsean 2008 foráil do dhuine atá ag aistriú ó Liúntas Míchumais (LM) chuig Pinsean Stáit (Neamh-Ranníocach) ag 66 bliana d’aois: ní bhfaighidh tú ráta pinsin níos ísle toisc measúnú ar chaipiteal nach bhfuil chomh fabhrach. Maoin a mbaintear úsáid phearsanta as Ní mheastar do theach cónaithe mura bhfuil ioncam á thuilleamh agat as. Má tá seomra tí ligthe ar cíos agat, measfar an t-ioncam as sin. Ach, más i d'aonar a bheifeá ag cónaí murach an seomra sin a bheith ligthe, ní mheasfar an t-ioncam ar chor ar bith. Do bhaile a dhíol Má dhíolann tú do bhaile, de ghnáth beidh fáltais an díolacháin curtha san áireamh mar acmhainní. Má chónaíonn tú i lóistín nach n-oireann duit a thuilleadh nó ar ródheacair duit é a chothabháil, féadfaidh tú do bhaile a dhíol chun bogadh go cóiríocht níos oiriúnaí agus d’fhéadfadh suas go €190,500 d’fháltais an díolacháin bheith díolmhaithe ón tástáil acmhainne. Cuirtear an díolúine seo €190,500 i bhfeidhm má dhíolann tú do bhaile chun: - Cóiríocht níos oiriúnaí a cheannach nó a fháil ar cíos - Bogadh go teach altranais príobháideach atá cláraithe faoin Acht um Shláinte (Tithe Banaltrais) 1990 - Bogadh isteach le duine a fhaigheann íocaíocht cúramóra thar do cheann - Bogadh go tithíocht speisialta nó sciath-thithíocht sna hearnálacha deonacha, comhoibríocha, reachtúla nó príobháideacha De ghnáth, ní chuirtear an chéad €190,500 d’fháltais an díolacháin san áireamh. Áfach, má bhaineann tú úsáid as fáltais an díolacháin chun cóiríocht níos oiriúnaí a cheannach, tabharfar díolúine ar iarmhéid na bhfáltas ó do sheanbhaile cónaithe a dhíol suas go teorainn Ioncam infheistíochta ó dhíolachán do bhaile Déantar aon sochar a fhaigheann tú ó infheistíocht fáltais an díolacháin do bhaile a mheasúnú. Déantar ús atá coinnithe mar chaipiteal a mheasúnú sa chaoi chéanna mar déantar caipiteal a mheasúnú de ghnáth. Áfach, leagann an Roinn Coimirce Sóisialaí sa Threoirlínte Oibriucháin maidir le Measúnú Acmhainne go dhéanfaí lámháil má tá costais shuntasacha cothabhála ag duine, mar shampla costais tithe altranais, agus caithfidh siad as íocaíochtaí úis bheith glanta. Sna cásanna seo, ní dhéanfar neamhshuim ar thástáil mhaoine ach amháin an t-ús ar an chaipiteal díolmhaithe (suas go teorainn Ag fágáil do bhaile gan é a dhíol Má fhágann tú do bhaile, de dheasca seanaoise nó éiglíochta, ar feadh gearrthréimhse nó ar feadh tréimhse éiginnte, ní mheasúnófar luach do bhaile chónaithe mar acmhainn. Má bhaintear feidhm bhrabúsach as do bhaile cónaithe, áfach, mar shampla má ligtear ar cíos é, ansin measúnófar luach caipitil do thí mar acmhainn. Acmhainní iomlána Suimítear d'acmhainní faoi na cinnteidil éagsúla chun méid aon phinsin ar féidir leat a fháil a mheas. Más cuid de lánúin tú (.i. lánúin phósta, páirtnéirí sibhialta nó lánúin comhchonaithe) glacfar leis gurb iad d'acmhainní leath acmhainní uilig na lánúine. Ní bhíonn aon tionchar ar ráta an phinsin ag an gcéad €30 de mhaoin in aghaidh na seachtaine faoi mar a dhéanann an Roinn Coimirce Sóisialaí measúnú uirthi. Ina dhiaidh sin déantar laghdú €2.50 in aghaidh na seachtaine ar an bpinsean in aghaidh gach €2.50 maoine. Má tá tú ag fáil Cúnamh Feirme, agus laghdaítear d'íocaíocht mar thoradh ar thástáil acmhainne an Pinsean Stáit (Neamh-Ranníocach), beidh tú fós i dteideal na híocaíochta níos airde. Lánúineacha pósta, páirtnéirí sibhialta agus lánúineacha comhchónaithe Nuair a bhaineann do chéile/pháirtnéir sibhialta/chomhchónaitheoir aois 66 bliain amach, ní bhfaighidh tú an Méadú do Dhuine Fásta Cáilithe. Is féidir leis/léi iarratas a dhéanamh ar Pinsean Stáit (Neamh-Ranníocach) dó/di féin. Má tá Pinsean Stáit (Neamhranníocach) á fháil agat íocfar an méadú i leith Duine Fásta Incháilithe go díreach le do chleithiúnach fásta ó 27 Meán Fómhair 2007 ar aghaidh. Ní bhaineann sé seo ach le hiarratais ar phinsin stáit a fhaigheann an Roinn i ndiaidh 27 Meán Fómhair Rátaí Is iad uasrátaí an Pinsean Stáit (Neamh-Ranníocach) ó 30 Márta Conas iarratas a dhéanamh Íoslódáil agus comhlánaigh an fhoirm iarratais anseo (pdf) nó faigh ceann ó d'Ionad Intreo nó d'Oifig Bhrainse Leasa Shóisialaigh. Ba chóir an fhoirm iarratais comhlánaithe a sheoladh ar ais chuig an seoladh thíos. Tá foirmeacha iarratais ar fáil sna oifigí poist. Ba chóir iarratas a dhéanamh trí mhí roimh duit aois 66 bliain a bhaint amach. Tabharfaidh oifigeach leasa sóisialaigh cuairt ort d'fhonn tástáil acmhainne a chur ort. Inseofar duit cén chaoi ar measadh d'acmhainní. Mura mbíonn tú sásta, is féidir achomharc a dhéanamh don Oifig Achomhairc Leasa Shóisialaigh. Cá háit a ndéanfaidh mé iarratas An Roinn Gnóthaí Fostaíochta agus 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. Teil: (071) 915 7100 (If calling from outside the Republic of Ireland please call + 353 71 915 7100) Lóghlao: 1890 500 000 (Note: the rates charged for using 1890 (Lo-call) numbers may vary) Láithreán Gréasáin: http://www.welfare.ie/ Is féidir leat ríomhphost don Rannóg Pinsean Stáit (Neamh-Ranníocach) a sheoladh tríd an fhoirm fhiosraithe daingnithe 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, Ionad Intreo nó d'Oifig Bhrainse Leasa Shóisialaigh. Sochair bhreise le Pinsean Stáit (Neamh-Ranníocach) Má tá tú ag fáil Phinsean Stáit (Neamh-Ranníocach), d'fhéadfá a bheith i dteideal: Scéim Liúntas Leasa Forlíontach Tá líon íocaíochtaí breise faoin scéim seo, mar shampla, Forlíonadh Cíosa agus Liúntas Éadaí agus Coisbhirt don Scoilbhliain Nua. Is íocaíocht ón Oifigeach Leasa Pobail ag d'ionad sláinte áitiúil a chuidíonn le costas do chíosa í Forlíonadh Cíosa. Is íocaíocht fhorlíontach do dhaoine atá ag fáil íocaíochtaí leasa shóisialaigh áirithe atá ina gcónaí leo féin í Méadú um Chónaí Aonair. Is pacáiste sochar é Pacáiste Sochar Teaghlaigh a sholáthraíonn cúnamh airgeadais le costas roinnt fóntais tí. Cuimsíonn sé Liúntas Leictreachais nó Gáis, Liúntas Teileafóin agus Saorcheadúnas Teilifíse. Ligeann Pas Saorthaistil do dhaoine ar íocaíochtaí leasa shóisialaigh áirithe úsáid a bhaint as seirbhísí iompair phoiblí saor in aisce. Má tá tú i do chónaí ar oileán sainithe amuigh ó chósta na hÉireann is féidir leat seirbhísí iompair phríobháideacha áirithe a rochtain. Is liúntas é Liúntas Breosla a sholáthraíonn cabhair le costas breosla do dhaoine atá ag brath ar íocaíochtaí leasa shóisialaigh fhadtéarmacha. Is íocaíocht í Forlíontach Oileán do dhaoine atá ag fáil íocaíochtaí leasa shóisialaigh áirithe agus atá ina gcónaí ar na hoileáin sainithe amuigh ó chósta na hÉireann. Is íocaíocht a thugtar do shaoránaigh uile na hÉireann agus do dhaoine a mheastar mar dhaoine atá ina gcónaí, de ghnáth, sa Stát ar 100 bliain d'aois a bhaint amach í Íocaíocht do Dhaoine in Aois a gCéid. Eisítear an íocaíocht seo go huathoibríoch dóibh siúd atá ag fáil Phinsean Stáit (Neamh-Ranníocach). Is íocaíocht bhliantúil í Deontas Chúram Faoisimh a thugtar do chúramóirí, 16 bliana d'aois nó níos sine, a sholáthraíonn cúram lánaimseartha ar feadh sé mhí ar a laghad in aghaidh na bliana. Má fhaigheann duine ag fáil Phinsean Stáit (Neamh-Ranníocach) bás, ba chóir duit leabhar pinsin an duine a sheoladh ar ais. Coinnigh nóta den Uimhir Pinsean. I mórán cásanna, gheobhaidh an chéile/páirtnéir sibhialta/comhchónaitheoir nó cúramóir íocaíocht ar feadh sé seachtaine tar éis an bháis.