http___www.welfare.ie_ga_Pages_3777_What-is-the-means-test.aspx_1.xml
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A means test is a way of checking if you have enough means to support yourself and what amount of payment, if any, you may qualify for. Your means are any income belonging to you or your spouse, civil partner or cohabitant and property (except your own home) or an asset that could provide you with an income. You must complete the application form fully so that we can calculate your means. You must give all details of your own means and those of your spouse, civil partner or cohabitant where applicable. You must submit all necessary documents such as bank statements, details of all your earnings or other pension payslips with your application. If you submit an incomplete application form or if you don’t submit the required supporting documents a decision on your application may be delayed or result in your pension being refused. Your claim for pension may be forwarded to a local Social Welfare Inspector for investigation and interview. What counts as your means? Your Means includes but is not limited to: - income belonging to you or your spouse, civil partner or cohabitant, - the value of any investments, savings, funds, bonds and shares that you may have - the value of any property, except your own home, - maintenance paid to you if you are deserted or separated, - income from employment or self-employment. A disregard of earnings from insurable employment of €200 a week applies to both you and your spouse, civil partner or cohabitant, where applicable. However, this disregard does not apply to earnings from self-employment. If you are married, in a civil partnership or cohabiting, we will include the means of your spouse, civil partner or cohabitant in the means test. If you own or lease a farm of land, we assess as means the yearly value of any income that you or your spouse, civil partner or cohabitant have from it. We work out the yearly value by deducting any necessary expenses from the gross income. If you or your spouse, civil partner or cohabitant deprive yourselves of an income or property (including money) to qualify for State Pension (Non-Contributory) or to qualify for this pension at a higher rate, we will include that income or property in the means test. However, this may not apply in the case of certain family settlements involving the transfer of ownership of a farm or business. Note: If you are married, in a civil partnership or cohabiting, your means will be calculated as half the joint means of you and your spouse, civil partner or cohabitant. How do you assess capital? Capital refers to savings, investments, shares, funds, bonds, cash-on-hand and the value of property (except your own home). When working out your means from capital, we use a special formula to work out your means: This formula is used: Example 1 Example 2 If each of the couple in example 2 were aged 66 or over, both of them would each qualify for a weekly pension of Note: If you qualify for State Pension (Non-Contributory), the rate of payment you receive will be set at a level that should enable you to have an adequate standard of living. The Department would expect you to spend all or most of your pension each week in meeting your normal day-to-day living expenses. However, if you choose to save part of your pension, those savings will be means-tested in the same way as savings from any other source (for example, from earnings, from an occupational pension or from an inheritance). Depending on the amount of savings you accumulate from all sources, this could result in a reduction in (or withdrawal of) your State Pension (Non-Contributory). What does not count as means? The following are some of the main items that do not count as means: - your own home, - any payment made by the Department of Employment Affairs and Social Protection, - the first €200 of weekly earnings from insurable employment, but not self employment. A similar insurable earnings disregard from insurable employment, but not self employment of €200 a week will also apply to your spouse, civil partner or cohabitant, - any expenses you necessarily incur in carrying on any form of self-employment, - Foster Care Allowance from the Health Service Executive, - contributions to Personal Retirement Savings Account(s), - certain payments from the Health Service Executive and - income from certain charities. EU Early Retirement Scheme from Farming We also ignore any payments you receive from the Department of Agriculture and Food under the EU Early Retirement Scheme from Farming. However, that Department may reduce your pension under that scheme by the amount of State Pension (Non-Contributory) that you get. Rental Income If a person is living with you and pays you rent, we will not count the rent as means if you would otherwise live alone.
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Is slí í an tástáil acmhainne lena fháil amach an bhfuil do dhóthain acmhainne agat chun soláthar a dhéanamh duit féin agus lena shocrú 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 pháirtnéir sibhialta nó do chomhchónaitheoir é agus maoin (seachas do bhaile cónaithe féin) nó sócmhainn a d’fhéadfadh ioncam a chur ar fáil duit. Ní mór duit an fhoirm iarratais a líonadh go hiomlán ionas go bhféadfaimid 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. Ní mór duit na cáipéisí riachtanacha go léir mar ráitis bhainc, sonraí de do thuilleamh uile nó duillíní pá pinsin eile a chur le d’iarratas. Má chuireann tú foirm iarratais neamhiomlán isteach nó mura gcuireann tú na cáipéisí riachtanacha tacaíochta isteach, is féidir go gcuirfear moill ar an gcinneadh faoi d’iarratasnó is féidir gurb é an toradh a bheidh air ná d’iarratas ar phinsean a dhiúltú. Is féidir go seolfar d’éileamh ar phinsean chuig Cigire Leasa Shóisialaigh áitiúil i gcomhair imscrúdaithe agus agallaimh. Cad a áirítear mar d’acmhainn? Cuimsíonn d’acmhainn iad seo thíos, ach níl sí teoranta dóibh seo: - ioncam airgid thirim ar leat nó le do chéile, do pháirtnéir sibhialta nó do chomhchónaitheoir é, - luach cibé infheistíochtaí, coigilteas, cistí, bannaí agus scaireanna atá agat, - luach cibé maoine atá agat, seachas do bhaile cónaithe féin, - airgead cothabhála a íoctar leat má tá tú tréigthe nó idirscartha, - ioncam ó fhostaíocht nó ó fhéinfhostaíocht. Baineann neamhaird tuillimh €200 sa tseachtain ó fhostaíocht inárachaithe leat agus le do chéile, do pháirtnéir sibhialta nó do chomhchónaitheoir, i gcás inar cuí sin. Ní bhaineann an neamhaird seo le tuilleamh ó héinfhostaíocht, 4 áfach. Má tá tú pósta, i bpáirtnéireacht shibhialta nó ag comhchónaí le duine eile, cuirfimid acmhainn do chéile, do pháirtnéara shibhialta nó do chomhchónaitheora san áireamh ó thaobh na tástála acmhainne. Más úinéir talún feirme thú nó má tá talamh feirme ar léas agat, measúnóimid mar acmhainn luach bliantúil cibé ioncaim a haigheann tú nó do chéile, do pháirtnéir sibhialta nó do chomhchónaitheoir uaidh sin. Áireoimid an luach bliantúil trí na costais 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, cuirfimid an t-ioncam nó an mhaoin sin san áireamh ó thaobh na tástála acmhainne. B’fhéidir nach mbeadh feidhm aige seo i gcás ocraíochtaí teaghlaigh áirithe lena ngabhfadh aistriú úinéireachta feirme nó gnólachta. Tabhair faoi deara Má tá tú pósta, i bpáirtnéireacht shibhialta nó ag comhchónaí le duine eile, ríomhfar d’acmhainn mar leath na comhacmhainne atá agat féin agus ag do chéile, do pháirtnéir sibhialta nó do chomhchónaitheoir. Conas a mheasúnaítear caipiteal? Is é atá i gceist le caipiteal ná coigilteas, infheistíochtaí, scaireanna, cistí, bannaí, airgead ar láimh agus luach maoine (seachas do bhaile cónaithe féin). Agus d’acmhainn ó chaipiteal á háireamh, bainimid feidhm as foirmle ar leith chun áireamh a dhéanamh ar d’acmhainn: Baintear feidhm as an bhfoirmle seo: 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 €182. (Ráta 2016) 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 ar fad, nó an chuid is mó de, gach seachtain chun íoc as do ghnáthchostais laethúla mhaireachtála. Má dhéanann tú an rogha, 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). Cad nach n-áirítear mar acmhainn? Is iad seo a leanas cuid de na príomhrudaí 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 mhacasamhail de tharscaoileadh tuillimh €200 sa tseachtain ó fhostaíocht, ach ní ó fhéinfhostaíocht, i bhfeidhm 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 charthanachtaí áirithe. Scéim Luathscoir an Aontais Eorpaigh ón bhFeirmeoireacht Tugaimid neamhaird freisin ar aon íocaíocht 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, ní áireoimid an cíos mar acmhainn dá mba rud é go mbeifeá i do chónaí leat féin murach sin.