Home » An Overview Of Old Age Pension in Ireland – What You Need To Know

An Overview Of Old Age Pension in Ireland – What You Need To Know

by Uneeb Khan

As you approach retirement age in Ireland, you may be wondering about your pension options and what the Irish government has to offer. This article will provide an overview of the various old age pension schemes available, including how much you can receive from each one and any other important details. Read on to find out more about how to maximize your pension benefits in Ireland!

Introduction to Old Age Pension in Ireland

Old Age Pension Ireland is a government-provided financial support for people aged 66 and over in Ireland. It is also known as the State Pension. The amount of pension you get depends on your PRSI (Pay Related Social Insurance) contributions. You need at least 10 years of PRSI contributions to qualify for any pension, and 39 years to get the full amount.

If you have less than 10 years of PRSI contributions, you may still be eligible for a partial pension. If you have worked in another country that has a social security agreement with Ireland, your time spent working there may also count towards your PRSI contribution total.

The Old Age Pension is not means-tested, so it is not affected by your other sources of income. However, if you go into residential care, the cost of your care will be deducted from your pension.

You can apply for the Old Age Pension online, by post or in person at your local social welfare office. You will need to provide proof of identity, proof of address and proof of PPS number. If you are claiming the pension for the first time, you will also need to provide evidence of your age and PRSI contribution record.

What You Need To Know About Eligibility

If you’re of retirement age and thinking about applying for an Old Age Pension in Ireland, there are a few things you need to know about eligibility.

To be eligible for an Old Age Pension, you must:

Be aged 66 or over

Have been resident in Ireland for at least 10 years (at any stage in your life)

Have been habitually resident in the State for at least 1 year immediately before claiming the pension

Not have been absent from the State for more than 6 months in total in the year immediately before claiming the pension, unless you were receiving a social welfare payment while you were away

Not have been convicted of certain serious offences and sentenced to imprisonment for 5 years or more

 If you meet all of the above criteria, you should then contact your local social welfare office to make a claim. You will need to fill out a form and provide proof of your identity, residency and age.

How to Apply for Old Age Pension in Ireland

If you’re over 66 years of age and resident in Ireland, you may be entitled to a State pension (contributory or non-contributory).

The contributory pension is based on PRSI contributions paid while working. You need at least 10 years’ full-rate or 20 years’ reduced-rate PRSI contributions to qualify.

The non-contributory pension is means tested.

To apply for either pension, you can:

• download an application form from www.welfare.ie/en/Pages/State-Pension-(Contributory)-Forms.aspx or pick one up from your local Intreo Centre or Social Welfare Branch office; or

• phone the Department’s Contact Centre on 1890 500 000 (Monday to Friday, 8am to 5pm) and they will post an application form out to you; or 

• apply online at www.mysocialwelfare.ie if you have a PPS Number and access to the internet – this is the quickest way to apply.

When applying, you will need to provide evidence of your identity, so make sure you have your PPS number with you when applying online or calling the Contact Centre – they will not be able to progress your application without it. If posting in your application form, include copies of documentation such as your birth certificate, marriage certificate (if relevant) and any previous pensions awarded in Ireland or abroad that may affect your

Financial Support Available For Pensioners

There are a number of financial supports available for pensioners in Ireland. The main one is the State Pension, which is paid to people who have reached retirement age and have sufficient social insurance contributions.

There are also a number of supplementary pensions paid by the government, as well as private pension schemes.

Pensioners may also be eligible for a range of other benefits, such as free travel, medical card and discounts on utility bills.

Benefits of Receiving the Old Age Pension

There are many benefits to receiving the Old Age Pension in Ireland. The most obvious benefit is that it provides a financial safety net for seniors who may not have the means to support themselves financially. Additionally, the Old Age Pension can help cover the cost of essential medical expenses and housing costs. It can also provide seniors with access to social and recreational activities.

Tips for Maximizing Your Pension Benefits

1. Review your pension statement regularly to ensure that the amounts being paid into your pension and the amount you will receive at retirement are accurate.

2. Make sure you are contributing enough to your pension to maximize your benefits. The earlier you start saving, the more time your money has to grow.

3. Consider using a pension calculator to estimate how much income you will need in retirement and how much you should be contributing to your pension to reach that goal.

4. Stay informed about changes to Ireland’s pension laws and regulations so that you can make the most of your benefits.


Old Age Pension Ireland is an important part of the country’s social welfare system, helping to support people in their retirement. Knowing what you’re entitled to and how to apply for it can make a big difference as you plan your future. From understanding the eligibility criteria and calculating your entitlements to finding out where best to get advice, this article has provided an overview of all that you need to know about Old Age Pension in Ireland. We hope that this information will help ensure a better financial future for those who are eligible for pension benefits.

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