The Irish State Pension (Contributory) provides a foundation of retirement income for those who qualify, but it is tied entirely to your PRSI contribution record. Many people are surprised to discover that gaps in their record — from time abroad, career breaks, or self-employment — mean they will not receive the full amount. And even at the maximum rate, the State Pension alone is not sufficient for most people to maintain their pre-retirement lifestyle. PPFS will help you understand your entitlement, identify any contribution gaps while there is still time to address them, and build a plan that supplements the State Pension appropriately.
“Do you know how many PRSI contributions you have on record — and whether you are currently on track for the full State Pension?”
