State Pension (Contributory) is a weekly payment based on your social insurance contribution record. It is available from age 66.
You should apply for State Pension (Contributory) if you have ever worked in Ireland and paid any social insurance contributions.
There are different rates of payment depending on your contribution record and other circumstances. It is not a means tested payment so your payment will not be impacted by any additional income you may have.
State Pension (Contributory) is subject to tax, but you are unlikely to pay tax if it is your only income.
If you have worked or lived in other countries, such as the UK, you might still qualify for State Pension (Contributory), even if you do not qualify based on contributions paid in Ireland.
Long-Term Carers Contributions, can also be used to re-assess entitlement to, or rate of, State Pension (Contributory) if you were 66 prior to 2024. Any arising entitlement, or increase in rate that results, will be backdated to 1st January 2024.
you can choose a date between age 66 and 70 to access any State Pension (Contributory) entitlement you may have. A higher rate of State Pension (Contributory) is payable to those accessing State Pension (Contributory) between ages 67 and 70. Click here for more information
You will not be liable to pay PRSI once you are in receipt of State Pension (Contributory) (for those who access State Pension (Contributory) before age 70).
If you are accessing State Pension (Contributory) in 2025 and later, there will be a change in how the rate of State Pension (Contributory) is calculated.
This is in line with the 10-year phased removal of the yearly average calculation method, so that all pensions will be calculated using only the Total Contributions Approach (TCA) by 2034.
In general you will qualify for State Pension (Contributory) if you:
If you do not meet these criteria, you may also be eligible for State Pension (Contributory) if you have:
If you paid Class A social insurance (PRSI) contributions, these are counted as full-rate contributions for State Pension (Contributory) purposes.
Class A contributions were called Ordinary contributions before 1979.
The self-employed pay PRSI contributions at a Class S rate and these contributions are full-rate contributions for State Pension (Contributory) purposes. Social insurance (PRSI) contributions for self-employed people were introduced on 6 April 1988.
State Pension (Contributory) will only be paid from the date on which all self-employment contributions have been paid in full (apart from the last full contribution year before your drawdown date).
Any period in which you are registered as providing care to an incapacitated person can be included in your social insurance (PRSI) record. These Long-Term Carers Contributions can be used in your State Pension (Contributory) assessment once you have reached a minimum of 1040 weeks (20 years). They are considered full-rate contributions for State Pension (Contributory) purposes.
If you qualified for State Pension (Contributory) prior to 2024 and you have been awarded Long-Term Carers Contributions, any impact on your rate of, or entitlement to, State Pension (Contributory), will be effective from 1st January 2024.
If you have worked or lived in other countries, such as the UK, you might still qualify for State Pension (Contributory), even if you do not qualify based on contributions paid in Ireland.
You may get a proportion of a full pension (a pro rata pension) if you paid social insurance contributions in another country.
The country that you worked in must:
If you live or plan to live outside the State, the department can pay your pension into an Irish account or into an account in the country you choose to live in.
Your payment is made up of a personal rate plus any increase or allowances which you may be due.
Once you meet the qualification criteria, the rate of payment you get depends on the number of social insurance (PRSI) contributions you have made.
Having at least 2080 full rate contributions will result in the maximum rate of State Pension (Contributory) being awarded.
| Max rate of SPC | Personal Weekly Rate | Increase for Qualified Adult Aged under 66 | Increase for Qualified Adult Aged 66 or over |
| €277.30 | €184.70 | €248.60 |
If you have less than 2080 full rate contributions, reduced rates may apply. However, in deciding on the rate of payment, consideration will also be given to time you spent out of work due to:
When you submit your State Pension (Contributory) application form, the department will assess your entitlement using all available calculation methods to ensure you are paid the highest rate possible.
Increases or allowances which may be due to you are:
To help estimate the rate of State Pension (Contributory) you may receive, you can request a copy of your Contribution Statement on MyWelfare.ie.
Your Contribution Statement is a summary of your social insurance (PRSI) record contributions in Ireland.
To access services on MyWelfare.ie, you will need a verified MyGovID account.
If you were born on or after 1 January 1958, you can choose the date you which to access any State Pension (Contributory) entitlement you may have, to be a date between the age of 66 and 70.
There are no changes to the minimum qualification criteria for State Pension (Contributory), but by choosing to apply later than age 66, you can improve your social insurance record with additional full rate contributions to:
In addition, if you access State Pension (Contributory) after age 66, your rate of payment will be calculated using an actuarially increased rate of payment, depending on your age when you access State Pension (Contributory).
You do not have to notify the department that you are claiming at a later date.
When you make your application, you will let us know the date you want to start receiving State Pension (Contributory). Your entitlement starts on your chosen claim date. If your chosen claim date is in the past, the date entered should be no more than 6 months before we receive your application form. No payment will be made for periods before this. The department will use your social insurance (PRSI) record up to your chosen claim date to decide on your entitlement to State Pension (Contributory), and to determine the rate to be awarded.
We recommend you apply for State Pension (Contributory) six months before you wish to start claiming your pension.
To apply, print and complete the application form at the bottom of this page (SPC1).
You can also get this form from your local:
Please send your completed form and supporting documentation to: