Heather Humphreys (Cavan-Monaghan, Fine Gael)
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Under current eligibility conditions, applicants must have a minimum of 520 full-rate paid contributions in order to qualify for standard State pension (contributory). This equates to 10 years of full-rate insurable employment over a person’s working life. It should be noted that having a minimum of 520 full-rate contributions does not automatically entitle an applicant to the maximum rate of State pension (contributory). It is the qualifying threshold that must be satisfied so that an applicant’s pension entitlement can be calculated, based on their individual circumstances.

For those who do not qualify for State pension (contributory), or who qualify for a reduced rate of pension, the State pension (non-contributory) is an alternative means-tested, residency-based payment for persons of pension age. The applicant is assessed with half of the assessable means of the couple. The maximum rate payable equates to 95% of the maximum rate of State pension (contributory).

According to the records of my Department, the person concerned has not yet applied for either State pension. I have arranged for the necessary application forms to be sent to them. On receipt of an application, a decision can be made on their entitlement and the person concerned will be notified in writing of the outcome.

The person concerned is currently in receipt of an increase for a qualified adult (IQA) payment on their spouse’s State pension (contributory), at the maximum rate payable in respect of a qualified adult over 66 with nil assessable means. This rate of IQA equates to approximately 90% of the maximum rate of State pension (contributory).

I hope this clarifies the position for the Deputy.