See 'Credited Contributions" guideline for more general information.A person must have started paying social insurance employment contributions at full or modified rate before a certain date, depending on date of birth, as follows: Insurance prior to 1953 - National Health Insurance contributions paid prior to 1953 are reckonable in order to satisfy the condition of entry into social insurance before a specified date for standard State Pension (Contributory). Persons who commenced paying high rate voluntary contributions on or before 6 April 1997 will need only 156 full-rate employment contributions paid if the yearly average is 20 or more.A reduced rate pension is payable where a person has a yearly average of between 10 and 47.(See rates structure below) * See also 'Special State Pension (Contributory) for persons with social insurance contributions paid prior to 1953' below The alternative contribution test Maximum rate pension is also payable where a person has an "alternative yearly average" of at least 48.State Pension (Contributory) is a social insurance based payment made to people at age 66. A person can receive payment of State Pension (Contributory) and continue to work or have other income such as an occupational pension.State Pension (Contributory) was known as Old Age Contributory Pension up to 28 September 2006.See 'International Services' guideline for more general information.The rate of pension, where insurance contributions in another country are being combined with Irish contributions, is calculated as follows: Step 1: The notional pension is calculated.
Up to a maximum of 20 years may be disregarded in this way.Class S PRSI is paid by self employed people and provides cover for State Pension (Contributory).Certain conditions apply as follows: Credited contributions are awarded in certain circumstances by the Department, generally in respect of periods of unemployment or incapacity for work due to illness.The main provisions relating to State Pension (Contributory) are contained in For State Pension (Contributory) purposes, social insurance contributions can be divided into two categories - full-rate and modified rate.Full-rate contributions are reckonable for State Pension (Contributory).in certain countries, residence alone provides cover for social insurance Countries covered by EC regulations: Austria, Belgium, Bulgaria, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Norway, Portugal, Romania, Spain, Sweden, the Netherlands, the United Kingdom (excluding the Channel Islands and the Isle of Man) Countries with which Ireland has a Bilateral Social Security Agreement: Australia, Canada, New Zealand, The United States of America, Quebec, Republic of Korea and Switzerland Ireland has reciprocal agreements with a number of countries.However in most cases these countries are now covered by agreements under EU regulations or Bilateral Agreements.Insurance prior to 1953 - National Health Insurance contributions paid prior to 1953 are reckonable in order to satisfy the condition of having a certain number of contributions paid.Every 2 such contributions are counted as 3, and any odd contribution is counted as 2.Bilateral Agreement pensions are governed by formal agreements with the relevant countries which are contained in statutory instruments.Qualifying Conditions The qualifying conditions are as previously outlined, but with some modification: To qualify for this pension General A person should normally make a claim to pension in the country of residence.