Your service history matters
Benefits can vary materially by entry date, scheme, PRSI class, service length, working hours and retirement date. A short online questionnaire cannot provide a definitive entitlement.
- Request a current benefit statement and complete service record.
- Include part-time work, career breaks and transferred service.
- Check scheme-specific retirement ages and early-retirement adjustments.
- Review AVCs with your main scheme benefits and personal relief limits. See the AVC guide.
Teachers
Service records, AVCs and retirement timing.
Explore the guideHSE and nurses
Shift patterns, service history and early-retirement questions.
Explore the guideDoctors and consultants
Public-service benefits alongside private-practice pensions.
Explore the guideCivil service
Single Scheme and pre-existing scheme questions.
Explore the guideGarda and uniformed services
Service-specific retirement rules and AVC questions.
Explore the guideExplore pensions by profession →
Last reviewed: 21 September 2026. Rules depend on your circumstances.
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