Your Pension Rights Shouldn't Be a Mystery
After decades of working in Ireland, Margaret discovered she'd been underpaid on her pension for three years. The Department had incomplete records of her employment history from the 1980s.
Stories like Margaret's happen more often than you'd think. Employment records get lost. Employers close down. Systems change. And when it comes time to claim your pension, gaps in your work history can cost you thousands of euros per year.
Why Your Work History Matters More Than Ever
The State Pension in Ireland isn't automatic. It's calculated based on your PRSI contributions throughout your working life. Each missing year or incorrectly recorded period can reduce your weekly payment.
Since 2012, the calculation method changed. Now you need an average of at least 48 contributions per year from 1979 onwards to qualify for the full rate. Even one unrecorded job from decades ago could be the difference between €266 and €154 per week.
That's a difference of €5,824 every single year of your retirement.
What Most People Don't Know About Their Records
The Department of Social Protection holds records going back decades, but they're not always complete. Here's what we've learned from helping over 2,400 people review their work history:
- 37% had at least one employment period missing from their official record
- Employment gaps from before 1990 are most commonly affected
- Jobs held with companies that no longer exist are often harder to verify
- Periods of self-employment frequently show incomplete contribution records
- Time spent working abroad can be credited, but many people don't know how
The good news? Almost all of these issues can be resolved with the right documentation and process knowledge.
Find out what's in your recordHow We Help You Secure What You've Earned
Most pension advisory services focus on investments and savings. We focus on something more fundamental: making sure you're credited for every year you've worked.
Our process starts with obtaining your complete PRSI record from the Department. Then we cross-reference it against your employment history, identify any gaps or inconsistencies, and guide you through the verification process.
Record Retrieval
We request your full contribution statement and analyze it for completeness.
Gap Analysis
We identify missing periods and assess their impact on your pension calculation.
Documentation Support
We help you gather the evidence needed to fill those gaps, whether it's old payslips, P60s, or statutory declarations.
Application Assistance
We guide you through submitting corrections and, when you're ready, applying for your pension.
"I thought I'd only qualify for a reduced pension because of time I spent working in the UK in my twenties. Pension Pathway showed me how to claim those contributions under the bilateral agreement. I'm now getting the full rate. The fee paid for itself in the first month."
— James O'Sullivan, Cork
Services Tailored to Your Situation
Whether you're years away from retirement or already claiming, we offer targeted support for every stage.
PRSI Record Review
We obtain and analyze your complete contribution history, identifying gaps and errors that could affect your pension entitlement. Perfect for those within 5 years of retirement age.
€147.50
Work History Reconstruction
Comprehensive service for people with complex employment histories. We help document missing employment periods, including work abroad, self-employment, and jobs with defunct companies.
€283.00
Pension Application Support
Complete guidance through the State Pension application process. We ensure your application is accurate, complete, and submitted with all necessary supporting documentation.
€195.75
Appeals and Corrections
Already received a decision you believe is incorrect? We assist with appeals and correction requests, including preparing supporting statements and documentation.
€324.50
EU Contributions Consolidation
Specialized service for those who worked in other EU countries. We coordinate with foreign pension authorities to ensure all your European contributions count toward your Irish pension.
€412.25
Full Pension Pathway Package
Our most comprehensive offering. Complete record review, gap resolution, documentation support, application assistance, and 12 months of post-application support. Ideal for complex cases.
€847.00
Why Check Your Record Now, Not Later
The further you are from retirement, the easier it is to resolve issues. Documents are easier to find. Former employers may still have records. And you have time to make voluntary contributions if needed.
People who wait until they're already 66 often discover problems when it's too late to fully correct them. Start the verification process early, and you'll have peace of mind that your pension will be what you expect.
Start your review today"I wish I'd known about this service years ago. We found three years of contributions that weren't on my record. If I'd waited until I retired to discover this, I might never have been able to prove those years."
— Siobhan McCarthy, Galway
Get Started With Your Record Review
Select a service above and complete this form. We'll contact you within two business days to schedule your initial consultation.
Your Information Is Protected
We handle sensitive personal and employment information daily. All data is processed in accordance with GDPR requirements, stored securely, and never shared with third parties without your explicit consent.
Our consultants are experienced in navigating the Department of Social Protection's systems and understand the documentation requirements for various claim scenarios.