1. From age 66, check your State Pension options and request your PRSI Contribution Statement

State Pension (Contributory) is available from age 66. People born on or after 1 January 1958 can choose a claim start date between ages 66 and 70.

Official source: www.gov.ie

2. Review occupational, personal and overseas pensions before choosing a retirement date

Official source: pensionsauthority.ie

3. Compare State Pension (Contributory) and means-tested State Pension (Non-contributory)

State Pension (Contributory) depends on the PRSI record and is not means tested. State Pension (Non-contributory) is means tested and has residence conditions. If you qualify for both, DSP awards the higher payment.

Official source: www.gov.ie

4. Apply for State Pension no more than 6 months before your chosen start date

For State Pension (Contributory), the 2026 maximum personal weekly rate at age 66 is €299.30. If born on or after 1 January 1958, deferring to a date between 67 and 70 may produce an actuarially increased rate, subject to your contribution record.

Official source: www.gov.ie

5. Notify your employer and check pension tax, healthcare and secondary benefits

Official source: www.revenue.ie