{"id":481535,"date":"2026-02-15T12:02:08","date_gmt":"2026-02-15T12:02:08","guid":{"rendered":"https:\/\/www.newsbeep.com\/au\/481535\/"},"modified":"2026-02-15T12:02:08","modified_gmt":"2026-02-15T12:02:08","slug":"tracking-down-missing-prsi-contributions-that-should-boost-my-state-pension-the-irish-times","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/au\/481535\/","title":{"rendered":"Tracking down missing PRSI contributions that should boost my state pension \u2013 The Irish Times"},"content":{"rendered":"<p class=\"c-paragraph paywall \">I returned from London in 1990 to work with a company in the property sector which had been set up shortly before my return. However, the business went into liquidation in April 1991. <\/p>\n<p class=\"c-paragraph paywall \">In my time with them, the company had deducted <a href=\"https:\/\/www.irishtimes.com\/tags\/prsi\/\" target=\"_self\" rel=\"nofollow noopener\" title=\"https:\/\/www.irishtimes.com\/tags\/prsi\/\">PRSI<\/a> from my salary. <\/p>\n<p class=\"c-paragraph paywall \">However, in checking my contributions there is nothing for the years 1990 to 1992 on my social welfare. I do recall receiving an amount from the Workplace Relations Commission (WRC), which was based in Adelaide Street.<\/p>\n<p class=\"c-paragraph paywall \">If I can recover these contributions it will put me in a slightly higher bracket. I have been told anecdotally that were I to get a sworn affidavit from old work colleagues it may help. Is that so? What else can I do to make my case?<\/p>\n<p class=\"c-paragraph paywall \">PL <\/p>\n<p class=\"c-paragraph paywall \">Pay-Related Social Insurance (PRSI), like income tax, is something that most of us just assume is working as it should do \u2013 until it isn\u2019t. Deducted at source, it is critical in establishing a record that helps us qualify for a State <a href=\"https:\/\/www.irishtimes.com\/tags\/pension\" target=\"_self\" rel=\"nofollow noopener\" title=\"https:\/\/www.irishtimes.com\/tags\/pension\">pension<\/a> but also for a raft of other benefits from the State that workers might require in times of crisis.<\/p>\n<p class=\"c-paragraph paywall \">But the only way to confirm exactly what PRSI credits you have built up over your working life is to apply to the <a href=\"https:\/\/www.irishtimes.com\/tags\/department-of-social-protection\/\" target=\"_self\" rel=\"nofollow noopener\" title=\"https:\/\/www.irishtimes.com\/tags\/department-of-social-protection\/\">Department of Social Protection\u2019s<\/a> records section. They will send anyone a copy of their record. <\/p>\n<p class=\"c-paragraph paywall \">The easiest way to get in touch is via email at <a href=\"https:\/\/www.irishtimes.com\/your-money\/2026\/02\/15\/tracking-down-missing-prsi-contributions-that-should-boost-my-state-pension\/mailto:contributionstatement@welfare.ie\" rel=\"nofollow noopener\" target=\"_blank\">contributionstatement@welfare.ie<\/a> but if you prefer you can write to them at: Records Section, Department of Social Protection, McCarters Road, Buncrana, Co Donegal.<\/p>\n<p class=\"c-paragraph paywall \">In your case, this is old news as you have already secured a copy of your record \u2013 and noticed that nothing is credited to your record for the period when you were employed by this company \u2013 but it might help others.<\/p>\n<p class=\"c-paragraph paywall \">Apart from producing copies of your PRSI record, this is also the office that follows up reports of missing contributions.<\/p>\n<p class=\"c-paragraph paywall \">They check their own department files and those of Revenue covering both you and the employer. It\u2019s rare but mistakes do happen especially in a business that sounds like it was somewhat chaotic at the time.<\/p>\n<p class=\"c-paragraph paywall \">If that does not resolve things then that office may, at its discretion, appoint a social welfare inspector to investigate the case further.<\/p>\n<p class=\"c-paragraph paywall \">What can they do? Well, in cases like yours if they cannot find documentary evidence that you were employed, when and in what capacity, they will likely interview you and then send a recommendation to the department.<\/p>\n<p class=\"c-paragraph paywall \">What that recommendation is will largely be based on how reliable the inspector considers your recollection of your time with the company.<\/p>\n<p class=\"c-paragraph paywall \">This is where a statement from former colleagues could come in useful. The Department of Social Protection tells me these statements do not need to be sworn affidavits though they should be in writing.<\/p>\n<p class=\"c-paragraph b-it-article-body__interstitial-link\">[\u00a0<a aria-label=\"Open related story\" class=\"c-link\" href=\"www.irishtimes.com\/your-money\/2025\/12\/14\/paying-voluntary-prsi-to-get-closer-to-a-full-state-pension\/\">Paying voluntary PRSI contributions to get closer to full State pension<\/a>\u00a0]<\/p>\n<p class=\"c-paragraph paywall \">Certainly a statement from a former colleague confirming you worked with them in the business and any details they can provide around that would be helpful and would be taken into account in any recommendation the inspector eventually makes.<\/p>\n<p class=\"c-paragraph paywall \">It might even enlighten the department on gaps in the company\u2019s paperwork and filings on matters such as PRSI.<\/p>\n<p class=\"c-paragraph paywall \">I have anonymised the business concerned, which certainly does not seem to have been a very successful endeavour. Established in 1998 by a group of professionals, it was in trouble by 1991 and in liquidation from early 1993. I doubt it appears on the CVs of the individuals who were involved with it at that time.<\/p>\n<p class=\"c-paragraph paywall \">Your problem here is that we are talking about a business that shut almost 33 years ago. One has to assume that most of the principals of the business are long retired, if they are even alive.<\/p>\n<p class=\"c-paragraph paywall \">You mention a hearing a ruling from the WRC, which saw you receive a payment, but I cannot conceive of any situation where the WRC would order a payment in lieu of social insurance contributions. <\/p>\n<p class=\"c-paragraph paywall \">The online records of that institution go back only to 1996, so I cannot track down your case there.<\/p>\n<p class=\"c-paragraph paywall \">However, alongside the possibility of having former colleagues corroborate your recollection, it does appear that the liquidator of the business is still working, although the company he was with at the time has been subsumed several times in successive consolidations of the sector. It may be he still has files that could be of use to you or to an inspector from the Department of Social Protection.<\/p>\n<p class=\"c-paragraph paywall \">Either way, I expect the inspector would certainly be interested in contacted him to seek further clarity, not least on the company\u2019s paperwork.<\/p>\n<p class=\"c-paragraph paywall \">Given we are talking about a business that folded so long ago, I think you are rather fortunate to have former colleagues and a liquidator around to try to unravel what happened your 15 months of PRSI contributions from that time \u2013 not least as you say it will make a difference to the amount of State pension you will receive.<\/p>\n<p class=\"c-paragraph paywall \">You are certainly in a better position than other similar cases I have come across where no records can be traced and no one connected with the business is still living.<\/p>\n<p class=\"c-paragraph paywall \">At this point, you need to get back on to the records office of the Department of Social Protection to challenge the record they have made available to you and to advise them of the people available who might be able to corroborate your position and to request the appointment of an inspector.<\/p>\n<p class=\"c-paragraph paywall \">Hopefully, the evidence available will help persuade them that the appointment is justified even if the sums involved are not huge.<\/p>\n<p class=\"c-paragraph paywall \">Please send your queries to Dominic Coyle, Q&amp;A, The Irish Times, 24-28 Tara Street, Dublin 2, or by email to <a href=\"https:\/\/www.irishtimes.com\/your-money\/2026\/02\/15\/tracking-down-missing-prsi-contributions-that-should-boost-my-state-pension\/mailto:dominic.coyle@irishtimes.com\" rel=\"nofollow noopener\" target=\"_blank\">dominic.coyle@irishtimes.com<\/a> with a contact phone number. This column is a reader service and is not intended to replace professional advice<\/p>\n","protected":false},"excerpt":{"rendered":"I returned from London in 1990 to work with a company in the property sector which had been&hellip;\n","protected":false},"author":2,"featured_media":14454,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[64,63,99,151769,186,1794,184,185,29297,4961,6624],"class_list":{"0":"post-481535","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-au","9":"tag-australia","10":"tag-business","11":"tag-department-of-social-protection","12":"tag-finance","13":"tag-pension","14":"tag-personal-finance","15":"tag-personalfinance","16":"tag-prsi","17":"tag-tax","18":"tag-work"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/481535","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/comments?post=481535"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/481535\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media\/14454"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media?parent=481535"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/categories?post=481535"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/tags?post=481535"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}