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Eligibility

Your eligibility to join a pension scheme or take out a personal retirement savings account (PRSA) or a retirement annuity contract (RAC) depends on your work situation and the rules of any particular scheme or pension contract.

If you may be eligible to join an occupational pension scheme and haven’t been provided with any information, you should ask your employer if there is a pension scheme, what sort of scheme it is, and whether you can join.

A PRSA can be taken out by virtually anyone, even if you don’t currently have relevant earnings.

Alternatively, you could take out an RAC if you have earnings from non-pensionable employment or self-employment.