Retirement Options for ASTI Members

Teachers may retire at any age, however pension benefit is only payable under certain conditions and age restrictions as set out below. ASTI Head Office officials will offer advice and information to teachers on retirement options and information is also available from the Department of Education and Science.

1.  Compulsory Retirement

Compulsory retirement age for teachers who commenced teaching before 1st April, 2004 and whose service is not interrupted for a period greater than 26 weeks is 70 years of age, i.e. teachers must retire no later than the end of the school year in which they reach their 70th birthday. The mandatory retirement age was extended by the enactment of the Public Service Superannuation (Age of Retirement) Act 2018 on the 26th December 2018. Teachers who were previously required to retire at the end of the school year in which they reached 65 years of age may now continue in employment on an uninterrupted basis. The following FAQs provide further information on this change: https://assets.gov.ie/7409/f350799695c945979c672120f9dea552.pdf

There is no compulsory retirement age for teachers who came into the system after 1st April, 2004 and before 1st January 2013. Such teachers may remain in employment so long as they remain fit to do so. The mandatory retirement age has been reintroduced for post-1st January 2013 teachers who are members of the Single Public Service Scheme. Such teachers must retire by the age on which they become eligible for the State Contributory Pension. This means that if you were born between 1st January 1949 and 31st December 1954 inclusive, the minimum qualifying State Pension age is 66. If you were born between 1st January 1955 and 31st December 1960 inclusive, the minimum qualifying State pension age will be 67, and If you were born on or after 1st of January 1961 the minimum qualifying State pension age will be 68.

2.  Retirement on Grounds of Ill Health

A disability pension is payable to a teacher who is a member of the superannuation scheme who retires (with not less than five years pensionable service) where the Minister is satisfied that due to infirmity the teacher is not capable of performing his / her duties and the infirmity is likely to be permanent. The continued payment of a disability pension to a teacher who is under the age of 50 is however subject to a review from time to time. In calculating the pension and lump sum,  the actual pensionable service of a teacher retiring on disability pension may be increased by an amount of added service which will not normally exceed 62/3 years. Full details on this are included in the ASTI leaflet "Sick Leave, Disability Pension, Salary Protection".

3.  Optional Retirement at Age 60

A teacher who is a member of the superannuation scheme and who commenced before 1st April, 2004, may opt to retire on pension at age 60 or at any time thereafter. Such a teacher would receive a pension based on the number of years he / she was a member of the superannuation scheme, e.g. a teacher aged 60 on a salary of €60,000 who was a member of the superannuation scheme for 38 years would get a pension of 38 eightieths of salary, i.e. €28,500 and a tax free lump sum of €85,500.  The minimum retirement age on "full" pension for teachers who came into the system on or after 1st April, 2004 is 65.

4.  Optional Retirement at Age 55

A teacher who has reached the age of 55 and has 35* years pensionable service may apply to retire on pension.

* Note:  In calculating the 35 years, a teacher with a pre-service training period of three years is credited with one year for the purpose of calculating the required 35 years and a teacher with 4 years or more of pre-service training is credited with two years for the purpose of calculating the required 35 years, e.g. a teacher aged 55 with a three year degree and a 1 year H.Dip Ed can retire with a pension of 33/80 of salary having completed 33 years of actual pensionable service. (A lump sum of 99/80th of salary would also be paid on retirement in the case of this teacher.)

5.  Cost Neutral Retirement Option 

In April 2005 the Department issued circular 10/2005, which allows teachers to retire with pension at age 50 (if in service before 1st April, 2004) or at age 55 (if they enter service on or after April 1st, 2004).  This option is defined by the Department as "Cost Neutral", i.e. a penalty / adjustment is applied to the pension and lump sum which is based on the age of the retiring teacher. 

For more information

More detailed information is available in the Frequently Asked Questions section.

Help and advice on calculating your pension is available from ASTI Head Office (01-6040160). 

Please have the following information to hand before you call:

  • Your current gross and net salary;
  • Number of years of service;
  • The type of retirement you are interested in.