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Pension Reduction & Restoration – A Summary

Public Service Pension Reduction

Under the Financial Emergencies Measures in the Public Interest Act 2015 (FEMPI 2015), the Public Service Pension Reduction is being ameliorated providing for a total reduction of €1,680 in three phases for retired officers: 01 January 2016 – €400; 01 January 2017 – €500; and 01 January 2018 – €780.  The final adjustment under FEMPI 2015 will be reflected in the January 2018 payslips.

Public Service Stability Agreement 2018 – 2020

The Public Service Stability Agreement was approved by Government and ratified by the Public Service Committee of the Irish Congress of Trade Unions. Paragraph 6.2 of the agreement prescribes that future policy on public service pensions in payment for the duration of the agreement will be guided by:

  • The need to adopt an equitable approach to the various public service pensioner cohorts who are now not only differentiated by amount of pension in payment (determined by grade and service) as heretofore but also by date of retirement (in particular pre and post end-February 2012).
  • Accordingly, for those who retired or will retire post end-February 2012, to the extent that they retired on reduced salaries, they will receive pension increases in line with the pay increases due to their peers currently in employment under the terms of this Agreement.
  • When alignment is achieved between pre and post end-February 2012 pensioners, as will happen progressively for salary pay ranges up to €70,000 by 2020 under this Agreement, pay increases will continue to benefit pensions in payment for the duration of this Agreement.


Public Service Pay and Pensions Bill 2017


On 09 November, the Minister for Finance and Public Expenditure and Reform, Paschal Donohoe, T.D.  secured Government approval for the publication of the Public Service Pay and Pensions Bill 2017.  

The Public Service Pay and Pensions Act 2017, (Number 34 of 2017), was enacted on 16 December.   The Act provides legal basis for the provisions of the Public Service Stability Agreement 2018 – 2020, which was approved by Government in June, and was ratified by the Public Services Committee of the Irish Congress of Trade Unions in September.

Pension Restoration

Regarding pensions, part three of the Public Service Pay and Pensions Act 2017 provides for a further substantial lessening of the impact of the Public Service Pension Reduction (PSPR) on public service pensions in 2019 and 2020, with a provision to provide for the elimination of the remaining impact of the measure by Statutory Order to be made by 31 December 2020.

The Act provides for the lessening of the PSPR for both pre- and post-March 2012 retirees.

From 01 January 2019, retired officers in receipt of pensions up to €39,000 will be exempt PSPR, and from 01 January 2020 the figure increases to €54,000.

Officers who retired on or before 29 February 2012 had their pension calculated by reference to their ‘pre-cut’ salary. Officers who retired after that date had their pension calculated on their (lower) salary at January 2010.  Because of the difference in salary, different rates of PSPR were applied to these cohorts.

For the pre-2012 cohort, the following table applies:

Annualised Pension (2019) Annualised Pension (2020) Reduction
Up to €39,000 Up to €54,000 Exempt
€39,000 – €60,000 €54,000 – €60,000 12 per cent
€60,000 – €100,000 €60,000 – €100,000 17 per cent
Over €100,000 Over €100,000 28 per cent


For the post-2012 cohort, the following table applies:

Annualised Pension Reduction (2019)  Reduction (2020)
Up to €60,000 Exempt  Exempt
€60,000 – €100,000 3 per cent  1 per cent
Over €100,000 8 per cent  6 per cent


Consistent with PSPR application to date, the band-specific percentage reduction rates above apply to the relevant slices of an affected pension; they do not apply to the entire pension.

The Minister for Public Expenditure and Reform is required to make a Statutory Order by 31 December 2020, which provides for a date by which any remaining PSPR impact will cease to apply.

Pay Increases

Pay increases since 2016 to end-2020 will be passed along to pensioners whose pensions were based on lower salary levels than are paid to pensioners who retire after each increase.

For post-March 2012 retirees, all pay increases since 2016 will be passed along.

For pre-March 2012 retirees, pensions based on (pre-cut) salaries of over €70,000 will not receive any parity increases.  For this cohort on (pre-cut) salaries of less than €70,000, pensioners will benefit where the PSSA increases result in the current salary exceeding its pre-FEMPI peak.

These increases will be applied in addition to the lessening of PSPR as outlined above.

ARCO’s Strategy – Pension Related Issues

Members are encouraged to peruse ARCO’s Strategy, ARCO’s Submissions to the Pay Commission, to the Minister for State with Responsibility for Defence, and to the Minister for Public Expenditure and Reform, and subsequent responses, all of which are posted and available on this website.

In this context, the Alliance of Retired Public Servants is continuing to pursue full restoration of all pensions to all cohorts by the end of 2019, the determination of pension increases, and access to an independent third party mechanism for pension related issues.

Category: Pensions | Tags:

CAOGA Group Life Assurance Plan – Update

Good news for members of CAOGA.

Irish Life has agreed to maintain the Benefits and Premiums of the CAOGA Group Life Assurance Plan, put in place in January 2015, for the review period beginning January 2018. This will apply across all membership and age categories.

Additionally, a new age category for those aged between 75 to 84 will be introduced soon for the Plan. This will provide members with a benefit of €9,200 for a premium of €30 per month and spouse/partners with a benefit of €5,500 for a premium of €15 per month. It will apply to members entering this age category in the future but will not be applied retrospectively. 

Further details to follow.

UPDATE – 26 January 2018

The new CAOGA Group Life Assurance Plan membership category, for those aged between 75 to 84, has been introduced from 1 January 2018.

As already advised, this will provide members with a benefit of €9,200 for a premium of €30 per month and spouse/partners with a benefit of €5,500 for a premium of €15 per month. It will apply to members entering this age category from the inception date but will not be applied retrospectively.

The intention is to continue to retain members in the scheme when they reach the age of 75, unless they opt out. CAOGA will write to its members outlining the developments in this scheme.

Category: CAOGA | Tags:

RELATE – December 2017 Edition

Relate, the journal on developments in social services, policy and legislation in Ireland, is published by the Citizens Information Board. The December 2017 issue of Relate covers some of the problems that may affect people who live in urban areas. These include boundary disputes, doing work on party structures, trees, noise and control of animals.

If you would like to receive Relate by email you can subscribe by sending an email with the subject line SUBSCRIBE to including your name.


LO_CALL: 1890 777 121 Open Mon to Fri, 9am to 9pm. 

DROP IN: For your local centre see Golden Pages listing.

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Arty Club’s AGM & Annual Lunch

The Artillery Club’s 2017 Annual General Meeting will take place, by kind permission of the GOC 2 Brigade, in the Auditorium, School of Catering, McKee Barracks Dublin at 1130hrs, on Friday, 01 December.  Coffee will be available in the Officers’ Mess from 1030hrs.

Following the AGM, the Annual Saint Barbara’s Day Lunch will take place in the Officers’ Mess Dining Room at 1330hrs.  

Attendees are requested to notify the Club’s Secretary, Commandant Lar Joye ( (086 8605678), of their intention to attend both the AGM and Lunch. 

Category: News | Tags: ,

Christmas Package for Overseas Personnel

The opportunity has arisen for families and friends to send a Christmas package, via the internal Defence Forces’ system, to personnel currently serving overseas. If members of ARCO would like to avail of this opportunity, please contact Commandant Niall O’Donoghue at 086 8753003 who will provide full details on how to obtain the designated container and customs declaration form from the nearest military barracks.

Return of packages is requested by Wednesday, 29 November. We understand the container is relatively small – suggesting quality over quantity!

ARCO is pleased to support this initiative and wishes to extend a Peaceful and Happy Christmas to all Defence Forces personnel serving overseas and to their families and friends.

Category: News | Tags: ,

Pension Restoration – Responses from DPER

On 08 August, the Department of Public Affairs and Reform responded to ARCO’s submission dated 04 May to the Minister for Public Affairs and Reform.  Link to letter.

Following a meeting on 12 July between the Alliance of Retired Public Servants and the Minister of Public Expenditure and Reform, the Alliance received a letter from the Department on 18 August.  Link to letter.

Category: Pensions | Tags:

Defence Forces Veterans’ Day

The Chief of Staff of the Defence Forces, Vice Admiral Mark Mellett DSM, has issued an invitation to members of the Association of Retired Commissioned Officers to attend the Defence Forces Veterans’ Day, which will be held at McDermott Square, Defence Forces Training Centre, Curragh Camp on Sunday, 8th October 2017 at 1200 hours. A representative group from each of the three national organisations (ARCO, ONET and IUNVA) will march onto the square to be reviewed by the Minister with Responsibility for Defence, Mr. Paul Kehoe, TD. The parade will be followed by a Defence Forces’ equipment and capability display. Light refreshments will be available in the Dining Centre. The event is open to all veterans and to their families. The Executive Committee encourages members to attend this event and to wear their medals. Volunteers to participate in the ceremony will be sought on the day from among those members attending.  

Category: Events | Tags:

Corps Annual Dinners


The Cavalry Club Annual Dinner will be held in the Officers Mess, Cathal Brugha Barracks on Saturday, 04 November 2017 at 1900 hrs.

The Club President and Committee hope that all retired officers of the Cavalry Corps can make a special effort to attend. To make a booking please contact the Honorary Secretary, Lt Damien O’Herlihy via email on damien.o’ or or via mobile 087-6486901.



This year the Corps of Engineers Annual Dinner will take place on Thursday, 26 October 2017 at 1900 hrs. It will be hosted with the kind permission of GOC 2 Bde in the Officers Mess, McKee Barracks.

Retired officers of the Corps are invited to attend and should make contact with Captain Kevin O’Reilly at 01-8046722 or at Please pass this information to any retired officer of the Corps of Engineers you may have contact with.


Category: Events | Tags: ,

ARCO 23rd Annual General Meeting


23rd Annual General Meeting – McKee Barracks
1130hrs, Friday, 06 October 2017


  • Opening Address by President, ARCO
  • Minutes of 22nd AGM – 14 October 2016
  • President’s Report
  • Report of the Hon. Secretary
  • Report of the Hon. Treasurer to include audited A/Cs
  • Report of the Hon. Membership Secretary
  • Appointment of Auditor
  • Elections to Executive Committee
  • Any Other Business


Lt Col Joe Ahern (Retd)
Honorary Secretary

It is important that members notify their intention to attend in advance to the Honorary Secretary not later than Sunday 01 October 2017 as failure to do so may cause security difficulties at the point of entry to McKee Barracks. Don’t forget to bring your I.D. card to facilitate your entry into Bks.

Coffee will be available in the Officers Mess from 1030hrs and the Meeting will take place in the auditorium of the Defence Forces School of Catering at 1130hrs.

A light lunch with wine (gratis) will be served after the meeting. Those wishing to partake of lunch must also notify this to the Honorary Secretary by Sunday 01 October 2017.

Apologies from those unable to attend may be conveyed to the Honorary Secretary and will be read out on the day.

Category: AGM | Tags:

ARCO presents cheque to DFBF

On Tuesday, 29th August 2017 the President of ARCO, Cmdr Gerard O’Flynn (Retd) presented the Chief of Staff, Vice Admiral Mark Mellett, with a contribution of €2,000 towards the Defence Forces Benevolent Fund on behalf of the members of ARCO at the Officers Mess, McKee Barracks. Cmdr O’Flynn was accompanied by Col George Kerton (Retd), Vice President, and Lt Col Richard Cummins (Retd),Treasurer. Vice Admiral Mellett was accompanied by the Assistant Chief of Staff (Support), Brig Gen Peter O’Halloran.

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