Know your rights: Prescription charges // Muirir oideas

Question

I have a medical card but I seem to be paying more than the monthly cap for prescription charges for my family. Why would this happen and how can I get a refund?

Answer (April 2017)

If you have a medical card, there is a charge for each prescription item you receive. The prescription charge is €2.50, up to a maximum of €25 per month per person or family. For medical card holders over the age of 70 there is a reduced prescription charge, from 1 March 2017, of €2 per item up to a maximum of €20 per month.

Usually your pharmacy keeps records of how much you have paid in prescription charges and makes sure that you do not pay more than the limit each month. However, you may use different pharmacies in the same month, or your family members may not be set up as a family group, and you may end up paying more than the maximum.

If this happens, the Health Service Executive (HSE) will issue a refund without the need for you to apply for it. This is done on the basis of the information received from pharmacies. Refunds are issued every six months for amounts over €10. Amounts that are less than €10 are carried over to the next refund date.

You can set up your family as a family group on medicalcard.ie and print off a family certificate to give to your pharmacist. This will show all of the members of your family so that your pharmacy will not collect charges above the monthly limit. Your family is defined as you, your spouse or partner, any children under 16 years of age and any children between 16 and 21 years of age who are in full-time education.

If you do not have access to the internet you can ask your Local Health Office to help with setting up a family group. You can also call the HSE on 1890 252 919 or ask your local pharmacist who may be able to help you.

Ceist

Tá cárta leighis agam, ach dealraítear go n-íocaimse níos mó ná an t-uasmhéid míosúil do mhuirir oideas i leith mo theaghlaigh. Cén fáth an dtarlódh sé sin, agus cén chaoi ar féidir liom aisíoc a fháil?

Freagra

Má tá cárta leighis agat, baineann muirear do gach mír a fhaigheann tú ar oideas. Is ionann an muirear oideas agus €2.50, suas go huasmhéid €25 in aghaidh an duine nó an teaghlaigh in aghaidh na míosa.  Tá muirear oideas laghdaithe ann do shealbhóirí cárta leighis os cionn aois 70 bliain ó Dé Céadaoin 1 Márta 2017, €2 an mhír suas chuig uasmhéid €20 in aghaidh na míosa.

Is iondúil go gcoinníonn do chógaslann taifid faoin méid a d’íoc tú i muirir oideas, agus go ndéanann siad cinnte de nach n-íocann tú níos mó ná an teorainn gach mí. Is féidir leat leas a bhaint as cógaslanna éagsúla sa mhí chéanna ámh, nó b’fhéidir nach mbunófaí baill do theaghlaigh mar ghrúpa teaghlaigh, agus d’fhéadfá ní ba mhó ná an t-uasmhéid a íoc.

Má tharlaíonn sé sin, eiseoidh Feidhmeannacht na Seirbhíse Sláinte (HSE) aisíoc gan gá duit iarratas a dhéanamh ina leith. Déantar sin ar bhunús na faisnéise a fuarthas ó chógaslanna. Eisítear aisíocaíochtaí gach sé mhí i leith méideanna os cionn €10. Tugtar méideanna ar lú ná €10 iad anonn chuig an gcéad dáta aisíocaíochta eile.

Is féidir leat do do theaghlach a bhunú mar ghrúpa teaghlaigh ar medicalcard.ie agus deimhniú teaghlaigh a chlóbhualadh le tabhairt chuig do chógaiseoir. Taispeánfar leis sin gach ball de do theaghlach ionas nach mbaileoidh do chógaslann muirir os cionn na teorann míosúla. Sainítear do theaghlach mar tusa, do chéile nó do pháirtí, leanaí ar bith faoi bhun 16 bliain d’aois agus leanaí ar bith idir aoiseanna 16 agus 21 bliain d’aois atá san oideachas lánaimseartha.

Mura mbíonn rochtain agat ar an idirlíon is féidir leat iarraidh ar d’Oifig Sláinte Áitiúil chun cuidiú le bunú grúpa teaghlaigh. Is féidir leat glao a chur ar an HSE freisin ag 1890 252 919 nó iarraidh ar do chógaiseoir áitiúil ar féidir leo cabhrú leat.

Know Your Rights: European Health Insurance Card // An Cárta Eorpach um Árachas Sláinte

Question

My partner and I are planning a holiday in Spain. How do we access public healthcare services if one of us becomes ill?

Answer (July 2017)

You and your partner each need a European Health Insurance Card (EHIC). This card allows you to access public healthcare services if you become ill or get injured when visiting certain European countries. It doesn’t cover private treatment or the cost of repatriation to Ireland if required.

The countries covered by the card are the 28 member states of the EU, the three other members of the EEA (Iceland, Liechtenstein, Norway) and Switzerland. The card is not required for a visit to the UK if you can show that you are ordinarily resident in Ireland. In practice, this means showing a driving licence, passport or similar document.

If you have a smartphone you can download the free EHIC app.This includes emergency phone numbers and information about the treatments and costs that are covered. The app does not replace the card.

If you already have a medical card or Drugs Payment Scheme card, you can apply online for your EHIC at ehic.ie.

Otherwise, you can download an application form from ehic.ie or get one from your Local Health Office. You need to provide your name, address, date of birth and Personal Public Service Number (PPSN). If your EHIC has expired you can renew it online at ehic.ie. If your details have changed (for example, your address) you will need to contact your Local Health Office to renew the card.

If you have concerns about getting a new or renewed card in time, you can get a Temporary Replacement Certificate, either online or from your Local Health Office. You may also wish to consider taking out private travel insurance for expenses that are not covered by the European Health Insurance Card (such as the costs of repatriation or the expenses of relatives who travel to you if you fall ill abroad).

Ceist

Tá mo pháirtí agus mé féin ag pleanáil saoire sa Spáinn. Cén chaoi a bhfaighimid rochtain ar sheirbhísí cúram sláinte poiblí má fhaigheann duine againn tinn?

Freagra

Tá an Cárta Eorpach um Árachas Sláinte (EHIC) ag teastáil uait féin agus ó do pháirtí. Ceadaíonn an cárta seo duit rochtain a fháil ar sheirbhísí cúram sláinte poiblí má bhíonn tú tinn nó má fhaigheann tú gortaithe nuair a bhíonn tú ag tabhairt cuairt ar thíortha Eorpacha ar leith. Ní chlúdaíonn sé cóireáil phríobháideach ná costas aisdúichithe d’Éirinn más gá.

Is iad na tíortha atá clúdaithe ag an gcárta ná 28 ballstát an AE, na trí chomhalta eile den LEE (an Íoslainn, Lichtinstéin, an Iorua) agus an Eilvéis. Níl gá leis an cárta chun cuairt a thabhairt ar an Ríocht Aontaithe más féidir leat a léiriú go bhfuil gnáthchónaí ort in Éirinn. Go praiticiúil, ciallaíonn sé sin do cheadúnas tiomána, pas nó doiciméad den chineál céanna a thaispeáint.

Má tá fón cliste agat, is féidir leat an aip EHIC saor in aisce a íoslódáil. Áirítear anseo uimhreacha teileafóin éigeandála agus faisnéis faoi na cóireálacha agus na costais atá clúdaithe. Níl an aip in ionad an chárta.

Má tá cárta leighis agat cheana féin nó cárta Scéim Íocaíochta Drugaí, is féidir leat iarratas a dhéanamh ar líne do do ehic.ie.

Seachas sin, is féidir leat foirm iarratais a íoslódáil ó ehic.ie nó ceann a fháil ó d’Oifig Sláinte Áitiúil. Ní mór duit d’ainm, do sheoladh, do dháta breithe agus d’Uimhir Phearsanta Seirbhíse Poiblí (PPSN) a sholáthar. Má tá do EHIC in éag féadfaidh tú é a athnuachan ar líne ag ehic.ie. Má tá athrú tagtha ar do shonraí (mar shampla, do sheoladh) beidh ort teagmháil a dhéanamh le d’Oifig Sláinte Áitiúil chun an cárta a athnuachan.

Má tá imní ort maidir le cárta nua nó athnuachan a fháil in am, is féidir leat Teastas Athsholáthair Sealadach a fháil, ar líne nó ó d’Oifig Sláinte Áitiúil. B’fhéidir gur mhaith leat smaoineamh ar árachas taistil phríobháideach a ghlacadh i leith caiteachas nach bhfuil clúdaithe ag an gCárta Eorpach um Árachas Sláinte (mar shampla na costais a bhaineann le haisdúichiú nó costais ghaolta a thaistealaíonn chugat má fhaigheann tú tinn thar lear).

Know your rights: Public petitions // Achainíocha poiblí

Question

There is an important issue that I feel isn’t being considered by the Oireachtas but should be. I’ve heard that it is possible to make a petition directly to a parliamentary petitions committee. How does this work?

Answer (April 2017)

The Joint Committee on Public Petitions considers petitions from members of the public on matters in which the Houses of the Oireachtas have the power to act. Anyone except for members of the Oireachtas can submit a petition.

To make a petition, you fill out a form which is available on the Oireachtas website oireachtas.ie. The form can be submitted by post, by email or online and only one signature is required. The committee secretariat can assist you in completing the form and can also give advice on the type of petitions which can be accepted.

You should be able to show that you have already taken steps to resolve the issue, for example, through raising it with the Ombudsman or directly with the relevant government department.

The Joint Committee will not consider a complaint which has been the subject of a decision by an Ombudsman, a regulatory public body or a body set up for the purpose of redress.

If the petition is accepted, the Committee may respond to it in a number of ways. It may:

  • Refer the petition to another appropriate committee, Ombudsman, regulatory public body or redress body
  • Report to the Dáil and Seanad with recommendations
  • Request the petitioner to attend a meeting and address the committee

The parliamentary petitions system is a way that you can take your concerns directly to Parliament and seek to influence the parliamentary agenda. Further information on the Joint Committee on Public Petitions is available on oireachtas.ie.

Ceist

Tá saincheist thábhachtach ann a sílim nach bhfuiltear á breithniú ag an Oireachtas ach ar cheart di bheith. Chuala mé gur féidir achainí a dhéanamh go díreach le coiste achainíocha parlaiminteacha. Cén chaoi a n-oibríonn sé?

Freagra

Is é an Comhchoiste um Achainíocha Poiblí a bhreithníonn achainíocha ón bpobal i leith cúrsaí ina mbíonn an chumhacht ag Tithe an Oireachtais chun gníomhú. Is féidir le duine ar bith seachas comhaltaí den Oireachtas achainí a thaisceadh.

Comhlánóidh tú foirm chun achainí a dhéanamh, a bhíonn ar fáil ar láithreán gréasáin an Oireachtais oireachtas.ie. Is féidir an fhoirm a thaisceadh trí phost, trí ríomhphost nó ar líne, agus ní theastaíonn ach síniú amháin. Is féidir le rúnaíocht an choiste cúnamh leat chun an fhoirm a chomhlánú, agus is féidir leat comhairle a thabhairt freisin i leith an chineáil achainíocha ar féidir glacadh leo.

Ba cheart duit bheith in ann a thaispeáint gur ghlac tú céimeanna cheana féin chun an tsaincheist a fhuascailt, mar shampla, ach í a thabhairt aníos leis an Ombudsman nó go díreach leis an roinn rialtais ábhartha.

Ní bhreithneoidh an Comhchoiste gearán a tháinig faoi réir cinnidh leis an Ombudsman, comhlacht poiblí rialaitheach bunaithe chun críche an tsásaimh.

Má ghlactar leis an achainí, is féidir leis an gCoiste freagra a thabhairt dó ar roinnt bealaí. Féadfaidh sé:

  • An t-achainí a tharchur chuig coiste iomchuí éigin eile, an tOmbudsman, an comhlacht poiblí rialaitheach agus sásaimh.
  • Tuairisciú chuig an Dáil agus an Seanad le moltaí
  • Iarraidh ar an achainíoch chun freastal ar chruinniú agus aitheasc a thabhairt don choiste

Is bealach é córas na n-achainíocha parlaiminteachta ar féidir leat d’ábhair imní a thabhairt go díreach leis an bParlaimint agus tionchar ar an gclár parlaiminteach a lorg. Tá tuilleadh faisnéise i leith Chomhchoiste na nAchainíocha Poiblí ar fáil ar oireachtas.ie.

Know your rights: Long-term illness and the State Pension // Scéim Tinneas Fadtéarmach

Question

I’ve been on Illness Benefit for over a year. I don’t ever expect to be fit to return to work. As I’m now nearing pension age, will I be entitled to a full State Pension (Contributory)?

Answer (June 2017)

The State Pension (Contributory) is paid to people from the age of 66 who have enough social insurance contributions. To qualify, you will need to have paid at least 520 full-rate contributions, which is equivalent to 10 years. The amount of the pension will depend on your average number of contributions per year. Illness Benefit is paid for a maximum of two years. It will end before that if you turn 66, when you may be eligible for a State Pension. You should apply for the State Pension three months before your 66th birthday.

If your entitlement to Illness Benefit ends before you reach pension age at 66 and you are likely to be permanently incapable of work, you may qualify for Invalidity Pension. To get Invalidity Pension you must have at least 260 (or five years) paid PRSI contributions and 48 contributions paid or credited in the last complete tax year before the date of your claim. The last complete tax year is the year before your claim. For example, if you claim Invalidity Pension in 2017, the last complete tax year is 2016. Note that only PRSI paid in classes A, E and H currently count.

If you get Invalidity Pension, you will automatically transfer to the State Pension (Contributory) at the full rate when you turn 66.

You will be contacted by the Department of Social Protection  before your Illness Benefit is due to stop and you will be given information about your options. If at that stage, you don’t qualify for Invalidity Pension and have a disability that is expected to last for a year or more, you may qualify for a means-tested Disability Allowance.

You can get detailed information about the State Pension and payments for people with long-term illnesses from the website of the Department of Social Protection.

Ceist

Táim ar sochar breoiteachta le breis is bliain. Ní dóigh liom go mbeidh me sláintiúil a dhóthain chun filleadh ar obair. Ós rud é go bhfuilim ag druidim i dtreo aois an phinsin, an mbeidh mé i dteideal  pinsin iomlán (ranníocaíoch)?

Freagra

Tá an Pinsean Stáit (Ranníocach) iníoctha le daoine in Éirinn a bhfuil a ndóthain Ranníocaíochtaí Leasa Shóisialaigh íoctha acu agus a bhfuil 66 bliain slán acu.Chun a bheith incháilithe ní mór duit 520 ranníochaíocht ar an ráta iomlán a bheith íoctha agat, is ionann sin agus 10 mbliana. Braitheann méad an phinsin ar mheánlíon na ranníocaíochtaí in aghaidh na bliana. Íoctar sochar breoiteachta suas go 2 bhliain. Tiocfaidh deireadh leis roimhe sin má  shroicheann tú 66 bliain d’aois nuair a bheidh tú incháilithe do phinsean stáit. Bá chóir duit iarratas a dhéanamh ar phinnsean stáit 3 mhí roimh do 66ú breithlá.

Má thagann deireadh le do shochar breoiteachta roimh a shroicheann tú aois an phinsin  (6) agus más cosúil nach mbeidh tú riamh in ann obair, d’fhéadfadh tú a bheith incháilithe do phinsean easláinte. Chun Pinsean Easláinte a fháil ,caithfear na nithe seo a leanas a bheith agat ar a laghad 260 (5 bliana) ranníocaíocht ÁSPC íoctha agus 48 ranníocaíocht íoctha (nó creidmheas tugtha ina n-aghaidh sa bhliain cánach iomlán is déanaí roimh dháta an éilimh. An bhliain cánach is déanaí is ea an bhliain roimh an éilimh. Mar shampla, má dhéantar éileamh ar Phinsean Easláinte in 2017, an bhliain cánach iomlán is déanaí ná 2016. Nótáil nach n-áirítear ach aicmí ÁSPC A, E agus H.

Má fhaigheann tú an Pinsean Easláinte, aistreofar tú go dtí an Pinsean Stáit (ranníocaíoch) ag an ráta iomlán nuair a shroicheann tú 66.

Rachaidh an Roinn Coimirce Sóisialaí i dteagmháil leat roimh a chuirfear deireadh le do Shochar Breoiteachta agus tabharfar eolas duit maidir leis na roghanna atá agat. Mura mbeidh tú incháilithe ag an bpointe sin don Phinsean Easláinte agus má bhíonn míchumas agat a mhairfidh ar feadh bliana nó níos faide, d’fhéadfadh go mbeifeá incháilithe do Liúntas Míchumais ar bhonn tástála maoine.

Tá mionsonraí eolais faoin bPinsean Stáit agus faoi Íocaíochtaí do dhaoine a bhfuil tinneas fadtéarmach orthu ar fáil ar láithreán gréasáin na Roinne Coimirce Sóisialaí.

Know your rights: Retirement age // Aois Scoir

Question

My employer says that I have to retire when I reach the age of 65. Can an employer make you retire at a certain age?

Answer (June 2017)

There is no single fixed retirement age for employees. If you are employed, your retirement age should be set out in your contract of employment. The usual retirement age in contracts of employment is 65.

Many contracts have provisions for early retirement from age 60 (or in some cases from age 55) and most have provision for early retirement on health grounds. Some occupations – for example, firefighters, An Garda Síochána and the Defence Forces – have provisions for earlier retirement.

While employment equality legislation prohibits discrimination on the grounds of age, employers are still allowed to set retirement ages in employment contracts. Since 1 January 2016, under the Equality (Miscellaneous Provisions) Act 2015 an employer may set a compulsory retirement age if the employer can objectively justify the retirement age of an employee. This could be for health and safety reasons, for example, the physical demands and requirements of the job.

If an employee has reached the employer’s mandatory age of retirement, this legislation provides that they may still be legitimately offered fixed-term contracts, provided that it is objectively justified. The provisions of the Protection of Employees (Fixed-Term Work) Act 2003 would still apply.

The Workplace Relations Commission (WRC) provides information on your rights and entitlements under employment legislation. For further information about your contract of employment and retirement age you can contact the WRC’s Information and Customer Service at Lo-call 1890 80 80 90 or through the website, workplacerelations.ie.

Ceist

Deir m’fhostóir go gcaithfidh m dul ar scornuair a shroichfidh mé 66 bliain d’aois. An féidir le fostóir iachall a chur ort dul ar scor ag aois áirithe?

Freagra

Níl aon aois áirithe le dul amach ar phinsean. Má tá tú fostaithe, ba chóir go mbeadh an aois le dul amach ar phinsean leagtha síos i do chonradh fostaíochta. Is í an gnáth aois a bhíonn leagtha síos i gconradh le dul amach ar phinsean ná 65.

Bíonn socruithe i roinnt mhaith conarthaí le dul amach ar phinsean go luath ó aois 60 nó i roinnt cásanna ó aois 55 agus tá socruithe ag formhór acu i gcomhair dul ar phinsean luath mar gheall ar chúrsaí sláinte. Tá socruithe ag roinnt gairmeacha beatha do scor níos luaithe mar shampla, fir mhúchta dóiteán, an Garda Síochána agus na Fórsaí Cosanta.

Ce go bhfuil cosc ar leithcheal ar bhonn aoise sa reachtaíocht um  chomhionannas fostaíochta, is féidir le fostóire aoiseanna scoir a leagan amach i gconarthaí fostaíochta go fóill.  Ó 1 Eanáir 2016, faoin  Acht Chomhionannas (Forálacha Ilghnéitheacha) 2015 is féidir le fostóir aois scoir shainordaitheach a leagan síos ar an gcoinníoll go gcosnaítear é ar bhonn tosca oibiachtúla.D’fhéadfadh sé a bheith bunaithe ar bhonn sláinte agus sábháailteachta mar shampla riachtanais fhisiciúla an phoist.

Má tá aois scoir shainordaithe an fhostóra sroichte ag fostaí, tá foráil sa reachtaíocht gur féidir conarthaí ar théarma seasta a ofráil dó, ar an mbonn go bhfuil tosca oibiachtúil ann dó. Bainfidh forálacha   An Achta um Chosaint Fostaithe (Obair Téarma Socraithe) 2003 leis fós

Soláthríonn AN Coimisiún um Chaidreamh san Áit Oibre eolas ar do chearta agus do theidlíochtaí faoin reachtaíocht fostaíochta. Chun tuilleadh eolais fai do chonradh fostaíochta agus an aois scoir is féidir leat dul i dteagmháil le Seirbhís Faisnéise agus Custaiméara ag Ló-Ghlao 1890 80 80 90 nó féach workplacerelations.ie.

Know your rights: Medical card and Domiciliary Care Allowance // An Cárta Leighis agus An Liúntas Cúram Baile

Question

I’m getting Domiciliary Care Allowance for my daughter so I was happy to hear that medical card cover was being extended to children who qualify for the payment. The medical card application form seems to require a lot of information that doesn’t appear relevant in this situation. Is there another way to apply?

Answer (June 2017)

You don’t need to complete the medical card application form to get the medical card for your daughter. The medical card for children who qualify for Domiciliary Care Allowance (DCA) isn’t subject to a means test so information about your income is not required.

Instead, you can register your child online by going to the website medicalcard.ie  and clicking on ‘Medical Cards (DCA)’. The site also has a form you can download if you prefer to apply by post.

You will need to provide the following information:

  • Your Personal Public Service (PPS) Number and contact details
  • Your child’s PPS Number and date of birth
  • The name and address of your child’s GP

The website includes a list of GPs who are participating in the scheme. If your GP of choice is accepting applications electronically, your child’s details will be sent to them. If not, you will be emailed a copy of the relevant details, which you can print out and bring to the GP.

Once the GP accepts your child to their GMS patient list, the registration will be finalised by the National Medical Card Unit and a medical card in your child’s name will be sent to you.

If you have questions about the medical card, you can call the information line on Lo-call 1890 252 919.

Ceist

Faighim Liúntas Cúram Baile do m’iníon mar sin bhí áthas orm a chloisteáil go mbeidh clúdach cárta leighis á leathnú amach go páistí atá incháilithe don íocaíocht. Tá go leor eolais ag teastáil ón bhfoirm iarratas don chárta leighis nach dóigh liom é a bhith ábhartha don chás seo. An bhfuil bealach eile chun iarratas a dhéanamh?

Freagra

Ní gá duit an fhoirm iarratais don chárta leighis a chomhlánadh chun an cárta leighis a fháil dod’ iníon. Níl an cárta leighis do leanaí atá incháilithe don Liúntas Cúram Baile (DCA) faoi réir tástála maoine agus mar sin ní theastaíonn eolas faoi d’ioncam.

In ionad sin is féidir leat do pháiste a chlárú ar-líne trí dul ar medicalcard.ie agus gliogáil ar ‘Medical Cards (DCA)’. Más fearr leat iarratas a dhéanamh trí phost, tá foirm le híoslódáil ann freisin.

Caithfidh tú an t-eolas a leanas a sholáthar:

  • D’uimhir PSP agus do shonraí teagmhála
  • Uimhir PSP do pháiste agus a dháta breithe
  • Ainm agus seoladh DG do phaiste

Tá liosta na DG atá páirteach sa scéim ar an láithreán gréasáin. Má ghlacann do DG roghnaithe le hiarratais leictreonacha, seolfar sonraí do pháiste chuige. Mura nglacann, seolfar cóip de na sonraí ábhartha trí ríomhphost chugat. Is féidir leat iad a chur i gcló agus iad a thabhairt don DG.

Nuair a ghlacann an DG le do pháiste ar a liosta SGM, déanfaidh Aonad Náisiúnta na gCártaí leighis an próiseas a chríochnú agus seolfar cárta leighis in ainm do pháiste chugat.

Má bhíonn ceiseanna agat maidir leis n gcárta leighis, is féidir glao a chur ar an líne faisnéise ag Íos-ghlao1890 252 919.

Know your rights: Disabled Person’s Parking Permit // Cárta Páirceála Duine faoi Mhíchumas

Question

Can I use my mother’s Disabled Person’s Parking Permit if I’m doing an errand for her?

Answer (June 2017)

The Disabled Person’s Parking Permit can only be used by the person to whom it is issued. The permit shows the name and photograph of the person it has been issued to and you cannot use it unless that person is with you.

The permit allows the holder of the permit to use the public parking spaces that are specifically assigned for vehicles being used by a person with a disability.

These spaces or parking bays have the wheelchair symbol painted on the ground or have a sign with the wheelchair symbol displayed. Most accessible parking bays are located near amenities such as shops and schools.

Car parking spaces with the wheelchair symbol are usually wider than most other car parking spaces to enable drivers or passengers with a disability to get from their car seat to their wheelchair.

A Disabled Person’s Parking Permit is only issued to a person with a disability. The parking permit can be used by the person with the disability for any vehicle they are travelling in. This means that a person with a disability being driven at different times by different people can bring the parking permit and display it in whichever vehicle they are using.

The Disabled Person’s Parking Permit is administered by the Disabled Drivers Association of Ireland (DDAI) and the Irish Wheelchair Association (IWA). Both organisations provide detailed information on using the Disabled Person’s Parking Permit.

Ceist

An féidir liom Cárta Páirceála Duine faoi Mhíchumas mó mháthar a úsáid má dhéanaim timireacht di?

Freagra

Ní féidir ach an duine arna eisítear an Cárta Páirceála Duine faoi Mhíchumas é a úsáid. Tá ainm agus grianghraf an duine arna eisíodh é ar an gcárta agus mura tusa an duine sin ní féidir leat é a úsáid.

Ligeann an ceadúnas do shealbhóir an cheadúnais áiteanna páirceála atá sainithe d’fheithiclí daoine le míchumas a úsáid.

Bíonn siombail cathaoir rotha péinteáilte ar an talamh na n-áiteanna páirceála seo nó bíonn comharthaí a bhfuil an siombail air le feiceáil. Tá formhór na spásanna inrochtana in aice le háiseanna ar nós siopaí agus scoileanna.

De ghnáth búionn spásanna páirceála a bhfuil an siombail orthu níos leithne ná formhór na spásanna páirceála eile chun ligean do thiománaithe nó dá bpaisinéirí atá faoi mhíchumas dul ó shuíochán a chairr go dtí a gcathaoir rotha.

Ní eisítear Cárta Páirceála Duine faoi Mhíchumas ach do dhaoine a bhfuil míchumas orthu. Is féidir  an ceadúnas pairceála a úsáid le haon fheithicle a dtaistealaíonn siad inti . Ciallaíonn sé seo gur féidir le duine atá faoi mhíchumas atá mar phaisinéir i bhfeithiclí difriúla ag amanna difriúla an ceadúnas páirceála a thabhairt leo agus é a thaispeáint in aon fheithicle a úsáideann sé/sí.

Is é Cumann na dTiománaithe faoi Mhíchumas Éireann (DDAI) agus Cumann Cathaoireacha Rothaí na hÉireann (IWA) a riarann an ceadúnas páirceála. Tá mionsonraí eolais ag an dá eagraíocht faoin Cárta Páirceála Duine faoi Mhíchumas.

Know your rights: Farm Assist means test // Tástáil acmhainne don Chúnamh Feirme

Question

How is income from different sources assessed for Farm Assist? I do some contracting as well as farming and my spouse works part-time. We have two children.

Answer (April 2017)

The means test for Farm Assist takes into account virtually every type of income you may have but it assesses different income in different ways.

Your income from farming and other self-employment (like contracting) is assessed as the gross income that you or your spouse may be expected to receive, less any expenses you incur to earn that income. From 8 March 2017, €254 of the income each year is disregarded for each of your two children (it would be €381 for a third or subsequent child). 70% of the balance is assessed (it was 100% up to March 2017).

Payments under rural environmental schemes such as GLAS and SAC are assessed separately from other farm income. €2,540 is deducted from the total amount of all these payments each year and 50% of the remainder is disregarded. Expenses incurred in complying with these environmental measures are then deducted and the balance is assessed as means. Income from an occupational pension or leasing of land or milk quotas is assessed in full. Capital (including any property that you do not live in) is assessed using the formula applied to means-tested social welfare payments.

If you have an off-farm job, €20 per day (up to a maximum of €60 per week) is deducted from your assessable weekly earnings and then 60% of the remainder is assessed as weekly means. Your spouse’s income from employment is assessed in the same way. If you have seasonal work, you are assessed on your earnings only during the period you are actually working.

When you apply for Farm Assist, a social welfare inspector will visit you and ask to see various documents. The inspector will then assess the costs incurred in running the farm. You are entitled to receive a copy of this farm income calculation.

You can get detailed information on how farm income is assessed at welfare.ie.

Ceist

Cén chaoi a ndéantar ioncam ó fhoinsí éagsúla a mheasúnú don Chúnamh Feirme? Déanaimse roinnt contraitheoireachta chomh maith leis an bhfeirmeoireacht, agus oibríonn mo chéile go páirtaimseartha. Tá beirt leanaí againn.

Freagra

Glactar san áireamh leis an tástáil acmhainne don Chúnamh Feirme beagnach gach cineál ioncaim a fhéadann bheith agat, ach déantar measúnú inti ar ioncam éagsúil ar bhealaí éagsúla.

Déantar d’ioncam ón bhfeirmeoireacht agus ó fhéinfhostaíocht eile (ar nós na conraitheoireachta) a mheasúnú mar ollioncam a mbeifí ag dúil go bhfaighfeá féin nó do chéile, lúide aon chaiteachais a thabhaíonn tú chun an t-ioncam sin a thuilleamh. Tugtar neamhaird ó 8 Márta 2017 ar aghaidh do €254 den ioncam gach bliain i leith gach duine de do bheirt leanaí (b’ionann é agus €381 i leith an tríú nó aon leanbh ina ndiaidh sin). Déantar 70% den iarmhéid a mheasúnú (b’ionann é agus 100% anuas go dtí Márta 2017).

Déantar íocaíochtaí faoi scéimeanna comhshaoil tuaithe ar nós GLAS agus SAC a mheasúnú ar leithligh ó ioncam feirme eile. Asbhaintear €2,540 de mhéid iomlán na n-íocaíochtaí sin gach bliain, agus tugtar neamhaird ar 50% den fhuílleach. Asbhaintear na caiteachais a thabhaítear chun comhlíonadh leis na bearta comhshaoil sin ansin, agus déantar an t-iarmhéid a mheasúnú mar acmhainn. Déantar an t-ioncam ó phinsean ceirde nó ó léasú talún nó cuótaí bainne a mheasúnú ina iomláine. Déantar an caipiteal (lena n-áirítear réadmhaoin ar bith nach gcónaíonn tú inti) a mheasúnú ach leas a bhaint as an bhfoirmle a cuireadh chun feidhme mar íocaíochtaí leasa shóisialaigh arna dtástáil de réir acmhainne.

Má tá post lasmuigh den fheirm agat, asbhaintear €20 in aghaidh an lae (suas chuig uasmhéid €60 in aghaidh na seachtaine) de do thuillimh sheachtainiúla agus déantar 60% den fhuílleach a mheasúnú ansin mar acmhainn sheachtainiúil. Déantar ioncam do chéile ón bhfostaíocht a mheasúnú ar an mbealach céanna. Má bhíonn obair shéasúrach agat, ní dhéantar measúnú ort ar do thuillimh ach amháin le linn na tréimhse ina n-oibríonn tú go hiarbhír.

Tabharfaidh cigire leasa shóisialaigh cuairt ort nuair a dhéanann tú iarratas ar Chúnamh Feirme, agus iarrfaidh siad chun amharc ar cháipéisí éagsúla. Is amhlaidh a dhéanfaidh an cigire measúnú ansin ar na costais a thabhaítear le reáchtáil na feirme. Bíonn tú i dteideal cóip den ríomh ioncaim feirme sin a fháil.

Is féidir leat eolas mionsonraithe a fháil faoin gcaoi a ndéantar measúnú ar an ioncam feirme ag welfare.ie.

Know your rights: Preparing for retirement // Ag ullmhú chun scor ón obair

Question

I will be retiring from work in 2017 when I reach 65. What do I need to know about pensions and other benefits in retirement?

Answer (March 2017)

When you retire at age 65 you can claim Jobseeker’s Benefit, which is based on your Pay Related Social Insurance (PRSI) contributions. If you do not qualify for Jobseeker’s Benefit, you can claim Jobseeker’s Allowance, which is means-tested.

At age 66, you may be entitled to the State Pension (Contributory). If you do not have enough PRSI contributions, you can apply for a State Pension (Non-Contributory), which is means-tested. You should apply for a State Pension at least three months in advance.

You may have contributed to an occupational pension scheme during your working life or you may have a personal pension arrangement. You need to contact the pension provider to find out exactly what benefits your pension gives you.

If you move from employment to retirement in the course of the year, you should get a PAYE Balancing Statement (P21) from your local tax office at the end of the year. This will trigger a refund if you have paid too much tax.

Your Jobseeker’s Benefit or State Pension and any occupational pension are taxable. However, the tax exemption limits are higher for people aged 65 or over and there are some extra tax credits.

At age 66, you will be exempt from paying PRSI. At age 70, you will pay a reduced Universal Social Charge if your annual income is €60,000 or less.

At age 66, you will also be eligible for a Free Travel Pass and may be eligible for the Household Benefits Package, which consists of a free TV licence and an electricity or gas allowance.

For medical cards and GP visit cards, which are means tested, the income thresholds  are higher for people aged 66 and over. If you are over 70 there is a different means test for the medical card and you can get a GP visit card without an income test.

Ceist

Beidh mé ag scor ón obair i 2017 nuair a shroichim 65.  Céard a theastaím uaim fáil amach faoi phinsin agus sochair eile agus mé ag scor?

Freagra

Nuair a scoireann tú ag aois 65 is féidir leat Sochair Cuardaitheora Poist a éileamh, atá bunaithe ar do ranníocaíochtaí ÁSPC.  Mura gcáilíonn tú do Shochar Cuardaitheora Poist, is féidir leat Liúntas Cuardaitheora Poist a éileamh, agus tá tástáil mhaoine i gceist.

Ag aois 66 d’fhéadfá a bheith i dteideal an Pinsean Stáit (Ranníocach) a fháil.  Mura ndearna tú go leor ranníocaíochtaí ÁSPC, is féidir leat iarratas a dhéanamh arPhinsean Stáit (Neamh-ranníocach) agus déantar tástáil mhaoine air sin. Ba cheart cur isteach ar an bPinsean Stáit ar a laghad trí mhí roimhré.

Seans gur chuir tú le scéim pinsean ceirde le linn do shaoil oibre nó seans go bhfuil socrúchán pearsanta pinsin agat.  Is ceart dul i dteagmháil leis an soláthraí pinsin chun fáil amach cé na sochair bheachta a thabharfas do phinsean duit.

Má bhogann tú ó fhostaíocht go scor le linn na bliana, is féidir leat ráiteas comhardaithe (P21) a iarraidh ó d’oifig chánach áitiúil ag deireadh na bliana. As sin gheobhaidh tú aisíoc má d’íoc tú an iomarca cánach.

Tá do Shochar Cuardaitheora Poist nó Pinsean Stáit agus aon phinsean ceirde eile incháinithe.  Mar sin féin, tá na teorainneacha díolúine cánach níos airde do dhaoine ar 65 nó níos mó iad agus tá roinnt creidiúintí cánacha breise eile.

Ag aois 66, beidh tú díolúine ó ÁSPC a íoc.  Ag aois 70, íocfaidh tú Muirear Sóisialta Uilíoch laghdaithe más é d’ioncam bliantúil €60,000 nó níos lú.

Ag aois 66, beidh tú incháilithe do Phas Saorthaistil agus seans go mbeidh tú incháilithe do Phacáiste Sochar Teaghlaigh, ina n-áirítear ceadúnas teilifíse saor agus an liúntas leictreachais nó liúntas gáis.

Do chártaí leighs agus Cártaí Cuairte LG, a bhfuil tástáil mhaoine i gceist, tá an tairseach ioncaim  níos airde do dhaoine ar aois 66 nó níos mó iad.  Má tá tú níos mó ná 70, tá tástáil mhaoine dhifriúil don chárta leighis agus is féidir leat cárta cuairte LG a fháil gan tástáil ioncaim.

Know Your Rights: Domestic violence // Foréigean baile

Question

My partner has been violent towards me and my children. What can I do to stop this and protect my family?

Answer (February 2017)

If you are concerned about violence in your home, you can contact the Gardaí, who are specially trained to deal with these situations and can offer advice and information. Under the Domestic Violence Act 1996, where there is an order in place, Gardaí have the power to arrest and prosecute a violent family member. There are two main kinds of protection available – a safety order and a barring order.

A safety order is an order of the court which prohibits the violent person with whom you are living from further violence or threats of violence. It does not oblige the person to leave the family home. You can also get a safety order against a person with whom you have had a child, even if you are no longer living with or have never lived with the person. It prohibits them from watching or being near your home.  A safety order can last up to 5 years.

A barring order is an order which requires the person to leave the family home. If you are not married or in a civil partnership, you can get a barring order against a violent partner if you have been living together in an intimate and committed relationship for 6 out of the previous 9 months and if your partner does not own most or all of the house you are living in. A barring order can last up to 3 years.

Both types of order can be renewed by applying for a further order before the previous one has expired.

Others living together can also apply for protection.  For example, a parent can apply for protection against domestic violence by their own child, if the child is over 18.

To get a barring order or a safety order, you must apply to the District Court. While you are waiting for the court to hear your application, the court can give you an immediate order, called a protection order. The protection order has the same effect as a safety order. In exceptional circumstances the court can grant an interim barring order. This is an immediate order, requiring the violent person to leave the family home.

Question
My partner has been violent towards me and my children. What can I do to stop this and protect my family?

Answer
If you are concerned about violence in your home, you can contact the Gardaí, who are specially trained to deal with these situations and can offer advice and information. Under the Domestic Violence Act 1996, where there is an order in place, Gardaí have the power to arrest and prosecute a violent family member. There are two main kinds of protection available – a safety order and a barring order.

A safety order is an order of the court which prohibits the violent person with whom you are living from further violence or threats of violence. It does not oblige the person to leave the family home. You can also get a safety order against a person with whom you have had a child, even if you are no longer living with or have never lived with the person. It prohibits them from watching or being near your home.  A safety order can last up to 5 years.

A barring order is an order which requires the person to leave the family home. If you are not married or in a civil partnership, you can get a barring order against a violent partner if you have been living together in an intimate and committed relationship for 6 out of the previous 9 months and if your partner does not own most or all of the house you are living in. A barring order can last up to 3 years.

Both types of order can be renewed by applying for a further order before the previous one has expired.

Others living together can also apply for protection.  For example, a parent can apply for protection against domestic violence by their own child, if the child is over 18.

To get a barring order or a safety order, you must apply to the District Court. While you are waiting for the court to hear your application, the court can give you an immediate order, called a protection order. The protection order has the same effect as a safety order. In exceptional circumstances the court can grant an interim barring order. This is an immediate order, requiring the violent person to leave the family home.