• Galway: 091 - 421900   Cork: 021 - 4190009   Dublin: 01 - 5311386
  • Unit 22 Claregalway Corporate Park, Claregalway, Co Galway H91 NWK7

Redundancy Advice

Redundancy Advice

Are you considering redundancy and need specific advice? Get Independent Advice on your Redundancy Entitlements and Options. Experienced Financial consultants are on hand now to evaluate Employers’ redundancy offers. We will examine your entitlements as well as the impact of any payment on your taxation or pension status.

Where you lose your job due to circumstances such as the closure of the business or a reduction in the number of staff this is known as redundancy.

The redundancy payments act 1967 – 2014 provide a minimum entitlement to a redundancy payment for employees who have a set period of service with the employer. Not all employees are entitled to the statutory redundancy payment, even where a redundancy situation exists. If you do qualify for redundancy there are specific redundancy procedures which employers and employees must follow in order to comply with the legislation.

For Independent Advice, call today

Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

Employer Discretionary Payments (Top - ups)

However, you and your employer may agree to a redundancy payment above the statutory minimum, and in such circumstances, employees who have not reached the statutory minimum period of service may also receive a payment. For example, statutory redundancy only applies to employees with two years’ service. This Employer payment arises through agreement and not through a statutory entitlement. As so often in employment law, the legislation is concerned with ensuring minimum rights, while allowing the parties to agree more substantial rights.

Frequently Asked Questions

Not all employees are entitled to the statutory redundancy payment, even where a redundancy situation exists. To be eligible for a payment under the Redundancy Acts, the employee must satisfy the following requirements.

  1. Be aged over 16 years of age
  2. Be in employment that is insurable for all benefits under the social welfare system (PRSI Class A) 
  3. Have worked continuously for the employer for at least 104 weeks
  4. Have been in continuous employment for more than two years if a part-time worker
  5. The same rules apply to apprentices. Apprentices qualify for redundancy unless they are let go within one month of completing an apprenticeship.

If you require Independent Advice on qualifying for statutory redundancy or you are assessing a redundancy offer from your employer, contact us for full analysis and advice on your options. Complete the data box above and an Experienced Financial Advisor will contact you within 24 hours to assess your payments, pension and taxation implications.

For Independent Advice, call today

Cork: 021-4190009   Galway: 091-421900   Dublin: 01-5311386

The statutory redundancy payment is a lump-sum payment based on the pay of the employee. All eligible employees are entitled to:

  1. Two weeks’ pay for every year of service they have since they were 16 and 
  2. One further week’s pay

The amount of statutory redundancy is subject to a maximum earnings limit of €600 per week (€31,200 per year)

Pay refers to your current normal weekly pay including average regular overtime and benefits-in-kind, but before tax and PRSI deductions, that is your gross pay.

The statutory redundancy payment is tax-free.

You can get an Independent Redundancy rule-check within 24 hours by calling.

For Independent Advice, call today

Dublin: 01-5311386 Cork: 021-4190009   Galway: 091-421900  

All redundancies notified after 10 April 2005 take account of absences from work over the last 3 years of service. Any absences outside of this 3-year period which ends on the date of termination of employment are disregarded. When calculating the actual length of your service for redundancy payment purposes, the following are regarded as reckonable service, (the absences listed here are called reckonable absences):

  • The period you were actually in work
  • Any absence from work due to holidays
  • Any absence from work due to illness (see below for non-reckonable periods of illness)
  • Any period where you were absent from work by agreement with your employer (typically career break)
  • Any period of basic and additional maternity leave allowed under the legislation
  • Any period of basic adoptive/paternity/carer’s leave
  • Any period of lock-out from your employment
  • Any period where the continuity of your employment is preserved under the Unfair Dismissals Acts.

However, in making the calculations of the length of your service, the following periods over the last 3 years will not be taken into accounts as service, (these are called non-reckonable absences):

  • Any period over 52 consecutive weeks where you were off work due to an injury at work
  • Any period over 26 consecutive weeks where you were off work due to an illness
  • Any period on strike
  • Any period of lay off from work.

You can get an Independent Redundancy rule-check within 24 hours by calling.

For Independent Advice, call today

Galway: 091-421900     Dublin: 01-5311386  Cork: 021-4190009 

You can use the Dept of Employment Affairs and Social Protection redundancy calculator (click here) to help you to calculate your statutory redundancy entitlements. You should note that the online redundancy calculator does not give a legal entitlement to any statutory redundancy amount.

For Independent Advice, call today

Cork: 021-4190009 Galway: 091-421900     Dublin: 01-5311386

Yes, we can. Please complete the Review panel above and an experienced consultant will be in touch with you within 24 hours to verify the entitlements and assist you with your application process. We can examine your Employer’s offer and calculate the most tax-efficient outcome from the redundancy offer.

For Independent Advice, complete the data request now or call today

Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

You may have received an offer from your Employer which requires your decision to accept or reject. You may be confused about taking the redundancy payment and exercising your pension tax-free lump sum allowance. This is a very important consideration on which you should take independent advice.

For Independent Advice, call today

Cork: 021-4190009   Dublin: 01-5311386  Galway: 091-421900   

Tax and Pension Implications

The decision may require assessment of your tax and pension status. Our consultants will guide you through the process to arrive at the most tax-efficient outcome for your without prejudicing your pension benefits in later life. 

Your employer may be presenting an apparently generous financial offer. However, the payment you accept now may have long term pension/ tax implications for you. You should avail of our independent advice before deciding or signing any employer’s offer.

For Independent Advice, call today

Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    Leaders in Financial Consultancy

    Q Money Financial Consultants Ltd are Financial Consultants advising Individuals, Executives and Companies. Q Money specialise in Financial Planning, Tax Efficient solutions Retirement/Pension Exit mechanisms for Individuals, Self Employed and Company Directors in Ireland, U.K and the E.U.

    Request a free review or call today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    What’s your status?

    You will have several options including:
    1. Transferring fund value to a Personal Retirement Bond.
    If you’re more than 50 years of age, you may be able to subsequently withdraw tax free cash and vest the balance in a Post-Retirement Fund. 
    • You may wish to compile all of your previous Employer pensions in Personal Retirement Bonds from which you may be able to take early retirement benefits and extract tax free cash. 
    1. You may wish to transfer a previous pension to a current Employers scheme.
    It may well be that you can withdraw cash from previous Employers pensions tax free while continuing to work in your current employment.  We will assess your situation and compile an action plan which illustrates all the options and compares the market for Personal Retirement Bonds and Post- Retirement funds such as ARF’s and AMRF’s. (Approved Retirement Funds and Approved Minimum Retirement Funds). The less you pay in unnecessary charges, the longer your pension fund will last! Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    I am getting closer to retirement and I wish to change fund choice and make sure I am not taking as much risk anymore. I have not as much time left to endure a possible market fall. How do I take control of my fund?  The fund choice will be dictated by the Trustees of your former Employers scheme, but why? Your best method of controlling the investment yourself may be to transfer your fund with full Revenue approval to a Personal Retirement Bond where you choose the specific funds in which you wish to invest. You may decide to take some Tax-free cash and select the specific investment funds for your Post-Retirement ARF’s / AMRF’s. Our specialist Pension Advisors will assess your pension investments, tax free cash payments and Retirement drawdown options. This will involve an examination of your state and private pension benefits and will conduct a discerning review of your Life time fund sustainability to request our assistance with a full Pre- Retirement and Post Retirement projection, please call the number below or request a review of your previous Employer pensions. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    It sounds logical, but in practical terms, the transfer of your previous pension to the scheme of your new employer will limit your Retirement from that Fund until you retire from the new Employment.  Best advice is to keep each Occupational Pensions separate as this may allow you to take Early Retirement Options and Tax-free cash extractions from previous pensions. E.G. If you are more than 50 years of age, and have left the employment of a previous scheme, you may well be able to transfer your previous pension to a Personal Retirement Bond and Retire early from it while you continue to work with your current Employer. Tax-free lump sum of 25% of Personal Retirement Bond values are permitted by Revenue once you’re more than 50 years of age. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    My employer is winding up and selling up and I am worried about my pension, as I left it with them when I left employment – do I need to be worried and if so what do I do? No, you do not need to worry unnecessarily but when this happens it can be more onerous on a Deferred Member or Scheme leaver to keep tabs on given personal benefits years later. Advice is needed before you make any decision as there are pros and cons to each choice. Our Advisors will assist you with advice and procedure to securing your former Employers Pension Fund in your own name through a Personal Retirement Bond with a Life Company. You may have early Retirement entitlements including a Tax-free cash payment from your Pension. To engage our assistance, please call the number below or request a free review. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    Redundancy plans are generally published in advance by Employers. A redundancy scheme will typically offer a worker a number of levels of compensation for loss of their employment including:
    • Typically, a number of week payment per year of Employment i.e. Statutory Entitlements.
    • An Ex- Gratia payment from the Employer.
    • Access to a higher Tax-free lump sum by taking some Tax-free cash from the Pension of the Employee. 
    Redundancy calculations need to be considered very carefully as the highest offer termination payment available to the Employees may include:
    • A voluntary waiver of one’s Tax-free Pension entitlements.
    • Restriction on the Employee taking maximum Tax-free cash from their pension early. (Age 50).
    In simple terms, what appears to be the larger value a termination payment or “Cheque payment” on the offer day may well not be best position for the Employee long term. It may limit Early Retirement Options from that Occupational Pension Fund as a result of accepting the higher Redundancy offer.  If you are considering a Redundancy offer, our Advisors offer a free review of your employer’s published Redundancy payment offer. We will consider your age and further Employment / Retirement Options independently of your Employer’s offers.  Our Advisor will illustrate the best short-term redundancy offer for you and the implications it may have on final Retirement. To enlist our help with calculation your optimum Redundancy position, please call the number below or request a free review. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    Whether you are in employment, a sole trader or a company director, we can help you develop the most tax-efficient pension solution for your retirement or assist you with encashing Pensions or restructuring your Retirement plans.  How does the Pension Review Process Work? Firstly, request a free review using our simple form on the right. Once we receive your enquiry, your situation will be assessed by a Qualified Financial Advisor/Pension Consultant within 24 hours. Assessment The Consultant will complete a full free assessment of your current pension arrangements. This includes a full range of options and comparisons including: Redundancy Proposals –                Optimize tax efficient payment. Existing Pension Values –               Exit from previous arrangements.  Previous Employers Scheme –     Tax Free Lump Sum extractions. Personal Policies or P.R.S. A’s – Consolidation / Extraction from former Pension plans.  You can choose the Pension provider of your choice from our industry wide comparison.  We will assess the following on your behalf:
    • Policy Charges
    • Fees
    • Fund performance comparison.
    Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    To seek assistance with any decision which affect your existing or former Pension Funds, you should consult our experienced Pension Advisors. They will examine all of your Pension options including maximizing Tax-Free Lump Sums and preserving long term benefits and Fund Value.  This assessment will involve a detailed fact find which we will conduct on your behalf.  To access this optimum benefit report and the most Tax-Free Cash from your Pension, please request a review below and we will be in contact with you in 24 hours. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    You may establish a bespoke Pension Plan (Self-Administered Scheme) with the assistance of our Pension planner. Investment Options on Self-Administered Scheme may include;
    • Property
    • Stocks and Shares
    • Bespoke Investment classes.
    Our Consultant will assist you in previewing and screening your Pension Investment Options. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    I just started work with a new employer. They have a pension scheme in place, Should I join this or start my own PRSA or Personal Pension Plan? If the employer is willing to contribute to an existing Employers Scheme, you should join the scheme and take advantage of the benefits. You will need to decide how much your personal contributions from your salary will cost you each month. You may also consider Additional Voluntary Contributions (AVC’s) and build up a greater Pension fund with personal tax relief on your contribution. We will assist you in calculating the contributions, AVC entitlements and compare the terms and charges of your employer scheme. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    I have asked my employers to give me a pension plan but they have refused. Can they do this? I thought that legally they had to, what do I do now? Yes, they can – some employers may not admit you to a company scheme until you have been two years in employment.  Employers are obliged to facilitate tax relief and pay-roll deduction of Contributions to a scheme which you may set up yourself. Click below to request assistance with your most tax efficient options and entitlements. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    There are vast array of Pension plans and options available. Our Pension Consultant will review your situation and assist you with your Pension Planning process. Contact us and we respond within 24 hours. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    I am thinking of leaving my job but I am worried what will happen to my Pension Fund?  You have several options, including:
    • Transferring to a Personal Retirement Bond   (With a Life Company).
    • Taking Early Retirement Options    (Depending on age and health).
      • Tax Free Cash Extractions    (Depending on age and circumstance).
    • Transferring to a new Employer’s scheme. 
    Leaving Service or Redundancy considerations are some of the most difficult decisions to make on your own. The decisions may influence the value and access to your pension benefits later on.  Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    Depending on long term Investment objectives and ability to obtain tax reliefthe answer is a resounding YES. You should be comfortable in your Retirement decisions and Long-term objectives. You should know when, where, how and what Retirement plan suits your circumstances.  We will advise you on the most Tax efficient method of establishing your Pension Fund and getting the best value for money on Funds invested. We will compare the charges, fees and Fund Performances of all Pension Providers independently.  We will also examine any previous pensions you may have and advise you on consolidation of your Retirement plans. We will show you the way to maximize your Tax relief on Contributions and Tax-free cash payment from the Pension.  To avail of our assistance and guidance with a free Consultation within 24 hours, please call the number below or request a review. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    This can happen if a Pension investor pursues a high-risk strategy without taking advice on the Investment pitfalls. There are typically a range of Investments funds available from low risk cash deposits to high risk shares and equities.  Our Specialist Pension Advisor will assist you in compiling a risk strategy that suits your age profile and Financial plan. The objective for the Sole Trader is to maximize Tax relief on your income while investing in a well-balanced Financial plan for Retirement.  There are a range of Pension plans and strategies suitable for the Self-Employed. Please call below to avail of best advice on the range of Tax efficient options available to you or request a review with our Experienced Pension Advisors.  Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    As a Self-Employed Sole Trader, or a Company Director, there are highly Tax efficient options available. In simple terms, any trading profit which you make after the deduction of genuine cost and expenses is classed by Revenue as taxable income. Tax Relief is available on any personal pension payment made up to the maximum allowed on the scale below or an overall €115,000 Net Relevant Earnings. There may be benefits to transferring your Pension abroad or examine the Pension / Tax Residency regimes of other E.U Countries. We will assist you with this process. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    In simple terms, any Self-Employed pension payment made against income earned at the high rate of tax can receive full Tax relief at 40%. We can assist you with calculating your maximum pension payable and your optimum tax relief available. To receive assistance with your Self-Employed pension relief calculation, please call below or request your review before you finalise your personal tax return. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    Very little, except that P.R.S.A.’s may be more cost efficient or portable between employments / contracts.  An employer who doesn’t have an official occupational scheme cannot add money to your Personal Pension but they can contribute to your PRSA. Click here and we can discuss the options further. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    It can be the case and Brokers and Pension Providers very greatly in the charges and fees applied to Personal Plans. We will run a comparison of all the regulated Pension Providers in the market for any new plan or top up Pension payment. We will consider any existing plan you may have and the schedule of charges and fees you are paying at present. We will compare them to current offering on the market and calculate the maximum amount that you can contribute at the lowest and most competitive management charges and fees. Call the number below or request a review and we will be in touch within 24 hours. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    Impartial advice and a thorough comparison is the hallmark of our specialist Pension service. We will always complete a comprehensive fact find on your individual situation. We will be seeking the most affordable and Tax efficient mechanism available to you. Our search takes in all of the Pension Providers in the market and examines their detailed costs and fees (including hidden charges). We assess the independently reported performance of their Investment funds under each risk category over at least the last 5 years.  It is essential that you get value for money and that the maximum amount of your contributions is invested in your retirement plan. To get the assistance of our experienced Pension planner and evaluation process, please call the number below or request a review. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    This will vary depending on your Personal or Business earnings as well as your age and your Pension history. Our experience Pension Consultants will consider any trading accounts that you may have and ensure that your full pension entitlements are calculated in a prompt and Tax efficient manner. To request assistance with your Pension eligibility calculations, please call the number below or complete a request for a full pension review.  Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    Of course, Tax relief can be obtained on the Pension payments which have the effect of reducing your Income tax or Corporation tax bill. We specialise in optimizing the Pension Contributions while complying with all Revenue and Regulatory provisions. Your objective is to minimize your tax payment while increasing your Pension Contributions and Entitlements. We will assist you in maximizing your tax-free cash at Retirement. To achieve the optimum pension provision in the most tax efficient fashion, please call the number below or request a review. We will be on your case within 24 hours.  Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    In simple terms, any Self-Employed pension payment made against income earned at the high rate of tax can receive full Tax relief at 40%. We can assist you with calculating your maximum pension payable and your optimum tax relief available. To receive assistance with your Self-Employed pension relief calculation, please call below or request your review before you finalise your personal tax return. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    You could, but you may have more tax efficient options.  You may also have access to Early Retirement Benefits including Tax Free Cash from age 50 by choosing a Company Pension Plan or an Executive Pension Plan. The scale of Pension Contribution permitted by Revenue on behalf of Company Directors and Executives is several times the amount allowed to Personal Pension Plans. The tax relief available to Company Directors through Occupational Schemes funded by employer and employee is therefore a greater percentage of income than through personal plans.  See Occupational Pension Funding limits below.    To ensure that you have the Maximum approvable retirement benefit from your company and Executive scheme, please request a call back or select a review below. Our Consultant will be back to you within 24 hours.  Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    There are broadly similar benefits but the mechanics can be different. It is important to be contributing to the Maximum Funding and Tax Relief Model available. Call the number below or request a free review.  Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    It is possible to purchase property through a Self- Administered Pension Plan (SSAS). There are extremely positive benefits available through this method of Pension Administration. These include the accrual of Rents and Investments returns tax free within a Self- Administered Pension Trust and the legal avoidance of Capital Gains Tax on the Investment Gains of the Pension Fund within the SSAS.  This is a very specialised area that requires Trusteeship, Tax Relief and Pension Regulations. Call the number below or request a review with an Experienced Advisor within 24 hours. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    You can provide Death- in- Service Benefits and Income Protection to yourself or key Employee’s in a Tax efficient manner. Contributions to these benefits through an Occupational Pension Scheme are deductible reliefs and are available to your Company / Employer. For a full outline of the benefits and Tax Reliefs available, call the number below or request a free review. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    There is a broad array of affordable options. A small outlay can have a big effect on Company loyalty and morale. It’s a win-win as the Employees will be getting Benefits which they may not otherwise afford and the company will receive full tax relief against Corporation Tax on all benefits provided though the Pension Scheme. Call the number below or request a review with our Consultant. We will assist you with a full free outline of the affordable and eligible benefit options for your Employees. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    Depending on the number of employees, you may be required to provide a minimum access to a Group P.R.S.A or Pension Scheme. Typically, Employers may have a basic scheme available for general staff after a minimum period of service. Executive Pension Plans may be available to management or key employees.  There are many considerations, cost and regulatory implications to providing Pension Benefits to a large group of Employees with varied skills and income levels.  We will assign you an experienced Pension Planner who will examine all of the options available to your company including a compliance check on the Regulatory, Revenue and Trustee arrangements put in place. To access a high-level Pension Consultant, experienced in establishing multi- level Company and Executive Schemes, please call the number below or request a review within 24 hours.  Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    In simple terms, any Self-Employed pension payment made against income earned at the high rate of tax can receive full Tax relief at 40%. We can assist you with calculating your maximum pension payable and your optimum tax relief available. To receive assistance with your Self-Employed pension relief calculation, please call below or request your review before you finalise your personal tax return. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    If you are a high earning Executive in a company scheme and have not fully thought through your Earnings to Tax Free Optimisation or your Retirement Plans, then you should contact us.  Your options are extensive in terms of maximising the amount you can contribute to a Pension and the qualifying tax relief available. You may be also able to take Retirement benefits early (Tax free cash from age 50) from previous employments or consolidate benefits in a tax efficient exit or Redundancy arrangement. Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    You may look at your future lifestyle or Retirement plan or be the owner or tenant of a property in another E.U Country. E.G. in Portugal or Malta, where your income or Pension could be subject to a more advantageous tax treatment than in Ireland, subject to their residency rules and regulations. A good advance income-Tax and Retirement strategy is essential and this should reflect your future lifestyle and Retirement plans.  Contact us today and we will advise you in consultation with our Regulated Irish Financial Advisors, Servatus* on your best options in Ireland. We will also prepare aa bespoke plan for you which will illustrate and examine the legal, viable and practical pathways available which will optimize your Tax and Retirement positions in Ireland, U.K or the E.U.  Request a Free Review or Call Today

    Galway: 091-421900   Cork: 021-4190009   Dublin: 01-5311386

    Unit 22, Claregalway Corporate Park, Claregalway, County Galway H91 NWK7

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