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DÁIL ÉIREANN · FORMER

Dara Calleary

Mayo · Fianna Fáil · Ireland

IN THEIR OWN WORDS

Agriculture is the backbone. We have all been in the Mansion House today, or everyone has said they were anyway. Energy security is key and crucial. Everybody wants energy security but nobody wants wind energy. We have to strike a balance and get a real discussion, but food security is most important.

SITTING OF 2026-07-15 · READ THE OFFICIAL REPORT

While we have gaps there, we are addressing them. The Minister, Deputy Carroll MacNeill, has announced the minor injury units, which will take the pressure off major hospitals and ensure services are available.

SITTING OF 2026-07-15 · READ THE OFFICIAL REPORT

Recent figures from the CSO show that there is a 5.8% increase in the number of people living in rural areas between 2016 and 2022. In areas classified as highly rural and remote, the increase was 6.4%.

SITTING OF 2026-07-15 · READ THE OFFICIAL REPORT

Enterprise Ireland is investing in Irish-owned, Irish-founded companies. Similarly, 59% of IDA investments were located outside the Dublin region. We will continue to work, looking at the progress we can make through the IDA, Enterprise Ireland and, as Senator O'Loughlin said, through supporting our local enterprise offices.

SITTING OF 2026-07-15 · READ THE OFFICIAL REPORT

That is something we do daily and they are used where is necessary. The plan will be supported by ambitious, clear, practical and measurable actions. I have spoken to some of the funding programmes available within my Department.

SITTING OF 2026-07-15 · READ THE OFFICIAL REPORT

Táim tar éis cuairt a thabhairt ar gach ceantar Gaeltachta chun plé fairsing a dhéanamh leis na pobail sin chun a fháil amach uathu féin cén cineál tacaíochta ar féidir a chur ar fáil dóibh chun cabhrú leo. Táim chun leanúint ar aghaidh leis an obair sin sa bhuiséad le teacht agus na buiséid eile.

SITTING OF 2026-07-15 · READ THE OFFICIAL REPORT

The complete record

Every one of 2,162 lines we hold for Dara Calleary, in date order, each linked to its source. Free to read, in full, without an account. Page 3 of 44.

  1. There are currently 20 scheme types on the taxable payments report, with nearly 1 million customers, including those in receipt of State contributory and non-contributory pension, illness benefit and invalidity pension payments. There are a few very small schemes, with only approximately 18,000 customers in total, that are not yet included in the report. My Department exchanges the taxable payments report with the Revenue Commissioners each week, giving details of the customers. Such data exchanges between the Department and Revenue are permitted under the Social Welfare Consolidation Act 2005. Where a person also has an additional source of employment, occupation or pension income, the mechanism used to collect tax due involves reducing the person’s annual tax credits and rate band by the annual amount of their social welfare income.

    SITTING OF 2026-06-23 · READ THE OFFICIAL REPORT

  2. Responsibility for taxation policy, including the tax treatment of social welfare payments, rests with the Minister for Finance and is administered by the Revenue Commissioners. All payments from the Department of Social Protection are considered taxable unless specifically exempted from income tax. The legislation governing the taxation of social welfare payments is in sections 19 and 126 of the Taxes Consolidation Act 1997, which was amended in 2018 to clarify which payments are exempt from the charge to tax. It should be noted that these payments are subject to income tax but exempt from the universal social charge and PRSI. In order that Revenue can ensure that the right amount of income tax is collected in a timely manner, my Department reports details of these taxable payments to it on an ongoing basis.

    SITTING OF 2026-06-23 · READ THE OFFICIAL REPORT

  3. Gabhaim buíochas leis an Seanadóir Keogan as ucht an t-ábhar seo a ardú. As the Senator has intimated, it is important to note that individuals are responsible for reporting their income to the Revenue Commissioners. For any Department of Social Protection payment that is taxable, the decision letters clearly state, when the payment is awarded, whether this information is shared with Revenue or whether the customer needs to notify Revenue themselves. It is a general principle of taxation that, in the absence of a specific exemption, all income, from whatever source, is income for tax purposes and this includes amounts paid to an individual by the Department of Social Protection.

    SITTING OF 2026-06-23 · READ THE OFFICIAL REPORT

  4. The answer is "Yes". I am going to engage with Deputy Conway-Walsh and any other rural TD, in particular, who may have other examples in this space. I am very much aware of people getting appointments at short notice and - this is a real bugbear of mine - people getting appointments at a time that they have to stay overnight the night before because they cannot get transport. I will engage directly with Deputy Conway-Walsh in relation to her proposal in this space.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  5. The Taoiseach, the Tánaiste and the Minister of State, Deputy Canney, as the three Government leaders, attended the cost-of-disability summit on 13 May and are very much engaged in this process. They took time out of their diaries to engage with it and listen. We have done a lot of pre-work in relation to this. This will not be something that will be landed on colleagues in government when it comes, and I continue to work on this daily. We had a very good session of about an hour and half at the Oireachtas committee last week where we went through the proposals of other parties that were willing to put choices on the line in relation to this payment.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  6. The Deputy's proposals would drive people into unemployment, reduce our tax bases and reduce our ability to actually address this because without a sustainable economy and without sustainable resources, we cannot make these kinds of payments. That is not a tough choice. The Deputy is making a choice that will impair our ability to address and assist people with disabilities. What we are trying to do is have a programme that works and has a backup. We had 1,173 responses to the process. That was an extraordinary response, and each response has been gone through. There were 1,086 responses from individuals and 87 responses from groups and other organisations.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  7. There will be very robust discussion, but I cannot make it any clearer that it is a priority for me to introduce a permanent payment and then to allow it to develop over the lifetime of this Government and future Governments. We have people currently going through all the submissions to ensure that they are recognised, and I will be in a position to bring a proposal to the Government as a consequence of the budgetary process, but we are also very clear that we are going to engage with the disabled persons organisations, DPOs, and the representative organisations as part of that ongoing process. It will not be done in isolation.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  8. I will absolutely be bringing it to Government. I still hope to do so if not by the end of June then very early in July. That is a consequence of 1,100 people who participated, including three of the four political parties represented in the House at the moment. I cannot recall receiving a submission from the Deputy's party in relation to how it might work or with regard to making the tough choices as to how it might be paid and how it might be outlined. Sinn Féin and the Social Democrats are the two other parties that are represented here. On the day of the summit, we engaged with various groups to discuss how it could be paid. To be absolutely clear, I cannot write the budget at this point. I wish I could and give the Deputy a guarantee on it.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  9. A specific workshop on disability matters was hosted as part of the national economic dialogue and we will continue to engage, including at our pre-budget forum on 1 July and with the network of disabled persons organisations that we have within the Department. I intend to bring a proposal to Government as part of my budget 2027 discussions. This is a priority for me.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  10. I will shortly bring to the Government the report relating to the summit, the submissions made and details of the interaction with the Oireachtas committee last week. Given the high level of submissions, work on this matter is continuing. I would like to thank the team in my Department who are giving considerable attention to it. The submissions request that universal payment be made to all people with disabilities, but with a recognition that a differentiated approach could be developed over time to reflect the fact that some forms disability give rise to higher challenges and costs than others. We are continuing to engage with disability groups.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  11. The budget contained significant targeted measures to support disabled people, including increases to core welfare rates, the largest ever increase in the child support payment, the largest ever increase in the income disregard for carer's allowance, increases in the rate of the domiciliary care allowance and improvements to the wage subsidy scheme. In the national human rights strategy, there was a commitment to establish a strategic focus network summit on the cost of disability. Considerable work is under way in this regard. We hosted a summit at the Aviva Stadium on 13 May. Last week, I spent an hour and a half with the joint Oireachtas committee discussing the cost-of-disability payment. A public consultation payment process ahead of the summit on the cost of disability received over 1,100 submissions.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  12. I am not in position to discuss in detail any measures that will be in budget 2027. Work is under way in relation to that, and the details have to be discussed within Government. However, we have made it clear that we recognise that there are significant additional costs which disabled people face in their daily lives. We are committed to addressing this as a priority over the term of this Government. That is why we have the commitment to introduce the permanent cost-of-disability payment. This initiative will add to work done in the context of budget 2026. As part of an overall package of €1.15 billion for new social protection measures, expenditure in respect of disabled people and their carers was increased to just over €6 billion per annum.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  13. There has been an increase since 2019, and an increase in the overall budget, which is substantial, but still not enough people are getting access to it and too many are left facing a cliff edge and a financial challenge at a time of huge personal loss and grief. We need to do something in that regard, because this is not the right way to have it.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  14. The incidences the Deputy cites relate to an area I am very focused on and concerned about, namely where a person loses their partner and then faces a massive and sudden drop in income while the bills remain the same. We will be looking at all of our schemes in that context. This year, we have taken action to increase the fuel allowance and expand the scheme. On foot of the war in Iran, we expanded the season by four weeks. That is a very targeted payment. I do not know if the Deputy was here earlier for the discussion on how we target that and how we can ensure that it is targeted more by allowing people the choice to spend the money on whatever energy source they want. The position with the living alone allowance is similar.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  15. As Deputy Hayes stated earlier, the living alone allowance and the fuel allowance affect people in different ways. We have to make sure that we try to ensure consistency. That will be part of our overall budgetary process, but that is done within a very tight financial window in view of the other challenges the Department faces.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  16. Absolutely. We will be looking at those targeted supports. This year, we have increased the fuel allowance rate by €5 per week and extended the season by four weeks. Most importantly, we sponsored the working family payment in order that those on low incomes can access the fuel allowance payment. We ensured that we backdated this to 1 January. That is the kind of area I want to look at in the context of targeting payments to support those under the most pressure and, in particular, to support, as we have discussed at considerable length this morning, those in receipt of the living alone allowance. Anomalies in this regard have been highlighted by Deputies Burke, McAuliffe and O'Reilly. We want to look at those. There are a lot of areas in which we can iron out difficulties.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  17. In addition, from September, those moving from disability allowance or blind pension to take up employment will continue to receive their fuel allowance for five years after exiting their payment. These improvements, which are targeted, have resulted in many more households qualifying for the payment and have resulted in the budget for the scheme increasing to an estimated €557.4 million in 2026 compared with €290.4 million in 2020. I will continue, as part of the budget planning process, to examine improvements to key ancillary benefits.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  18. Estimated expenditure on the scheme in 2026 is €557.4 million. The household benefits package comprises the electricity or gas allowance and the free television licence, with an annual payment of €580 per recipient. The Department will invest approximately €317 million this year in this package. The living alone allowance is a supplement to a primary social protection payment of €22 per week, €1,144 a year, made to people aged 66 or over in receipt of certain social welfare payments and who are living alone. The estimated cost of the living alone allowance this year is €298 million. In budget 2026, we extended the fuel allowance to all recipients of the working family payment. This benefits some 50,000 families.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  19. The programme for Government contains a commitment to protect core welfare rates while ensuring that available resources are targeted at vulnerable groups. It also includes a commitment to examine key ancillary benefits, including the fuel allowance, household benefits package and living alone allowance to support vulnerable groups. This is an ongoing activity as part of the Department's budget planning each year. As part of budget 2026, I increased the weekly rate of fuel allowance by €5 which increased the weekly rate payable by 15% from €33 to €38 a week or €1,064 per fuel season. In addition, in March I extended the 2026-27 fuel allowance season by four weeks, which added an extra €152 to households in most need of support and increased the fuel season amount to €1,216 for this year.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  20. We made changes last year in relation to the back-to-school clothing and footwear allowance. Where we can, we will continue to do that. From the perspective of the children fortunate enough to receive foster care, it is a changer for them. Many have gone through multiples of carers and generations so it is an area I am looking at. I am also looking at the area of kinship. Along with Deputy McGreehan, I met the Kinship Care Ireland last year. We want to see how we can do more to support that but I would not like to give false expectation either. There are many complex issues around pensions and eligibility we are trying to work through. We have to work through them with the overall sustainability of our pension system in mind. We will work with the Deputy and the Minister, Deputy Foley.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  21. I agree with the Deputy on the vital work being done. The Minister, Deputy Foley, worked closely with me in relation to this matter. We want to continue to work with foster carers.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  22. I agree; an extraordinary service is provided. It gives stability and changes outcomes which would otherwise be very different. Tusla manages the foster parent-foster carer system. It pays the foster carer allowance which is €400 per week for per child under 12 and €425 per child 12 or over. That is to offset expenses. Accordingly, it does not affect tax. It is not assessed as a means for social assistance payments. We will look at further supports but anything we do in the State pension context has to have the overall sustainability of the State and equity in mind. I would love to be able to give the Deputy a guarantee around that but I have to look at those elements as well in terms of our pension system and facing the challenges we discussed in the previous discussion with Deputy McAuliffe.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  23. These measures assist foster carers to access the State pension system and recognise the years spent caring for children in the same way as biological or adoptive parents while ensuring that our pension system remains sustainable. Changes to any aspect of the State pension system have to be considered in the overall policy and budgetary context including the sustainability of the Social Insurance Fund. I am very much aware of the importance of their work. I am happy to work with the Deputy on any proposals he may have in this space over the lifetime of the Government.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  24. Questions of equity would arise if access to pension benefits was afforded to any of these groups, including foster parents and carers, on a preferential basis. Since January 2024, long-term carer's contributions can be awarded to those who have cared for incapacitated persons for a period of 20 years or more. These contributions are treated the same as paid contributions for State contributory pension entitlement only and can be used to fill any gaps in a person's contribution record, including satisfying the minimum ten years of paid contributions required for eligibility. Foster carers who have cared for an incapacitated dependent or dependents for over 20 years also benefit from this provision.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  25. Matters relating to foster care are the responsibility of my colleague the Minister, Deputy Foley. However, the Government acknowledges the very important role of all carers, including foster carers. We remain fully committed to supporting them. Once the minimum requirement of ten years' paid contributions is met, the State contributory pension system provides a range of measures to recognise caring periods outside of paid employment. These include PRSI credits, homemaking disregards and home caring periods. Homemaking disregards and home caring periods recognise caring periods of up to 20 years outside of paid employment in the calculation of a payment rate. Foster carers are entitled to benefit from these measures on the same basis as other family carers and parents.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  26. One point that is consistently made to me, and to all of us, is that carers often do not have the time to look at this kind of information because they are so busy, focused and engaged in their caring role. We have to work with the organisations and family resource centres in every way to get the information about the supports available out to people. I will engage with the Minister for Health on the matter.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  27. I reiterate to the Deputy that we will engage with the Minister, Deputy Carroll MacNeill. We are looking at all of our schemes to see what is stopping people from applying. At the start of the session this morning, Deputy O'Reilly raised other points in that space. I am open to feedback in relation to that. As we go to a situation where somebody on €108,000 can still access the full carer's payment, we obviously have issues that not everybody is applying for it. I am going to drill down on those issues. We will the carer's organisations, Family Carers Ireland and the carer's allowance to increase awareness of the income disregards being increased in the manner that they are. Many people may not be aware of that income disregard, particularly carers.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  28. We need to make their lives a lot easier and take the complications away. We will definitely engage with the Minister, Deputy Carroll MacNeill, in relation to this urgently in the context of 1 July. She is very committed and is very supportive of work in relation to the income disregards. She is very committed to the work of family carers.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  29. To be clear, the medical card means test is a matter for the Department of Health and the HSE. It is not a matter for the Department of Social Protection. Our commitment in relation to carers is increasing the income disregard with a view to phasing out the means test for carers between now and 2029 - the lifetime of the Government. There is the carer's support grant and increasing the weekly rates for that income for carers. I assure the Deputy that I will engage with the Minister in relation to the forthcoming increase in the income disregards. I share his concern that those who qualify are not taking it up. This is not just with carers but across a number of schemes. I want to ensure that those who can qualify for this can take it up without fear of losing other benefits. Those who are performing carer duties do exceptional work.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  30. Supports for carers, including the medical card and respite, are highlighted in the Family Carers Ireland's state of caring report. The Minister, Deputy Carroll MacNeill, is somebody who is very supportive of our work in this space. We will engage with her.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  31. It stated that 68% of households are now falling within the financial eligibility criteria. We are still looking at what the estimated take up will be. For budget purposes, we have prepared estimates on the basis that approximately 3,000 carers nationally will benefit. Given that the scheme is demand led, and it is likely that many who are outside the means test would have not have previously applied for carer's allowance, it is very difficult to estimate the potential inflow from this measure with certainty. We will engage with the Minister for Health around the Deputy's proposal on the means test. It certainly was an issue that was raised with me on 7 May at the carer's forum in relation to supports for carers.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  32. This measure will benefit both those current recipients who are on means-reduced rate and who will see an increase in their payment rate and those people making new claim applications who otherwise would have been subject to a means-reduced rate in 2026. On foot of the increases in the carer's allowance income disregards, a single person providing full-timer care, who also does part-time work this year, will be able to earn just over €54,000 and receive a full carer's payment. Similarly, for a couple household, a person who is providing full-time care and where their partner earns approximately €108,000 per annum will receive a full carer's payment. In its recent report, Family Carers Ireland acknowledged the significant progress made in increasing income disregards for carer's allowance.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  33. I thank the Deputy for his question. The programme for Government contains a commitment to continue to significantly increase the income disregard for carer's allowance across a series of budgets with a view of phasing out the means test over the lifetime of the Government. Budget 2026 has increased the earnings disregard for carer's allowance to €1,000 for a single person and €2,000 for a couple. Those changes will be effective from July this year. These are the largest ever increases in the carer's allowance income disregards and are evidence of our determination to deliver on our commitment to carers. Since 2022, the disregard will have increased cumulatively by €667.50 per week for a single person and by €1,335 per week for a couple.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  34. Again, I do not disagree. We have a designated employment personal adviser in the 62 Intreo offices nationwide for disabled people to meet and discuss employment options. I have changed the work and access scheme. The work and access scheme offers seven different supports to facilitate those with disabilities in the workforce. I changed it to include assistive technology, which is a new thing. In May 2026, there were 1,568 employers supporting 2,621 employees through the wage subsidy scheme. That is not enough. We have the worst disability employment gap in Europe. I am determined to address it and make changes to address it. It will also be a key part of my priorities during the European Presidency, as to how we can learn from Europe. There may be areas that Europe can learn from us in the context of reducing this gap.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  35. I want to involve organisations that have more local connections to employers and that can engage with them. I acknowledge the many local employers who do excellent work on this. As a Department, we will be running a themed week in October, work and skills week. This will look at the employment vacancies that are available and matching those with disabilities to those vacancies. Any employer that does not engage with the wage subsidy scheme is missing out on a really talented bunch of people.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  36. I completely agree with the Deputy. Last year, we ran an overall information campaign about the wage subsidy scheme. This involved normal advertising. It led to a very small increase. We met on this issue this week. I intend to target chambers of commerce, which have a very direct connection to local businesses. Many national businesses support and use the programme. I want to see more local businesses involved because local visibility is important. I will certainly expand our outreach to include family resource centres. If any Deputy would like to suggest organisations that have a local reach and that can get us into local businesses, I am more than happy to work with them. We will be engaging. We are setting up meetings with local business organisations. We deal with the employer organisations on this matter.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  37. Budget 2026 also provided for the expansion of the scheme to those who acquire a disability while in employment, those who have a progressive or degenerative condition that worsens, and those who transfer from invalidity pension to partial capacity benefit. We hope these changes encourage more employers to hire more disabled people to increase uptake of the scheme and I am engaging with employer organisations to this end. Later this morning, I will attend the Light the Way event hosted by MrPRICE, one of our leading providers of employment for disabled people that work with the wage subsidy scheme. I have also made administrative changes to the wage subsidy scheme to centralise processing to ensure a more consistent and quicker service for those employers that are in receipt of a subsidy under the scheme.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  38. One of the recommendations made was to regularly review the subsidy rate. The national human rights strategy for disabled people also includes a commitment to examine an increase in the subsidy rate. The rate was reviewed in the context of budget 2026. As a result, the number of bands was reduced and the subsidy rates were increased. The base wage subsidy paid to employers who employ disabled people is now €7.50 per hour, an increase from €6.30. Employers who employ 25 or more employees on the wage subsidy scheme can still avail of a grant of €30,000 towards the cost of employing an employment assistance officer.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  39. I thank Deputy McGuinness for raising this matter. Supporting disabled people and reducing the disability employment gap are key priorities for me. The wage subsidy scheme is the key disability employment support provided by my Department. It aims to encourage employers to offer substantial and sustainable employment to disabled people through a subsidy. In 2024, the Department published a review of the wage subsidy scheme following a public consultation. We aimed to make the scheme more accessible and more flexible. As a result, the minimum hours were reduced from 21 hours per week to 15 and the scheme was expanded to the community and voluntary sector and the non-commercial semi-State sector. In addition, we changed the language of the scheme to align with the social model of disability.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  40. That is not something to be proud of but it has allowed us to learn from systems across the OECD and from mistakes that were made. We have tried to ensure that our system is user-friendly and that it supports participants and delivers the outcomes we want. The figure of 835,000 enrolees has shown that to be right.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  41. As I have said, the benefits are very much there. Somebody at the age of 23 may feel they are a long way from the age of 66. Looking around the room, I do not see anybody in that space. I assure the Members I am talking about the age of 66. However, it does happen. You get there very quickly and you do not notice it. We genuinely do have a major gap in pension coverage in this country. It is fine now, when we have four workers for every person over the age of 66, but, by the time we get to 2050, which is not that far away, we will have two workers for every such person. I reiterate that the State pension will continue to be the bedrock of our pensions system but we also have to ensure that people have adequate income provision for their retirement years. That is what MyFutureFund is about. We are the last country in the OECD to do this.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  42. MyFutureFund gives those 835,000-odd people a substantial cushion to alleviate the impact of that drop. That is what it is about. It is about looking to your retirement, when you will not be earning the kind of money you may be earning today, and making provision for that.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  43. It has been very successful so far. A Revenue analysis shows that 835,000 workers have been automatically enrolled. Over 9,000 have joined the scheme voluntarily and 112,750 employers are involved. Contributions thus far total €323 million. As I have said, the National Automatic Enrolment Retirement Savings Authority is running a campaign outlining the benefits of MyFutureFund. That will continue as the opt-out process opens. I know people are under pressure. I am very conscious of that pressure but I made the point during the run-in to the introduction of MyFutureFund that, if you get to the age of 66 and have no retirement plan in place, you will face a massive drop in income. Going from €48,000 or €50,000 a year to €16,500, which is what the State contributory pension provides, is an extraordinary drop.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  44. Alongside this, my Department will continue to work closely with NAERSA to ensure awareness of the scheme, the easy administration for employers, and the benefits of saving for retirement for employees. I thank the staff and board of NAERSA for their exception work on the introduction of MyFutureFund, and all the team within my Department, particularly Mr. Tim Duggan who led the work and is just retiring as assistant secretary. I thank him not just for his work on automatic enrolment but his contribution to the State generally.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  45. In addition, more than 9,000 employees have applied to join MyFutureFund voluntarily. Approximately €323 million of contributions have already been collected for investment with the three contracted investment managers. This includes the employer and the State top-ups, meaning contributors have already seen a 133% increase in their fund over and above their personal contribution. In years to come, with these expected investment returns and top-ups, participants should continue to see their funds accumulate to deliver a significant savings pot for their retirement. The National Auto-Enrolment Retirement Savings Authority, NAERSA, is the statutory body responsible for the administration of MyFutureFund. It is running a campaign on social media, print, radio and TV highlighting the benefits of MyFutureFund for participants.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  46. The programme for Government contained a commitment to introduce the automatic enrolment, AE, retirement savings system. The aim of introducing AE is to address the pension coverage gap that exists in Ireland and to provide workers with greater comfort and security regarding their retirement income. MyFutureFund was commenced on 1 January 2026. All elements of the system are operating as planned. The employer and participant website portals are fully functional and there is a very high level of compliance by employers registering for the scheme and remitting contributions. Since 1 January, based on analysis of payroll data from Revenue, over 835,000 employees have been automatically enrolled in MyFutureFund. These employees work for approximately 112,750 employers.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  47. The Deputy and Deputy Séamus McGrath in particular have been consistent in their work on this and I look forward to all colleagues providing input on this because it is something we all get in our constituency clinics on this particular payment.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  48. I was wondering there, Deputy. I want to focus this year on targeted interventions to address those particular cohorts of people who are most at risk of falling into poverty. I want a situation where we can iron out rules within the systems that may be doing that inadvertently and may be driving people in that direction. As I said earlier, there is the situation of somebody who loses their spouse or partner and is immediately faced with the same bills but with half the income. We need to work better in terms of making the living alone allowance available quicker and providing information on it. There is also the fuel allowance. I am also conscious we have not increased the living alone allowance since budget 2022, so we have some way to catch up there.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  49. I look forward to input from colleagues, particularly around the qualifying criteria for the living alone allowance as well as the rate of pay. Many anomalies have been highlighted around the qualifying criteria. Deputy McAuliffe referred to one of these earlier and those are the areas I want to see if we can iron out over the course of our budgetary considerations.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT

  50. It is also paid to people aged under 66 who live alone and are in receipt of a disability allowance, invalidity pension, incapacity supplement or blind pension. It is not a stand-alone payment and for this reason it is only available to those in receipt of one of those specified payments. In total about 260,000 people receive the payment weekly. The current rate of the living alone allowance is €22 a week. It has increased by over 144% since 2019, when it was just €9 per week. The most recent change to the rate was in budget 2022 when it increased by €3, from €19 per week to its current rate of €22 per week. Any future changes to the qualifying criteria or rate of pay for the living alone allowance will have to be considered in the overall budgetary context, including possible increases to primary rates and other supports available.

    SITTING OF 2026-06-18 · READ THE OFFICIAL REPORT