Gabhaim buíochas as an gceist. The auto-enrolment savings system, known as My Future Fund, will commence on 1 January 2026. My Department has had extensive engagement with employers, including those in the community and voluntary sector, and with Government Departments, since the release of the automatic enrolment strawman public consultation in 2018. Its impending implementation has been well flagged to all those groups since the enactment of the auto-enrolment Act in 2024 and extensively throughout this year. Therefore, employers have been given a substantial lead-in period to budget appropriately for its introduction, including through budget negotiation with sponsors where appropriate. It is worth mentioning that, in response to feedback from that consultation, the design of the auto-enrolment system provides for phasing in of contribution rates over a decade. Employees will be required to make initial contributions of 1.5% of gross earnings, rising by 1.5% every three years until they reach a maximum contribution rate of 6% in year ten. These contributions will be matched on a one-for-one basis and on the same timeline by employer contributions and topped up by the State at a rate of €1 for every €3 contributed by the employee. That phased approach has arisen as a consequence of the consultations the Department has undertaken in the design of the system. For community and voluntary groups and employers generally, this approach gives clear certainty on the rates that will be applicable so as to facilitate the gradual absorption of labour costs. My Department has been very proactive throughout this year - and indeed previously - in advising other Departments, including the Department of Public Expenditure, Infrastructure, Public Service Reform and Digitalisation, about this issue. I will be taking the opportunity again to remind my Cabinet colleagues in coming days. Automatic enrolment is starting on 1 January and no worker should be disadvantaged as a consequence.
Sentiment score: 0.12
The position is that automatic enrolment is a legal requirement. Therefore, the employers will have to give access to My Future Fund to employees aged between 23 and 60 and earning over €20,000 who do not have an existing payroll-connected pension. We have made it very clear in the Department that this is happening. The point has been made at official level, including to the Department of public expenditure, that this is happening on 1 January and that people need to make provision. We have also made the point to all employers across the State. We have worked closely with groups such as ICTU in relation to this. I attended a really good seminar with ICTU a few weeks ago, on 23 October. ICTU is fully behind this and is very aware of it. In fact, it was very frustrated that we did not introduce this in September. It has been engaging with its members across the country to get ready for it. I want to make it very clear that this is not an opt-in for employers, regardless of who they are. If there is an employee who fulfils the criteria and who is not linked through payroll to a pension at the moment, he or she will be covered.
Sentiment score: 0.13
All employers have had seven years to get ready for and get used to this. We listened to their feedback on stepping the contributions and not introducing big contributions from the beginning. I confirm that in the Department of Social Protection, the Estimates in respect of payments to the organisations do include costs for, say, community employment and Tús where they arise. We have engaged at senior official level and with the Secretaries General of other Departments advising them that automatic enrolment was coming in on 1 January and that they needed to ensure provision. I cannot account for every other Department, but, on the back of this discussion, I will be reminding all my colleagues this afternoon that this is happening. It is a huge event for 750,000 to 800,000 workers who currently have no pension provision. This is not a silver bullet. I want to be very clear that My Future Fund is not going to be the answer to everybody’s problems, but it is happening on 1 January.
Sentiment score: 0.20
I thank the Deputy. The criteria for the fuel allowance are framed in order to direct the limited resources that are available to my Department in as targeted a manner as possible. To qualify for the fuel allowance payment, a person must satisfy all of the qualifying criteria, including a household composition test. This ensures that the payment is targeted at those who are more vulnerable to fuel poverty, including those reliant on social protection payments for longer periods and who are unlikely to have additional resources of their own. Disregarding an adult household member who is not reliant on a long-term social protection payment and who is in employment would change the targeted nature of the scheme. In practice, it would not be feasible to distinguish between households where adult children have moved back home and households where other adults have always lived. I understand exceptional needs will arise, and this is the reason we provide additional needs payments as part of the supplementary welfare allowance scheme. Anyone who considers they may have an entitlement to an additional needs payment is encouraged to contact their local community welfare services. Under the supplementary welfare allowance scheme, a special heating supplement may in certain circumstances be paid to assist people who have special heating needs, such as in cases of ill health, infirmity or a medical condition. We have extended fuel allowance eligibility to working family payment recipients this year, and it is to be paid in March and backdated to January. Once again, it is targeted at people on low incomes who are working, to support them. If there are specific cases that do not meet the criteria – I see the Deputy nodding – I will be more than happy to discuss them.
Sentiment score: 0.11
I will be raising the issue the Deputy raised last night. I do not believe there is any targeting of any group. There will always be controlled measures, but I do not believe there is any specific targeting. Once again, I point out that in relation to any particular case, additional supports are available, particularly where there is an illness or disability. We have extended fuel allowance eligibility to working family payment recipients, and that is a big change. Over 50,000 families will now become eligible for fuel allowances who currently are not. We have a commitment within the programme for Government to enhance supports for lone parents. Two thirds of the recipients of the working family payment are in single adult households. I am constantly focusing on the rate of the fuel allowance and seeking to ensure it is relevant. The changes we have made in this budget will be permanent; they do not comprise a year-to-year measure, so people will be able to plan in relation to that. If there is a specific issue, I will certainly discuss the case. We do not want anybody to be cold or without fuel as a consequence of somebody in receipt of social protection coming back into their household.
Sentiment score: 0.09
I will certainly engage with the Deputy in that regard. We also have a commitment in the programme for Government to examine key benefits such as the fuel allowance, households benefits and the living alone allowance. That is an ongoing activity to make sure they are as relevant and targeted as possible. The household benefits package is specifically targeted at older people. It is paid at a rate of €35 per month for 12 months of the year. I wish to ensure it is as effective as possible and people get the benefit of it. We are also looking at how much in carbon tax revenues we can use to fund and expand measures such as this. In expanding them, however, I want to keep them targeted and focused on those who need it the most. We will work with other Departments on energy efficiency awareness, investing in the energy efficiency of housing stock and giving people a chance to do that, as well as expanding the warmer home scheme so that we can reduce long-term fuel expenditure. I have asked for an update on any control measures around fuel allowance. I am surprised at the issue raised but I will engage with the Deputy on it.
Sentiment score: 0.46
The programme for Government, as the Deputy knows, commits to increasing the carer’s allowance disregard, with a view to phasing it out over the lifetime of the Government, which is another four years. Removing the means test is a significant shift in policy direction and, therefore, this is a prudent and sustainable approach for us to take. I announced further improvements in budget 2026 to the carer’s allowance means test. They will be introduced in July 2026. For carers who work, the weekly income disregard will increase by 60% from €625 to €1,000 for a single person and from €1,250 to €2,000 for carers who are part of a couple. This means, for example, that a carer in a two-adult household with an income of approximately €110,000 will still retain their full carer’s payment. Even those with an income of €138,000 will gain a partial payment. There have been a number of changes to the scheme in recent years that have resulted in significant growth. The number of carers on the scheme has increased by 65% in the past ten years and the expenditure on the scheme has doubled to over €1.2 billion. The scheme is demand led and it is also likely that many people who are currently outside the means threshold may not have previously applied for the carer’s allowance. On that basis, it is difficult to estimate potential inflow from this measure. I assure Deputy O’Reilly and other Deputies that the number of payments being made under the scheme is not budget capped. We are looking at a range of figures, including census figures and other declarations as to who is a carer, to monitor the potential inflow into the scheme. We will consistently publish data on take-up in quarterly statistical releases. As in previous years, when there has been an increase to the disregard, if people are on a reduced rate of carer's allowance due to their means, they are due an increase in their weekly payment. Their rate of payment will be automatically increased. The change of the disregard will come into effect in July 2026. This gives my Department ample time to raise awareness of the changes and give the kind of detail ahead of the changes the Deputy is looking for.
Sentiment score: 0.11
I cannot give the Deputy that breakdown immediately but I will try to get it to her. I think she is just looking for a breakdown. It is hard to know because many people, who are not currently in receipt of carer’s allowance and never submitted an application because they did not qualify, will now apply. As I said, expanding the threshold to include couples with an income of €104,000 means there will be a lot of people, who never engaged with my Department before, engaging with it for the first time. We will give the Deputy an estimate of the number we expect to come from that. We will also be able to give the Deputy an estimate towards the end of this year as to how many extra people have come in as a consequence of the changes introduced in July 2025. It is difficult to estimate potential inflow with precision, but we will give the Deputy the figures based on the changes to date. I will try to give the Deputy as much information as I can regarding that figure. I am not fully sure where she is getting that figure of 53,000. I did not hear it.
Sentiment score: -0.05
I will engage with the Deputy in that regard. I want to abolish the means test over the course of this Government and during my time in this Department. I am also focused on those existing payments and ensuring those who are existing carers are properly rewarded for their extraordinary work. I am trying to reach a balance. If I have four years in this Department, I will abolish it, but I am also trying to work with the carers’ organisation on those existing carers.
Sentiment score: 0.25
This is not just words and ambition. There was a 60% increase in the budget for the carer’s allowance income disregard. That has never been seen before. That means that households with an income of €110,000, and up to €138,000, become eligible for a social protection payment. That is actually happening. It will happen from 1 July next year. That is real and I want to continue with those kinds of levels of increases. As I said, I also have an eye to existing carers. I wish to ensure they are properly regarded. That is why we work closely with the carers’ organisation in relation to this and other issues. That is why we have a carer’s forum every year well in advance of the budget process. First, it helps alert people to the fact these changes have happened because we want to ensure people have the information. Second, it allows us to work with the carers’ organisations in a partnership way as to how we get this done. An increase of 60%, combined with the fact that people with an income of €138,000 are now eligible for a payment under the Department of Social Protection, shows my seriousness and intent. It is not just ambition; this is actually happening.
Sentiment score: 0.14
I thank the Deputy. I take this opportunity to wish him well. I look forward to working with him. This is his first time attending parliamentary questions as his party's spokesperson for social protection. We will introduce automatic enrolment, My Future Fund, from 1 January 2026. The aim is to address the pension coverage gap that exists in our country and to provide workers with greater comfort and security regarding their retirement income. There will be two separate fee elements. First, there will be an administration fee, which will cover the collection of contributions, the allocation to the investment plans and the provision of account management services. Second, there will be a separate fee for investment management services. The administration fees associated with automatic enrolment are under active consideration as we speak and will be finalised following consultation with the new chief executive of the National Auto-Enrolment Retirement Savings Authority, NAERSA, and the Minister for Public Expenditure, Infrastructure, Public Service Reform and Digitalisation. I have written to the Minister this week in relation to this issue. As previously announced, the administration fee will take the form of a flat weekly fee rather than a commission based on a percentage of funds under management. In this way, the administration fee will reflect the actual costs of administration, which do not vary with fund size. They will be the same for all participants regardless of their income or the size of their retirement fund and will, ultimately, provide much better value for money for the participant over the course of a standard retirement planning horizon. In addition to administration fees, there will be some fees for investment management services. These services have been procured through a competitive procurement process conducted under EU rules. That tendering process required fees to be less than 0.1% of assets under management. In this regard, I can confirm that the prices attached to the bids were significantly below the maximum ceiling and represent very good value for participants. I am committed to ensuring that the fees in My Future Fund are kept low and that they are transparent, accessible and understandable, especially as the prospective participants in the system will be lower- and medium-income earners.
Sentiment score: 0.22
Ireland is the last country in the OECD to introduce auto-enrolment. This is not a good thing. The only good thing about it is we can learn from other products and countries and look at what we need to change here to make sure we do not end up with their problems. We have looked closely at NEST, given its proximity to us. We will observe it and ensure, through NAERSA, which will be independent of the Department and the Minister of the day, that it keeps us relevant. Most importantly, it is necessary to ensure it is as efficient and as accessible as possible. It is not the State's money but each individual’s money. It is money belonging to each of the 750,000 people who are a part of this scheme. They will have access to information through the My Future Fund app online to see where their money is going and its investment. They will also have the choice to make whatever investment suits their stage in life, be that high-risk, medium-risk or low-risk investment. Through all that, we will ensure the fees associated with this are understood and transparent. Many people do not have that accessibility or availability in existing pension arrangements.
Sentiment score: 0.13
That is exactly why we have established the structure of NAERSA, which is independent of the Department, with a very successful and experienced team of staff that we are building up now. It has an independent board that represents the interests of workers, employers and the public. Those kinds of operational decisions will be made by NAERSA. In relation to people exiting the scheme, it will be some years before that happens. NAERSA will take full operational control of the scheme and be able to provide that level of information. My focus now is getting it up and running. It is about trying to get an understanding that this is happening and this is why we have information resources available on gov.ie/autoenrolment. I share the Deputy’s concerns and I will be discussing these with NAERSA, including around digital literacy and ensuring that people who do have digital challenges and do not have that access to digital will be able access their information. This is something I try to do right across the Department. The establishment of an independent authority separate from the Government is in the best interests of those 750,000 people to make the best possible return for their future. I am confident it will make those decisions in the best interest of the citizens.
Sentiment score: 0.29
I thank the Deputy. As he said, the programme for Government commits to introducing a permanent annual cost-of-disability support payment. We will introduce and incrementally increase this payment. These commitments will be advanced over the lifetime of the Government, having regard to the policy and budgetary context. In budget 2026, I provided for a €1.15 billion package of new social protection measures. We were clear from early this year that there would be no one-off measures in this budget. Not everything, however, in terms of our programme for Government commitments will be done in the first budget. The budget package contained significant targeted measures to support disabled people. These measures include: a €10 increase in the weekly rates of payment, bringing the personal rates of payment to €254 per week from January; a Christmas bonus double payment to all persons getting a long-term disability payment, to be paid in December 2025; a €20 increase in the rate of domiciliary care allowance, bringing the rate to €380 per month; and a €5 increase in the fuel allowance, bringing it to €38 per week. Those moving from disability allowance or the blind pension to take up work will now be able to retain their fuel allowance payment for five years. The back to work family dividend is also being extended to this group, where they have children. From January, we are extending the wage subsidy scheme to people who acquire a disability while in employment and increasing the rates paid from April. As I said, we are increasing the earnings disregard for carer’s allowance by record levels. Across the disability allowance, invalidity pension, blind pension and domiciliary care allowance, over €250 million in additional funding has been made available when comparing the Revised Estimates for these schemes between 2025 and 2026. In addition, the recently published National Human Rights Strategy for Disabled People 2025-2030 takes a whole-of-government approach and includes a commitment to establish a strategic focus network on the cost of disability, led by my Department. My officials have already held meetings with a number of organisations to discuss the possible structure and content of this network. I will be meeting those organisations during December and I have asked my officials to ensure that I will have a proposal to bring to Government next year in relation to the cost of disability payment ahead of the budget process.
Sentiment score: 0.20
What we have already done and what we are going to do over the course of Government is turn those one-off payments into permanent supports in a way that people can plan on a year-to-year basis. This year, as I have said, as a result of the weekly increase in the rate of payment relating to the domiciliary care allowance and the fuel allowance and other changes, there will be an extra €250 million going into permanent supports that will not have to be reviewed every year. That will continue in the next series of budgets. That is why I have started the work on what a permanent cost-of-disability payment will look like. I want it to be annual and incremental, but I am not going to impose a model without consulting with the various disability groups. I look forward to consulting with the Oireachtas committees on social protection and disability matters as to what that might look like, who should qualify for it and how it should be paid. That is a commitment we have under the national human rights strategy for disabled people, which was published on 3 December last. I have begun the work already in relation to the strategic focus network. In December, we will begin the work to engage on what the payment will look like. We are very focused on introducing that payment. It will be a key priority as we come into the next budget sequence.
Sentiment score: 0.33
That is happening. As I said, from next year, €4 million per week extra will be going into permanent payments in various support and payment schemes for those with disabilities. The means test for the disability allowance has one of the highest capital disregards. A recipient can have up to €50,000 in savings and still receive the full rate of payment. During the debate on the social protection Bill yesterday, the Deputy's colleague Deputy Boyd Barrett mentioned a cliff edge in this area. That is something I want to work with the Deputies on separately in the context of the annual cost-of-disability payment. I am also trying to work with various groups with regard to encouraging businesses with regard to employing people with disabilities. That is why there will be €250 million extra next year, or €4 million per week. These are permanent payments. They will not have to be renewed every year. Next year, I look forward to expanding those, expanding the eligibility criteria and, most importantly, working on an agreed model, as far as we can, of what a cost-of-disability payment may or may not look like.
Sentiment score: 0.09
Gabhaim buíochas leis an Teachta. Is tuairim shuimiúil é sin agus b’fhéidir go mbeimis in ann é a phlé. That is certainly an interesting idea. I commend the Ceann Comhairle's predecessor, Deputy Seán Ó Fearghaíl, who did a huge amount of work to introduce people with disabilities into employment roles within the Oireachtas. On the question the Deputy asked, the Government recognises the challenges faced by disabled people and family carers and is committed to supporting them. For example, with regard to carer’s allowance, the programme for Government contains a commitment to increasing the disregard with a view to phasing out the means test over the lifetime of this Government. As I discussed with Deputy O'Reilly earlier, that process is well under way. In budget 2026, I announced further improvements to the carer’s allowance means test that will be introduced next July. For carers who work, the weekly income disregard will increase by 60%, from €625 to €1,000, for a single person and from €1,250 to €2,000 for carers who are part of a couple. This means a carer in a two-adult household with an income of approximately €110,000 will still retain their full carer’s payment. Even with an income of €138,000, they would retain a partial payment. Those changes have been generally acknowledged as very positive. As we just discussed with Deputy Murphy, the targeted measures to support disabled people include a €10 increase in weekly rates, the Christmas bonus and a €20 increase in the monthly rate of the domiciliary care allowance. Across the disability allowance, invalidity pension, blind pension and domiciliary care allowance, over €250 million in additional funding has been made available when you compare the Revised Estimates for these schemes between 2025 and 2026. Sin €4 mhilliúin gach seachtain don chéad bhliain eile. The Department’s disability-related schemes and employment supports are structured to support recipients to pursue employment opportunities. I will come back to discussing that in the next round.
Sentiment score: 0.23
We are very focused on that. As stated, there will be €4 million per week extra in payments and supports to the various schemes for people with disabilities. As discussed with Deputy Murphy, we are beginning the work on introducing a permanent cost-of-disability payment, as committed to in the programme for Government and I have begun the consultation process on doing that. I have asked my officials to ensure we have that process completed with a proposal ready for the Government well in advance of next year's budget. In relation to the issues the Deputy raised regarding the person he mentioned, I have started the work. For instance, in this budget, we have brought in a change whereby somebody who is moving from disability allowance or a blind pension who wants to take up work will be allowed to keep their fuel allowance for up to five years after they enter employment. I have asked my Department to ensure that for somebody who moves into a work situation from disability allowance and, for whatever reason, it does not work out, there should be no time lag in getting them back on their payment. I am really anxious that people can take the leap and, though for lots of reasons it does not work out, they know they have the security of accessing that payment quickly and they do not have to go through the forms again. We will be formalising that approach as well.
Sentiment score: 0.16
Our focus in this year's budget was on the fuel allowance, in terms of energy support, and on making permanent changes to it and extending it to people on the working family payment. There are 55,000 families on that payment. We have also made changes in order that those on disability allowance who move from that to work will keep their fuel allowance for five years. That addresses some of the cliff-edge concerns to which the Deputy referred. I will certainly discuss Deputy Heneghan's proposals around EnergyCloud and energy costs with the Minister, Deputy O'Brien. The exact costs he referred to are going to be the focus of how we ensure the cost-of-disability payment will be permanent. It also has to be relevant in the context of the costs people incur as a consequence of their disability in order to ensure they will have the support they need. I want to make sure we get it right and that we get some sort of agreement around what it might look like in terms of the level of the payment, but also who should be eligible for it. There is a lot of work to be done, and I am very focused on getting it done in advance of next year's budget.
Sentiment score: 0.35