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Overall Pension Coverage

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Of persons in employment in Quarter 3 2021, two-thirds (65.7%) had pension coverage, an increase of one percentage point on the same period in 2020. Supplementary pension cover includes occupational pension provision from current and previous employments, as well as personal pension coverage, including where payments have been deferred for a while or are currently being drawn down. The State Pension is excluded for the purposes of this survey. See Table 2.1.

Show Table: Table 2.1 Pension coverage in the State for persons in employment (ILO) aged 20 to 69 years Q3 2019 - Q3 2021

Supplementary pension coverage of females increased by nearly two percentage points - 63.7% of females in employment in 2021 versus 61.9% in 2020. Pension coverage of males increased marginally, from 67.1% of males in employment in 2020 to 67.5% in 2021. See Table 2.1.

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Analysis of the data by age group shows that supplementary pension coverage increases with age. Those in employment aged between 45 and 54 years have the highest level of supplementary pension coverage – 76.7% of this age group, compared with 73.6% of persons aged 55 to 69, and just over seven in ten (70.8%) workers in the 35 to 44 years age group. There has been only a marginal difference in supplementary pension coverage for these age groups since 2020. See Table 2.1.

Pension coverage in 2021 has followed the same trend as in 2020 where pension coverage was lowest among young workers. Over one quarter (25.2%) of younger persons aged 20 to 24 years had supplementary pension coverage, compared with 24.4% in 2020. See Table 2.1.

Of those in employment who are self-employed and/or assisting relative in Quarter 3 2021, over half (54.6%) had supplementary pension coverage, compared with 55.2% in 2020. This pension cover includes occupational pension coverage from previous employment and also personal pensions (including personal pensions where payments have been deferred for a period of time and pensions currently in draw-down mode). More than two thirds (67.4%) of employees aged 20 to 69 years had supplementary pension coverage in Quarter 3 2021. See Table 2.1.

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Pension coverage increased for both full-time and part-time workers. Over seven in every ten (71%) full-time persons in employment have pension coverage, compared with just over four in ten (42.1%) part-time workers. However, pension cover for those in part-time employment has increased by two percentage points since 2020 – 42.1% compared with 40.1% in 2020. These results represent persons in employment and do not cover persons who are not in employment or may have been laid off due to the COVID-19 pandemic. See Table 2.1.

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The NACE economic sector with the highest pension coverage in Quarter 3 2021 was Public administration and defence; compulsory social security (95.4%). By comparison, just less than one fifth (19.9%) of persons working in the Accommodation and food service activities sector had pension coverage in Quarter 3 2021. See Table 2.2.

Analysis of pension coverage by broad occupational groups shows that workers whose occupation was classified as Professionals had the highest pension coverage rate (80.7%), followed by Managers, directors and senior officials (75.4%), and Associate professional and technical (73.2%). Just over four in ten (40.2%) workers whose broad occupational group was Sales and customer service, had pension coverage. See Table 2.2 and Figure 2.1.

Show Table: Table 2.2 Pension coverage for persons in employment (ILO) aged 20 to 69 years by NACE economic sector and broad occupational group Q3 2019 - Q3 2021

Managers, directors and senior officialsProfessionals Associate professional and technicalAdministrative and secretarialSkilled trades Caring, leisure and other servicesSales and customer service Process, plant and machine operativesElementary
Pension Coverage 202175.480.773.266.742.95040.253.134.8
Show Table: Table 2.3 Pension coverage in the State for persons in current employment (ILO) or had previous employment aged 20 to 69 years, Q3 2021

Go to next chapter: Type of Pension Coverage