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The journal of the Retired Teachers’ Association of Ireland Issue No. 27 Autumn/Winter 2019 Mícheál Garvey, recently retired from Donabate Portrane Educate Together NS, working with students at PEPY Empowering Youth, Siem Reap, Cambodia. Reviewing Health Insurance Cover Pension Update
Editorial comment Shop around for Health Insurance 3rd pension increase for those recently retired Dear Members, Public Sector Pension Reduction, will finally see the end of Welcome to the Autumn/Winter edition of Comhnasc. this deduction next January aer 9 years of deductions. The ever-increasing cost of Private Health Insurance The RTAI through the Alliance of Retired Public is a key concern for all consumers but particularly for Servants, maintain a continuous engagement with retired people on fixed incomes. With several providers politicians across all political parties and groups on and hundreds of plans to choose from, selecting the pension matters. This advocacy will increase in intensity right product can be daunting. To help you navigate and scope as the next General Election approaches. We these choices we have asked health insurance intend to use the opportunity to advance expert Mr. Dermot Goode to contribute a our demand for the formal involvement of feature article for this edition. the Alliance in negotiations on future public This article has a key message: treat health service agreements. insurance like motor and home insurance and In the last edition we invited RTAI shop around! This of course is easier said than members to submit articles for inclusion in done and the article highlights the key issues this edition. I hope you will enjoy the to evaluate and the pitfalls to avoid. For some selection we have chosen on this occasion. members, doing their own research in this If you are contemplating submitting an article, complex area will be too difficult. In this case guidelines for contributors are available from review your cover with help from a family member or info@rtaireland.ie friend or seek professional advice from a qualified advisor. Finally, it is always a pleasure at this time of year to The regular update on pension matters is also carried welcome new members to the Association. We value your in this edition. In summary, there is good news for membership and we hope that your participation in the members who have retired since 1 March 2012 as a 1.75% RTAI will be of equal benefit to you over the years to come. increase to the teachers’ scale on 1 Sept 2019, also applies We wish you all health and happiness in retirement. to the pensions of this cohort. However, colleagues who retired prior to 1 March 2012 – who have seen no increase With best wishes, in their gross pension in over a decade – will have to wait for at least another year before they see any increase. The relatively small number of members still paying the Comhnasc General Editor: Correspondence to: Comhnasc is published by the responsibility will be taken by the Billy Sheehan. The Editor, Comhnasc, R.T.A.I., Retired Teachers’ Association of R.T.A.I. for any error which might Vere Foster House, Ireland and distributed to occur. Advertising: Siobhán Desmond. 35 Parnell Square, Dublin 1, members and interested parties. DO1 ET35. Comhnasc is the most widely Except where the Retired Design: David Cooke circulated magazine for Retired Teachers’ Association of Ireland Telephone: 01–2454130. Teachers in Ireland. has formally negotiated Photographs: Tommy Clancy Fax: 01–8749117. agreements as part of its services Email: The views expressed in this to members, inclusion of an Printing: Mullen Print. info@rtaireland.ie journal are those of the individual advertisement does not imply any authors and are not necessarily form of recommendation. While Website: www.rtaireland.ie endorsed by the R.T.A.I. While every effort is made to ensure the Office Hours: 9.00am – 4.30pm every care has been taken to reliability of advertisers, the Monday – Friday ensure that the information R.T.A.I. cannot accept liability contained in this publication is for the quality of goods and up to date and correct, no services offered. Autumn/Winter 3
RTAI notes Budget 2020 Universal Social Charge (USC) Main tax credits No changes to the rates of USC were announced in Budget The Home Carer’s Tax Credit has increased by €100 to 2020. Accordingly, the rates remain as follows: €1,600. USC Rates 2020 There has been no change in the main personal tax First €12,012 0.5% credits which remain as follows: Next €7,862 2% Next €50,170 4.5% Single Person €1,650 Balance 8% Married/Civil Partner €3,300 PAYE tax credit €1,650 • Incomes of €13,000 or less are exempt. Once income is over this Age Credit (from age 65) limit the relevant rate of USC is applied on all income. Single , widowed, surviving civil partner €245 • Medical card holders whose aggregate income does not exceed Married , civil partner €490 €60,000 and individuals aged 70 and over whose aggregate income does not exceed €60,000 pay a maximum USC rate of 2%. Other Budget Measures • The Group A tax-free threshold, which applies primarily Income Tax to gis and inheritances from parents to children, is Tax Rates and Tax Bands are also unchanged for 2020. increased from €320,000 to €335,000 from 9 October Tax Rates & Bands 2020 2019 Single, widowed, surviving civil partner*: €35,300 @ 20% • Medical Cards for over 70s: The income threshold to *without qualifying children balance @ 40% increase by €50 to €550 per week for a single person Married or civil partnership (1 income) €44,300 @ 20% and by €150 to €1,050 for a couple from September balance @ 40% 2020. (Assessment based on gross income.) Married or civil partner (2 incomes) €44,300 @ 20% with • The weekly rate of the living alone allowance will increase of €26,300 increase by €5 to €14 from 6 January 2020 max** balance @ 40% • The prescription charge for medical card holders will be reduced by 50 cent per item from July 2020. This will ** or to the amount of income of the spouse /civil partner with the bring the charge to €1.50 per item for people under age lower income. 70 and to €I per item for those over age 70 Exemption Limits: The exemption limits for persons aged • The monthly threshold for the Drugs Payment Scheme 65 years and over remain unchanged: €18,000 will be reduced by €10 from €124 to €114 in 2020 (Single/widowed/surviving civil partner) and €36,000 • The number of home care hours provided in 2020 will (Married/civil partner.) increase by 1 million Increase in substitute daily rate of payment An increase of 1.75% to the teachers’ salary scale from 1 Daily Rate: €170.55 Holiday Pay: €21.08* Total: €191.63 September 2019 has resulted in a revised casual daily rate (*Holiday pay is paid retrospectively at Christmas, Easter of payment for substitute teachers. Retired teachers and Summer vacation) working as substitutes are regarded as ‘new entrants’ and Details of changes to the teachers’ salary scale from 1 therefore the lower rate applies: September ’19 are carried in DES Circular 41/2019. 4 RTAI Comhnasc
RTAI Bursaries 2020 To support and encourage life-long learning the RTAI insti- level. This is a broad category designed to support the tuted an annual Bursary Scheme for members in 2013. wide range of pursuits and interests of our members. Applications are now invited from members of the The nature of a bursary is to assist with the financial Association who wish to be considered for one of our costs involved in undertaking the course and in this 2020 bursaries. Bursaries will be context, applicants will have to show awarded in two categories: evidence of how much they spent on course costs. Category 1 Undergraduate/Post The winners of the bursaries in this Graduate Studies category will be selected by lottery. Three bursaries of €1,500 will be awarded to members of the Application form Association who are enrolled in the To request an application form 2019/2020 academic year as please contact info@rtaireland.ie students in a degree programme, in a Completed application forms and College or University recognised as supporting documentation should an awarding body for such degrees. be returned to the General Secretary, Proof of registration as students RTAI, 35 Parnell Square, Dublin 1 by 31 and the payment of college fees will January 2020. be required. An external assessor will select the Note 1: If all bursaries in a category winner(s) in this category. are not awarded the funding in the Cork branch secretary Marian other category may be correspond- O’Callaghan makes a presentation ingly increased. Category 2 Other courses of study to 2019 RTAI Bursary winner Note 2: Only retired teachers who are Six bursaries of up to €500 each will Michael Duggan, a PhD. student members of the RTAI will be eligible be awarded to members of the in St. Pat’s/DCU for consideration. In addition, if over- Association, who in the course of subscribed, preference will be given 2019/2020 are engaged in a course of learning, though to members who have not previously received an RTAI not pursuing a formal academic qualification to degree bursary. General Data Protection Regulation (GDPR) The RTAI has signed a formal Data • Why we need it Sharing Agreement with the DES and • Where we get it reference to this agreement has been • How we use it added to our Data Privacy Notice. • Who has access to it The data sharing agreement covers • Who we share it with the transfer of personal data between The Data Privacy Policy also sets the RTAI and DES and specifically out a member’s rights and explains enables the DES to make the agreed how these rights can be exercised. subscription deductions from the To read our privacy policy go to pensions of RTAI members as advised out inter alia: www.rtaireland.ie and select Data by the RTAI to the DES. • What personal information we Privacy Policy at the bottom of the The RTAI Data Privacy Policy sets collect home screen. Autumn/Winter 5
RTAI notes End of PSPR on 1/1/’20 Phase 5 of pension restoration Nine years aer it was first introduced on the amount of pension over €12k. back of this deduction next January, on 1 January 2011 the Public Service The rate of deduction increased on 1 there are some public sector retirees Pension Reduction (PSPR) will no July 2013. However, following inten- with pensions of over €54k who will longer feature on teachers’ pension sive lobbying by groups representing continue to pay PSPR. The Minister slips from 1 Jan next. retired public service employees for Public Service and Reform is From January of this year PSPR including the RTAI, agreement was required to make an order by 31 only applies to a relatively small reached to reverse PSPR over several December 2020 which provides for a number of retired teachers, namely years. The approach adopted was to date by which any remaining PSPR those who retired prior to 1 March increase the exemption threshold impact will cease to apply. 2012 and whose pensions are over each January, starting in 2016. This [*Some teachers on lower pension €39k. Teachers in this cohort has restored up to €2,760 per annum may not have been subject to the full continue to pay a levy of 12% on the to those affected*: €400 in 2016, impact of the pension reduction. amount of annual pension greater €500 in 2017, €780 in 2018 and Where that occurs, the amount than €39k. €1,080 in 2019. restored will be capped at what was However, a 5th phase of pension While teachers will finally see the lost]. restoration is set to commence on 1 Jan 2020. This will see the exemption Retired prior to 1 March 2012, pensions over €34,132 threshold raised to €54k i.e. the 12% [pensions under €34,132 exempt since 1 Jan 2018] levy will apply to the amount of annual pension greater than €54k. As 2018 2019 2020 no retired teacher has a pension of Up to €30k exempt Up to €39k exempt Up to €54k exempt that amount this brings to an end €30k to 60k 12% €39k to €60k 12% €54k to €60k 12% what was effectively an additional tax on retired public servants. Retired since 1 March 2012 PSPR was originally introduced by Since 1 Jan 2018 PSPR only applies to pensions over €60k. emergency legislation and was levied Graduates of Graduates of St. St. Patrick’s College Patrick’s College, 1968 – 1970 In-service B Ed 1993–95 With a view to holding a 50th Year re-union in 2020 we Twenty-five years ago the last group of B Ed in-service stu- are requesting all 1970 graduates to send us their dent graduated from St. Patrick’s Drumcondra. To mark the contact details as soon as possible. Please forward: occasion a class reunion will take place on Sat 23 May Name, mobile number and e-mail address to: 2020, commencing at 12 noon in the Teachers’ Club, 36 michaelgriffin26@gmail.com Parnell Square, Dublin 1. If you wish to attend, please jimmykells@gmail.com email one of the following by 8 December next: michaeljacintamartin@hotmail.com Alice Bermingham: alicebermingham@yahoo.com Pat Coffey: patcoffey45@gmail.com Michael McNamara: mmmcnamara@hotmail.com 6 RTAI Comhnasc
Increase in pensions of post March 2012 retirees 3rd parity increase paid last September The third increase arising from the retired prior to 1 March 2012 are with the fourth PSSA increase on 1 terms of the Public Service Stability linked to a higher scale that no longer October 2020. At that point some Agreement (PSSA 2018 – 2020) saw exists and no immediate benefit will modest increases will apply to some the teachers’ salary scale increase by accrue for pre-March 2012 retirees. pre-March 2012 retirees. However, it 1.75% on 1 September last. The 1.75% Though their pensions are slightly will take a further follow on agree- was applied to the salary scale only higher, it remains the case that the ment before full alignment is achieved and not to allowances. (A 2% increase last time retirees in this cohort saw an (i.e. for those who retired before to the incremental scale and a 5% increase in their gross pension was March 2012 annual pensions over increase to allowances is due on 1 2008! That increase was the final 2.5% €35k will not increase during the life- October 2020 as the fourth and final instalment of the Towards 2016 time of the current PSSA agreement). phase of the current pay agreement.) public sector pay agreement. Note 1: The key date is 1 March The same increase (1.75% to the However, once the pensions of the 2012. Teachers’ salaries were cut on 1 salary scale element) was also post-March 2012 retirees catch up January 2010. However, teachers who applied to those retirees whose and come into alignment with those retired up to 29 Feb 2012 (a 26- pensions are linked to the current of the pre-March 2012 retirees any month ‘grace period’) retired on the teachers’ scale i.e. those teachers who further increases will apply to all. old higher scale. Teachers who retired retired since 1 March 2012. from 1 March 2012 onwards have An explanation as to why increases When will alignment be achieved? pensions based on the reduced scale are applied only to those who retired Salary increases due under PSSA and which results in lower pensions. since 1 March 2012 has been carried follow on agreements will eventually Note 2: The salary increases agreed in recent editions of Comhnasc and is restore salary scales to their previous under the PSSA are set out in the available at www.rtaireland.ie In level. Different cohorts of employees, table below. summary, teachers who retired since depending on their salary grade, will 1 March 2012 have pensions based achieve alignment at different points PSSA 2018-2020 on the current teachers’ scale. As the in time (salary scales of lower paid 1 Jan 2018 1% teachers ’pay scale increases, groups will achieve alignment earlier). 1 Oct 2018 1% pensions linked to this scale will rise. Alignment of pensions linked to 1 Sept 2019 1.75% The pensions of teachers who salaries of up to €70k will be achieved 1 Oct 2020 2% RTAI Annual Competition Convention 2020 Winners The Annual Convention of the RTAI will take place on Tuesday 3 March 2020 in the Gresham Hotel, O’Connell The winners of our competi- Street, Dublin 1. tion for a copy of Jean’s Delegates to convention will be selected at the branch Journal by Jean Farrell are: AGMs held in Nov/Dec. Motions adopted at the AGMs Ms Mary Gibbons (Mayo), must be received in Head Office by 31 December 2019. Ms Josephine Needham The dates and venues of the branch meetings will be (Tipperary) and Mr James posted under the ‘Events’ tab on the website: McHugh (Cavan). www.rtaireland.ie Autumn/Winter 7
RTAI notes Branch Secretaries’ Conference Branch secretaries Marian O’Callaghan (Cork), Mick O ‘Callaghan (Wicklow) and Margaret Keegan (Carlow) In recent years a meeting of branch secretaries has become an annual event in the RTAI calendar with the 4th such gathering taking place in the Gresham Hotel on 19 September last. The main purpose of the confer- ence is to allow branch secretaries share their experience and ideas for the develop- ment of the branch network. This year, delegates heard of the wonderful work underway in Carlow, Wicklow and Cork from their branch secre- taries Margaret Keegan, Mick O’Callaghan Le: Matt Reville, RTAI the RTAI website and outlined a new and Marian O’Callaghan, who led President 2019/2020 procedure for the regular updating of the workshop. Avove: Branch secretaries Mary each branch’s dedicated web page. RTAI Vice-President Ms Mary Kyne, Frances Cox (Westmeath) and Julie In closing the conference, RTAI chaired a session that explored the O’Connor (Kerry) with Mick Finn, President Mr Matt Reville acknowl- feasibility of extending the reach of NEC District VII and Charlotte Maye, edged that it was a significant RTAI to Northern Ireland and exam- NEC District 1 & East Donegal achievement to have a representative ined how the Association could reach branch secretary of each of the 32 branches in atten- out to members who are no longer in dance and he warmly thanked the a position to attend our meetings or Mr Mick Mangan demonstrated secretaries for their voluntary work on social activities. some recent added functionality to behalf of their colleagues. 8 RTAI Comhnasc
Teachers at the Helm Two retired primary teachers and RTAI members are at John will be the last President of the GUI in 2020 as the helm of the Golfing Union of Ireland. from 2021 the GUI and the Ladies Golf Union (ILGU) will Mr Jim McGovern from Mayo is the first primary become Golf Ireland. teacher to hold the position of President and the he will be succeeded next year by President-Elect Mr John Ferriter. As John humorously says: “It’s like waiting for a bus, you wait patiently and patiently for the bus to come and then two come together. Likewise, with primary teachers serving as GUI Presidents!” Jim began his teaching career in Dublin and subse- quently succeeded his mother as principal of Keelogues NS, Castlebar. He became the 71st President of the union aer years of voluntary service to the game. Formerly the honorary secretary of Castlebar Golf Club Jim was elected to the Connacht Provincial Council in 2004. A native of Annascaul, Co. Kerry, John spent his teach- ing career in Dublin. John too has given decades of voluntary service to golf and was honorary secretary of Castlewarden Golf Club for six years. He was elected to GUI President-Elect Mr John Ferriter with 2019 the Leinster Branch in 1998. President Mr Jim McGovern RTAI Website Check the website for pension news events there are a number of subheadings: Developments in relation to pensions and related matters Branch meetings: This is a list by date order of the next are reported in every edition of Comhnasc. In the interval branch meeting for each of our 32 branches and is an between publications, any significant developments or alternative way of locating details of your next meeting. breaking news – such as announcements on Outings and Tours: Occasionally Budget Day – are posted on our website at branches travelling abroad or hosting a www.rtaireland.ie local event such as a golf outing have spare capacity and would welcome the When is your next branch meeting? participation of members from other Branch secretaries send their members branches. The ‘outings and tours’ head- notice of the twice-yearly branch meetings, ing provides a location for branches to usually through the post but increasingly invite participants from other branches. where preferred by email/text. Details can At the time of writing the only activity advertised is a Laois also be found on the website. Each branch has its own Branch Golf Outing, however we hope that over time that dedicated page where details of the next meeting and this location will become well populated with interesting other events and outings can be found. You can read opportunities. notices for your own branch by going to the homepage and selecting ‘Branches’ from the tool bar at the top of the Reunions: This is a listing of upcoming reunions that have page or by clicking on a prominent red button labelled been notified to us. ‘Branches’ in the centre of the home page. Our practise is also to add a notice for a few days, to the Some added functionality homepage of the website to signal that a new There is also an ‘Events’ button on the tool bar. Under outing/reunion has been added. Autumn/Winter 9
RTAI notes Máire Clarke RIP Carrigart, Co. Donegal Members of the RTAI were deeply saddened to learn of and dedication to the affairs of RTAI. the passing of our friend and colleague Máire Máire graduated from Carysfort in 1960 Clarke, last July, following an illness. and began her teaching career in Máire represented counties Donegal, Gortnabrade, Carrigart, Co.Donegal. Later she Leitrim, Monaghan, Cavan and Louth on the taught in Dublin, Wicklow and in Melbourne, National Executive Committee (NEC) for Australia. She subsequently worked in her many years until her term concluded at home parish of Mevagh, Co. Donegal from Annual Convention 2017. She served as RTAI 1975 until her retirement from teaching in President in 2014/2015. 2002. Máire was a valued member of the NEC We offer our deepest sympathy to her and an inspiring leader who gave her time and daughter Ruth, her sons Bailey, Feilim and energy for the benefit of others. She had a Barney, her grandchildren and all her family great sense of style combined with a genuine and friends. interest in people. She was willing to listen to the concerns A donation has been made to the Autism Centre, St. of others and respond to their needs with sincerity and Patrick’s NS, Lurgybrack, in Maire’s memory. kindness. During her year as RTAI President she enjoyed Beidh Máire i ndíl chuimhne Cumann Múinteoirí Scortha the respect and support of members throughout the na hÉireann. Go gcoinneoidh Dia i mboise a láimhe í go country who admired and appreciated her commitment brách. RTAI Solidarity Fund A meeting of the RTAI Solidarity Committee took place in July last to consider the applications received on foot of a notice in the Spring Comhnasc. The committee recommended the payment of the grants totalling €16k to the following organisations: • Vincentian Lay Missionaries, Ethiopia. c/o Ms Margaret Farrell (Dublin North) • Pallotine Fathers, Mercedes, Argentina. c/o Ms Margaret Patricia Sweeney (Limerick) • Daughters of Charity Mission Fund, Addis Ababa. c/o Ms Kay Sheerin (Dublin South) Mícheál Garvey at PEPY Empowering Youth, Siem Reap, Cambodia. • Maintain Hope, Ngong, Kenya. c/o Mr Gerry O’ Donoghue (Kildare) Mr Denis O’Reilly (Kilkenny) projects that benefit children of pre- • Gambia Ireland Volunteers in The RTAI Solidarity Fund disburses school and primary school age. Education (GIVE). c/o Mr Mícheál Ó approximately €20k of grants annu- The assessment criteria and an Gríofa (Dublin South) ally as €2 per member is allocated to application form are available from • Kilkenny Dyslexia Workshop. c/o the fund. The fund concentrates on info@rtaireland.ie 10 RTAI Comhnasc
Private Health Insurance Turbulent Times Ahead! By Dermot Goode , Total Health Cover Aer a period of relative stability in the health insurance surgeries and once you switch to an equivalent plan cover- market, rate increases are back with us again. All three ing the same public and private hospitals, the new insurer health insurers increased their rates between June – must pay your claim in accordance with the policy terms August by averages ranging from 3% – 6% and Laya and conditions. You will also never be penalised for making Healthcare and Irish Life Health have now announced claims no matter which insurer you opt for and likewise further increases of 1 – 1.7% from 1st November. Not there are no rewards or incentives for not claiming which is surprisingly, increased claims, particularly from the private the essence of our community rating model. Therefore, if hospital sector is what’s driving this in addi- you find an alternative plan that matches tion to general medical inflation. So whilst your exact cover requirements and budget, we all want full cover especially for the latest you should switch just as you would with a medical technologies and cancer drugs, this motor or home insurance policy. comes with a price tag. We are now advising The next point to note relates to ‘corpo- all consumers to budget for increases of up rate’ plans which are available from all to 5% minimum over the next year and if insurers. Too many consumers believe they you’re still insured on the most dated plans are not entitled to join these plans which is such as the VHI Health Plus Extra, Irish Life simply not the case. Every plan on the Health Level 2 Hospital plan or the Laya market is available to all consumers irre- Essential Plus Excess schemes, the cumula- spective of the plan name or its target tive year-on-year increase could well exceed market. A ‘corporate plan’ is a generic term this average figure. to describe products which cover all public Those who are still on the most dated and private hospitals, and which also plans stand to be worst affected by any rate Dermot Goode, include guaranteed refunds on out-patient increase as these are already the most expen- Total Health Cover expenses such as GP, Consultant fees, sive schemes on the market. If you are on Physiotherapy etc. with no excess to pay the same plan for three years or more; if you have never first. They also include cover for major cardiac surgeries in considered taking on a small excess or moving to a corpo- the likes of Blackrock Clinic and Mater Private Dublin. rate plan; if you are paying more than €1,800 per adult or if Given their target market, the pricing on these plans tends you are paying the full adult rate for a dependent aged 18- to be very competitive hence their attraction. However, 20, then you’re likely to be over-paying and missing out on most of these plans carry excesses on private hospital valuable savings. Too many consumers ‘auto-renew’ their admissions and some have shortfalls on certain listed cover at renewal which means it just rolls over for another orthopaedic and ophthalmic procedures so expert advice year. There are many reasons for this including fear of may be required prior to switching to ensure that they change, inertia, confusion with so many products to match your cover requirements. Some of the best ‘semi- choose from etc. However, with rate hikes on the way, private’ corporate plans now on the market include the many consumers will have no option but to start shop- Irish Life Health 4D Health 2 at €1,263, the Laya Simply ping around to try and keep their premium at an Connect Plus at €1,286 or the VHI PMI 3513 plan at €1,245 affordable level. per adult. The first point to note regarding health insurance is that Also, please note that there is no issue ‘splitting’ your the legislation is very protective of consumers considering cover, i.e. you don’t have to have everyone on the policy on switching. For example, you get full credit for previous the same plan. Where there is more than one adult on the membership so you will not have to re-serve waiting peri- policy, each person should consider their personal health ods or pay age loadings. There will be no exclusions for cover preferences and select a plan to match same and in existing medical conditions or restrictions on pending many cases, you could have each adult on a different plan Autumn/Winter 11
but all still under the one policy. aer you change plan, the new benefit will come into Increased competition in the Irish market has led to an effect immediately assuming that all other waiting periods increase in the number of plans to choose from. Whilst have been served. Remember that you have right up to this has led to increased confusion, it does mean that your renewal date to change plan and you also have the there are plans now available to suit all requirements and 14-day cooling-off period aer the renewal date during budgets. For any consumers who are confused by all the which you can still amend or even cancel the cover if you options and worried about making the wrong choice, we wish. Also, if you decide to return to your previous insurer recommend that they seek expert advice and let some- from the next renewal, this is no problem at all as they one else do the ‘heavy liing’ for them. The potential must accept you back onto the plan of your choice. savings could be multiples of any fee to be paid. Many Another point to note relates to private versus semi- consumers now seek advice on investments and pensions private accommodation. Increasingly, consumers are and given that health insurance is arguably more complex, opting for private room coverage in private hospitals as we recommend a similar approach. In particular, we advise semi-private can mean anything from 2-5 beds in the consumers to be careful with health insurance compari- ward. Previously, this type of cover could cost anything son sites. These are useful as a guide only but should from €2,950 to €4,850 per adult but all insurers have a never be relied upon for recommendations as this is not selection of excellent ‘private room’ corporate plans that their purpose. To ensure that you have considered all are worth considering, e.g. Irish Life Health 4D Health 5 at implications of changing plan or provider, check every- €1,695, VHI Company Plan Extra Level 1 at €1,670 or the thing with either the insurer directly or a qualified advisor. Laya Complete Simplicity scheme at €1,745 per adult. As Increasingly now, we are seeing older members looking to stated previously, many of these corporate plans include younger family members or friends to help them review private hospital excesses and co-payments (shortfalls) on their cover and make the correct choice to suit their needs certain procedures when carried out in private hospitals, and more importantly, their pocket. so it’s important to check the specific policy details prior So when your renewal notice lands in your email or to switching to make sure the plan covers your key arrives through the letterbox, it’s time for action. Don’t requirements. Oen it is possible to upgrade a member’s leave it on the mantlepiece for someone else to review as cover and still generate significant savings on their annual you’re then likely to fall into the ‘auto-renewal’ trap. health insurance bill especially for those still insured on Contact your insurer as soon as possible and ask them for the most dated plans. the nearest lower-cost equivalent to your existing plan. Finally, a word of warning to all members. Health Tell them you’re open to taking on a small excess and that insurance is complex and irrespective of which plan you you want them to review all their corporate plans for you hold or which insurer you’re with, you must always check as well. If they recommend an alternative option, keep all treatment, procedures, scans etc. directly with the them on the phone and have them explain in detail insurer to make sure that you’re always fully covered. In exactly how it compares to your existing cover, i.e. what are fairness to the insurers, they want you to contact them to you losing or gaining versus your existing cover. Ask every check your cover as it prevents issues arising aer the question that comes to mind and have them confirm that event when a shortfall results or a claim is declined. Even the procedures, consultants, MRI scan centres etc. that are though your doctor or their secretary may confirm that all important to you are all covered by the plan. Don’t be is in order with your insurance, always double-check this confused by the Upgrade Rule which is oen not directly with the insurer as all calls are recorded and explained properly to consumers. This simply means that tagged to your policy for your protection. Simply contact if by changing your plan you end up with better overall the insurer with the procedure code (the consultant will cover, all insurers are entitled to restrict your cover to your give you this), the consultant’s name and the hospital previous plan for a further two years for any medical you’re attending, and they will then confirm your exact conditions that are present already, i.e. they will still pay cover. Even MRI scans should be checked in advance to your claim but based on your previous cover, so therefore ensure that you’re attending a scan centre that is fully you are no worse off. For any new conditions that arise covered by your policy. All prices quoted are net of tax relief at source Total Health Cover charge a fee for all Renewal Date to info@totalhealthcover.ie and and are correct as of 1/10/’19 as per latest health insurance reviews. A 10% discount ap- please confirm that you’re a member of RTAI information available from health insurers. plies to RTAI members where a review is for the discount. However, prices and benefits are subject to deemed necessary. For further details on this PHI Consulting (Ireland) Ltd trading as change and consumers should confirm all de- service and to see whether a review will be of Total Health Cover is regulated by the Central tails directly with the insurer in question. benefit to you, simply email your Plan Name & Bank of Ireland. 12 RTAI Comhnasc
Spouses’ & Children’s (Contributory) Pension Scheme An RTAI Q and A guide Will some of my whether there is a pension transfer the regular contribution of 5% teacher’s element to her husband following her towards their own pension (and lump pension transfer death. sum) and the additional spouse’s to my husband When a teacher who is a member contribution of 1.5% of salary. It is this when I die? of Spouses’ Scheme predeceases her additional 1.5% contribution that husband, half of her pension will provides the 50% pension transfer to The answer depends on transfer to him for as long as he lives. the surviving husband. whether you paid a pension contribution to Is the position of I started teaching the Spouses’ & women teachers before 1981. What Children’s whose teaching choice did I have to (Contributory) Pension Scheme careers commenced make? (hereaer Spouses’ Scheme) while from 1 June 1981 you were teaching. This contribution onwards straightforward? When you started is compulsory for all women who teaching you were started teaching since the scheme Yes, these women had paying the regular was introduced on 1 June 1981. no choice and automat- contribution of 5% of However, women who were teaching ically became members salary for your own prior to that date had a choice as to of the Spouses’ Scheme. pension and lump sum. As you were whether to pay the additional From the outset they already teaching when the Spouses’ spouse’s contribution. The choice a paid a combined pension contribu- Scheme was extended to women in woman made in 1981 will determine tion to the DES of 6.5% of gross salary: 1981 you could have chosen to ‘opt Autumn/Winter 13
out’ of paying the additional 1.5% spouse’s contribution. deducted from the retirement lump sum). At the time, while women were strongly urged to join the Spouse’s Scheme it wasn’t compulsory. The DES If I’m in the SPOUSe’S SCHeMe included all women in the scheme except those who can some of my pension transfer explicitly expressed a preference to be excluded. This is an to my children? important point, unless a woman expressed a preference in writing to ‘opt out,’ she was included as a member of the Spouse’s Scheme. There is a limited provision for some of a But thousands of women did ‘opt out’. These women deceased teacher’s pension to transfer to continued to pay the 5% regular pension contribution but her “children”. Under the scheme a child is a did not pay the additional 1.5% spouse’s contribution. As a person up to 16 years of age or age 22 years consequence, when a woman who is not a member of the if in full time education. There is no upper Spouses’ Scheme predeceases her husband, her pension age limit for a child who is permanently incapacitated. ceases and no element of it transfers to her husband. Could I qualify for the social welfare I cannot remember what choice widow’s pension as well? I made in 1981 Yes, a spouse’s pension paid by the DES is That’s not uncommon as it is almost 40 separate from any entitlements a surviving years ago! However, if you have an old spouse may have under the social welfare payslip the two pension contributions of 5% code. and 1.5% are shown separately. You might Eligibility for the social welfare pension is also recall whether there was a deduction based on the PRSI contribution paid by the deceased for outstanding contributions to the scheme made from teacher/surviving partner during their employment. your retirement lumpsum. (Women who became Teachers have PRSI contributions deducted at either Class members of the scheme in 1981 had to make up a D or Class A (depending on when they started teaching). spouse’s contribution for the years prior to 1981 and this Both rates cover eligibility for the social welfare widow’s was done at retirement by means of a deduction from the pension. retirement lumpsum). Therefore, the spouse of a deceased teacher may qual- If you took no action in 1981 you were automatically ify for a spouse’s pension from the DES and the social included in the scheme by the DES. If you chose to ‘opt welfare widow’s pension. (Full title: Widow’s, Widower’s, out’ the DES will have your instructions on file. If you are Surviving Civil Partners (Contributory) Pension.) unsure the failsafe way to clarify the matter is to contact: DES Pension Unit, Department of Education and Skills, Did the same rules apply Cornamaddy, Athlone, Co. Westmeath. or to men? pensions@education.gov.ie If I opted out in 1981 could I The same principles apply in the case of have subsequently joined? male teachers. However, membership of the Spouse’s Scheme has been compulsory for men who entered the profession since 1 July Yes, a further option was given to women 1969. Men who were teaching at the time of teachers during the 2004/2005 school the scheme was introduced could also choose to ‘opt ear to join the scheme. Women who out’. Accordingly, in the case of a male teacher whose xercised the opportunity to join at that career commenced prior to 1 July 1969 the payment of a point were also required to pay spouse’s pension is not automatic and is determined by contributions for their previous years of service (also the decision he made at that time. Note: This article summarises the key features of the Spouse’s and Children’s (Contributory) Pension Scheme. It has been prepared by the RTAI as a general guide to the key provisions of the scheme. 14 RTAI Comhnasc
Teacht le Chéile By Benny Reid They called it simply a ‘Teacht le Chéile’ – the coming On June 5th last a little history was made when a together of some forty or so diamond jubilarian teacher triumvirate of that same graduation class succeeded in graduates of St. Patrick's College, Drumcondra. Sixty years organising a re-union of colleagues in a Dublin Hotel. The ago, upwards of one hundred and twenty young men brainchild of Liam MacMathúna, Donal O'Meara and passed through the portals of that venerable institution Dermot Toomey, the trio managed to overcome the to take up teaching positions across the still fledgling Irish constraints of modern data protection regulation by track- Republic of the fiies. Throughout their teaching lives ing down colleagues from the four corners of Ireland. they experienced unprecedented change in education Around mid-day, some forty "octo-múinteoirí" greeted and impacted generations of Irish children. each other in the spacious lobby of the Red Cow Hotel. St Pat’s Graduate class of 1959 Kneeling: Fachtna Casey, Frank Garvey, Dessie Ryan, Joe Dunphy Seated: Pat O’Halloran, Colm Mullen, Naul McCole, Donal O’Meara, Fr. Fachtna McCarthy, Dermot Toomey, Fr Philip Walsh, Liam Mac Mathúna, Benny Reid, John Noel Murphy, Sean Smyth, Beairtle Ó Conaire Standing: Gerry Carroll, Jimmy Dillane , Terry Fortune, Jim McHugh, Seamus Reynolds Mícheál Mac Tighe, Colm Lynch, Jim McMahon, Tom Garry, Ted Brophy, Padraig Flynn, Seán Geraghty, Seán Darcy, Leon Ó Broin, Andy Gallagher, Pat Sheahan, Joe Sheridan, John Davin, Tommy Johnston, Séamus Hennigan, Michael Quealy. (Finbar O’Keeffe not pictured) Autumn/Winter 15
Though many had not seen one another for sixty years and local colleagues in the Bidding Prayers of the Jubilee Mass. others for thirty-five years it was apparent from the outset Also recalled were the academic staff of St.Patrick's – that the bond which existed in Pat’s would immediately be including its then President, Dr. Donal Cregan, a visionary ignited. And indeed so it was. Once initial recognition chal- in the professional formation of teachers if ever there was lenges were overcome barriers disappeared and the one! Dr. Cregan's appointment coincided with our arrival camaraderie which was such an integral part of life in Pat’s in St. Patrick’s and even as we entered its halls, he had initi- once again became evident. Many had changed in appear- ated a process of reform and innovation that is, in fact, still ance. This writer had gone from eight stone to a much less ongoing today. Indeed, the modern Irish system of healthy figure but others looked as though they had just teacher education owes much more to Dr. Cregan than stepped out of the 1959 class photograph. Among the has, perhaps, been acknowledged to date. latter was Catechetics lecturer, Fr. Philip Walsh C.M., who June 5th 2019 then was a great occasion for the forty or concelebrated the reunion Mass with Fr. Fachtna McCarthy so 1959 graduates who were fortunate enough to have of the College's more recent staff. been able to attend the reunion. Aches and pains were le Mass was followed by a wholesome lunch aer which a behind while all embraced what was truly a “lá dár saol.” celebratory cake, customised to reflect lives dedicated to Though not all those present remained in primary educa- education, was formally cut and shared. Colleagues then tion or indeed, in teaching, all present agreed that enjoyed caint agus comhrá and exchanged reminiscences 1957-’59 were years of happy and enduring memory and of almost half a century at the cutting edge of Ireland's as others have said – during the intervening years the educational renaissance. state has been rendered some service and the travel A third of the ‘59 graduates were unable to attend for a passes have been well earned. variety of reasons ranging from prior family commit- ments, holidays, and for some, indifferent health. Then, Footnote: Following the great success of the Teacht le like Lycidas of old, something less than a third had, sadly, Chéile it was proposed that available ’59 graduates would passed away "e're their prime and hath not le a peer." informally meet for lunch in the Ashling Hotel on the first Each departed colleague was individually remembered by Wednesday of June each year. 2019 Summer & Winter Holidays for Groups Leisure Breaks, Ireland UK Coach Tours European City Breaks • Marathon Travel have over 20 years experience with RTAI groups. • You choose where to go and let us take care of the rest. • Tried & tested Itineraries with experienced guides for all destinations available • Enjoy amazing memories and experiences to last forever • Online payment system for group bookings Marathon Travel - Fully Licensed, Bonded & Insured by the Commission for Aviation Regulation. Phone : 01 4755010 (opt 4) Email : Groups@marathontravel.ie Visit : marathontravel.ie 16 RTAI Comhnasc
Swimming Lessons By Joan Perry I was six years old when my father began teaching me to happiness, without a care in the world. swim. We had lots of lessons together but to tell the truth, On the last week of our holidays that year my father I was still very frightened of the water. “With each practise decided I was ready to be launched. This meant he would you’ll improve,” my father told me. “When I come down take me out of my depth. I climbed up on his shoulders. I next weekend, you’ll be a little bit better and in another was excited and not in the least bit afraid. He began to week or two you won’t be frightened at all.” wade out. “Hold on tightly up there,” my father said. I held We were on holidays in Skerries, a beautiful fishing his head and he held my feet. The sea was choppy but the village eighteen miles to the north of Dublin City. Every tide was fully in so we were close to the beach. I could see summer my parents and their friends Anna and Michael my mother and Anna sitting on a rug with the children, Callaghan rented adjacent houses here for the month of pouring tea from a flask. “Watch me, watch me,” I shouted July. My mother and Anna stayed with us children while and they waved. My father lowered me into the water Michael and my father worked during the week and came holding my hand. I swam a few strokes and began to sink. down at weekends. We were eight children in all, four in He immediately caught me and we started again. Each my family – my sisters Patricia, Mona, Elizabeth and me. time I swam a bit further. “Now you have it,” my father said. The Callaghans had four boys – Killian, Brendan, Paddy “That’s it. Good girl.” and Sean. We were almost similar in ages. Killian was the He moved about six feet from me, told me to swim same age as Patricia and so on down to Sean and towards him and held out his hand. I thrashed about in Elizabeth who were two and a half and three years. the water. I almost reached him when I felt a terrible burn- One aernoon my father and I walked down the small ing pain in my legs and on my back. A huge mauve jellyfish beach to the water and waded in until I was up to my waist. wrapped itself round my small body. Its long trailing tenta- The day was hot so I didn’t notice how cold the water was. cles injected venom into my skin. I was so shocked I was He put his hand under my chin. We had passed the stage unable to scream. My father saw it and tried to pull the when he supported my body as well. I kicked and splashed jellyfish off me. In his panic he accidentally let go of my my feet and plucked at the water with my hands like a fish hands and I sank down into the water. For a few seconds I caught in a net. thought I was dead. “Are you ready?” my father asked. “Ready, steady, go!” I My father carried me up on to the beach. He shouted at shouted. He removed his hand from my chin and for my mother and Anna to get Michael, who was a doctor. several seconds I was swimming. It was an inelegant Now I was crying in pain. Long dark red tentacles were stroke, but I kept afloat. We repeated the process several stuck to my arms and legs. I looked as if I’d been slashed times. At each attempt I tried to increase the length of with a knife. A small crowd gathered. When they saw what time I swam independently. happened frantic parents rushed to the water to take their Our favourite house in Skerries was the one we were children to safety. staying in that year. It was called The Wigwam and was in a Inside The Wigwam my father put vinegar in a basin tiny cul-de-sac with just two other cottages. It had a small and dabbed it onto my body. When Michael arrived he front garden with a rickety wooden gate leading down to gave me an injection. Almost immediately the pain the beach. We stayed there for five years in a row in the stopped. He put on surgical gloves and began picking the fiies. I loved it. Every morning I woke to the sound of the tentacles off my skin with a pincers. There were tears in my waves on the shore and heard the seagulls screeching father’s eyes as he squeezed my hand and whispered, “I’m down at the harbour where the fishing boats were bring- sorry sweetheart.” ing in their catches. I never remember the weather of When he turned around I noticed his back, shoulders those summers long ago, although it must have been bad and arms were covered with the same dark red tentacles. sometimes. All I remember were days at the beach, swim- But he said nothing. ming, making sandcastles and eating sandwiches with Joan spent her teaching career in schools in Ballybrack, sand in them. The small kiosk at the crossroads sold deli- Loughlinstown and Glasthule in Co. Dublin. Following her cious bags of chips. In the evenings we played pongo, the retirement in 2009 she completed a Masters Degree in forerunner to bingo, in the hall. They were days filled with Creative Writing in UCD. Autumn/Winter 17
Trust your Instincts! By Pauline Moran Pauline Moran and Mícheál Ó Gríofa pictured earlier this October with Gambian early childhood teachers who have been trained by GIVE over 3 years and now facilitate workshops on classroom practice for their own teaching colleagues. (Team member Éibhlin McNamara not pictured.) Teaching is a demanding job, and not without its chal- spirit of respect and understanding. lenges. However, the day to day pattern of events in Through a workshop format, GIVE volunteer teachers classrooms is lightened by a curiosity for new experiences, work with Gambian teachers from urban and rural schools a love of people, empathy, a sense of humour and good allowing peer to peer sharing of ideas and best practice. communication skills. Life-long learning is one of the Gambian teachers attend these workshops over a period wonders of a teaching career. of three to five days. Course content is based on Gambian Not surprisingly, many teachers continue to seek out classroom textbooks in Maths, English and Integrated new experiences during retirement. Have you wondered Studies. Practical low-cost activities and strategies for about using your life experiences in a new way, about improving pupil understanding of concepts are incorpo- seeing other ways of life over a period of time? You may rated into each session. have always wanted to ‘give back’, to offer a ‘hand-up’ to GIVE volunteers also work with young adult learners in others? Trust your instincts! Volunteering on a teacher-led Skill Centres. These centres prepare young people for project in The Gambia might be of interest to you. employment and volunteers provide opportunities for I began to think about volunteering abroad in the year English language development and literacy skills. or two before retirement. On researching volunteering Partnership is central to any success we may hope to opportunities, I realised that teaching skills are much have as volunteers and several sessions on our courses sought aer. The basic principles of teaching are the are delivered by Gambian teachers. Our host, The Catholic same world-wide. Good lesson planning and preparation, Education Secretariat (CES) arranges the supervision of a sense of fun, together with an attitude of kindness, go a pupils while their teachers attend our workshops. long way to ensure a good learning environment. I trav- The Gambian teachers we meet make the whole trip elled to The Gambia with Gambia Ireland Volunteers in very special. They are a warm and welcoming people with Education (GIVE). an optimistic eye on the future development of their The Gambia is one of the smallest countries in Africa. country despite the challenges they face. Its teachers face many challenges. Enrolments at Early Please visit our website at www.giveireland.ie or email Childhood provision and at Lower Basic (Primary school) giveireland@gmail.com for further information. are very high. Rural areas are not served by a good road system and children travel great distances to school. RTAI Solidarity Fund Textbooks are in short supply and while English is the The RTAI is generous in its support of its members as language of the school it’s not the first language of the volunteers on education projects world-wide. GIVE is very home, or indeed, the teacher! grateful for the assistance of the RTAI through its Solidarity Ninety per cent of the population in this small country Fund. are Muslim, the Christian community is very small. Almost all schooling is inter-denominational. Gambia provides an Pauline taught for many years in Dublin. Since her retire- example of two major religions living side by side in the ment she has travelled to The Gambia several times. 18 RTAI Comhnasc
All will be well An afternoon with John McGahern By Pat O’Keeffe A memento is one of life’s great gis, first US edition of the same book, few occasions, the most recent having bringing back, as it does a memory of published by Alfred Knopf in 2006. been when he was conferred with an a special person, place, time, or expe- What makes my book special, is honorary doctorate by his, and my, rience. Joyous or not, we welcome that it bears an inscription on its title Alma Mater, St. Patricks College, these memories with nostalgia. The page, saying that the book is for me, Drumcondra. He had kindly invited older I become, it seems, mementoes “With affection from John me to visit his home in Foxfield, Co attach themselves to my surround- McGahern,” and dated 17th February Leitrim, where subsequently I passed ings as flying insects do to a light on a 2006, a mere six weeks before John a wonderful aernoon with him and summer’s evening. But they bring me died, thirteen years ago, on 30th his gracious wife, Madeline. He had far more pleasure now. March 2006. It is therefore, as a given me the precise directions to his One special memento is a book signed US edition almost unique, as home – sat navs were not common- with a sepia photograph of a young John told me he had received it from place then – across the Shannon at boy and his three sisters on its dust the publishers only a short time Roosky, on to Dromod, then through jacket. The boy is John McGahern, before our meeting. He explained Mohill, on to Garvagh, and on towards and the title of the book is not that the American publishers were the monument of the Soldier. From Memoir as in the first edition not happy with the single word title there, as he had written in Memoir published by Faber & Faber in 2005, Memoir, and thus the evocative title describing Leitrim, “through the and widely available in Ireland. It is All Will Be Well, was born. narrow lanes that link the lakes under named instead All Will Be Well, the John and I had met previously on a the Iron Mountains.” I arrived at last at his charming and hospitable home, where I was to spend a truly memo- Pat O’Keeffe and rable aernoon. Our convivial John McGahern conversation, as we sat in his living photographed on 8 room, ranged over many matters – Nov 2003 when John the state of the country, memories of was conferred with his student days, his personal views an Honorary on education and the importance of Doctorate, D Phil, the teacher’s role. He recounted for DCU St Patrick’s me his early days as a struggling writer Campus. when he lost his teaching post. This had followed on from the publication Turf drying, Co. Leitrim Autumn/Winter 19
of his second book The Dark, which had been banned in my leaving, both John and Madeline invited me to visit Ireland. He recounted this travesty without a trace of bitter- again. Little was I to know that my next visit to Leitrim ness or rancour. would be in a few short weeks to attend John’s funeral at Following the success of his first book The Barracks in St. Patrick’s Church, Aughawillan, and to hear his cousin Fr. 1963, he won a travelling scholarship, and he spent some Liam Kelly speak of John, who, he told us, was very aware time in Paris. He told me that while there, he received a of his impending death, and had planned the details of his letter from Samuel Beckett, whom he greatly admired, funeral meticulously. He described John as “someone inviting him to lunch, but he did not go. I told him that a who loved life, but did not fear death.” friend and I had visited Beckett’s grave on a recent visit to And then we gathered in gentle silence as they noisily Paris. It amused me when he asked a typical Irish question: shovelled the soil of Leitrim, which John had described in “Was the grave well looked aer?” and he was very grati- Memoir as being “poor, lying only a few inches deep, on fied to hear that it was indeed. It was so precious for me to top of daub, – a blue grey modelling clay” onto his place of find myself talking to one of Ireland’s most gied writers rest. He lies there now beside his beloved mother, Susan, about one of Ireland’s literary giants in as natural a manner truly in his own place, where, I have no doubt, as John as might occur between any two Irish people having a believed, All Will Be Well. friendly chat about a deceased neighbour. It is hard to believe that that most convivial of aer- Pat graduated from St. Pat’s Drumcondra in 1966. He was noons, which passed so quickly, is now thirteen years ago. principal of St. Francis Special School, Portlaoise from It is to bring back occasions such as that visit to the pres- 1973 – 2004. Pat served as a member of the Governing ent, that mementoes fulfil such a valuable purpose. On Body of St. Pat’s from 1996 – 2006. St Pat’s Class of 1969 Golden Jubilee Celebration On Friday 23 August the 1969 St accommodation blocks as in their Fearghail have been recognised at the Patrick's Class returned to the DCU St student days! 2018 and 2019 DCU Alumni awards. Patrick’s Campus for their Golden The DCU Alumni Office is support- The Alumni Office is already plan- Jubilee celebration. ing activities for the graduates of St ning for the Golden Jubilee Last August eighty six graduates Patrick’s College. In the past two years Celebration of the St Pat’s Class of celebrated their 50th anniversary in St. Pat’s graduates Enda Kenny, Pat 1970, for further details please email style and paid a fitting tribute to class- O’Keeffe, Jim Spillane and Aogán Ó alumni@dcu.ie mates who had passed away during that time. As a mark of respect to those classmates, the reunion commenced with a prayer service delivered by Fr Tony Lambe. The organising committee led by Mr Jim Kavanagh and Executive Dean Dr Anne Looney, planted a tree in their memory. The President of DCU, Prof Brian MacCraith welcomed the Class of 1969 back to campus and provided an update on the developments at DCU and the Institute of Education. The Class of 1969 enjoyed a drinks reception in the new library, taking in the stunning view from the balcony before a campus tour. Many of the attendees spent the night on Jim Kavanagh and members of the organising committee with Mary campus, residing in the same Larkin and Dr Anne Looney of DCU. 20 RTAI Comhnasc
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