Unlock Your Pharma Pension — Book a Free Review

If you’re aged 50+ and have worked in the pharma sector, you may already qualify to access tax-free pensions from previous employers. Don’t leave your retirement savings behind!
Book your free pension review today.

Book My Free Review

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Pharma Careers = Multiple Pensions

Many pharmaceutical professionals in Ireland work across 2 to 4 employers by the time they reach their 50s. While most continue in the industry into their late 60s, many are unaware they may already qualify to access pensions from previous employers — and tax-free from age 50.

At Unlockpension.ie, we help pharma professionals unlock their older occupational pensions — even if they continue working in a different pharma role.

Check Eligibilty

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Who We Help: Pharma Professionals Across Ireland

Pharma professionals in Ireland — especially those in hubs like Cork, Dublin, Galway, Waterford, Limerick, and Sligo — typically accumulate 3–4 different pensions over their careers. If you’ve worked at any of the following major companies, you may have unused pension entitlements waiting:

• Pfizer (Cork & Dublin)

• Johnson & Johnson (Limerick, Cork, Galway)

• Boston Scientific (Galway & Clonmel)

• Abbvie (Sligo & Cork)

• Bausch + Lomb (Waterford)

• Allergan (Mayo)

• Vistakon (Limerick)

• Merit Medical (Galway)

• Alkermes (Athlone)

• Janssen (Cork)

And many more…

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Pharma Careers = Multiple Pensions

As professionals progress through their careers, they often leave pensions behind with former employers.

“Typically, specialists in pharma — such as technicians, researchers, production staff, engineers, and governance operatives — have 3 or 4 employments within the sector,” says Iain Kilbane of QFinancial.ie.
“These pensions are often left behind in previous employer schemes, where the former worker has limited control over fees, investment strategy, and performance.”

From age 50, you may be eligible to access 25% of your pension tax-free, while continuing to work in the industry.

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Can I Retire From a Previous Pharma Pension While Still Working?

Yes, you can!

If you’re over 50, you may be able to:

• Access 25% of your pension tax-free

• Transfer the balance to a Personal Retirement Bond (PRB) or

• Move it to an Approved Retirement Fund (ARF)

You don’t need to stop working to unlock pensions from past employers.

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Example: Jane, 54, Still Working — But Accessed €42,000 Tax-Free

Jane worked for three pharma companies during her 30-year career. After a review with Unlockpension.ie, we helped her access €42,000 tax-free from an old pension, while she continues working in Galway.

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What Are My Pension Options After Leaving a Pharma Employer?

When you leave an employer in Ireland, you gain “leaving service” rights. These allow you to:

• Leave the pension where it is (less flexible)

• Transfer to your new employer’s pension scheme

• Transfer to a Personal Retirement Bond (PRB)

• Access 25% tax-free from age 50 (if eligible)

At Unlockpension.ie, we help you understand your best option, based on fees, charges, risk, and tax strategy.

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Free Pension Review for Pharma Employees

Qfinancial.ie, regulated by the Central Bank of Ireland, offers a free pension advisory service via our specialist arm Unlockpension.ie. We work specifically with:

• Current and former pharma employees

• Those aged 50+ looking to access past pensions

• Anyone made redundant or who left a previous pharma role

Ready to Find Out If You Qualify?

👉 Book Your Free Pension Review