Eircom Pension Unlock 2025

The Former Eircom Worker’s Guide to Unlocking Your Pension 2025.

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About Telecom Éireann and Eircom

Many former employees will remember working for Telecom Éireann, the state-owned telecommunications company established in 1984. In 1999, Telecom Éireann was privatised and rebranded as Eircom, which later became simply eir. If you worked for Telecom Éireann or Eircom before moving on or retiring, you may still have a preserved pension with the company, even if you no longer work there. Understanding this history helps you trace your pension entitlements and explore options to unlock your preserved pension benefits.

Check if you are Eligible

✅ Who Is This Guide For?

This guide is for you if:

  • You previously worked for Telecom Éireann or Eircom

  • You are now over the age of 50

  • You’ve left the company and are either retired or in another job

  • You have a preserved pension and want to explore your options

If this sounds like you, you may be eligible to unlock your pension — including access to a tax-free lump sum.

Over 50 and worked at Eircom? See how much you could unlock!

🔍 What Is a Preserved Pension?

A preserved pension is a pension you keep when you leave a job. Even if you haven’t worked at Eircom or Telecom Éireann for years, you might still have a valuable pension fund sitting there, untouched.

Thousands of former telecom workers across Ireland are unaware they can unlock these preserved benefits — often with no ongoing ties to the company.

Free Assessment here

💡 Can I Unlock My Pension at Age 50?

Yes. If you are:

  • Over 50

  • No longer working for Eir or any successor company

  • Have a preserved pension from Telecom Éireann or Eircom

You may be able to:

💶 What Is the Tax-Free Lump Sum?

  • You can usually take 25% of your pension fund tax-free

  • The remaining 75% can remain invested or accessed later

  • Example: A pension worth €80,000 may give you a €20,000 lump sum, tax-free

This can be a powerful option for those approaching retirement or looking to reduce financial pressure now.

Get your tax-free pension lump sum—book your free consultation!

🧭 How to Track Down Your Telecom Éireann / Eircom Pension

If you’ve lost track of your pension paperwork — don’t worry.

At UnlockPension.ie, we:

🚦 What Happens Next?

  1. Free Consultation – We assess your eligibility and pension value

  2. Unlock Options – We explain what you’re entitled to under Irish pension law

  3. Lump Sum Payment – We guide you through the tax-free withdrawal

  4. Next Steps – You choose how to manage the rest of your fund

Whether you want early access, a better investment vehicle, or a plan for retirement — we can help.

📞 Ready to Get Started?  091 421900

You’ve worked hard — your pension should too.

If you’re over 50 and previously worked for Telecom Éireann or Eircom, you could be entitled to unlock a portion of your pension now — tax-free.

👉 Visit UnlockPension.ie
📩 Or request a free pension review with one of our regulated advisors

Frequently Asked Questions

— Unlocking Your Pension for Former Telecom Éireann / Eircom Workers

Q1: Can I unlock my Telecom Éireann or Eircom pension early?
Absolutely! If you’re over 50 and no longer working for Telecom Éireann, Eircom, or their successors, you could be eligible to unlock your preserved pension benefits early.

Q2: What exactly is a preserved pension?
A preserved pension is simply your pension pot that stays invested even after you leave your job. It “waits” until you retire or decide to unlock it.

Q3: How much tax-free cash can I get from my Eircom pension?
Usually, you can get up to 25% of your pension fund tax-free. The rest stays invested for your future retirement needs.

Q4: I worked for Telecom Éireann before it became Eircom — does that change anything?
Nope! Your pension rights from Telecom Éireann transferred to Eircom when the company changed. Your preserved pension benefits stay just the same.

Q5: How do I check if I have a preserved pension with Eircom or Telecom Éireann?
You can reach out to your former pension provider or use services like UnlockPension.ie to help track down your pension details.

Q6: What can I do with my pension after taking the tax-free lump sum?
You can move the remaining funds into a Personal Retirement Bond (PRB), Approved Retirement Fund (ARF), or other pension options depending on what suits your goals.

Q7: Will unlocking my pension affect my state pension or other government benefits?
Usually not, but it’s best to talk to a regulated financial advisor who can look at your full financial picture.

Q8: Are there any penalties or taxes when unlocking my pension early?
No penalties if you follow the rules (like being over 50). The tax-free lump sum is exactly that — tax-free. Other withdrawals might be taxed as income.

Q9: How long does it take to unlock a pension?
After paperwork and checks, it typically takes a few weeks, but it depends on the pension provider.

Q10: Can I unlock my pension if I’m working elsewhere now?
Yes! As long as you don’t work for Telecom Éireann, Eircom, or their successors anymore, you can usually unlock your preserved pension.

🔒 Regulatory Notice

UnlockPension.ie is a service provided by Q Financial, which is regulated by the Central Bank of Ireland.

The information provided in this guide is for general informational purposes only and does not constitute personalised financial advice. Always consult a regulated financial advisor before making pension-related decisions.

Are You Eligible To Access Your Pension Early?

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