What a means test is

A means test looks at financial resources when deciding whether a social assistance payment applies and what rate may be paid. The Department of Social Protection can assess income, savings, investments, property other than the home, and household circumstances.

This page gives general information only. The exact means test depends on the payment, the official rules and the Department's assessment.

Key terms

TermPlain-English meaning
MeansIncome or resources assessed under social welfare rules.
DisregardIncome or resources that are partly or fully ignored under a payment's rules.
Social assistanceA payment type that commonly uses a means test.
Social insuranceA payment type usually linked to PRSI contributions.

Which payments are means-tested?

Means tests are generally used for social assistance payments. Social insurance payments are based mainly on PRSI contributions and are generally not means-tested.

Payment typeMeans-tested?Examples
Social assistanceGenerally yesJobseeker's Allowance, Disability Allowance and State Pension Non-Contributory
Social insuranceGenerally noIllness Benefit, Maternity Benefit and State Pension Contributory

The payment's other conditions still apply. Passing a means test does not by itself guarantee entitlement.

What can be assessed?

The categories below are common, but each scheme has its own rules and disregards.

CategoryWhat this can include
Cash incomeEarnings, self-employment income, pensions, maintenance or rental income where the scheme's rules include them.
CapitalSavings, investments, shares and cash.
PropertyProperty or land other than the home you live in.
Partner's meansIncome or resources of a spouse, civil partner or cohabitant where the scheme uses a household assessment.

Your main home is normally not assessed as capital. Some income is fully ignored and some is partly ignored through a disregard. The exact exclusions depend on the payment, so a disregard used for one scheme should not be assumed to apply to another.

How savings and investments are assessed

The Department may convert capital into a notional weekly amount rather than assess the interest or investment return actually received. Under the Department's general formula for the schemes covered by its main means-assessment guidelines, capital is assessed as follows:

This is the general formula, not a universal formula for every payment.
CapitalWeekly means assessed
First €20,000Nil
Next €10,000€1 per €1,000
Next €10,000€2 per €1,000
Amount over €40,000€4 per €1,000

Important: Disability Allowance and Carer's Allowance use a separate formula under the current guidelines, with the first €50,000 disregarded. Supplementary Welfare Allowance, Working Family Payment and Rent Supplement also have separate assessment rules. Always check the specific payment.

Source: Department of Social Protection — Operational Guidelines: Means Assessment ↗

Simple examples

These examples are simplified and are not a calculator.
SituationHow the concept works
A person with savingsSavings may be assessed as capital. The exact assessment depends on the payment and official capital rules.
A person with part-time incomeEmployment income may be assessed, but some payments have earnings disregards or special rules.
A couple where one person has incomeA spouse, civil partner or cohabitant's income may be relevant for some payments.
€35,000 under the general capital formulaThe first €20,000 is ignored, the next €10,000 gives €10 weekly means, and the remaining €5,000 gives €10. Total assessed weekly means: €20. A scheme with a different formula will produce a different result.

What this means in real life

In everyday terms, a means test looks beyond a person's current wages. It can include savings, investments, property other than the main home, self-employment income and a spouse or partner's income, depending on the payment. The Department may assess some assets using set formulas rather than the actual interest or return received. It may also disregard certain income or part of earnings. This means two people with the same weekly wage can receive different decisions because their savings or household circumstances differ. A means test is not the same across every scheme, so an example for Jobseeker's Allowance cannot automatically be used for Disability Allowance or a State Pension.

Common misunderstandings

The rules differ by payment. Official payment pages and Department guidelines are the source for the exact rule.
Not necessarily. Savings may be assessed under capital rules, but the result depends on the amount, payment and household circumstances.
Examples can show the concept only. The Department decides the exact result.

Where to check officially

Eligibility and rates can depend on the payment, household circumstances and Department of Social Protection assessment. The official sources below are the places to check current rules.