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Case study 1: Family Income Supplement (FIS)

This is an example showing how income is assessed for Family Income Supplement in 2017

Case study

Mary has three children. Her youngest child is five years old. She is getting a One-Parent Family Payment (OFP) and was recently offered work part-time. If she takes the job, she will work three days each week and earn €300. Mary wants to take the job as all of her children are now in school but she knows her One-Parent Family Payment will be affected.

Would Mary be better off financially if she takes the job offer? She has lived in her home for 20 years and has a small mortgage. She gets a weekly maintenance payment of €80 for her mortgage costs which does not affect her One-Parent Family Payment. Her 18-year-old daughter is a student has a part-time job in a local shop.

Weekly net income from employment (See note 1) €300.00

Add Weekly net income from self-employment €0.00

Add reduced OFP (See note 2) €194.90

Add Income from occupational pensions €0.00

Add Maintenance received €80.00

Total income €574.90

The Family Income Supplement (FIS) maximum income limit for a family with three children is €713. The difference between €713 and €574.90 is €138.10. 60% of the difference (€138.10) is €82.86

Mary will get a FIS payment of €83 (rounded up) each week.

Her current income is €362.40 (€282.40 OFP payment for herself and 3 children plus €80 maintenance).

If she takes the job her total gross income including FIS will be €657.90 (€194.90 OFP plus €83 FIS plus €300 income from work plus €80 from maintenance).

Note 1

Mary’s net income from employment is assessed for FIS, however her daughter’s income is not assessed because she is under 22 years of age and in full-time education.

Note 2

If Mary gets €300 from employment, her One-Parent Family Payment will be reduced. (€110 of income from employment is disregarded and 50% of the remaining €190 - which is €95 - is assessed as means). A person with means of €95 gets an OFP payment of €105.50. She gets €29.80 for each child so her total payment will be €194.90.
More information is available about how income from employment affects your One-Parent Family Payment.

Page edited: 29 March 2017

Language

Gaeilge

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