Christy Ruane (75) has run his pub in the rural townland of Glentane, Co Galway, for 45 years, but the coronavirus lockdown has seen him forced to close his doors and meet ongoing bills on a much-reduced income.
e and his wife Mary are having to dip into their savings to cover costs with no end in sight to the restrictions on pubs.
"I never envisaged something like this was ever going to happen," said Mr Ruane. He has had to cancel direct debits and save all the money he can "because you don't know where or how it's going to finish up".
The couple are getting the State pension of a combined €470 but that doesn't cover the outgoings from owning a pub as well as putting food on the table.
They, like many others over the age of 66, have been excluded from the Government's Covid-19 Pandemic Unemployment Payment (PUP) of €350 a week.
Mr Ruane said: "I feel very sore about it. I'm all my life paying tax and paying VAT and every blooming thing and to come along then and find you're isolated."
He, like others in the same situation, is not demanding the full €350-a-week payment on top of the State pension and says that topping up the pension to match it would be a compromise.
He said a lot of pubs will close down due to the restrictions and considers himself fortunate that, with the mortgage paid off on his premises, it is likely to reopen. "If I wasn't in that position I'd be very fearful of the future," he said.
"It will be putting it to the pin of my collar if it goes into next year when the pubs are allowed to open."
Businessman Patrick Kavanagh of Kilkenny-based Kavanagh's Executive Car Hire is not so lucky. He turned 66 in March just as the Covid-19 PUP was being made available.
He questioned how his business is supposed to survive. Much of it involves driving American tourists around the country and they are unlikely to return soon.
On the over-66s' exclusion from the Covid-19 PUP, he said: "It's ridiculous. We should all be on the same level playing field."
Dubliner Shelagh Ennis-Lamb is a self-employed health and safety consultant and is also excluded.
She said the Government has been encouraging people to work until they are older and it was a slap in the face to leave them out of the scheme. "They could have at least brought the pension payment up to €350 which is what they are paying to people who work part time."