How would taking my private pension impact our benefits? — Scope | Disability forum
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How would taking my private pension impact our benefits?

beetroot
beetroot Community member Posts: 2 Listener
edited June 2 in Benefits and financial support
I am 61 and thinking about taking my private pension my husband already gets his but it’s taken off his esa is this correct they told me when I rang them that it’s both contributions and income based also he is disabled and in support group
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Comments

  • poppy123456
    poppy123456 Community member Posts: 49,880 Disability Gamechanger
    A pension weekly/monthly income will reduce any Income Related ESA £1 for £1. For contributions based ESA pensions of up to £85/week are ignored. There's a 50p/week deduction for every £1 over this amount.

    If part of his ESA is Income Related then there must be an amount included for you so your pension will reduce this £1 for £1.

    If he's receiving more than £129.50/week then at least part of it will definitely be Income Related. For this reason i don't see any point in taking a weekly/monthly income from it.
    I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.
    If i see a question that i know the answer to i will try my best to help.
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  • Cher_Alumni
    Cher_Alumni Scope alumni Posts: 5,741 Disability Gamechanger
    Hello @beetroot and a warm welcome to our online community, how are you doing?

    Has Poppy's answer helped clarify things in your mind about taking your private pension? I hope so! Any things unclear, please do ask away.

    I've tweaked the title of your thread to help others find it, and hope you have a great weekend. All the best.
    Online Community Co-ordinator

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  • beetroot
    beetroot Community member Posts: 2 Listener
    Hi my husband was getting £235.20 esa every 2 weeks since April it’s gone to £259 every 2 weeks his private pension is £207.45 every calendar month and I get carers for a disabled daughter is this right
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  • calcotti
    calcotti Community member Posts: 10,011 Disability Gamechanger
    edited June 2
    beetroot said:
    Hi my husband was getting £235.20 esa every 2 weeks since April it’s gone to £259 every 2 weeks his private pension is £207.45 every calendar month and I get carers for a disabled daughter is this right
    With out knowing full details of your joint finances it isn’t possible to know whether the ESA is correct. Try using a benefits calculator.
    https://benefits-calculator.turn2us.org.uk/
    Information I post is for England unless otherwise stated. Rules may be different in other parts of UK.
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