Mixed age couples benefit advice please
Hi sorry for another post regarding this issue but I got no further last year after submitting our Housing element amount. I hope you can help as its very worrying for both of us and will be upon us before we know it. Sorry to repeat myself but this is the situation.
My husband is 66 in May and I am 64 in June. We have a joint claim for UC. We both receive PIP. My husband receives ESA in the support group which is deducted from our UC. We both have LCWRA which we obviously only get one payment for. I care for my husband and I receive the Carer's element. As the prognosis for my Foramimal Stenosis is not good we will have to provide care for each other and I have an important hospital appointment at the end of the month about managing the symptoms as I cannot be operated on.
As we know his ESA will stop when he reaches retirement age. Can you confirm that his state pension will be deducted in full from our UC? Also will he lose his LCWRA as he has reached state pension age or retain it as we are a mixed age couple? or will we get it still for me. Also we don't understand the situation with the carers element. We will be contacting the pension service to find out if there will be a gap in payment when his ESA stops and his pension starts which will cause problems.
Lastly do we need to contact ESA and when do we contact UC. It's a gamble as to whether you get someone who knows their stuff at UC as we all know. We are still in the middle of our DWP Investigation as I was falsely accused of inheriting all my Mum's estate when I received nothing it's causing a lot of stress and I've tried to forget about the DWP but it spoilt Christmas and as we want to do everything properly some sound advice would be great.
Our Housing element is £574.29 but this will change in April.
I realise that everything might change after the Green Paper release but as his birthday is in May I can't see anything much happening until after consultation responses. Like everyone we are very worried but we need to take each day as it comes.
Peace for the new year
Comments
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Once he reaches state pension age his pension will be deducted in full from any UC entitlement.
LCWRA element for him will continue as normal, same as all other elements.
Once he reaches state pension age he should report the changes to UC because they don’t always acknowledge you’ve reached this age.
You are correct that his ESA stops the day before he reaches this age. The deductions for that will also stop.
Council tax reduction will likely be recalculated too so he needs to report the changes to your local Authority.
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Many thanks Poppy that's helped a great deal and has made that all clear.
Best wishes
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You're welcome.
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Hi sorry to bother you again but my Husband has discovered today he has an old workplace pension from 1991 of £1076.28p we have just had an overly complicated conversation with the pension people but it would be more beneficial for him to take it as a lump sum when he reaches 66 in May how will this affect our UC and as it is well below the allowance how do we declare it if he decides to go ahead. If he was to take it as a monthly payment it would be miniscule and deducted from our UC anyway. Hope you can help
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Lump sums from pensions are treated as capital. If your total capital is less than £6,000 after taking that lump sum then it would be ignored. Yes, you still need to report that he took the lump sum.
If he decides not to take it and leaves it in the pot it will be treated as notional Income and will be treated as if he has an income from it. Hardly seems worth doing that for a such a low amount, if I'm honest.
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Thank you Poppy as usual you make everything make sense, you are a star ⭐We are very grateful! 🙏
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You're very welcome. Aww thank you so much! ☺️
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I just wanted to say how lovely I found your message to Poppy. I wish you both a long and happy retirement!
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🙏 Poppy always makes sense out of the madness! We just wanted Poppy to know how valued the advice and help is ❤️
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Thank you for being so kind! As you probably know now, I’m always happy to help.
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