Income ESA

holiday123

My husband is about to retire in April. Our ESA is more than retirement pension. Should we not take the pension, if so how would it affect our benefits

CockneyRebel

Hi holiday and welcome

What other benefits do you receive ?
Do you have an IR element to ESA ?

CR

holiday123

We receive income related ESA and DLA at the high rate

CockneyRebel

DLA is non means tested but at some time soon you will be invited to claim PIP

Normally you defer a state pension to build up extra pension. You can't defer state pension when on income related benefit and get the extra but you do have to tell pension service if you want to defer.

https://www.gov.uk/deferring-state-pension

CR

holiday123

Thank you for your reply 

AlexW_Scope

Hi @holiday123

There is a free and impartial Government service called Pension Wise where you can discuss your options with an adviser. Phone 0800 138 3944 to book a free appointment.

Best wishes, Alex