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pension?

kayhikari

um i have a question, im 25 and autistic and i have never managed to get/keep a job if i am able to stay on pip in the future and i get to pension age will i be able to claim it?

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poppy123456

Hi,

PIP doesn't pay any national insurance credits towards a state pension. Other benefits like ESA/Universal credit pays this. Claiming either of these will depend on circumstances. Speak to your local CAB office for a full benefits check.

kayhikari

so since i have been on job seekers and then esa since i left school its been putting towards it?

Yadnad

kayhikari said:

so since i have been on job seekers and then esa since i left school its been putting towards it?

To put it bluntly - yes provided you maintain your benefit entitlement you will get the same level of State Pension as someone who has worked and paid in over a period of 35 years +.

Doesn't seem any real point in working.

Sam_Alumni

Hi @kayhikari
You can Check your National Insurance record or Call the helpline if you have questions about National Insurance credits.

kayhikari

thank you so much i have been panicking about everything since they decided to stop my pip and now i have to try and get it back and i've been kinda freaking out about things especially since my parents are both retirement age

Sam_Alumni

If you’re on Jobseeker’s Allowance and not in education or working 16 hours or more a week or you’re on Employment and Support Allowance, it says here you would automatically get Class 1 credits

poppy123456

Yadnad said:

To put it bluntly - yes provided you maintain your benefit entitlement you will get the same level of State Pension as someone who has worked and paid in over a period of 35 years +.

Doesn't seem any real point in working.

A little harsh, don't you think! Some people don't have the opportunity to work because of a health condition!

kayhikari

Sam_Scope said:

If you’re on Jobseeker’s Allowance and not in education or working 16 hours or more a week or you’re on Employment and Support Allowance, it says here you would automatically get Class 1 credit

um i dont know what that means

Yadnad

poppy123456 said:

A little harsh, don't you think! Some people don't have the opportunity to work because of a health condition!

That was not meant to be harsh. I was being realistic. If I had my time over again and was able to get credits for a State Pension in that manner I would seriously consider not working at all. Of course if people want to work but can't then yes it can be a bit depressing.

This working life thing made me miss out on being a dad 5 days out of 7, it has given me disabilities and ill health that I now suffer from,and as for savings & pensions what is the point they reduce Pension Credit because I have them!

Sam_Alumni

kayhikari said:

Sam_Scope said:

If you’re on Jobseeker’s Allowance and not in education or working 16 hours or more a week or you’re on Employment and Support Allowance, it says here you would automatically get Class 1 credit

um i dont know what that means

Class 1 credits these count towards your State Pension and may help you qualify for some other benefits, for example contribution-based Jobseeker’s Allowance

kayhikari

sorry i still dont get it

Sam_Alumni

That's ok, let me see if I can explain a bit better

To get the basic State Pension you must have paid or been credited with National Insurance contributions.

This means you either get the contributions through working or through claiming certain benefits. If you are on JSA or ESA you automatically get Class 1 credits, these are credits that count towards your state pension.

To get the full basic State Pension you need a total of 30 qualifying years of National Insurance contributions or credits. This means you were either:

working and paying National Insurance
getting National Insurance Credits through benefits
paying voluntary National Insurance contributions

If you have fewer than 30 qualifying years, your basic State Pension will be less than £125.95 per week but you might be able to top up by paying voluntary National Insurance contributions.

Does that make more sense?

kayhikari

um i think so? sorry im dont really understand things like this i useually have to get my parents to explain things to me

Fight4Justice

This govt help pg has some useful info:

https://www.gov.uk/government/publications/pension-credit-toolkit/pension-credit-and-help-for-disabled-people

Specifically the part under the heading Extra Pension Credit for severely disabled people or carers - my understanding of this is you would be entitled to an extra £64.3 a week due to the Severe Disability Premium (assuming you qualify for this via PIP Daily Living), on top of the State Pension of £164.35 per week.

Yadnad

Fight4Justice said:

This govt help pg has some useful info:

https://www.gov.uk/government/publications/pension-credit-toolkit/pension-credit-and-help-for-disabled-people

Specifically the part under the heading Extra Pension Credit for severely disabled people or carers - my understanding of this is you would be entitled to an extra £64.3 a week due to the Severe Disability Premium (assuming you qualify for this via PIP Daily Living), on top of the State Pension of £164.35 per week.

Is Pension Credit actually available to recipients of the 'new' State Pension?
Maybe I am wrong in that I thought that you could only claim it if you were in receipt of the 'old' State Pension.

Fight4Justice

@Yadnad

You're probably right as I'm no expert. I've just been reading through some various Govt & benefit help pgs but this is what I found so far.

This help site makes references to changes for the savings component of Pension Credit - https://www.turn2us.org.uk/Benefit-guides/Pension-Credit/How-much-Pension-Credit-will-I-get#guide-content - that seems to be closed down to people reaching State Pension age from 6th April 2016 onwards.

I was confused by this following Govt help pg referring to eligibility for the various Disability Premiums - https://www.gov.uk/disability-premiums-income-support/eligibility - under the Severe disability premium heading it makes no reference to needing to be under Pension Credit age to qualify for this benefit. However, it does say you must get one of the following to qualify You must get the disability premium or income-related ESA, under the Disability premium heading it says You or your partner must be under pension credit age to receive it, however, then at the end it say the following If you do not qualify, you may still get the premium if you’ve been unable to work for at least a year. I'm not sure how to interpret that. Does that also discount needing to be over the State Pension Credit age to receive it?

I find it strange that a single person at age 64 could receive the Disability Premium of £33.55, plus Severe Disability Premium of £64.3 and Enhanced Disability Premium of £16.4, then one year later lose all that extra financial support. It could be true though. It's definitely worth seeking expert advice though.

For example a single person on ESA and in the Support Group would receive the following:

- up to £110.75 a week if you’re in the support group
- enhanced disability premium at £16.40
- severe disability premium at £64.30

That adds up to £191.45 per week if you receive the max.

The new State Pension is £164.35 if you have the necessary national insurance contributions. Therefore you're £191.45 minus £164.35 worse off (£27.1 per week) moving over from ESA to the new State Pension, assuming there is in fact no extra disability support for pensioners.