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pension?

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?
Replies
Doesn't seem any real point in working.
You can Check your National Insurance record or Call the helpline if you have questions about National Insurance credits.
Senior online community officer
Senior online community officer
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!
Senior online community officer
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:
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?
Senior online community officer
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.
Maybe I am wrong in that I thought that you could only claim it if you were in receipt of the 'old' State Pension.
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.