Pension saverscredit

ello

my pension credit has been made up of pension savers credit

poppy123456

HI,

Sorry but i'm not sure exactly what your question is, could you give some more information please?

skullcap

Pension Credit is generally made up of two elements - the Guaranteed Credit part and the Savings Credit.
The latter is based on the amount of private pensions that you have paid into. 

ello

Hi sorry my fault im making this enquiry on behalf of my cousin Aged 80 so does not understand the system,
My question is about her pension, apparently she cannot get a guaranteed pc because her pension includes a savers credit?
she don't understand this or where it came from! however 
she is on high rate DLA (awarded in 1995) with lower rate care,
when i made an enquiry   to the pension dept about this savers thing  for her i was told that she may be able to claim extra money could be £80 + pw  to  help with whatever she may need regarding care/help as she has never claimed any careers allowance which if successful  would show as a pension credit,
that person was looking into it for her and it could take app 6 weeks, 
as it's over this period i called today to be told that she is not eligible because she is on low rate care  of DLA  
so does not not qualify for guaranteed PC or PCredit Her total pension amounts £181.97 pw includes savers

She can however receive help with Glasses Dentist ETC but she has to apply for this every time she also has to apply herself for the warm home scheme every year 
any advise you could give will be much appreciated 
we are wondering if it would be better for her to transfer from DLA to Attendance allowance!

ello

My cousin does not have any savings or private pensions 

poppy123456

The advice she was given about maybe able to claim extra benefits because she’s never claimed any carers allowance, she can’t claim this for herself. I think the person maybe talking about the severe disability premium. Unfortunately because she’s only receiving low rate care DLA then she won’t be able to claim this premium because one of the criteria is mid or high rate care DLA. Hope this helps.

ello

Hi poppy thank you 
Could she apply for a re-assessment to DLA would or could this increase her care rate.
she has a lot more conditions since her award in 1995 but never considered this?
were  not sure because of her age!.
Kind Regards

poppy123456

She maybe able to ask for a supersession, explained here in this link. https://www.citizensadvice.org.uk/benefits/benefits-introduction/problems-with-benefits-and-tax-credits/challenging-a-benefit-decision/challenging-a-dwp-benefit-decision-on-or-after-28-october-2013/changing-a-benefit-decision-by-revision-and-supersession/changing-a-dwp-benefit-decision-by-supersession/

BUT because of her age she maybe asked to apply for Attendance Allowance, which doesn't have a mobility part. If a supersession is possible then she really does need to get some expert face to face advice before she does anything else.

Misscleo

I'm sure she can claim pension credit
Its about how low her income is. 
Unless she has saving that would take her over £10.000.
Get all your proof next to phone then call 0800 319 6789. Good luck

poppy123456

Misscleo said:

I'm sure she can claim pension credit
Its about how low her income is. 
Unless she has saving that would take her over £10.000.
Get all your proof next to phone then call 0800 319 6789. Good luck

Not everyone is entitled to pension credit.

ello

Hi Misscleo
Thanks for your advice 
My cousin is 80 yrs old and has no savings at all.
 she gets £181.00 per week pension + she gets the high rate DLA with low rate care (I'm not sure of this amount at the moment)
I did contact Pension Credit and i was told that as she had paid into surps many years ago (which she cannot remember doing) this created the savings credit and makes her pension just above the basic pension by £14.00 pw so not entitled to Pension Credit!
(they say the £14.00 pw  is  the government way of giving you a bit back?)  what a giggle.
And as she only gets the low rate care component of DLA she does not qualify for any extra Benefits either.