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What is the savings cap with regards to the Support group ESA?

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Norbs66
Norbs66 Community member Posts: 49 Courageous
Hi All
I have a small pension from when I worked before my health deteriorated and I am registered disabled and in receipt of PIP at the enhanced rate and ESA I am in the support group. I am trying to decide what to do with regards to my pension and my question is what is the savings cap with regards to the Support group ESA? 

Comments

  • calcotti
    calcotti Community member Posts: 10,010 Disability Gamechanger
    edited February 2022
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    What type of ESA is it? Contribution based, income based, a mix of both or new style ESA?

    Savings have no impact on contribution based or new style ESA. For income based ESA there is deduction of £1/week for every £250, or part thereof, over £6,000. If you have over £16,000 there is no income based entitlement.

    Money still held in a pension fund is ignored.
    Information I post is for England unless otherwise stated. Rules may be different in other parts of UK.
  • woodbine
    woodbine Community member Posts: 12,093 Disability Gamechanger
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    @Norbs66, can we assume that you are over 55 and able to access a pension? You say you are registered disabled that hasn't been the case for quite some time now.

    2024 Election won

  • Norbs66
    Norbs66 Community member Posts: 49 Courageous
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    Sorry yes over 55 years. I am unable to work due to disability and in receipt of PIP and ESA support group.
  • poppy123456
    poppy123456 Community member Posts: 56,976 Disability Gamechanger
    edited February 2022
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    If you don't know which ESA you're claiming then you can ring DWP and ask them.
    I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.
    If i see a question that i know the answer to i will try my best to help.
  • woodbine
    woodbine Community member Posts: 12,093 Disability Gamechanger
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    Have you considered speaking to the govts. pension advisors at pension wise?
    I found them to be really helpful when I used them

    2024 Election won

  • calcotti
    calcotti Community member Posts: 10,010 Disability Gamechanger
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    woodbine said:
    Have you considered speaking to the govts. pension advisors at pension wise?
    I found them to be really helpful when I used them
    Out of interest, did you find that, as well as explaining your pension options, they understood the impact your pension decisions would have on your benefits?
    Information I post is for England unless otherwise stated. Rules may be different in other parts of UK.
  • woodbine
    woodbine Community member Posts: 12,093 Disability Gamechanger
    edited February 2022
    Options
    calcotti said:
    woodbine said:
    Have you considered speaking to the govts. pension advisors at pension wise?
    I found them to be really helpful when I used them
    Out of interest, did you find that, as well as explaining your pension options, they understood the impact your pension decisions would have on your benefits?
    Yes, the chap I saw (face2face pre covid) really knew his stuff and gave excellent advice on both pensions and the affect on benefits if I cashed them in.

    https://www.citizensadvice.org.uk/debt-and-money/pensions/get-ready-for-your-pension-wise-appointment/

    2024 Election won

  • Norbs66
    Norbs66 Community member Posts: 49 Courageous
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    The pension company advised me of the effects it may have on my benefit if I did decide to cash in. I have just found my ESA is income related 
  • poppy123456
    poppy123456 Community member Posts: 56,976 Disability Gamechanger
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    That means the advice from calcotti here applie..
    calcotti said:


    For income based ESA there is deduction of £1/week for every £250, or part thereof, over £6,000. If you have over £16,000 there is no income based entitlement.

    Money still held in a pension fund is ignored.


    I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.
    If i see a question that i know the answer to i will try my best to help.
  • Norbs66
    Norbs66 Community member Posts: 49 Courageous
    Options
    Thank you everyone for clarifying this for me. I shall give it some thought as to what is my best way forward 
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