Hi, my name is Oldgit! Do I need to claim my pension, or can I claim benefits first?

Oldgit
Oldgit Community Member Posts: 2 Listener
edited June 2025 in Benefits and income

Hi there another newbie, I'm a 62 year old man, disabled and had to leave work because of my disability, I do get full pip and currently drawing from my personal pension which is not a great amount and which will run out before I officially retire, my question is do I need to use my personal pension or can I claim benefits and leave my personal pension till I retire, any help would be appreciated

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  • Rosie_Scope
    Rosie_Scope Posts: 9,753 Online Community Team

    Hi @Oldgit, welcome to the community ☺️

    You should still be able to claim Universal Credit if you're not able to work as you're under State Pension age. Have a little look at the eligibility requirements to see whether it might be an option:

    Universal Credit: Eligibility - GOV.UK

    You could also try using a benefits calculator. They're not always totally accurate but they can give you a good idea of what you might be eligible to claim.

    Turn2us Benefits Calculator

    Many of our members have been through the process of starting up on benefits so if you have any questions about anything please feel free to ask away!

  • Mary_Scope
    Mary_Scope Posts: 6,171 Scope Online Community Children and Family Specialists

    A warm welcome to the community from me @Oldgit 😄

  • Oldgit
    Oldgit Community Member Posts: 2 Listener

    Thank you santosha12 for your reply, I left work age 57 due to ill health, my pension provider/financial adviser didn't really say anything about benefits, he just provided a plan so that my pension would last until I hit 67 and able to claim my government pension, however with covid and the magnificent government with their interest rates not doing anything, my pension pot hasn't made anything and will run out before I officially retire hence why I questioned the possibility of not drawing my personal pension and try and claim any benefits, the whole saga makes me wonder why I paid into a personal pension in the first place, but thank you again

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