Income ESA

holiday123
holiday123 Online Community Member Posts: 3 Listener
in Employment and Support Allowance (ESA)
My husband is about to retire in April. Our ESA is more than retirement pension. Should we not take the pension, if so how would it affect our benefits

Comments

  • CockneyRebel
    CockneyRebel Online Community Member Posts: 5,188 Championing
    Hi holiday and welcome

    What other benefits do you receive ?
    Do you have an IR element to ESA ?

    CR
  • holiday123
    holiday123 Online Community Member Posts: 3 Listener
    We receive income related ESA and DLA at the high rate
  • CockneyRebel
    CockneyRebel Online Community Member Posts: 5,188 Championing
    edited January 2018
    DLA is non means tested but at some time soon you will be invited to claim PIP

    Normally you defer a state pension to build up extra pension. You can't defer state pension when on income related benefit and get the extra but you do have to tell pension service if you want to defer.

    https://www.gov.uk/deferring-state-pension

    CR

  • holiday123
    holiday123 Online Community Member Posts: 3 Listener
    Thank you for your reply 
  • AlexW_Scope
    AlexW_Scope Scope Posts: 224 Empowering
    Hi @holiday123

    There is a free and impartial Government service called Pension Wise where you can discuss your options with an adviser. Phone 0800 138 3944 to book a free appointment.

    Best wishes, Alex

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