How does state pension affect benefits?

kjc · January 2018

hi,my husband is about to receive his state pension in may, just want to know how it will affect my benefits I'm receiving pip and esa and housing benefit . Many thanks

steve51 · January 2018

Hi @kjc

A very very big welcome to you today.

Here’s some info for you:

PIP.

https://search.scope.org.uk/s/redirect?collection=scope-meta&url=https%3A%2F%2Fwww.scope.org.uk%2Fsupport%2Fdisabled-people%2Fbenefits%2Fpip&index_url=https%3A%2F%2Fwww.scope.org.uk%2Fsupport%2Fdisabled-people%2Fbenefits%2Fpip&auth=OdCmUepX8Eu01lD6Q10Fhg&profile=_default&rank=1&query=Pip

ESA.

https://search.scope.org.uk/s/redirect?collection=scope-meta&url=https%3A%2F%2Fwww.scope.org.uk%2Fsupport%2Fdisabled-people%2Fbenefits%2Fesa&index_url=https%3A%2F%2Fwww.scope.org.uk%2Fsupport%2Fdisabled-people%2Fbenefits%2Fesa&auth=v06jdjhJPug%2BjwqXi7IYeg&profile=_default&rank=1&query=Esa

Please please let me know if I can help you further???

CockneyRebel · January 2018

Hi Katie and welcome

Is your husband retiring from work ?
Is your husband on your ESA claim ?
Your PIP award is non means tested and will not be affected

CR

kjc · January 2018

My husband is my carer but not claiming careers allowance, he retired from work 4 years ago. The esa and pip are both in my name many thanks for your advice.

Pippa_Alumni · January 2018

Welcome to the community, @kjc!

Sam_Alumni · January 2018

Hi @kjc
PIP and ESA are both for people under pension age, but Im not sure on how your partner's pension would affect you.

There is also some information on other support once you claim your pension.

I have moved your post to the Ask A Benefits advisor category so I hope you can get some information from them.

BenefitsTrainingCo · January 2018

Hi @kjc

State Pension is classed as income for all income-related benefits. This includes Housing Benefit and income-related ESA.

I'm not sure from your post if your ESA is an income-related joint claim with you as main claimant, or whether it is a contributions based claim solely for you.

If it is an income related ESA claim, then the ESA will reduce by the amount of the pension, and this may mean that the ESA stops entirely - the rate of ESA (before any Pension is deducted) will increase to include a Pension Premium.

As an alternative to income related ESA you could look at Pension Credit in your husband's name - again this is an income-based benefit, which is only paid to Pensioners.
https://www.citizensadvice.org.uk/benefits/older-people/benefits-for-older-people/#pension_credit

If your ESA is contributions based, it will not be affected by your husband's pension.

As regards Housing Benefit, the extent to which this may be affected is kind of dependent on your other benefits - if you receive ANY income-based ESA or Pension Credit, then your Housing Benefit will be unaffected as you will still be 'passported', whereas if your ESA is contributions based, then this and your husband's pension will be added together and your Housing Benefit calculated accordingly - this can reduce the amount of Housing Benefit you receive.

If you know the figures you could use a benefit calculator to figure out your exact entitlement:-
https://www.entitledto.co.uk/

Hope this helps - do let us know if you need further clarification on anything!

Kind regards

Mary

How does state pension affect benefits?

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