Finances and extra costs
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I have MND. I feel I'd be better off without my pension, and am struggling to live on my benefits

andoando Member Posts: 11 Listener
Well people I would be far better off without my pension because I get £500 a month work pension my esa is less and I pay full housing rent and council tax all because I went to work I now have MND which I got at 50yrs old my neighbour gets all benefits inc high level pip and he pays next to nothing sorry for a rant but I live on my own and can’t afford care”s

Replies

  • poppy123456poppy123456 Member Posts: 23,163 Disability Gamechanger
    HI,

    It doesn't always pay to take any pension early because it affects any other benefits you maybe entitled to, which is why i always advise people to get some expert advice before taking any pension.

    I looked back at your previous posts to see if i could see any further information but there really wasn't much to go by, other than you live alone.

    Have you used a benefits calculator to check entitlement to Universal Credit? Help with your rent would be included with this. Your ESA and pension would be deducted £1 for £1 from any UC entitlement but you may still be entitled to something. It depends on how much housing element you'll be entitled to. Please put your details into this here. https://www.entitledto.co.uk/benefits-calculator/Intro/Home?cid=70077313-060d-48d8-86dd-e35382a1f6df

    Have you also looked at claiming the disability benefit PIP for yourself? It's not awarded based on any diagnosis, it's how those conditions affect your ability to carry out daily activity based on the PIP descriptors. See the descriptors here.



    Proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice I have given to members here on the community.
  • andoando Member Posts: 11 Listener
    I do get full pip I am being penilsed for working all my life I was a engineer, my neighbour pays £82 a month rent I pay £400 because I worked he also gets full pip and walks his dog five miles a day while I am confined to my wheelchair I had face to face with my pip he had a phone call assessment how can that be there inviting fraud 
  • poppy123456poppy123456 Member Posts: 23,163 Disability Gamechanger
    edited December 2020
    Please don't compare others to yourself, this really isn't nice. No one knows what goes on inside closed doors. Very few people claim PIP fraudulantly. 

    If your neighbour had a telephone assessment then that must have been since Covid began because all face to face assessments are currently suspended and telephone assessments have replaced them. Thousands of people are currently having telephone assessments for PIP and the work capability assessment.

    Just because he can "walk" 5 miles it doesn't mean he's not entitled to any PIP. People claim PIP for other reasons than physical ones. My daughter claims Enhanced for both parts and yes she could walk 10 miles a day.... this is because she has no physical disabilites. We have many members here on the communiity that claim PIP for other reasons than physical.

    My daughter didn't have a telephone or face to face assessment for her PIP, her's was paper based but this doesn't make her any less entitled nor does it mean she's claiming fraudulantly. It means there was enough of evidence to make a decision on paper alone.

    Regarding your pension and other benefits other than PIP. There's a certain amount the law says you need to live on and unforntunately, a pension is classed as income for means tested benefits. A pension of more than £85 per week affects Contributions based ESA and New style ESA. You didn't have to take your pension early but you choose to do that and unfortunately, it's not made you any better off.


    Proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice I have given to members here on the community.
  • andoando Member Posts: 11 Listener
    I had no choice at the time I had to take pension I lived on a narrow boat at the time I got diagnosed and had to give it up because of the illness and the mortgage I had on it which left me homeless it was bad time so pension was the only way out , I wasn’t being greedy anyway I am sorry to offend you but I know different with my neighbour I no him well 
  • woodbinewoodbine Community Co-Production Group Posts: 5,076 Disability Gamechanger
    I'm afraid comparing your situation with your neighbours gets no sympathy from me and no advice either, we never know what someone else's situation is and you shouldn't either.
    Sorry but it always winds me up when people do this.
    I will now only offer benefits advice on PIP, and specific benefits advice for other people with Epilepsy. 
  • poppy123456poppy123456 Member Posts: 23,163 Disability Gamechanger
    Couldn't agree more @woodbine. My daughter knows me extremely well but when it comes to my health, that's a totally different story because i'm the only one that knows this and i'm very good at putting that smile on my face everytime she walks through the door.
    Proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice I have given to members here on the community.
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