What benefits am I entitled to?
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Pension contribution

zap42zap42 Member Posts: 5 Listener
Because of wife's wage we are not able to claim any benefits she works in a shop not exactly high powered.  I was able to get job seekers but no money just the stamp being paid for the pension.

Since I was taken ill last year with a long term condition we have managed to claim pip recently the basic level but it has come in handy as we try to get flat ready for home dialysis.

Is there any way of getting my stamp paid I am 4 years short of full amount not sure I will get to 70 but if so would like something coming in.  Don't think I'm entitled to anything else

Thanks for reading this.

Replies

  • janer1967janer1967 Member Posts: 11,997 Disability Gamechanger
    Hi just wanted to welcome you 

    Sorry I dont know the answer to your query but sure others will 

    You may get an answer from welfare rights or CAB 
    Here to help with my experience in hunan resources and employment rights 
  • woodbinewoodbine Community Co-Production Group Posts: 5,037 Disability Gamechanger
    You can request from HMRC a report showing if contributions have been made going back to when you started full time work.

    For the new unified state pension you basically need 35 years cont. for the full pension or at least 10 for a part pension, its basically paid as 1/35 of the full pension which is currently £175 per week increasing in April to I think £179, for most people the current age of retirement is 66 but that will be increasing to 67 then 68 in coming years.
    You can also request a SRP forecast, and when the time comes you will need to apply for SRP 4 months before you retire. You can of course buy any recent missed years for around £660 per year.

    One other question would be do you have any private defined cont. pensions and are you over 55 (rising to 58 eventually) ?

    I will now only offer benefits advice on PIP, and specific benefits advice for other people with Epilepsy. 
  • zap42zap42 Member Posts: 5 Listener
    Thanks my question was is there a way of getting my contributions paid as I am 4 years short of the 35 but am struggling to see a time when I will be working again.
  • calcotticalcotti Member Posts: 2,689 Disability Gamechanger
    edited March 17
    woodbine said: For the new unified state pension you basically need 35 years cont. for the full pension or at least 10 for a part pension,
    It's not as simple as that because of transitional rules. Some people may need more than 35 years to reach the full new state pension.
    zap42 said:
    Thanks my question was is there a way of getting my contributions paid as I am 4 years short of the 35 but am struggling to see a time when I will be working again.
    You can apply for new style ESA. You will fail the contributions requirements so will not be entitled to be paid but they should still do a Work Capability Assessment (WCA) and if you are found to have Limited Capability for Work then you can get NI Credits on that basis.

    However before doing that it would be worth using a benefits calculator to check whether you are entitled to any Universal Credit. Benefits calculators - GOV.UK (www.gov.uk). You will have a basic couple allowance. If your wife cares for you and your PIP includes the Daily Living component she will be entitled to the carer element in UC which increases your maximum amount. If you declare your health condition when claiming UC then the WCA will be done under UC. If you are found to have LCW then the first £515 of your wife's earnings will be ignored (if you are not claiming help with rent, it is £293 if you claim help with rent). If you are found to have Limited capability for Work and work Related Activity then you would also get the LCWRA element after four months. On UC you would also get NI credits.

    To claim ESA or claim UC with a health condition you will need a Fit Note from your GP.
    Information I post is for England unless otherwise stated. Rules may be different in other parts of UK.
  • woodbinewoodbine Community Co-Production Group Posts: 5,037 Disability Gamechanger
    Have you looked into claiming ESA ?
    I will now only offer benefits advice on PIP, and specific benefits advice for other people with Epilepsy. 
  • zap42zap42 Member Posts: 5 Listener
    We have been turned down for universal credits due to wife working.  Work as an electrician is impossible with everything.  As for work elsewhere found it impossible to get a response for any application that was before this illness so now my availability is close to zero.

    Looks like I will just have to try and make a reduced pension work.
  • zap42zap42 Member Posts: 5 Listener
    ESA is the same problem as why I didn't get money on job seekers.  When I was made redundant wife was doing OK and we made the mistake of not claiming as we thought we are OK others need it more.  It was sad to see that later when she got released my not claiming meant I couldn't claim then.
  • calcotticalcotti Member Posts: 2,689 Disability Gamechanger
    zap42 said:
    We have been turned down for universal credits due to wife working.  Work as an electrician is impossible with everything.  As for work elsewhere found it impossible to get a response for any application that was before this illness so now my availability is close to zero.

    Looks like I will just have to try and make a reduced pension work.
    Your circumstances have changed so your UC entitlement may have changed. I infer that when you claimed before you were a jobseeker hen you applied before you did not have a health condition limiting your ability to work, nor did you receive PIP. As per my previous reply you could use a benefits calculator to check entitlement. As previously advised if you are not renting and are found to have LCW or LCWRA the first £515 of the earnings will be ignored and you wife can also get the carer element for looking after you if your PIP includes the daily Living component.

    You also have the option, again as already advised, to apply for ESA and, even though you will not be paid, if found to have LCW or LCWRA will get NI credits.
    Information I post is for England unless otherwise stated. Rules may be different in other parts of UK.
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