ESA PIP & Future Pension
Mikka
Community member Posts: 12 Listener
Hi guys. I'm just looking to the future as I like to be well prepared! I currently receive ESA & PIP and expect this to continue until retirement age. I've been in receipt of these benefits for many years due to severe disablement following an accident. I am assuming that when I eventually reach retirement age that ESA & PIP will stop? Then I will rely solely on a state pension for income. My question is if ESA & PIP stops, will I be entitled to any other form of financial support other than my state pension? It seems that relying totally on a state pension is going to be a struggle without any other financial support. Thanks in advance
Comments
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Hi there
I don't know about other benefits but your PIP will not stop
You can't apply for pip after retirement age but if you already have an existing award then it will still be paid
You also can't get a higher mobility element than you currently have after retirement age -
janer1967 said:Hi there
I don't know about other benefits but your PIP will not stop
You can't apply for pip after retirement age but if you already have an existing award then it will still be paid
You also can't get a higher mobility element than you currently have after retirement age
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When you say "everything else just stops" what benefits other than ESA (will stop) and PIP (won't stop)do you currently claim ?2024 The year of the general election...the time for change is coming 💡
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Hi @Mikka
If I was you, I’d contact AgeUK helpline to have a thorough benefits check.
My understanding is that ESA payments are stopped, once State Pension is in payment, which is currently £170 per week, for those who meet the qualifying years (30 years of NI contributions).Let us know how you get on. -
The new full unified state pension is £179.60 per week, you may get more than this or you may get less, more depends on opting out (to put it simply) less if you have less than 35 years cont. but more than 10 years for a reduced pension.
https://www.gov.uk/new-state-pension
2024 The year of the general election...the time for change is coming 💡 -
Hi mikka, I had the same issue a couple of years ago I received esa and pip before retirement age I was sent a letter asking if I wanted to stay on the esa or change to pension credit, depending if you have a wife or partner that you claim for, in my case esa and pip was our only income with pension credit this continued until both myself and my wife reached pension age. I don't really know if the esa would have continued but seem to remember reading somewhere it would stop. Hope this helps (its my experience only.)
Jimmy.
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Hi @Mikka
Just to add.
Once you have had a benefits check, undertaken on the AgeUK helpline.
Your next port of call, should be with Future Pension Centre helpline 0800 731 0175
which is part of DWP. You should have your NI number to hand. You will receive a State Pension forecast, by letter, including when it will be in payment and the amount of money you will receive.
Please note your State Pension is not taxable.
You will receive a letter three months before your State Pension is due to come into payment. It also asks if you wish to defer to a later date!Keep us updated. -
@atlas47 state pension is classed as "earned income" and is therefore potentially taxable, if your SRP is less than your personal allowance then of course it won't be taxed, if your total income exceeds personal allowance then tax will be payable.2024 The year of the general election...the time for change is coming 💡
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atlas47 said: My understanding is that ESA payments are stopped, once State Pension is in payment,Information I post is for England unless otherwise stated. Rules may be different in other parts of UK.
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atlas47 said: State Pension is not taxable.Information I post is for England unless otherwise stated. Rules may be different in other parts of UK.
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Hi @woodbineQuestion to your MP @woodbine, will your constituent pay income tax on his State Pension or because of his State Pension?Answer from said MP, most certainly not, we would never stoop so low and we do our utmost for the well being our most valued members of our society, those of State Pension age.
What the said MP, is utterly untruthful, based on your income (as you have correctly pointed out, a State Pension is taxable) on any income above the current £12500 tax allowance.
Its called political deception or more stronger language could be used.
I have the scars on my back, in dealing with my local MP, on this very subject.
Hope this helps. -
Many, many thanks for all your replies and helpful advice. I have some research to do. The only other benefits I get is council tax relief and warm home discount both of which are an enormous help. I guess once retirement looms it will be a matter of re-applying for these (although warm home discount is applied for each year anyway).
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Ps: I used the Government Gateway to obtain a pension forecast which came out at £196.78.
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All very interesting, I have been worried about my state pension in years to come as being on Standard rate PIP and nothing else as I have a small inheritance that is dwindling away on bills and food, also my ex partner a bookeeper totally messed up my pension credits while I was working part time and self employed, then helped herself to a 13K bonus from my investment towards my pension before packing her suitcase and leaving in a car I had paid for, oh well these things are sent to try us and she was clever enough to do it in a way the police could not help!
I hope to find some sort of work I can do and start paying some credits as my pot is very low not getting any credits for the last 10 years or so, first I need to convince the doctor to get me off some nasty pain medication and send me to pain management which is a trial in itself. A close friend recently told me to look into ESA and said it was a great help to her. -
Hi @Philonline
You've certainly been through the wringer! Also been on some nasty high dose morphine for 12 years which I'm trying to wean off without much success. Currently referred to/attending a pain course. The theory is fine but putting it into practice has not been very successful or useful in my case! Obviously I don't know your circumstances but deffo look into ESA at least. -
Mikka said:Many, many thanks for all your replies and helpful advice. I have some research to do. The only other benefits I get is council tax relief and warm home discount both of which are an enormous help. I guess once retirement looms it will be a matter of re-applying for these (although warm home discount is applied for each year anyway).Information I post is for England unless otherwise stated. Rules may be different in other parts of UK.
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Philonline said:I hope to find some sort of work I can do and start paying some credits
Information I post is for England unless otherwise stated. Rules may be different in other parts of UK. -
Thanks @calcotti once again! Good to know!
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Mikka said:Ps: I used the Government Gateway to obtain a pension forecast which came out at £196.78.2024 The year of the general election...the time for change is coming 💡
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