How would taking my private pension impact our benefits?

beetroot · June 2023

I am 61 and thinking about taking my private pension my husband already gets his but it’s taken off his esa is this correct they told me when I rang them that it’s both contributions and income based also he is disabled and in support group

poppy123456 · June 2023

A pension weekly/monthly income will reduce any Income Related ESA £1 for £1. For contributions based ESA pensions of up to £85/week are ignored. There's a 50p/week deduction for every £1 over this amount.

If part of his ESA is Income Related then there must be an amount included for you so your pension will reduce this £1 for £1.

If he's receiving more than £129.50/week then at least part of it will definitely be Income Related. For this reason i don't see any point in taking a weekly/monthly income from it.

Cher_Alumni · June 2023

Hello @beetroot and a warm welcome to our online community, how are you doing?

Has Poppy's answer helped clarify things in your mind about taking your private pension? I hope so! Any things unclear, please do ask away.

I've tweaked the title of your thread to help others find it, and hope you have a great weekend. All the best.

beetroot · June 2023

Hi my husband was getting £235.20 esa every 2 weeks since April it’s gone to £259 every 2 weeks his private pension is £207.45 every calendar month and I get carers for a disabled daughter is this right

calcotti · June 2023

beetroot said:

Hi my husband was getting £235.20 esa every 2 weeks since April it’s gone to £259 every 2 weeks his private pension is £207.45 every calendar month and I get carers for a disabled daughter is this right

With out knowing full details of your joint finances it isn’t possible to know whether the ESA is correct. Try using a benefits calculator.
https://benefits-calculator.turn2us.org.uk/

How would taking my private pension impact our benefits?

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