New State Pension and Housing Benefit and Council Tax Rebate Entitlement
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Hello
I would like to raise a pertinent issue please regarding the New State Pension of £203.85 per week and those with disabilities and over Pension Credit age, and how it now financially adversely affects their ongoing entitlement to Full Housing Benefit and Council Tax Rebate.
The Crux of the Matter is the New State Pension, because
a retired couple both now receiving the New State Pension,
are automatically pushed over the Applicable Amount Limit
for Full Housing Benefit and Council Tax Rebate, with no
Opt Out mechanism or Leave of Appeal available to them.
Any extra income increase derived from the New State Pension
is also automatically clawed back by the Housing Benefit,
with the equal loss of Housing Benefit and Council Tax Rebate,
notwithstanding the additional loss of Pension Credit and all its associated
entitlements, like Free Dental Care etc.
So in essence, retired couples previously in receipt of Full Housing Benefit and Council Tax Rebate under Pension Credit, now both in receipt of the New State
Pension are undoubtedly financially worse off, with the additional
headache, strain and anxiety of having to make up the Shortfall
in Housing Benefit and Council Tax for the rest of their natural lives.
Not something that should be inflicted on Old Age Pensioners, especially with disabilities, I believe in the Twilight of their lives.
Comments
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The new SRP is the best thing that has happened in years, I've got 18 months to wait for mine but currently it will be in excess of £250 almost double my ESA2024 The year of the general election...the time for change is coming 💡
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The new SP was set to reduce the numbers claiming Pension Credit.
Be aware however that if pensioners have disabilities and get a disability benefit they may qualify for Severe Disability Premium or their partner might qualify for Carer Allowance. The extra premiums could result in Pension Credit in which case full HB and CTR would apply.corvid3853 said:.So in essence, retired couples previously in receipt of Full Housing Benefit and Council Tax Rebate under Pension Credit, now both in receipt of the New StatePension are undoubtedly financially worse off,Information I post is for England unless otherwise stated. Rules may be different in other parts of UK. -
calcotti said:The new SP was set to reduce the numbers claiming Pension Credit.
Be aware however
If pensioners have disabilities and get a disability benefit they may qualify for Severe Disability Premium or their partner might qualify for Carer Allowance. The extra premiums could result in Pension Credit in which case full HB and CTR would apply.That is true. But pensioners over Pension Credit age can not claim for the Disability Premium. For to be eligible for the Severe Disability Premium, You must get the disability premium or income-related ESA, and one of the following qualifying benefits:- PIP daily living component
- AFIP
- DLA care component at the middle or highest rate
- Adult Disability Payment - daily living component at the standard or enhanced rate
- Attendance Allowance (or Constant Attendance Allowance paid with Industrial Injuries Disablement Benefit or War Pension)
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corvid3853 said:That is true. But pensioners over Pension Credit age can not claim for the Disability Premium. For to be eligible for the Severe Disability Premium, You must get the disability premium or income-related ESA, and one of the following qualifying benefits:
- PIP daily living component
- AFIP
- DLA care component at the middle or highest rate
- Adult Disability Payment - daily living component at the standard or enhanced rate
- Attendance Allowance (or Constant Attendance Allowance paid with Industrial Injuries Disablement Benefit or War Pension)
The SDP can be included in Pension Credit if the qualifying conditions are met. These are receiving a qualifying disability benefit, any other adult they with must also get a qualifying benefit and nobody is reviving a carer benefit for looking after them.
You also mentioned ESA which is also irrelevant. A pensioner cannot be getting ESA.
Saying the disability premium or income based ESA is needed in order to get SDP is incorrect for PC. The website you have quoted does not deal with PC (and only think it didn’t quck correct for HB requirements).
Information I post is for England unless otherwise stated. Rules may be different in other parts of UK. -
corvid3853 said:calcotti said:The new SP was set to reduce the numbers claiming Pension Credit.
Be aware however
If pensioners have disabilities and get a disability benefit they may qualify for Severe Disability Premium or their partner might qualify for Carer Allowance. The extra premiums could result in Pension Credit in which case full HB and CTR would apply.That is true. But pensioners over Pension Credit age can not claim for the Disability Premium. For to be eligible for the Severe Disability Premium, You must get the disability premium or income-related ESA, and one of the following qualifying benefits:- PIP daily living component
- AFIP
- DLA care component at the middle or highest rate
- Adult Disability Payment - daily living component at the standard or enhanced rate
- Attendance Allowance (or Constant Attendance Allowance paid with Industrial Injuries Disablement Benefit or War Pension)
I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.If i see a question that i know the answer to i will try my best to help. -
[deleted]
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calcotti said:corvid3853 said:That is true. But pensioners over Pension Credit age can not claim for the Disability Premium. For to be eligible for the Severe Disability Premium, You must get the disability premium or income-related ESA, and one of the following qualifying benefits:
- PIP daily living component
- AFIP
- DLA care component at the middle or highest rate
- Adult Disability Payment - daily living component at the standard or enhanced rate
- Attendance Allowance (or Constant Attendance Allowance paid with Industrial Injuries Disablement Benefit or War Pension)
The SDP can be included in Pension Credit if the qualifying conditions are met. These are receiving a qualifying disability benefit, any other adult they with must also get a qualifying benefit and nobody is reviving a carer benefit for looking after them.
You also mentioned ESA which is also irrelevant. A pensioner cannot be getting ESA.
Saying the disability premium or income based ESA is needed in order to get SDP is incorrect for PC. The website you have quoted does not deal with PC (and only think it didn’t quck correct for HB requirements).calcotti said:corvid3853 said:That is true. But pensioners over Pension Credit age can not claim for the Disability Premium. For to be eligible for the Severe Disability Premium, You must get the disability premium or income-related ESA, and one of the following qualifying benefits:- PIP daily living component
- AFIP
- DLA care component at the middle or highest rate
- Adult Disability Payment - daily living component at the standard or enhanced rate
- Attendance Allowance (or Constant Attendance Allowance paid with Industrial Injuries Disablement Benefit or War Pension)
The SDP can be included in Pension Credit if the qualifying conditions are met. These are receiving a qualifying disability benefit, any other adult they with must also get a qualifying benefit and nobody is reviving a carer benefit for looking after them.
You also mentioned ESA which is also irrelevant. A pensioner cannot be getting ESA.
Saying the disability premium or income based ESA is needed in order to get SDP is incorrect for PC. The website you have quoted does not deal with PC (and only think it didn’t quck correct for HB requirements).
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corvid3853 said:We may be at cross purposes here I am actually referring to Housing Benefit Entitlement not Pension Credit. I only mentioned that you can't claim Disability Premium for Housing Benefit if you are over Pension Credit age.
I still do not to see the relevance of Disability Premium. The DP increases the personal allowance for a qualifying working age claimant. A pensioner already has a higher personal allowance for HB which is significantly higher.Information I post is for England unless otherwise stated. Rules may be different in other parts of UK. -
calcotti said:The new SP was set to reduce the numbers claiming Pension Credit.
Be aware however that if pensioners have disabilities and get a disability benefit they may qualify for Severe Disability Premium or their partner might qualify for Carer Allowance. The extra premiums could result in Pension Credit in which case full HB and CTR would apply.corvid3853 said:.So in essence, retired couples previously in receipt of Full Housing Benefit and Council Tax Rebate under Pension Credit, now both in receipt of the New StatePension are undoubtedly financially worse off,
Specifically, I am talking about pensioner couples, where one was claiming the New State Pension previously set at £175.20 per week before the Triple Lock Rise in April 2023, and also claiming Pension Credit for their younger partner. -
corvid3853 said:.Specifically, I am talking about pensioner couples, where one was claiming the New State Pension previously set at £175.20 per week before the Triple Lock Rise in April 2023, and also claiming Pension Credit for their younger partner.
provide full details of your example and we would be able to look at the impact. If the younger partner has no income then the old partner is still going to be entitled to Pension Credit. Without details it’s not possible to assess the situation.
As an aside, full SP was £185.15/week last year, not £175.20. Someone was getting £175.20 last year they will not be getting £203.85 now.Information I post is for England unless otherwise stated. Rules may be different in other parts of UK. -
poppy123456 said:corvid3853 said:calcotti said:The new SP was set to reduce the numbers claiming Pension Credit.
Be aware however
If pensioners have disabilities and get a disability benefit they may qualify for Severe Disability Premium or their partner might qualify for Carer Allowance. The extra premiums could result in Pension Credit in which case full HB and CTR would apply.That is true. But pensioners over Pension Credit age can not claim for the Disability Premium. For to be eligible for the Severe Disability Premium, You must get the disability premium or income-related ESA, and one of the following qualifying benefits:- PIP daily living component
- AFIP
- DLA care component at the middle or highest rate
- Adult Disability Payment - daily living component at the standard or enhanced rate
- Attendance Allowance (or Constant Attendance Allowance paid with Industrial Injuries Disablement Benefit or War Pension)
I am referring to Housing Benefit Entitlement not Pension Credit.
Too quick to make judgement here without establishing the facts. -
calcotti said:corvid3853 said:.Specifically, I am talking about pensioner couples, where one was claiming the New State Pension previously set at £175.20 per week before the Triple Lock Rise in April 2023, and also claiming Pension Credit for their younger partner.
provide full details of your example and we would be able to look at the impact. If the younger partner has no income then the old partner is still going to be entitled to Pension Credit. Without details it’s not possible to assess the situation.
As an aside, full SP was £185.15/week last year, not £175.20. Someone was getting £175.20 last year they will not be getting £203.85 now.
The case I am referring to is the younger partner has now received the New State Pension of £203.85, thereby ending entitlement to Pension Credit. -
corvid3853 said:The full rate of the new State Pension was actually £175.20 per week (in 2019/20). That is what I was citing..corvid3853 said:Specifically, I am talking about pensioner couples, where one was claiming the New State Pension previously set at £175.20 per week before the Triple Lock Rise in April 2023, and also claiming Pension Credit for their younger partner.corvid3853 said:Again it is not an assumption, I never make assumptions, I only deal in facts and figures.I am referring to Housing Benefit Entitlement not Pension Credit.There is no requirement to get Disability Premium in order to get SDP in HB.seethe Housing Manual volumeThings see to keep shifting around in your posts and I’m giving up of this threadcorvid3853 said:The case I am referring to is the younger partner has now received the New State Pension of £203.85, thereby ending entitlement to Pension Credit.
Information I post is for England unless otherwise stated. Rules may be different in other parts of UK. -
calcotti said:corvid3853 said:The full rate of the new State Pension was actually £175.20 per week (in 2019/20). That is what I was citing..corvid3853 said:Specifically, I am talking about pensioner couples, where one was claiming the New State Pension previously set at £175.20 per week before the Triple Lock Rise in April 2023, and also claiming Pension Credit for their younger partner.corvid3853 said:Again it is not an assumption, I never make assumptions, I only deal in facts and figures.I am referring to Housing Benefit Entitlement not Pension Credit.There is no requirement to get Disability Premium in order to get SDP in HB.seethe Housing Manual volumeThings see to keep shifting around in your posts and I’m giving up of this threadcorvid3853 said:The case I am referring to is the younger partner has now received the New State Pension of £203.85, thereby ending entitlement to Pension Credit.
And for the avoidance of doubt again, I am not referirng to SDP in HB, I am referring to the fact that a pension couple over over Pension Credit age, are not entitled to the Disability Premium for Housing Benefit. -
corvid3853 said:
And for the avoidance of doubt again, I am not referirng to SDP in HB, I am referring to the fact that a pension couple over over Pension Credit age, are not entitled to the Disability Premium for Housing Benefit.
The disability premium only applies to working age people. Those of state pension age and above are not of working age. Anyway, i'm out now.
I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.If i see a question that i know the answer to i will try my best to help. -
poppy123456 said:corvid3853 said:
And for the avoidance of doubt again, I am not referirng to SDP in HB, I am referring to the fact that a pension couple over over Pension Credit age, are not entitled to the Disability Premium for Housing Benefit.
The disability premium only applies to working age people. Those of state pension age and above are not of working age. Anyway, i'm out now. -
corvid3853 said:poppy123456 said:corvid3853 said:
And for the avoidance of doubt again, I am not referirng to SDP in HB, I am referring to the fact that a pension couple over over Pension Credit age, are not entitled to the Disability Premium for Housing Benefit.
The disability premium only applies to working age people. Those of state pension age and above are not of working age. Anyway, i'm out now.calcotti said:I still do not to see the relevance of Disability Premium. The DP increases the personal allowance for a qualifying working age claimant. A pensioner already has a higher personal allowance for HB which is significantly higher.
https://www.gov.uk/government/publications/benefit-and-pension-rates-2023-to-2024/benefit-and-pension-rates-2023-to-2024
Information I post is for England unless otherwise stated. Rules may be different in other parts of UK. -
You must be receiving Disability Premium in order to get Severe Disability Premium for Housing Benefit..
See link below please.
https://www.homecare.co.uk/advice/how-to-claim-disability-premiums-severe-and-enhanced
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corvid3853 said:
You must be receiving Disability Premium in order to get Severe Disability Premium for Housing Benefit..
See link below please.
https://www.homecare.co.uk/advice/how-to-claim-disability-premiums-severe-and-enhancedcalcotti said:There is no requirement to get Disability Premium in order to get SDP in HB.seethe Housing Manual volumeInformation I post is for England unless otherwise stated. Rules may be different in other parts of UK. -
One link contradicts the other. Both of them can't be correct.
To be eligible for Severe Disability Premium, you must get the Disability Premium or income-related Employment and Support Allowance (ESA). You must also receive one of the following benefits:
- Daily living component of Personal Independence Payment (PIP)
- Armed Forces Independence Payment (AFIP)
- Middle or highest rate of the Disability Living Allowance care component
- Attendance Allowance or Constant Attendance Allowance funded with Industrial Injuries Disablement Benefit or War Pension
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