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    • melbury
    • By melbury 12th Jul 17, 4:53 PM
    • 9,565Posts
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    melbury
    Pension Credit?
    • #1
    • 12th Jul 17, 4:53 PM
    Pension Credit? 12th Jul 17 at 4:53 PM
    My OH gets ESA (support group) and has received a letter today from Jobcentreplus, which neither of us really understands.

    It says, quote:

    "We are writing to you because our records show that you will reach the minimum state pension credit age in November 2017.

    Although ESA can continue to be paid until they reach their state pension age, there may be another option available to you. People of minimum state pension credit age or over may be entitled to Pension Credit. However, ESA (Income Based) and pension credit cannot be paid at the same time. You need to decide which one you want to receive.


    My OH is due to receive state pension next year.

    Has anyone else come across this?

    Thanks.
    Stopped smoking 27/12/2007, but could start again at any time

Page 1
    • Torry Quine
    • By Torry Quine 12th Jul 17, 4:57 PM
    • 16,857 Posts
    • 25,682 Thanks
    Torry Quine
    • #2
    • 12th Jul 17, 4:57 PM
    • #2
    • 12th Jul 17, 4:57 PM
    Once someone reaches female state pension age they can claim pension credit. This is means tested but doesn't gave the medical assessments. It really is up to you dependent on circumstances.
    Life is like riding a bicycle, to keep your balance you must keep moving . Albert Einstein.

    I can bear pain myself, he said softly, but I couldna bear yours. That would take more strength than I have -
    Diana Gabaldon, Outlander
    • Alice Holt
    • By Alice Holt 12th Jul 17, 6:08 PM
    • 1,247 Posts
    • 1,339 Thanks
    Alice Holt
    • #3
    • 12th Jul 17, 6:08 PM
    • #3
    • 12th Jul 17, 6:08 PM
    It may be worth you both visiting your local CAB to get a benefits calculation to assess which may be the best option.

    May also be worth looking at PIP eligibility before your OH reaches SPA.
    https://www.citizensadvice.org.uk/benefits/sick-or-disabled-people-and-carers/pip/before-claiming/check-you-are-eligible/
    • melbury
    • By melbury 12th Jul 17, 6:24 PM
    • 9,565 Posts
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    melbury
    • #4
    • 12th Jul 17, 6:24 PM
    • #4
    • 12th Jul 17, 6:24 PM
    Once someone reaches female state pension age they can claim pension credit. This is means tested but doesn't gave the medical assessments. It really is up to you dependent on circumstances.
    Originally posted by Torry Quine
    Sorry I wasn't very clear - it is my husband who received the letter, not me. So does the same thing apply?
    Stopped smoking 27/12/2007, but could start again at any time

    • Torry Quine
    • By Torry Quine 12th Jul 17, 6:35 PM
    • 16,857 Posts
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    Torry Quine
    • #5
    • 12th Jul 17, 6:35 PM
    • #5
    • 12th Jul 17, 6:35 PM
    Sorry I wasn't very clear - it is my husband who received the letter, not me. So does the same thing apply?
    Originally posted by melbury
    You were clear and I was meaning this applies to your husband
    Life is like riding a bicycle, to keep your balance you must keep moving . Albert Einstein.

    I can bear pain myself, he said softly, but I couldna bear yours. That would take more strength than I have -
    Diana Gabaldon, Outlander
    • melbury
    • By melbury 14th Jul 17, 5:42 PM
    • 9,565 Posts
    • 14,115 Thanks
    melbury
    • #6
    • 14th Jul 17, 5:42 PM
    • #6
    • 14th Jul 17, 5:42 PM
    Once someone reaches female state pension age they can claim pension credit. This is means tested but doesn't gave the medical assessments. It really is up to you dependent on circumstances.
    Originally posted by Torry Quine
    So if you have any savings over a certain amount, then presumably you cannot claim it.

    Would they also take my earnings into account, or is it purely my husband's, which is ESA?
    Stopped smoking 27/12/2007, but could start again at any time

    • p00hsticks
    • By p00hsticks 14th Jul 17, 6:54 PM
    • 5,482 Posts
    • 5,025 Thanks
    p00hsticks
    • #7
    • 14th Jul 17, 6:54 PM
    • #7
    • 14th Jul 17, 6:54 PM
    So if you have any savings over a certain amount, then presumably you cannot claim it.

    Would they also take my earnings into account, or is it purely my husband's, which is ESA?
    Originally posted by melbury
    I may be wrong but I though both income based ESA and Pension credit took a partners income into account
    • anmarj
    • By anmarj 14th Jul 17, 7:05 PM
    • 1,573 Posts
    • 1,226 Thanks
    anmarj
    • #8
    • 14th Jul 17, 7:05 PM
    • #8
    • 14th Jul 17, 7:05 PM
    Yes Pension Credit will take the earnings into account as it is means tested. There is no upper limit for savings, but anything other £10k is taken into account at a rate of £1 for every £500 above the £10k
    mummy to one

    "A little knowledge is a dangerous thing"
    • melbury
    • By melbury 14th Jul 17, 9:16 PM
    • 9,565 Posts
    • 14,115 Thanks
    melbury
    • #9
    • 14th Jul 17, 9:16 PM
    • #9
    • 14th Jul 17, 9:16 PM
    Yes Pension Credit will take the earnings into account as it is means tested. There is no upper limit for savings, but anything other £10k is taken into account at a rate of £1 for every £500 above the £10k
    Originally posted by anmarj
    Oh I see, so they would take my earnings into account then, as well as savings.

    Thanks for clarifying that.
    Stopped smoking 27/12/2007, but could start again at any time

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