What happens when IB stops but nearing retirement age.

EdInvestor

zzzLazyDaisy wrote: »

Also, as you are already in receipt of a state pension, I wonder if it is worth enquiring about a dependent's pension? If he was on a state pension with a much younger wife who was capable of working, but didn't work, he would get an extra £50 (I think) dependent's pension. So in theory, the same should be true for you. .

But not in fact - another little area of discrimination in the system.In order for a retired woman to claim dependant's allowance for a man SHE has to have been on IB before retiring as well as him. :mad:

TomsMom

zzzLazyDaisy wrote: »

You might want to discuss this with the specialist in more detail before worrying too much. It is entirely possible that the specialist made the comment because he thought it would encourage your OH and keep his spirits up. If he realises that OH is now worrying about it and stressing about losing his IB (which may have an adverse effect on his health) the specialist might clarify what he has said, and may qualify it by saying that equally he MAY NOT be well enough to work. PLEASE speak again to the specialist. It is quite possible that, at his age, and with his medical history, he may continue to get IB

Also, as you are already in receipt of a state pension, I wonder if it is worth enquiring about a dependent's pension? If he was on a state pension with a much younger wife who was capable of working, but didn't work, he would get an extra £50 (I think) dependent's pension. So in theory, the same should be true for you. You wouldn;t be entitled to it if he is on IB, but if he has no income whatsoever, then he is your dependent. I don't know the answer, but it is worth a phone call.

Thanks for that LazyDaisy. Actually, to clarify, he is not the one that is worrying, I suppose it's me that's thinking more about it. I'm a forward planner, he takes things day by day.

Once he got over the shock of being diagnosed out of the blue, he has been very very positive and he has never let it get him down. His attitude is "How dare this happen to me, I wont let it so let's just get on with it and get rid of this thing".

He has a wonderful consultant who doesn't believe in "kidology", he tells it like it is and both OH and the consultant are totally honest with each other.
But even if he's told he isn't in full remission when he goes back next month then the consultant will tell him what he's capable of doing.

Thanks again.

TomsMom

EdInvestor wrote: »

I seem to remember the MacMillan nurses also have a service helping cancer victims claim benefits - might be good to look into that, as it probably gets priority treatment in the system.

Thanks again Ed. I'm making a note of all this.

TomsMom

EdInvestor wrote: »

But not in fact - another little area of discrimination in the system.In order for a retired woman to claim dependant's allowance for a man SHE has to have been on IB before retiring as well as him. :mad:

Actually, I was on IB. For the last few years I was receiving this for ME/CFS. Upon reaching my 60th birthday I was told the IB would stop and my state pension would start.

dancingmeggy

Hi Just a quick message if your husband feels like he is ready and really wants to go back to work once his treatment is over then there is also an eligibility for Jobseekers Allowance (contributions based with the amount of savings you have). If he would like to claim he would need to ring the freephone number that is on https://www.jobcentreplus.gov.uk and they will take him through the claim on the telephone and at the end of that they will make him an appointment to see a personal advisor at his local jobcentre where they will go through his personal circumstances and what kinds of job he can do etc and they may have something that is ideal for him? i work for one of the contact centres that do this so i do have a bit of knowledge just a word of warning though at the end of the first part of the call they will ask if he would like to claim pension credit instead or even oh you are better claiming pension credit instead as some contact centres have been known to do!, he should tell them no and they will continue with the claim for JSA for him as from my experience we have had people ringing us back to say pension credit have said i have to be 65 and then had to go through the claim again for JSA. Hope this helps x

zzzLazyDaisy

EdInvestor wrote: »

But not in fact - another little area of discrimination in the system.In order for a retired woman to claim dependant's allowance for a man SHE has to have been on IB before retiring as well as him. :mad:

Then it is time the Equality Commission took this to the ECJ - it wouldn't come in time to help OP, granted, but it is the only way to challenge institutional discrimination in the benefits system (if you remember, the same challenge was made for free prescriptions and winter fuel payments to be made available to men at 60, for equality with women).

Grrrrrrrrrr

Sorry for raising your hopes OP

zzzLazyDaisy

TomsMom wrote: »

Actually, I was on IB. For the last few years I was receiving this for ME/CFS. Upon reaching my 60th birthday I was told the IB would stop and my state pension would start.

Oh, just read this. So it IS worth a phone call, as you may qualify for the dependent's pension. Do please let us know how you go on with this x

zzzLazyDaisy

I just had another thought - what about him going self employed? Does he have some sort of skill that he could put to use?

If he has been on qualifying benefits in the previous 6 months (such as IB) he gets extra tax credits for the first year. He also gets extra tax credits for being over 50.

Savings don't count, but income from savings does - however, crucially in your case, interest on ISAs and other tax free savings, such as premium bonds and tax free NS&I is not takn into account.

Your pension would be taken into account, but the inland revenue accept that there may be no income from a new business in the first years due to start up costs, building up a client base, etc etc.

I am considering this route myself as a way of coming off IB and can forward more information if you pm me your e-mail address

TomsMom

zzzLazyDaisy wrote: »

I just had another thought - what about him going self employed? Does he have some sort of skill that he could put to use?

He was self-employed until he became ill. We had a restaurant and have had to sell this because his consultant told him he couldn't work in close contact with the public due to his immune system being compromised whilst on chemo. This also meant that our home was sold with it as we live above and we have had to buy another house.

Unfortunately he doesn't have another skill to start another business, and being 61 he'd rather not start up again so close to retirement age.

EdInvestor

See 2.3 - 2.4

http://www.ageconcern.org.uk/AgeConcern/Documents/FS19The_State_Pension.pdf