Incapacity Benefit and State Pension

joedoe

Allen.H wrote: »

Thanks EdInvestor and KatyKat excellent Advice. I am not eligible for Pension Credit as I have a Firms pension. I will look into the fact that I may be able to hang onto the IB for a bit longer. It's a pity that the pensions Board did not inform me of this fact when I spoke on the telephone to them when applying for the State Pension

hi can you tell me if you were successful in hanging on to the incapacity benefit as i am in the same position

anmarj

As stated in the other post, IB can only carry on a the lower rate for 52 weeks past state pension age, and does not count towards the SP deferment, the only benefit where you have a choice is Severe Disablement Allowance paid to those who were sick but not paid enough contributions to get IB, this is the only benefit were you have a choice of staying on it if it is less than your state pension

https://forums.moneysavingexpert.com/discussion/3101692

Nanny35

My husband was on IB long term, he wasn't given the choice of having either/or. When he was 65 it stopped and his state pension kicked in. But... A friend of mine also had the same happen to him when he turned 65, but a few months ago, his former bosses, (the fire brigade) asked him to fill a form in that told all of the benefits he was getting, he returned the form and then heard from IB with a very large cheque, as it appears he should have still been getting the IB along with his pension, he had over 3 years back-pay paid to him.
Why would it be different for him to my husband and all of you...??

cyclonebri1

SnowMan wrote: »

Long term incapacity benefit (IB) ceases at State Pension Age so age 65 for a male.

Short term IB can sometimes continue until age 70 (for a male) provided the 364 days of IB at the short term rate has not run out by SPA and the period of incapacity for work began before SPA and subject to sufficient NI to qualify you for a category A state pension (or category B based on deceased spouse). However as you are on long term IB this doesn't apply to you.

Edit: Worth saying also that Incapacity Benefit replaced invalidity benefit on 13 April 1995. Some of those on invalidity benefit prior to 13 April 1995 continue to receive a a higher transitional rate of long term IB. I'm not sure of the detail. But I am assuming that this stops at SPA in the same way that the normal long term IB stops at SPA.

Thats always been my understanding of it too;)

Thicko2

Why should the state pay incapacity benefit to someone over retirement age?

I cannot understand why people would expect this at a conceptual level.

Mojisola

Depending on what the effects of the health problems are a pensioner might be entitled to Attendance Allowance in addition to the pension.

cyclonebri1

Thicko2 wrote: »

Why should the state pay incapacity benefit to someone over retirement age?

I cannot understand why people would expect this at a conceptual level.

To be honest they don't but all this change in the state pension age has really muddied the waters;),

de1amo

people with illness have more demands on their limited funds--care needs! which is why they need things like attendance allowance and these extra payments on top of the normal oap

Thicko2

I can certainly understand access to other benefits such as attendance allowance etc.

But incapacity benefit is for when you are unable to work, not for boosting an individuals' income compared to a normal pensioner reliant solely on the state pension and associated pension credit and such benefits. The 'incapacitated person' can of course claim these as well.

I do not feel they should be in a better financial position that is funded by the state in comparison to a normal pensioner who is reliant on the state.

cyclonebri1

Thicko2 wrote: »

I can certainly understand access to other benefits such as attendance allowance etc.

But incapacity benefit is for when you are unable to work, not for boosting an individuals' income compared to a normal pensioner reliant solely on the state pension and associated pension credit and such benefits. The 'incapacitated person' can of course claim these as well.

I do not feel they should be in a better financial position that is funded by the state in comparison to a normal pensioner who is reliant on the state.

That's exactly why the payment ends at state retirement, problem is the confusion over when state retirement starts, (I asume),