Guaranteed Pension credit - Mortgage Interest

margaretclare

oldboy64 wrote: »

That's the very minimum amount - it can go considerably higher - as in our case it is £407.65 a week.

It can go as high as £553.80 a week on Guaranteed Pension Credit.
Plus up to another £213.55 on top in respect of additional disability payments.

So, come on, how can it 'go considerably higher'? DH and I may be missing out - even though we think we have enough for our needs, enough to save, and enough to live comfortably and to do all the things we want to do. But - never let it be said that we left a stone unturned.

iris

margaretclare wrote: »

So, come on, how can it 'go considerably higher'? DH and I may be missing out - even though we think we have enough for our needs, enough to save, and enough to live comfortably and to do all the things we want to do. But - never let it be said that we left a stone unturned.

I have just tried the figures on the turn2us web site and they appear to be correct, give or take a few £s!

I have put in ages of 64 and 71 with a £60,000 mortgage and claiming Carers benefit (but not in payment) for both.

He also claims ESA.

Try the website yourself and see if you agree with me.

lld01

margaretclare wrote: »

So, come on, how can it 'go considerably higher'? DH and I may be missing out - even though we think we have enough for our needs, enough to save, and enough to live comfortably and to do all the things we want to do. But - never let it be said that we left a stone unturned.

It can go up to the figures the o/p has quoted, with 2 x severe disability premiums, 2 x carers premiums and £100k allowable mortgage assistance. Possibly higher again with service charge assistance.

But we all know the o/p is a troll with numerous AEs so the fact he is actually receiving these amounts is more than likely complete fantasy.

oldboy64

lld01 wrote: »

It can go up to the figures the o/p has quoted, with 2 x severe disability premiums, 2 x carers premiums and £100k allowable mortgage assistance. Possibly higher again with service charge assistance.

But we all know the o/p is a troll with numerous AEs so the fact he is actually receiving these amounts is more than likely complete fantasy.

Thanks for confirming what I have been saying.

As for having to prove that this is what we get - there isn't much I can give. It's up to you if you believe me or not - I don't personally care.
What was annoying me were the many comments that no one could ever receive the level of income we get under Pension Credit. We do, so it doesn't really matter does it?

Fantasy? Is it? If that is what you believe, OK.
As for being a troll, move on - not at all - Believe what you want - but what I will say is that it does take a lot of hard work and time to understand the system and that you have to keep on top of everything on a weekly basis.

princessdon

So how come people like my gran who is also disabled is entitled to zero pension credit. She gets full state pension and a small private pension.

As a result she gets nothing and pays full rent and council tax on her sheltered accommodation due to savings?

Now her house is sold shed not be entitled anyway, but we were informed that as she wasn't entitled to pension credit and had savings over £16,000 there was no help available?

margaretclare

lld01 wrote: »

It can go up to the figures the o/p has quoted, with 2 x severe disability premiums, 2 x carers premiums and £100k allowable mortgage assistance. Possibly higher again with service charge assistance.

But we all know the o/p is a troll with numerous AEs so the fact he is actually receiving these amounts is more than likely complete fantasy.

Yes, I know that, but it's interesting nevertheless.

DH and I wouldn't get any of the items listed, but good to know that I hadn't got the maths wrong.

I'm fascinated by the woman who needs help getting in and out of bed but who can go shopping for designer handbags. When would anyone want a designer handbag, unless for the Queen's garden party or some such? And for the top-of-the-range car with no road fund licence to pay. DH can only get into the driver's seat of our car, hence I can only get to drive it when I'm on my own. We get no kind of help with that, as it's assumed, over 65, we don't need to drive. We do, of course. We'd go nowhere if we didn't drive.

margaretclare

iris wrote: »

I have just tried the figures on the turn2us web site and they appear to be correct, give or take a few £s!

I have put in ages of 64 and 71 with a £60,000 mortgage and claiming Carers benefit (but not in payment) for both.

He also claims ESA.

Try the website yourself and see if you agree with me.

Thank you for this. We probably wouldn't qualify as, both being 70+, we wouldn't get carers' benefit, or mortgage interest payment (equity release, we don't pay it!)

margaretclare

princessdon wrote: »

So how come people like my gran who is also disabled is entitled to zero pension credit. She gets full state pension and a small private pension.

As a result she gets nothing and pays full rent and council tax on her sheltered accommodation due to savings?

Now her house is sold she'd not be entitled anyway, but we were informed that as she wasn't entitled to pension credit and had savings over £16,000 there was no help available?

Yes, how come indeed?

I'll bet any money that your gran, although disabled, is not 'disabled' enough to qualify for any of those disability benefits that oldboy and his missus get.

I tried putting in our figures into the suggested site, but the incomes we get between us plus savings that we each have (S&S ISAs) put us out of court immediately.

lld01

princessdon wrote: »

So how come people like my gran who is also disabled is entitled to zero pension credit. She gets full state pension and a small private pension.

As a result she gets nothing and pays full rent and council tax on her sheltered accommodation due to savings?

Now her house is sold shed not be entitled anyway, but we were informed that as she wasn't entitled to pension credit and had savings over £16,000 there was no help available?

Without precise figures its hard to do a calculation but I can only assume that her income and saving were more than the applicable amount.

xylophone

So how come people like my gran who is also disabled is entitled to zero pension credit. She gets full state pension and a small private pension.

Read carefully through this http://www.ageuk.org.uk/Documents/EN-GB/Factsheets/FS48_Pension_Credit_fcs.pdf?dtrk=true