had to resign at 64 , what now?

benniebert

Londonsu wrote: »

As I read it the OP was worried that step change may suggest it not that they are going to go down that route which is why I have suggested Age UK who are better able to help as they are specifically there for people over 55 and not just a generic Debt Charity like step change

I agree, get all of the advice that they can. But my comment was meant as a warning of the possible consequences of bankruptcy.

benniebert

poppasmurf_bewdley wrote: »

So you are quite happy for someone who is sick (maybe with depression) to have to jump through hoops to get his or her money rather than get it in a simple, straightforward way?

eerrrr yes?


Doesn't everyone have to go through those hoops. Why make a special case for those over 60 but under 65?

Ames

benniebert wrote: »

Missing the point completely.


Claiming ESA and getting a top up with Pension Credit means that the claimant will have to undergo all that ESA involves - completing ESA50 forms, gathering evidence, assessments with ATOS, probably failing the assessment, preparing a submission and applying for a reconsideration, possible having to go to a Tribunal to get a final ruling on the claim. In the 5 years that I claimed ESA (60 - 65) I had to go twice to a tribunal to get the decisions overturned.


Claiming only Pension Credit would give the same amount of money but none of the hassle. You can sit back and watch the money roll in for no effort.


However being sick AND not having reached State Retirement age morally means claiming ESA and not taking the easy way out with Pension Credit.

So it's morally better to cost the taxpayer a fortune in assessments, tribunals and back to work support than it is to claim PC and get on with life (possibly including looking for work) quietly?

benniebert

Ames wrote: »

So it's morally better to cost the taxpayer a fortune in assessments, tribunals and back to work support than it is to claim PC and get on with life (possibly including looking for work) quietly?

What a wonderful idea.


Why should those that are over 60 but under 65 be given that special privilege? Surely in the interest of fairness and equality everybody of any age should be offered that alternative - JSA/ESA or IS/PC - take your pick. As you say with IS/PC you would get rid of 99% of assessments and tribunals for ESA, and help to cut costs for the DWP by closing 2 in every 3 JC+ offices as very few would actually be claiming JSA.


You can't have it for one sector of society based entirely on age to benefit from this and then not give it to everybody else - that is age discrimination.


However very shortly this particular problem will be solved - whereby no one, even if married, that is under State Pension Age will be allowed to claim PC thank goodness

rdr

head_above_water wrote: »

Thanks for all your replies, I appreciate it. I have an appointment with the Union on Thursday as I was I seeing them anyway about the fact that had done nothing about my dermatitis. I will update them and go from there. My wife works, she is on a temporary contract until May after being made redundant in Jan. she earns £1,300 a month. I will contact step change but I am worried they will suggest becoming bankrupt as I will have no income. we have no savings apart from her redundancy which will tide us over for 3 months mortgage.

we have been thinking of selling the house to release some money and rent somewhere. we have never rented before and I am concerned about the credit check due to my step change agreements. its a shame as we have just 20 months left of a 25 year mortgage, we are up to date so maybe they will give us a break.

I am just so confused at the moment and don't know where to turn, I have never claimed a penny before i have worked since I was 16. i will look into pension credits, my wife had to go on JSA for 3 weeks before she had this temp job so she will know where to send me. Thanks again

If your dermatitus was caused by your employer failling to manage the chemicals that caused it properly you are entitled to compensation for the loss that failure has caused you. Their failure to deal with you properly when the problem occured will count against them. Your union should help you with this. 6 figure sums have been obtained

Allergic dermatitus is a big issue in some industries and finnishes many promising careers. see http://www.hse.gov.uk/skin/employ/dermatitis.htm for more information.

Raising a concern with the HSE or local authority could strengthen you case.

cheekyweegit

Whilst your wife is working and if you are not well enough to work for what ever reason, I think ESA is the best option for you to claim if its contributions based ESA you will be awarded as this will not take into account your wife's current income.

When your wife finishes work put in a claim for Pension Credit where you may also be entitled to help with the interest payments on your mortgage from the start of your claim.

Your Pension Credit would be reassessed when you reach State Pension Age to check your entitlement as it's a means tested benefit.

Any questions, just ask.

superhooper1972

immoral my foot. my father was 62 when he lost his job. He was claiming JSA for a few months when someone at the job centre told him he should claim pension credit instead, which he did until he was 65 then he got his state pension. He deserved it anyway working his nuts off getting up at 4am for 47 years.

Just claim what your entitled to and ignore stupid immoral comments. you deserve it working flat out since you was 16. Good luck hope all goes well

dismissed1402

can anyone help me. i have my appeal hearing with my company next week. any advice?

i got dismissed for bring the company into disrepute. i have no official warnings ever. i was only in the company just under a year.

it was all to do with whistle blowing on a member of staff who was stealing for years before i started.

any help will be useful.

NYM

dismissed14/02 wrote: »

can anyone help me. i have my appeal hearing with my company next week. any advice?

i got dismissed for bring the company into disrepute. i have no official warnings ever. i was only in the company just under a year.

it was all to do with whistle blowing on a member of staff who was stealing for years before i started.

any help will be useful.

If you post your question on the Employment, Jobseeking and Training Board. section , you'll have more of a chance getting an answer.
Good luck.

patman99

I must admit, I agree with rdr. The op suffered a work-based illnes, so should be looking at a claim.

One thing that does need asking though, how many more payments do you have to the end of the mortgage and can you afford to keep up the payments whilst the DWP sort-out paying the interest on it.