pension credit advice please

vicki84

Hi

Just looking for some advice please I have tried searching the web but cannot find anything relevant. My mum currently lives with me but is coming up to retirement soon. She does not have any significant pensions.

Would she be eligibility for pension credits or does the fact she lives with me and I work full time mean she would not be able to claim?

Thanks for reading.

McKneff

https://www.gov.uk/pension-credit/overview

pmlindyloo

vicki84 wrote: »

Hi

Just looking for some advice please I have tried searching the web but cannot find anything relevant. My mum currently lives with me but is coming up to retirement soon. She does not have any significant pensions.

Would she be eligibility for pension credits or does the fact she lives with me and I work full time mean she would not be able to claim?

Thanks for reading.

Your mum is entitled to pension credit in her own right (if she is eligible) regardless of the fact that she is living with you and you are working.

It is a means tested benefit so any income/savings she has would be taken into account as would that of a partner/husband.

If you tell us her age and income etc we could give you an idea if she is eligible.

xylophone

Is your mother eligible to claim her state pension?

https://www.gov.uk/calculate-state-pension

vicki84

Thank you all for your replies I have just started helping her look into this as she as received a letter saying she can start claiming state pension from November.

She was born January 1953 I really appreciate your help the more I read the more confused I get. She does really have much savings less then £2000.

pmlindyloo

vicki84 wrote: »

Thank you all for your replies I have just started helping her look into this as she as received a letter saying she can start claiming state pension from November.

She was born January 1953 I really appreciate your help the more I read the more confused I get. She does really have much savings less then £2000.

So she can't start getting pension credit age yet so what is she living on now?

vicki84

She is still working at the moment

cliffandsue

When you are of age to claim your State Pension, you can claim Pension Credit.
On the assumption that there are no disabilities involved, she would get a maximum of £151.20 a week less her State Pension and any other income coming in.
Pension Credit is seen as a top up benefit.

pmlindyloo

cliffandsue wrote: »

When you are of age to claim your State Pension, you can claim Pension Credit.
On the assumption that there are no disabilities involved, she would get a maximum of £151.20 a week less her State Pension and any other income coming in.
Pension Credit is seen as a top up benefit.

Just to clarify that this does not apply to men.

Men can claim Pension Credit when they are at the same age as a woman's state pension age. (ie the same birth date). Men do not have to wait for their state pension age to apply for Pension Credit.

cliffandsue

pmlindyloo Thank you for the additional information. However we are talking about a female (the OP's mum) so it wasn't considered necessary for me to confuse the issue by talking about the difference between a male and female applicant. I kept it simple and to the point.

NYM

I think that pmlindyloo was just stating that men can claim it earlier than their SP age....just in case a man was reading and unsure of when he would be able to claim it.