what can i expect when at retirement age?

missbiggles1

I don't think it's a terribly good idea to be so rude to people who are trying to help you.

missbiggles1

homealone wrote: »

thank you, i assumed when retired you wouldnt be able to claim incapacity as for dla/pip i too was under impression it stopped

ESA is an income replacement benefit so stops when your SRP kicks in - DLA/PIP aren't so you can carry on claiming if you're still eligible.

Correted typo - not DLA.

homealone_2

missbiggles1 wrote: »

I don't think it's a terribly good idea to be so rude to people who are trying to help you.

did you actually read their comments, before you tell me i am being rude!!

there was no help offered, they just assumed i am sitting here reaping in benefits that they think i may not be entitled to. thats what i think is rude!!

homealone_2

missbiggles1 wrote: »

DLA is an income replacement benefit so stops when your SRP kicks in - DLA/PIP aren't so you can carry on claiming if you're still eligible.

thank you very much, that has helped with my concerns, i was very worried that i would not be able to pay my bills and cover my responsibilities

pmlindyloo

missbiggles1 wrote: »

DLA is an income replacement benefit so stops when your SRP kicks in - DLA/PIP aren't so you can carry on claiming if you're still eligible.

DLA/PIP is NOT an income replacement benefit.

It can continue when you have reached state pension age.

OP, to be honest, any advice we give at the moment is likely to be completely different to what will be happening when you retire. There is no point in worrying about it now. Since you are paying bedroom tax it might be sensible to consider moving to a smaller property. This would at least reduce your expenditure.

You could also check (some excellent advice on this site) that you are minimising your expenditure where possible. For instance, making sure you are on the lowest tariff for electricity, finding the best deals for mobile phones etc. In other words giving your budget an overhaul. You could post on the DebtFree Wannabe forum - they are experts at reducing expenditure. If you could start putting away a little 'nest egg' then that would make good financial sense.

xylophone

my company wont continue to pay the protection plan for ever, so may want me to take redundancy or at 52 to retire early.

Have you explored the possibility of taking your pension early on the grounds of ill health?

If you have a defined benefit type pension you may find that this, together with PIP is enough to provide a reasonable standard of living?

With regard to your state pension, have you obtained a new state pension statement?

https://www.gov.uk/yourstatepension?utm_source=Mail-Online&utm_medium=Partnership&utm_campaign=GTKY

homealone_2

thank you, it does seem like a mine field. the reading of the gov web site and other forums had me so confused. from what i read it seemed to depend on when you were born, if you were to still qualify and that some people upon retirement age needed to claim attendance allowance and by then my head was so spinning that i could not read up on that too.i have indeed already started economising as much as i can. i have just switched energy suppliers amongst other things so that i can try to put a few pennies away

homealone_2

xylophone wrote: »

Have you explored the possibility of taking your pension early on the grounds of ill health?

If you have a defined benefit type pension you may find that this, together with PIP is enough to provide a reasonable standard of living?

With regard to your state pension, have you obtained a new state pension statement?

https://www.gov.uk/yourstatepension?utm_source=Mail-Online&utm_medium=Partnership&utm_campaign=GTKY

thanks, am doing a new statement now. if you mean a company pension, i was not there very long and so my predicted pension with them is £887 a year and needed to cash in older ones to pay off debts that my husband had ran up without my knowledge just prior to leaving me. this is why i was concerned as to what my income could be

teddysmum

homealone wrote: »

thank you, it does seem like a mine field. the reading of the gov web site and other forums had me so confused. from what i read it seemed to depend on when you were born, if you were to still qualify and that some people upon retirement age needed to claim attendance allowance and by then my head was so spinning that i could not read up on that too.i have indeed already started economising as much as i can. i have just switched energy suppliers amongst other things so that i can try to put a few pennies away

AA is the only health related benefit that people who develop needs after 65 can apply for . It has no mobility element.


Those with DLA or PIP awards, before this age, keep them for as long as they still satisfy the criteria .

teddysmum

pmlindyloo wrote: »

DLA/PIP is NOT an income replacement benefit.

It can continue when you have reached state pension age.

I believe that missbiggles1 made a typo in her post and meant to type ESA instead of DLA at the beginning of the post. (Otherwise the post doesn't make sense, as DLA is mentioned twice)