What happens if your pension pot is depleted?

lisyloo

it will be subsistence level benefits only

This isn't necessarily true and I'm speaking from real experience, alhthough it's probably more likely than not.

For example if you are a couple both claiming higher rate attendance allowance (£85.60) each, plus carers allowance, plus free council tax, then you can actually have quite a lot coming in (our parents had about £600 per week coming in). You also qualify for higher amounts of pension credit and council tax benefit if disabled.

Yes there are costs - like £20 per week for someone else to do the laundry but nowhere near the joint £170 per week.

The benefits system needs reform.

Most people will have not enough but there are cases where people get TOO much. Of course I did my best for them and claimed what they were entitled to even though I thought it was too much as I feel it's my moral duty to do the best for my family.