state benefit

calcotti

twhitehousescat wrote: »

no private pension , and is single (married for less than 2 yr - sick at time) about 30 yrs ago

No private pension but will get some state pension if has more than 10 years of NI contributions/credits and will get full state pension if, as per my previous post, has 35 years of contributions/credits.

To be clear State Pension and Pension Credit are different. State Pension is an amount based on ni contributions/credits, Pension Credit is a means tested benefit which will top up other income if it comes below the allowance.

twhitehousescat

ok , i think he has max contributions , are you saying that if he is short then pension credit will top up to 163/

it was the rent and c/tax that were worrying him , but i think that part is clear now

thank you for that link

calcotti

twhitehousescat wrote: »

ok , i think he has max contributions , are you saying that if he is short then pension credit will top up to 163/

Exactly that (under rules and amounts applicable as of today). If has full contributions pension will be £164.35 and therefore no Pension Credit.
Try putting State Pension into the calculator and see what you get - I think it will still show full housing benefit and Council tax Reduction.

If he has long term health problems he could also look at Personal Independence Payment to see if he might qualify
https://www.citizensadvice.org.uk/benefits/sick-or-disabled-people-and-carers/pip/

twhitehousescat

thanks , will look again tomorrow and show him results , he was worried about rent and c/tax FROM his pension

p00hsticks

calcotti wrote: »

If he has 35 years of NI contributions/credits he would get a state pension of £164.35 and no Pension Credit.

calcotti wrote: »

No private pension but will get some state pension if has more than 10 years of NI contributions/credits and will get full state pension if, as per my previous post, has 35 years of contributions/credits.

Just to muddy the waters a bit - for someone retiring in the near future, you can't necessarily guarantee that 35 years NI will automatically give you the full £164.35 new State Pension.

Although in the case mentioned where the OP appears to have been on ESA for a while it's probable that he'll get this, the transition over from the old State Pension means that some people may need more or fewer years to get the full amount (specifically, those who have been contracted out for much of their working lives are likely to need more, those with a high additional (SERPS/S2P) amount are likely to need less.

calcotti

True but my answer was in the context of the OPs original post and I had assumed he was unlikely to have been contracted out. Nonetheless you are right to point this out for others reading the thread. Recommendation remains to contact the Future Pension Service to get confirmation of what to expect.

twhitehousescat

correct , as posted at beginning , no private/company pensions , the latest thing "workplace pension" was just starting when he worked last , and I think he was disqualified due to reduced hrs he worked (16?) , he was able to get lots of assistance then they upped it to 20 hrs and he lost tax credits etc ,

xylophone

It is not impossible that his state pension will be higher than the full new state pension.

He may well have some SERPS/S2P.

As you have internet access you could help him with this form?

https://www.gov.uk/government/publications/application-for-a-state-pension-statement

twhitehousescat

please explain full meaning of SERPS/S2P.?

calcotti

twhitehousescat wrote: »

please explain full meaning of SERPS/S2P.?

If he was ever in well paid employment he may have an entitlement to additional state pension related to his earnings. Given what you have said about employment history this may not be the case. Even if he does have any SERPS it is only relevant if the SERPS plus old state pension amounts to more than the New state pension (pension system changed in 2016). It seems very unlikely that will be the case for someone who has been out of employment for a long time.

The best thing to do is contact the Future Pension Setvice as per earlier posts and request a statement, they usually come within a couple of weeks. Then put the predicted amount into benefits calculator and see what it says.