Advice Appreciated About My Dad

Malthusian

CuppaAndBreath wrote: »

He has taken 2 private pensions early which I believe come to around £800 a month total.

Took how? It is possible that they might run out as well if he didn't take a secured income like an annuity or defined benefit pension.

Has he had a State Pension Forecast? It is possible that his pensions may simply reduce his means-tested benefits. However State Pension isn't means-tested.

If his pensions are secure for his lifetime, he has £800 per month which is more than the State Pension and he still has the State Pension to come on top of that at around age 66-67. As others have said he should investigate what benefits he is entitled to, but with £800 per month some people would just live off that and avoid the hassle of the job centre. He may not be able to afford £600 per month in rent but he only needs to live in a tent if he wants to.

Is he likely to inherit from your grandmother?

I can't sleep worrying about the next 30 years for him. He won't consider help from a doctor, he thinks he has no chance at work.

Without wanting to sound callous, people like your father rarely live until 89. I don't see any specific reason to be more worried about his situation than he is. Put on your own mask before you help others; lying awake at night isn't helping him one jot.

chesky

He may be in danger of not getting a full state pension if he's not employed or receiving benefits, so you should look into that. Of course, he may be able to get pension credit when the time comes but with means-tested benefits you can never be sure they won't be reduced.