Private pension, lump sum and universal credit.

atlantis187

sorry for sounding a little unsympathetic but you have been given £75k lump sum + £950 monthly ongoing + husbands redundancy and you still want a benefit top up.
This more money than most people will ever see in their lifetime.

Mutabilisrose

calcotti said:

Under UC as a couple you have a basic monthly allowance of £498.89/month. Your pension income of £950/month is deducted from this so there is nil entitlement.

If you have a Work Capability Assessment and are found to have Limited Capability For Work and Work Related Activity your maximum UC would rise to £836.09/month so there would still be no entitlement due to the pension income.

A monthly pension of £950/month is £219.23/week. For ESA this results in a deduction of £67.12/week. In the ESA Support Group you would have a maximum entitlement of £111.65/week so after the pension deduction would be entitled to £44.53.

I  am embarrassed and stupid. I thought it was £498 a week. I have never been on benefits so I had no idea. I misread it. Duh 🙄. I get it now.  Many thanks.

Mutabilisrose

Thanks to all. I misread the figures. I have got it now. Many thanks x

poppy12345

Mutabilisrose said:

I did look at SMI but I wasn’t sure if it would be better to just try and pay it. 

You won't be able to claim this.

Mutabilisrose

atlantis187 said:

sorry for sounding a little unsympathetic but you have been given £75k lump sum + £950 monthly ongoing + husbands redundancy and you still want a benefit top up.
This more money than most people will ever see in their lifetime.

Both hubby and I have worked full time from aged 18. I had to take early retirement due to ill health and hubby was made redundant. I studied and worked hard all my life to build up a pension. I have never claimed benefits nor had any intention of doing. I can see what you are saying, but wouldn’t you try and hold on to a house you have scrimped and saved for for 20 years if you could. We are in a much better position than lots of people, I know that and I am grateful, but I am only asking for advice not judgement. #bekind. 

Dazed_and_C0nfused

Mutabilisrose said:

atlantis187 said:

sorry for sounding a little unsympathetic but you have been given £75k lump sum + £950 monthly ongoing + husbands redundancy and you still want a benefit top up.
This more money than most people will ever see in their lifetime.

Both hubby and I have worked full time from aged 18. I had to take early retirement due to ill health and hubby was made redundant. I studied and worked hard all my life to build up a pension. I have never claimed benefits nor had any intention of doing. I can see what you are saying, but wouldn’t you try and hold on to a house you have scrimped and saved for for 20 years if you could. We are in a much better position than lots of people, I know that and I am grateful, but I am only asking for advice not judgement. #bekind. 

It's too late now unfortunately but you should have claimed Child Benefit when your daughter was younger.

My daughter lives with us but she is 25. 

calcotti

atlantis187 said:

sorry for sounding a little unsympathetic but you have been given £75k lump sum + £950 monthly ongoing + husbands redundancy and you still want a benefit top up.
This more money than most people will ever see in their lifetime.

Forum Policy: Its about helping people get their entitlement! Not about benefits policy!

OP is indeed more fortunate than many but is simply trying to find out if she is entitled to any help. That's a sensible thing to do.