ESA Support Group: About to inherit money over £16000 limit.

calcotti

MalMonroe said: You should tell DWP as soon as you can about your inheritance because that amount of money will take you way over all the thresholds and you won't be eligible for any benefits at all. So you won't need to go for any assessments either. 

Somebody wishing to claim NI credits on the grounds of Limited Capability for Work would require an assessment. In OP’s case they have already been assessed but might need to be reassessed in the future.

MalMonroe said:

poppy12345 said:

ChrisGn said:

  I guess then that I will still have to go to Work Capability Assessments just to prove my eligability!!!!

Yes, the same rules apply even if you're not receiving the money.

No they don't. Why would they assess you when they are not giving you anything?! (Personal experience here. They don't.)

How could they possibly award NI credits on the grounds of LCW without carrying out an assessment to see if the claimant has LCW?

ChrisGn

I've just checked my State Pension/NI contributions.  It turns out I have exactly 35 full years of contributions. (I didn't realise NI contributions were being paid after my 16th birthday whilst I was still at school/college).

Is it still worth asking for NI's to be paid, or should I still make sure they are just incase this Government changes the goal posts regarding the number of years required.

calcotti

ChrisGn said:

I've just checked my State Pension/NI contributions.  It turns out I have exactly 35 full years of contributions. (I didn't realise NI contributions were being paid after my 16th birthday whilst I was still at school/college).

Is it still worth asking for NI's to be paid, or should I still make sure they are just incase this Government changes the goal posts regarding the number of years required.

Apart from 35 years of NI is it showing that you already have entitlement to full pension? You can have 35 years and not have full entitlement and if that is the case it’s worth getting more years.

ChrisGn

calcotti said:

ChrisGn said:

I've just checked my State Pension/NI contributions.  It turns out I have exactly 35 full years of contributions. (I didn't realise NI contributions were being paid after my 16th birthday whilst I was still at school/college).

Is it still worth asking for NI's to be paid, or should I still make sure they are just incase this Government changes the goal posts regarding the number of years required.

Apart from 35 years of NI is it showing that you already have entitlement to full pension? You can have 35 years and not have full entitlement and if that is the case it’s worth getting more years.

The pension amount is £175.20 / wk.  The Contracted Out Pension Equivalent (COPE) amount is £5.99.

calcotti

Are they saying you are in line to get £175.20 without any additional years? The COPE is only relevant to working out entitlement under the old state pension rules to determine your 2016 starting amount.
https://www.gov.uk/government/publications/state-pension-fact-sheets/contracting-out-and-why-we-may-have-included-a-contracted-out-pension-equivalent-cope-amount-when-you-used-the-online-service

ChrisGn

calcotti said:

Are they saying you are in line to get £175.20 without any additional years? The COPE is only relevant to working out entitlement under the old state pension rules to determine your 2016 starting amount.
https://www.gov.uk/government/publications/state-pension-fact-sheets/contracting-out-and-why-we-may-have-included-a-contracted-out-pension-equivalent-cope-amount-when-you-used-the-online-service

The forecast says "£175.20 is the most you can get", and underneath it says "You cannot improve your forecast any more".  It then goes on to say that if you're working you may still need to pay National Insurance as they fund other state benefits and the NHS.

calcotti

ChrisGn said:

calcotti said:

Are they saying you are in line to get £175.20 without any additional years? The COPE is only relevant to working out entitlement under the old state pension rules to determine your 2016 starting amount.
https://www.gov.uk/government/publications/state-pension-fact-sheets/contracting-out-and-why-we-may-have-included-a-contracted-out-pension-equivalent-cope-amount-when-you-used-the-online-service

The forecast says "£175.20 is the most you can get", and underneath it says "You cannot improve your forecast any more".  It then goes on to say that if you're working you may still need to pay National Insurance as they fund other state benefits and the NHS.

In that case you will not benefit your pension by getting more years of credits (unless the rules change between now and your retirement age).

ChrisGn

I think the logical thing to do, is to still ask for the NI payments to be made.  Just had a thought.  Would the fact that I will have been continuing having WCA's help when I need to apply or UC?

calcotti

ChrisGn said:

I think the logical thing to do, is to still ask for the NI payments to be made.  Just had a thought.  Would the fact that I will have been continuing having WCA's help when I need to apply or UC?

That’s a good point. You should retain your status when you reapply for UC (but I think would still have to wait three months for the LCWRA element to be payable even if you have LCWRA).