Claiming State Pension query

p00hsticks

Dazed_and_C0nfused said:

quattros said:

Brynsam said:

quattros said:

 It has only just been highlighted to me so not happy that she has not claimed it , to sort it for her now.

If you're mum's not bothered enough to claim it, why are you 'not happy'?

Unfortunately my mum really struggles with sorting out stuff like this as she is Disabled and I have only come to know recently that she had not claimed it yet , And now she will have have lost out of her State pension since 2017 as don’t think they will backdate it till then.

You really need to consider if backdating is in her best interests.  Would a lump sum of one years State Pension cause DWP benefits issues?  You might be better asking about that element on the Benefits board.  Once you have an idea of what amounts are involved.

As far as I'm aware, DWP ought to have recognised when state pension age was reached and then take that state pension entitlement into account when calculating any means tested benefits entitlement - the system shouldn't (doesn't ?) allow you to  simply decline to take your state pension in order to receive a means tested benefit. But as you say, the people over on the benefits board are the experts, not me,  and the OP doesn't currently appear to know exactly what benefits are involved at present, so the first step would be to establish that.     

quattros

garmeg said:

Can we just clarify. Was she 64/65 in 2017 which was the then female state pension age, or was she 60 and thought that was her state pension age?

I only ask because it appears all her other benefits are unaffected.

Hi she reached state pension age in 2017 

quattros

p00hsticks said:

quattros said:

Brynsam said:

quattros said:

 It has only just been highlighted to me so not happy that she has not claimed it , to sort it for her now.

If you're mum's not bothered enough to claim it, why are you 'not happy'?

Unfortunately my mum really struggles with sorting out stuff like this as she is Disabled and I have only come to know recently that she had not claimed it yet , And now she will have have lost out of her State pension since 2017 as don’t think they will backdate it till then.

She shouldn't lose out on it as long as she's not got a very limited life expectancy - as Dazed and Confused says, she'll either get backdated payments or, for any period where it's treated as deferred, it'll result in a higher weekly payment going forward. Or  a combination of both.

What may cause an issue is with the 'other disability benefits'.

You don't say exactly what they are, and it should have been picked up that she was no longer of 'working age' even though she wasn't claiming her state pension, and her payments calculated as if she was in fact receiving that pension, but any means tested  benefits would potentially be affected by her being eligible for her state pension.

Hi so as she reached state pension age in 2017 and I don’t even know if she received an invitation letter to claim her state pension.

so even if we did not get in contact with DWP in 2017 to claim her pension and I now let them know will she get payments that she would have got in 2017 if applied for then ? And is it automatically Deffered if not claimed when reaching state pension age?

Reference benefits she gets PIP and Severe Disability allowance name may have changed though for this now .

Dazed_and_C0nfused

https://www.gov.uk/deferring-state-pension

quattros

Dazed_and_C0nfused said:

https://www.gov.uk/deferring-state-pension

Just had a look through so answers a few question for me So she should have received a invitation letter in 2017 but not sure where that is if she did get one , And looks likee the Severe Disability she gets might be affect how much state pension she will get , I don’t think PIP should be affected. 
So I think we should have Deferred it in 2017 if we knew at the time to get this option . 

Alter_ego

So I think we should have Deferred it in 2017 if we knew at the time to get this option . 

But she did defer it in 2017. By not claiming. See the previous link

Linton

quattros said:

Dazed_and_C0nfused said:

https://www.gov.uk/deferring-state-pension

Just had a look through so answers a few question for me So she should have received a invitation letter in 2017 but not sure where that is if she did get one , And looks likee the Severe Disability she gets might be affect how much state pension she will get , I don’t think PIP should be affected. 
So I think we should have Deferred it in 2017 if we knew at the time to get this option . 

 - The other way around if any effect - SP is fixed, benefits may change.
 - Simply by not requesting SP at SP age your Mother has deferred it.  You dont need to explicitly do anything to defer SP.

quattros

Alter_ego said:

So I think we should have Deferred it in 2017 if we knew at the time to get this option . 

But she did defer it in 2017. By not claiming. See the previous link

I see that’s where i am getting confused i thought we have to notify them to Defer the payment say in 2017. So if not claimed when reaching State Pension age the Pyment is Automatically Deferred then? 

molerat

I think the problem is over the Severe Disablement Allowance.  If claiming some benefits you need to contact the Pension Service if deferring and you cannot build up the extra pension whilst claiming those benefits.  Looks like something for Citizens Advice to help with as I don't think it is going to be a simple one.

Has she been claiming Winter Fuel Payment ?

Linton

quattros said:

Alter_ego said:

So I think we should have Deferred it in 2017 if we knew at the time to get this option . 

But she did defer it in 2017. By not claiming. See the previous link

I see that’s where i am getting confused i thought we have to notify them to Defer the payment say in 2017. So if not claimed when reaching State Pension age the Pyment is Automatically Deferred then? 

Yes, if not claimed SP is automatically deferred.