PIP And SDA Question State Pension

calcotti

quattros said:

calcotti said:

quattros said: She Has Been Getting SDA ( Severe Disability Allowance) , I now which no longer exists But as She was Receiving this type of Benefit before 2001 she still caries on receiving this benefit from what i read. The SDA Which i think was Incapacity Benefit which think she got before name change of the Benefit and Invalidity benefit Before that.

Severe Disablement Allowance was replaced by Incapacity Benefit in 2001 which was in turn replaced by Employment Support Allowance in 2008.

Your mother has been able to stay on SDA because she reached pension age prior to 6 April 2014. I think she claims State Pension the higher benefit will be paid (not both) due to ‘overlapping benefit’ rules. It’s hard to find information because SDA is such an old benefit - I’ve never come across anyone receiving it.

Yeah finding the Info is pretty hard , She reached SP age in 2017. 

If she is 68 now that doesn’t seem correct. A woman born in 1952 would have reached pension age in 2013, 2014 or 2015. https://www.gov.uk/government/publications/state-pension-age-timetable/state-pension-age-timetable#changes-under-the-pensions-act-2011. A man born in 1952 would however have only reached pension age in 2017.

If you can get accurate figures for your dad’s pension income and their savings it would be worth checking whether they are entitled to any Pension Credit (if they are not claiming it already). If her PIP includes Daily Living (saying standard amount doesn’t tell us whether that is standard rate Daily Living or standard rate Mobility) then dad could apply for Carer’s Allowance for looking after her. He wouldn't be paid CA but would establish an underlying entitlement which would increase the possible Pension Credit entitlement (and possible Council Tax Reduction entitlement).

With the carer addition Pension Credit would top their jointly weekly income up to £302.70/week less a reduction of £1/week for every £500, or part thereof, of savings over £10,000. PIP would be ignored as income when calculating Pension Credit.

quattros

anmarj said:

Yes. Very rarely was the sda higher than state pension, As it was a non contribution benefit- ie didn’t need to have worked/paid stamps to get it, in the way that incapacity benefit,  you had to have paid contributions in order to qualify.

You have to be prepared for the fact that she either has no entitlement or not enough entitlement to qualify for the state pension.

SDA stopped at state pension age to force people to contact the department and if there was no sp entitlement then SDA would be reinstated.

So she used to work many years ago until she had a Disability in the early 90s ,  From the DWP records she has been getting NI credits think from when she was Disabled and stops at SP age from looks of it so there is no break in Contributions . 

calcotti

quattros said:

anmarj said:

Yes. Very rarely was the sda higher than state pension, As it was a non contribution benefit- ie didn’t need to have worked/paid stamps to get it, in the way that incapacity benefit,  you had to have paid contributions in order to qualify.

You have to be prepared for the fact that she either has no entitlement or not enough entitlement to qualify for the state pension.

SDA stopped at state pension age to force people to contact the department and if there was no sp entitlement then SDA would be reinstated.

So she used to work many years ago until she had a Disability in the early 90s ,  From the DWP records she has been getting NI credits think from when she was Disabled and stops at SP age from looks of it so there is no break in Contributions . 

If she has full NI contributions/credits record (30 years) then her basic State Pension would be £134.25/week (it may be more depending on her work history). I think you really need to find out from DWP what her pension entitlement is.

anmarj

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/470898/dmgch57.pdf

quattros

anmarj said:

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/470898/dmgch57.pdf

Thanks the sort of thing I was looking for , I am sure at the time my mum was told that she was entitled to SDA and for lifetime but cannot find paperwork to support this .

calcotti

quattros said:

anmarj said:

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/470898/dmgch57.pdf

Thanks the sort of thing I was looking for , I am sure at the time my mum was told that she was entitled to SDA and for lifetime but cannot find paperwork to support this .

If she claims State Pension and the SP is more than the SDA then the SDA will stop. If the SP is less than the SDA (which seems unlikely based on what you have posted) then she will be paid the SP and there will be an amount of SDA paid on top to bring the total to the same amount as the original SDA.

If her SP is worth more than SDA she is simply missing out on additional money by not claiming her SP. She will not be accruing any additional SP by having deferred it because no increase can be earned while receiving SDA.