Can anyone tell me if this pension math is correct please?

jamesd

Jon_01 said:

But, I've just checked the gov site on deferring and that say that if you get certain benefits then you can't defer.  He's getting both PiP and ESA, and they state that if you get ESA then you can't build up the pension? 

ESA is a working age benefit. On its eligibility page it says:

"You can apply for ‘new style’ Employment and Support Allowance (ESA) if you’re under State Pension age and you have a disability or health condition that affects how much you can work."

The benefits advice service turn2us has a page covering what age does to benefits and it says

"Benefits you can't claim when you reach State Pension age or Pension Credit age

Pension Credit age

Income-based Jobseeker’s Allowance, Income-related Employment and Support Allowance, Income Support and Universal Credit stop when you (or your partner) reach Pension Credit age.

State Pension age

Contribution-based Jobseeker's Allowance and Contributory Employment and Support Allowance stop when you reach State Pension age.

You cannot make a new claim for Disability Living Allowance (DLA) or Personal Independence Payment (PIP) once you have reached State Pension age. If you were already claiming DLA or PIP, you can renew the claim even though you are over State Pension age, as long as you are claiming for the same health conditions and your last claim ended less than one year ago. (DLA claimants who were born before 8 April 1948 will not be transferred to PIP. Other claimants will be transferred to PIP)."

I'm not an expert on ESA but it appears to stop at state pension age? Since you can only defer claiming the state pension when you've reached state pension age there doesn't seem to be a conflict between the two.

Definitely important to verify this, though.

Jon_01

jamesd said:

Jon_01 said:

But, I've just checked the gov site on deferring and that say that if you get certain benefits then you can't defer.  He's getting both PiP and ESA, and they state that if you get ESA then you can't build up the pension? 

ESA is a working age benefit. On its eligibility page it says:

"You can apply for ‘new style’ Employment and Support Allowance (ESA) if you’re under State Pension age and you have a disability or health condition that affects how much you can work."

The benefits advice service turn2us has a page covering what age does to benefits and it says

"Benefits you can't claim when you reach State Pension age or Pension Credit age

Pension Credit age

Income-based Jobseeker’s Allowance, Income-related Employment and Support Allowance, Income Support and Universal Credit stop when you (or your partner) reach Pension Credit age.

State Pension age

Contribution-based Jobseeker's Allowance and Contributory Employment and Support Allowance stop when you reach State Pension age.

You cannot make a new claim for Disability Living Allowance (DLA) or Personal Independence Payment (PIP) once you have reached State Pension age. If you were already claiming DLA or PIP, you can renew the claim even though you are over State Pension age, as long as you are claiming for the same health conditions and your last claim ended less than one year ago. (DLA claimants who were born before 8 April 1948 will not be transferred to PIP. Other claimants will be transferred to PIP)."

I'm not an expert on ESA but it appears to stop at state pension age? Since you can only defer claiming the state pension when you've reached state pension age there doesn't seem to be a conflict between the two.

Definitely important to verify this, though.

Thank you again for looking into that, most kind.

It's getting beyond me I think... I've just booked him and appointment with Pensionwise for the 12th of April. I'll try to help as much as I can until then and get a few printed page of info together for him to refer to and see where that goes.

Thanks again to everyone that's posted

jamesd

Citizens Advice has a benefit check service that should be able to verify things. Pensionwise tends to be more generic guidance.