Pension credit............ 18 November 2022 at 8:19PM in Benefits & tax credits 11 replies 667 views

maxmycardagain

Often mentioned, but is it claimable for couples? 

It seems a slippery one

Spoonie_Turtle

Couples can claim it if they are both of pension age and their joint income entitles them to it.

slowcars

It's easy to claim but being a means tested benefit certain responsibilities come with it ie ensuring that you notify them of any changes to income or capital immediately.
It does of course open the door to many other financial benefits.
Go onto one of the many benefit websites and put your details in to see if you would qualify.

maxmycardagain

slowcars said:

It's easy to claim but being a means tested benefit certain responsibilities come with it ie ensuring that you notify them of any changes to income or capital immediately.
It does of course open the door to many other financial benefits.
Go onto one of the many benefit websites and put your details in to see if you would qualify.

dead end then, at least for 6 years

though i dont see how with 2 state pensions extra help is available...

Universal credit next stop

poppy12345

maxmycardagain said:

slowcars said:

It's easy to claim but being a means tested benefit certain responsibilities come with it ie ensuring that you notify them of any changes to income or capital immediately.
It does of course open the door to many other financial benefits.
Go onto one of the many benefit websites and put your details in to see if you would qualify.

dead end then, at least for 6 years

though i dont see how with 2 state pensions extra help is available...

Universal credit next stop

If you're a mixed aged couple then it would be UC but whether there's any entitlement will depend on your circumstances. The state pension will be deducted in full from any UC entitlement.

If you're both state pension age then you won't be able to claim UC at all.

Whether there's any entitlement to PC will depend on how much your joint income is. If it's more than £278.70/week unless either of you are recieving a disability benefit such as PIP/DLA/AA then there's no entitlement to PC.

maxmycardagain

poppy12345 said:

maxmycardagain said:

slowcars said:

It's easy to claim but being a means tested benefit certain responsibilities come with it ie ensuring that you notify them of any changes to income or capital immediately.
It does of course open the door to many other financial benefits.
Go onto one of the many benefit websites and put your details in to see if you would qualify.

dead end then, at least for 6 years

though i dont see how with 2 state pensions extra help is available...

Universal credit next stop

If you're a mixed aged couple then it would be UC but whether there's any entitlement will depend on your circumstances. The state pension will be deducted in full from any UC entitlement.

If you're both state pension age then you won't be able to claim UC at all.

 Yes indeed, for a while we can work under the tax and stamp levels (stopping short of those) , roll on April and the 10% increase on the SP and NMW...

calcotti

maxmycardagain said:?.. for a while we can work under the tax and stamp levels (stopping short of those) , roll on April and the 10% increase on the SP and NMW...

If you have reached state pension age you do not pay any NI regardless of what you earn,

slowcars

calcotti said:

maxmycardagain said:?.. for a while we can work under the tax and stamp levels (stopping short of those) , roll on April and the 10% increase on the SP and NMW...

If you have reached state pension age you do not pay any NI regardless of what you earn,

Is that the case?
It was only a week or so ago that a friend (aged 76) found out that his NI contributions that he paid until 4 years ago (aged 72) were of no help to him. From what he told me that from the age of 65 he continued working through an agency earning in excess of £1500 per week with his NI deductions and tax being deducted. He wanted to know why he had paid NI from age 65 to 72.

Spoonie_Turtle

slowcars said:

calcotti said:

maxmycardagain said:?.. for a while we can work under the tax and stamp levels (stopping short of those) , roll on April and the 10% increase on the SP and NMW...

If you have reached state pension age you do not pay any NI regardless of what you earn,

Is that the case?
It was only a week or so ago that a friend (aged 76) found out that his NI contributions that he paid until 4 years ago (aged 72) were of no help to him. From what he told me that from the age of 65 he continued working through an agency earning in excess of £1500 per week with his NI deductions and tax being deducted. He wanted to know why he had paid NI from age 65 to 72.

Clearly the agency made an error. 

It happened with a family member's colleague too, they still paid NI for a year or so after state pension age when they shouldn't have, before realising and getting his employer to correct it.

People over state pension age still pay income tax if they earn over the threshold, but not NI.

maxmycardagain

calcotti said:

maxmycardagain said:?.. for a while we can work under the tax and stamp levels (stopping short of those) , roll on April and the 10% increase on the SP and NMW...

If you have reached state pension age you do not pay any NI regardless of what you earn,

yeah, I know.....lol

I dont, she does
me - 294L code
her 1275L code

Job share 75/25 looks the best option

calcotti

The reason your tax code is low is because your State Pension uses up most of your tax free allowance.