Losing Pension Credit

sbutt77

Hi,

I am hoping you can advise me please. My father currently receives Pension Credit (guarantee), this obviously helps open up with extra help (tv licence, council tax reduction, dental help, water help). My mum is due to receive her pension in June, will this affect the Pension credit and will it stop my dad Pension Credit? If so would my mum be better to defer her state pension if this is even possible?

Thank you for you help.

calcotti

Whether or not her State Pension ends the Pension Credit depends on the maximum Pension Credit entitlement is and how much her State Pension is.

Is her State Pension going to be more than the existing Pension Credit?

If she doesn’t take her State Pension she will still be treated as if she has even if she actually has. She should therefore take the State Pension.

If they do not get Pension Credit they may still get some Council Tax Reduction and they could possibly claim NHS Low Income scheme.

Murphybear

calcotti said:

Whether or not her State Pension ends the Pension Credit depends on the maximum Pension Credit entitlement is and how much her State Pension is.

Is her State Pension going to be more than the existing Pension Credit?

If she doesn’t take her State Pension she will still be treated as if she has even if she actually has. She should therefore take the State Pension.

If they do not get Pension Credit they may still get some Council Tax Reduction and they could possibly claim NHS Low Income scheme.

My pensions are too high to get Pension Credit but I do get quite a lot of my Council Tax paid.  I also got £139 off my new varifocal spectacles under the low income scheme.  It’s worth applying. 

calcotti

Murphybear said:

calcotti said:

Whether or not her State Pension ends the Pension Credit depends on the maximum Pension Credit entitlement is and how much her State Pension is.

Is her State Pension going to be more than the existing Pension Credit?

If she doesn’t take her State Pension she will still be treated as if she has even if she actually has. She should therefore take the State Pension.

If they do not get Pension Credit they may still get some Council Tax Reduction and they could possibly claim NHS Low Income scheme.

My pensions are too high to get Pension Credit but I do get quite a lot of my Council Tax paid.  I also got £139 off my new varifocal spectacles under the low income scheme.  It’s worth applying. 

Good to confirm that you made the appropriate applications as per my post suggestion

miacatandmonkey

Hope you can help. I was receiving pension credits, and all the cost of living awards that went with it; but disability means I now have a carer so pension credit has stopped! I now get state pension and enhanced rate pip. My state pension income puts me £2.70 a week over the threshold for pension credit now, so I lose out on the cost of living supplements and other housing  benefits and council tax reductions
 What can I do about this?  I cannot dismiss my carer as my daily needs would not be met without her, Also my carer is on universal credit so dosnt get full carers allowance  but gets the carers element instead. The dwp have taken my full severe disability premium from me meaning I lose pension credits yet only pay her the lower rate element. This cannot be right, what happens to the excess? Surely that should come back to me as a part payment of sda thereby opening the door to my pension credits? Surely this cannot be allowed? The amount of money the dwp are making off millions of people like myself must be astrononomical while we're left struggling. Is it even legal? Suggestions please

poppy12345

miacatandmonkey said:

Hope you can help. I was receiving pension credits, and all the cost of living awards that went with it; but disability means I now have a carer so pension credit has stopped! I now get state pension and enhanced rate pip. My state pension income puts me £2.70 a week over the threshold for pension credit now, so I lose out on the cost of living supplements and other housing  benefits and council tax reductions
 What can I do about this?  I cannot dismiss my carer as my daily needs would not be met without her, Also my carer is on universal credit so dosnt get full carers allowance  but gets the carers element instead. The dwp have taken my full severe disability premium from me meaning I lose pension credits yet only pay her the lower rate element. This cannot be right, what happens to the excess? Surely that should come back to me as a part payment of sda thereby opening the door to my pension credits? Surely this cannot be allowed? The amount of money the dwp are making off millions of people like myself must be astrononomical while we're left struggling. Is it even legal? Suggestions please

This is perfectly normal and legal. Part of the criteria to SDP is that no one claims either carers allowance or carers element of UC for looking after you. If they do then SDP will end.

Yes, when claiming carers allowance as well as UC there's no financial gain because it's just deducted in full from any UC entitlement. The same rules applied to the old legacy benefits and it's always deducted in full.