NI Credits I don't want them.

HillStreetBlues

My the time I retired I will have the full 35 years due to ESA/UC paying my stamp.

If the rules are the same when I retired then I don't want them paid.
If I have less of a pension it would get topped up with PC  and would be about £2 less a week, but being on PC would open up entitlement to more benefits.
 
Having a full stamp only benefits people with other pensions coming in or savings over £10,000.
Or am I not fully understanding the pension rules?

Spoonie_Turtle

HillStreetBlues said:

My the time I retired I will have the full 35 years due to ESA/UC paying my stamp.

If the rules are the same when I retired then I don't want them paid.
If I have less of a pension it would get topped up with PC  and would be about £2 less a week, but being on PC would open up entitlement to more benefits.
 
Having a full stamp only benefits people with other pensions coming in or savings over £10,000.
Or am I not fully understanding the pension rules?

Presumably being on ESA you are disabled which increases the potential PC award, as the current rules stand.  That takes the threshold above the standard State Pension so you would qualify if SP is your only income.

There is also absolutely no guarantee the rules will stay the same, theoretically you could end up with PC topping up to something like 80% of the full SP with the reasoning that people should have worked or claimed benefits to get the NI credits for a full State Pension - unlikely, maybe, but we just do not know what the future holds or what government whims will strike.  But if something like that happened you might feel quite silly needlessly throwing away SP entitlement and ending up still not qualifying. 

To my knowledge there is no way to claim the benefits and not get them paid though anyway.

How many years are you away from State Pension Age?

HillStreetBlues

I'm a while away from retiring reaching state pension age, so I have little doubt things will change so might be grateful for them.
I had forgotten about the disabled part of PC.

The potential changes to UC  will come long before PC.