Apply for State Pension and query about mixed age couple

Spicedpumpkin

poppy12345 said:

Spicedpumpkin said:

poppy12345 said:

8dayweek said:

This is the best I can find to support the end IS / add ESA(IR) scenario. 

[Sorry I can’t link, new account - but look on Rightsnet at a discussion started on 17/08/2023 called “HB transition for MAC”. 

As I understand it, as long as the benefit “passporting” the HB is in place pre-State Pension age then the “working age” HB continues. 

Thread here https://www.rightsnet.org.uk/forums/viewthread/19533/#92110 Agree with your understanding and HB can continue. 

You need to do a calculation to see which benefit would pay more, ESA or UC. If you go the ESA route I also believe  your partner can also have an underlying entitlement to Carers allowance and be entitled to carers premium in your ESA, without it affecting the SDP. 

Eat to add.. you must ask ESA to assess you for the Income Related top up for your housing benefit to continue, which is mentioned in the thread linked above. 

I think the only thing I am also concerned about is the HB is in my older partners name and me living at the address as a couple.....and am not sure if they would accept the IR ESA as it is NOT in my name

The link to that thread covers your question regarding this. Your HB would continue but you must be claiming IR ESA, otherwise it will end. 

Many thanks Poppy12345......I will get my reading head on again tomorrow .....appreciated

Spicedpumpkin

poppy12345 said:

The following is my calculation on what your ESA is likely to be when your partner claims their SP.

ESA couples rate £133.30
Support Group component £44.70
Enhanced disability premium couples £27.90
SDP couples £152.80
Carers Premium £42.75
Pensioner Premium £128.85

Total weekly ESA amount £530.30 His weekly state pension will need to be deducted from this as I do not know the amount he will receive. 

I will also add a reminder that for your HB to continue your ESA must be Income Related, otherwise it will end. 

I am of course happy for anyone to go ahead and work out the calculation if possible. 

This is the UC calculation I did in a previous comment..
Couples £578.82
LCWRA element £390.06
housing element (£241.64/week)  1,047.10/month
SDP TP if LCWRA element is included £132.12 (single person SDP)
 Carers element £185.86
 £2,333.86/month

 Deductions 
 CB ESA £561.16
 State pension £883.35 
 Total amount deductions £1,444.51 - £2,333.86 = £889.35/month UC payable. 

Edit to add the figures are current ones, which will of course increase from April this year, along with the State pension increase. 

Blimey, thanks Poppy12345 Ive just seen this . I think I read posts in the wrong order
My partners SP will be £884.80  every 4 weeks from June
His birthday is in April .....in May its 821.60 but then goes to the higher amount 

THANKS EVERSO much for taking the time to do the calculations

poppy12345

Spicedpumpkin said:

poppy12345 said:

The following is my calculation on what your ESA is likely to be when your partner claims their SP.

ESA couples rate £133.30
Support Group component £44.70
Enhanced disability premium couples £27.90
SDP couples £152.80
Carers Premium £42.75
Pensioner Premium £128.85

Total weekly ESA amount £530.30 His weekly state pension will need to be deducted from this as I do not know the amount he will receive. 

I will also add a reminder that for your HB to continue your ESA must be Income Related, otherwise it will end. 

I am of course happy for anyone to go ahead and work out the calculation if possible. 

This is the UC calculation I did in a previous comment..
Couples £578.82
LCWRA element £390.06
housing element (£241.64/week)  1,047.10/month
SDP TP if LCWRA element is included £132.12 (single person SDP)
 Carers element £185.86
 £2,333.86/month

 Deductions 
 CB ESA £561.16
 State pension £883.35 
 Total amount deductions £1,444.51 - £2,333.86 = £889.35/month UC payable. 

Edit to add the figures are current ones, which will of course increase from April this year, along with the State pension increase. 

Blimey, thanks Poppy12345 Ive just seen this . I think I read posts in the wrong order
My partners SP will be £884.80  every 4 weeks from June
His birthday is in April .....in May its 821.60 but then goes to the higher amount 

THANKS EVERSO much for taking the time to do the calculations

We posted roughly the same time, which is why I think you missed it. For the deductions of his SP from ESA it's the exact weekly amount  that's deducted. They do not work out a monthly amount like they do with UC. This is because ESA is a weekly benefit, same as SP. 

Spicedpumpkin

poppy12345 said:

Spicedpumpkin said:

poppy12345 said:

The following is my calculation on what your ESA is likely to be when your partner claims their SP.

ESA couples rate £133.30
Support Group component £44.70
Enhanced disability premium couples £27.90
SDP couples £152.80
Carers Premium £42.75
Pensioner Premium £128.85

Total weekly ESA amount £530.30 His weekly state pension will need to be deducted from this as I do not know the amount he will receive. 

I will also add a reminder that for your HB to continue your ESA must be Income Related, otherwise it will end. 

I am of course happy for anyone to go ahead and work out the calculation if possible. 

This is the UC calculation I did in a previous comment..
Couples £578.82
LCWRA element £390.06
housing element (£241.64/week)  1,047.10/month
SDP TP if LCWRA element is included £132.12 (single person SDP)
 Carers element £185.86
 £2,333.86/month

 Deductions 
 CB ESA £561.16
 State pension £883.35 
 Total amount deductions £1,444.51 - £2,333.86 = £889.35/month UC payable. 

Edit to add the figures are current ones, which will of course increase from April this year, along with the State pension increase. 

Blimey, thanks Poppy12345 Ive just seen this . I think I read posts in the wrong order
My partners SP will be £884.80  every 4 weeks from June
His birthday is in April .....in May its 821.60 but then goes to the higher amount 

THANKS EVERSO much for taking the time to do the calculations

We posted roughly the same time, which is why I think you missed it. For the deductions of his SP from ESA it's the exact weekly amount  that's deducted. They do not work out a monthly amount like they do with UC. This is because ESA is a weekly benefit, same as SP. 

Appreciate all your time and effort in helping me through this change over 

I will read the links today with a clearer mind.

Thank you !

Spicedpumpkin

poppy12345 said:

Spicedpumpkin said:

We posted roughly the same time, which is why I think you missed it. For the deductions of his SP from ESA it's the exact weekly amount  that's deducted. They do not work out a monthly amount like they do with UC. This is because ESA is a weekly benefit, same as SP. 

A big thanks to @poppy12345 for helping me with the calculations for both scenarios.....shocking the difference. I just did it for 4 weeks or a monthly payment for ease to see the difference, with the SP included.

Just a few questions/statements if you don't mind......so I am clear on going forward. 

1. Should my older partner remain on the Carers Allowance till his pension kicks in and not cancel that and let it be an underlying element ( Is that where the Carer's Premium comes in when we change over, that he still cares for me but does not get the carers allowance itself paid)

2.Is the SDP couples premium, because we are both on the rate of DLA/PIP we are on and no one is caring for us and we live alone together?

3. To cancel the Income Support just phone up IS dept and then do a follow up letter ?

4, After that is done, let ESA know (phone and follow up letter) that I would like it my ESA  superseded to include IR ESA as well as CB based 

Have it dated the same date that we stop the IS.

Do you think I will have to do another ESA 50 form as such when I do this ? 

4. Then inform HB that we are now as a couple on IR ESA  and not IS and probably include copies of the rules etc as they probably will not know.

5. Does anyone know if HB is paid in advance or arrears as I will try and work when our rent is due and possibly paid by the Council to try and minimize the change over ?

Appreciate the help going forward 

Many Thanks

ESA IR and CB

ESA couples rate £133.30
Support Group component £44.70
Enhanced disability premium couples £27.90
SDP couples £152.80
Carers Premium £42.75
Pensioner Premium £128.85

Total weekly ESA amount £530.30

Minus State Pension  £221.20   ( just divided 884.8 by 4 for ease)

equals  £ 309.10  ESA 

Plus the HB of LHA one bedroom rate £  1047.10 per month

Totals for 4 weeks

ESA   £1236,40

SP     £ 884.80

HB   £ 1047.10

Totals £   3168.30

ON UC

Couples £578.82
LCWRA element £390.06
housing element (£241.64/week)  1,047.10/month
SDP TP if LCWRA element is included £132.12 (single person SDP)
 Carers element £185.86
 £2,333.86/month

 Deductions 
 CB ESA £561.16
 State pension £884.80
 Total amount deductions £1,445.96 - £2,333.86 = £ 887.90/month

UC          £887.90

CB ESA  £561.16

SP           £884.80

TOTAL for 4 weeks    £ 2333.86

So        £3168.30 ESA IR CB

Minus £ 2333.86 Uc

 

Difference between ESA IR mixed and UC is 

£ 834.44  ( 4 weeks approx)

Spoonie_Turtle

One question I can help with there:

Do you think I will have to do another ESA 50 form as such when I do this ? 

No

poppy12345

Your partner can remain on carers allowance until they reach state pension age. They will then have an underlying entitlement to it, which be when you can claim for the couples SDP. 

He will just need to ring IS to ask them to cancel it. You can then ring ESA and ask them to assess you for the Income Related top up with your partner on your claim. You will likely be sent the ESA3 form to fill in and return. You need to make sure this is done before he reaches state pension age otherwise the HB will stop and you won’t be able to reclaim it. 

You do not need to follow up anything with a letter. 

HB is paid in arrears. 

Spicedpumpkin

Spoonie_Turtle said:

One question I can help with there:

Do you think I will have to do another ESA 50 form as such when I do this ? 

No

Many thanks.....also for your help earlier on with your information an links, much appreciated

Spicedpumpkin

poppy12345 said:

Your partner can remain on carers allowance until they reach state pension age. They will then have an underlying entitlement to it, which be when you can claim for the couples SDP. 

He will just need to ring IS to ask them to cancel it. You can then ring ESA and ask them to assess you for the Income Related top up with your partner on your claim. You will likely be sent the ESA3 form to fill in and return. You need to make sure this is done before he reaches state pension age otherwise the HB will stop and you won’t be able to reclaim it. 

You do not need to follow up anything with a letter. 

HB is paid in arrears. 

PERFECT, thanks ever so much for all your help

Its amazing how much of a difference the money is per month, it will make a big difference to us

Much appreciated ....its so kind of you to spend your time helping me and partner.

THANK YOU x

poppy12345

No, problem, happy I could help. Yes, there's a huge difference between them. It will be because of the double SDP and the carers premium.