Redundancy and benefits

BridgetTheCat

https://forums.moneysavingexpert.com/discussion/comment/82067954#Comment_82067954

which is why I said ‘a higher rate PIP award for mobility’.

PIP has 2 components - daily living, and mobility. Each component can be awarded at the standard rate, or the higher (enhanced) rate. So you can have 4 possible combinations:

1. Both components at standard rate

2. Both at enhanced rate

3. Standard daily living and enhanced mobility

4. Enhanced daily living and standard mobility

(I suppose technically you could also have one of the components not awarded at all but then it’s doubtful you could meet the overall score requirement).

There is no overall ‘higher rate PIP’ since the components are scored and awarded separately.

Anyway the scores @HillStreetBlues mentions are those required to get the enhanced mobility rate, which also gets an automatic blue badge and exemption from road tax (requires you re-register your vehicle as a disabled person’s vehicle on the V5).

NedS

To get the Road Tax exemption, the vehicle must be entirely for the disabled person's personal needs, which kind of rules it out for most families who have one vehicle for the benefit of the entire family.

Maybe OK if you are single and disabled, and have your own car that is not a Motability vehicle.

https://www.gov.uk/financial-help-disabled/vehicles-and-transport

The vehicle must be used for a disabled person’s personal needs. It
cannot be used by the nominated driver for their own personal use.

Spoonie_Turtle

https://forums.moneysavingexpert.com/discussion/comment/82068050#Comment_82068050

are those required to get the enhanced mobility rate, which also gets an automatic blue badge and exemption from road tax

Not necessarily. It still matters on what descriptors exactly the person met to get the higher mobility element.

The only automatic Blue Badge entitlements are if you score 8 or more on Moving Around, or Descriptor E for Planning and Following Journeys. (Incidentally each of those would only give the standard rate mobility.)

So someone could score 4 MA and 8/10 (descriptor C or D) PFJ, = higher PIP mobility but not automatically qualify for a BB. Or descriptor F for PFJ, 12 points = higher rate mobility, but still no automatic Blue Badge.

https://www.gov.uk/government/publications/blue-badge-can-i-get-one/can-i-get-a-blue-badge#people-who-automatically-get-a-blue-badge

HillStreetBlues

https://forums.moneysavingexpert.com/discussion/comment/82068050#Comment_82068050

But you’re still wrong

(PS I didn't feel the need to state mobility as it was a reply to you taking about mobility)

Marcon

https://forums.moneysavingexpert.com/discussion/comment/82066910#Comment_82066910

No pensions have 'built in health insurance'. Suggesting otherwise is extremely misleading to anyone reading your post.

Defined benefit schemes may offer ill health early retirement (not insurance) either while an active member (often with enhanced benefits) or in deferment, subject to medical evidence supporting the fact that the member qualifies for ill health retirement under the terms of the scheme in question.

Defined contribution schemes have no such provision, although employment terms may provide for the employer to make a discretionary 'top up' contribution - but that is rare. Permanent health insurance (aka salary replacement insurance) is the more common route, but it's expensive for the employer to provide, so is relatively uncommon.

rsvtoddy

The RNIB has very good information in applying for PIP and things to consider when completing the forms and answering questions.

As already said contact your local Citizens Advice and they will assist you.