pension credit & housing benfit

sadlybroke

hello
my dad has just turned 60 and he,s been told he can get guanteed pension credit of £189 a week he has a p/t job of £75 a week so he should get around £114 and still get full housing benfit and council tax benfit is this correct as when he was 59 he was only allowed up to £100 a week with full benfits it seems alot of different.

sadlybroke

hello
does anyone know the figures

chickmug

sadlybroke wrote: »

hello
does anyone know the figures

http://www.hounslow.entitledto.co.uk/
http://www.entitledto.com/

I have found the top online calculator very good but others suggest the second one. I do know at 60, compared to 59, it seems to trigger easier and better figures.

Good luck.

real1314

sadlybroke wrote: »

hello
does anyone know the figures

Blimey, give us a chance!!!! It's not MSN you know.

Anyways, the allowed income for an adult between 18 and 59 is only about £60 a week, whereas a 60+ is allowed about £130.

A guarantee creidt level of £189 sounds a bit high though, does he have any other incme at all?

You can get an estimate from the pension service here: http://www.thepensionservice.gov.uk/pensioncredit/calculator/home.asp

I think your £189 might be a bit out - unless he's got disabilities, even with no other income it's only £124 in guarantee credit.

Eager_Elephant

It is £189 if he has a partner.

Be careful of HB as if in private rented accomodation HB will not necessarily cover full rent.

EE

sadlybroke

hello
thanks for all the replys
it does seem my dad is now entilted to pension credit with full h/b c/t benfit
it,s hard to believe that from 59 to 60 triggers extra £90 a week
my dad and mum live in council house:T

terryw

sadlybroke wrote: »

hello
thanks for all the replys
it does seem my dad is now entilted to pension credit with full h/b c/t benfit
it,s hard to believe that from 59 to 60 triggers extra £90 a week
my dad and mum live in council house:T

There is certainly a big jump from 59 to 60. It's all to do with equal opportunities and the raising of the pension age. Your dad has reached this magic age and pension credit - the age at which it kicks in will gradually rise as the pension age rises.

I don't understand the bit about part-time wage £75 and the £114. Anyway bung several lots of "what if" figures into the entitled to calculator and see what the difference is. You might find that the part-time job is just not worth it terms of loss of pension credit and reduction in HB and CTC. Also the basic pension is liable to income tax (but not the pension credit top-up so far as I know) and this added to the part-time wage probably brings him into the income tax liability range. Be careful about this £75 wage....has this been taken into account into calculating the Pension Credit.

This whole thing is so complicated - one benefit or earnings affect another etc etc

Hope your mum and dad have a lovely retirement

terryw,

sadlybroke

thanks terryw
my dad does on average 15 hrs a week earning £75 with guanteed pension credit they will make it up to £189 so he should get around £115 (he has no private pension) and i was told if he gets guanteed pension thing he will get full benfit on hb ctb. i,ve told him he can not bother with part time work and still get £189 pension but he likes doing his part time work(hes still wary as he don,t believe the jump in money)

terryw

sadlybroke wrote: »

thanks terryw
my dad does on average 15 hrs a week earning £75 with guanteed pension credit they will make it up to £189 so he should get around £115 (he has no private pension) and i was told if he gets guanteed pension thing he will get full benfit on hb ctb. i,ve told him he can not bother with part time work and still get £189 pension but he likes doing his part time work(hes still wary as he don,t believe the jump in money)

Sorry Sadly but I still don't quite understand. The jump in money is probably correct but dad must be wary of working if this will affect all the other benefits.

Please list:
1. retirement pension
2. pension credit
3. rent gross
4. council tax gross
5. any other income i.e mums pension, savings interest

thanks

terryw

sadlybroke

hello

1 my dad has no retirement pension
2 at a guess he will get £115 a week guanteed pension credit
3 rent is around £73 a week (council owned)
4 council tax full price is around £1200 a year
5 my mum has no pension my dad gets £75 a week for p/t work
do you thinks my figures are correct on what he will get

terryw

sadlybroke wrote: »

hello

1 my dad has no retirement pension
2 at a guess he will get £115 a week guanteed pension credit
3 rent is around £73 a week (council owned)
4 council tax full price is around £1200 a year
5 my mum has no pension my dad gets £75 a week for p/t work
do you thinks my figures are correct on what he will get

Using the entitled calculator I make it £124.36 plus no rent or council tax to pay based on earnings of £75. Have a go with the calculator yourself....it really is dead easy.

best wishes

terryw