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  • FIRST POST
    • Easypd
    • By Easypd 24th Jan 18, 11:08 PM
    • 92Posts
    • 31Thanks
    Easypd
    Pension, no previous address.
    • #1
    • 24th Jan 18, 11:08 PM
    Pension, no previous address. 24th Jan 18 at 11:08 PM
    My wife’s father is in his 70s and is Ill. He has little to his name and has not drawn a pension. There is doubt over whether he can get it, hence me looking for help. He works full time currently.

    The illness is quite serious. Best case is he will need to convalesce during and after treatment.

    We will of course help him however we can, my wife will sell her car, we can make cutbacks and he can move down here with us. Helping him will put us in hardship, but we’ll cope.

    I just want to know if he can get a pension, or any other kind of help, as I am guessing his employer will medically retire him soon and an income for him will ease the whole situation. I’m fairly sure he has no private pension. Most of his life seems to be in two bin bags !!!128546;

    This is where there is doubt. He has lived abroad, but I am pretty sure he has paid at least 30 years uk NI. He has not claimed thus far because he lived for quite a few years with a lady who it turns out claimed some sort of benefit that she shouldn’t have whilst he was there. Essentially, he was ‘off the grid’ address wise. He said that his ‘pension forms’ need previous addresses and so he didn’t do them. He cannot fill them in without revealing that someone was claiming benefits incorrectly. He apparently lives in an area where there would be repercussions for anyone sharing this kind of info.

    Does anyone have an idea what we/he can do?

    Please, in your comments bear in mind he is ill and we are having difficult times. I’d rather no moral judgements. I am aware not making arrangements for retirement is not good and living with someone whilst claiming benefits is bad too. This is not my way, I play by the rules, but the whole thing is a mess. He is not well enough to work, but is scared to claim pension.
Page 1
    • xylophone
    • By xylophone 24th Jan 18, 11:39 PM
    • 25,371 Posts
    • 14,967 Thanks
    xylophone
    • #2
    • 24th Jan 18, 11:39 PM
    • #2
    • 24th Jan 18, 11:39 PM
    He is no longer living with the shady lady?

    He should check on whether he does have any private pension provision.

    https://www.gov.uk/government/news/new-pension-tracing-service-website-launched

    He should claim his state pension. As he did not claim it five + years ago, it has been deferred.

    https://www.litrg.org.uk/tax-guides/pensioners-and-tax/what-state-pension-deferral

    Form and notes here.

    https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/324636/br1.pdf
    • TELLIT01
    • By TELLIT01 25th Jan 18, 8:09 AM
    • 4,890 Posts
    • 5,225 Thanks
    TELLIT01
    • #3
    • 25th Jan 18, 8:09 AM
    • #3
    • 25th Jan 18, 8:09 AM
    The fact that he lived with somebody who may have been claiming benefits illegally should not directly affect his entitlement to State Pension. That is decided purely on his National Insurance record. If he was working in the UK and making NI contributions there is likely to be an entitlement.
    • Easypd
    • By Easypd 25th Jan 18, 10:38 AM
    • 92 Posts
    • 31 Thanks
    Easypd
    • #4
    • 25th Jan 18, 10:38 AM
    • #4
    • 25th Jan 18, 10:38 AM
    Thank you both! The shady lady is no more! I will get on this tonight. Thanks again
    • pmlindyloo
    • By pmlindyloo 25th Jan 18, 11:12 AM
    • 11,478 Posts
    • 13,371 Thanks
    pmlindyloo
    • #5
    • 25th Jan 18, 11:12 AM
    • #5
    • 25th Jan 18, 11:12 AM
    His state pension application must come first.

    If he is medically retired then he may be able to 'top up' his state pension with Pension Credit.

    Also, if he is sick and off work then depending on what income (sick pay?) he has he may still be eligible for Pension Credit.

    Also he may be eligible for Attendance Allowance now or in the future. (This is not means tested - he could be a millionaire and still be eligible)

    It is difficult to advise further until you know exactly what happens with his job. He may be entitled to sick pay, or something else. Perhaps this needs investigating too?

    AgeUK is a good source of information, help and support and your local branch may do home visits. Or his local CAB.

    It would be sensible to get him some support but you would need to know what he is earning now and what is going to happen with his employment.

    But............. state pension first.
    • Easypd
    • By Easypd 11th Feb 18, 10:36 AM
    • 92 Posts
    • 31 Thanks
    Easypd
    • #6
    • 11th Feb 18, 10:36 AM
    • #6
    • 11th Feb 18, 10:36 AM
    Well, its a bit crap and Im desperate for help.

    He has months, chemo wont touch things as its all to advanced. Just morphine. Pensions people will send forms next week and then take two weeks to process. He has stopped work and as of last week has zero income. Not a penny. With explanation of this, the best I could get is forms in the post probably next week with a two week processing time once received back.

    Can things be fast tracked?

    Can he take the differed pension as a lump sum? (Obviously, without being morbid he wont need it in 6 months)

    I am traveling twice weekly at a cost of £150 per week, taking groceries and have cancelled my family holiday, using this money and savings. It will be credit cards soon and I cannot tell him this.

    He is sharing with a flat mate, a one bed flat and he takes the couch apparently. She is starting to realise that she will have a very sick man on her hands soon and I guess she didnt sign up for this and will be looking to move him out.

    Feeling overwhelmed and after calling 5 different numbers, each progressively less helpful, I can see why people do not claim their entitlement.
    Last edited by Easypd; 11-02-2018 at 10:38 AM.
    • NeilCr
    • By NeilCr 11th Feb 18, 10:42 AM
    • 1,714 Posts
    • 2,294 Thanks
    NeilCr
    • #7
    • 11th Feb 18, 10:42 AM
    • #7
    • 11th Feb 18, 10:42 AM
    Can I suggest you talk to MacMillan

    http://finance.macmillan.org.uk/help-managing-your-money/money-worries

    In my experience they are very good and should be able to give you the support and help you need
    • Easypd
    • By Easypd 11th Feb 18, 10:45 AM
    • 92 Posts
    • 31 Thanks
    Easypd
    • #8
    • 11th Feb 18, 10:45 AM
    • #8
    • 11th Feb 18, 10:45 AM
    I did, they said they cannot offer financial advice and gave me government numbers. At least I was able to let some emotion out which helped a little. I will check your link though, thanks
    • Easypd
    • By Easypd 11th Feb 18, 10:46 AM
    • 92 Posts
    • 31 Thanks
    Easypd
    • #9
    • 11th Feb 18, 10:46 AM
    • #9
    • 11th Feb 18, 10:46 AM
    Sorry, no it was Marie curie. I will call these guys. Thanks!
    • NeilCr
    • By NeilCr 11th Feb 18, 10:51 AM
    • 1,714 Posts
    • 2,294 Thanks
    NeilCr
    Sorry, no it was Marie curie. I will call these guys. Thanks!
    Originally posted by Easypd
    No problem.

    In my area, anyway, MacMillan have trained welfare benefits advisers.
    • elmer
    • By elmer 11th Feb 18, 10:55 AM
    • 815 Posts
    • 1,421 Thanks
    elmer
    His doctor should issue a DS1500 which is a fast track to Attendance Alllowance for people who are terminally ill. It should be processed very quickly and will also qualify him for a Blue Badge
    • poppy12345
    • By poppy12345 11th Feb 18, 11:05 AM
    • 2,579 Posts
    • 2,555 Thanks
    poppy12345
    His doctor should issue a DS1500 which is a fast track to Attendance Alllowance for people who are terminally ill. It should be processed very quickly and will also qualify him for a Blue Badge
    Originally posted by elmer
    A person will only qualify for this under terminal illness if life expectancy is 6 months or less.
    • Easypd
    • By Easypd 11th Feb 18, 11:07 AM
    • 92 Posts
    • 31 Thanks
    Easypd
    Sadly, he qualifies. Although a blue badge in central London is funny. He doesnt even have a bike
    • xylophone
    • By xylophone 11th Feb 18, 2:30 PM
    • 25,371 Posts
    • 14,967 Thanks
    xylophone
    Can he take the differed pension as a lump sum? (Obviously, without being morbid he wont need it in 6 months)
    Yes. See

    https://www.litrg.org.uk/tax-guides/pensioners-and-tax/what-state-pension-deferral

    Re AA

    https://www.citizensadvice.org.uk/benefits/sick-or-disabled-people-and-carers/attendance-allowance/claiming-attendance-allowance/claiming-attendance-allowance-terminally-ill/

    Is he well enough to be moved to your home?

    A Macmillan nurse may be a possibility?
    • Easypd
    • By Easypd 11th Feb 18, 2:47 PM
    • 92 Posts
    • 31 Thanks
    Easypd
    Well enough to be moved. Asked/told/pleaded. Wants to spend his last times where he has spent most of his life with his friends.
    • xylophone
    • By xylophone 11th Feb 18, 3:16 PM
    • 25,371 Posts
    • 14,967 Thanks
    xylophone
    She is starting to realise that she will have a very sick man on her hands soon and I guess she didnt sign up for this and will be looking to move him out.
    Where will he go?
    Have you looked into whether hospice care will be a possibility?

    Will he give you Power of Attorney?

    https://www.gov.uk/government/publications/make-a-lasting-power-of-attorney

    Have you thought about funeral arrangements?
    • Easypd
    • By Easypd 4th Mar 18, 7:00 PM
    • 92 Posts
    • 31 Thanks
    Easypd
    Ok guys, sadly he was given 5 months. I got his pension forms together and his health declined over the course of 10 days. In the time it took me to get his forms, fill them in and get them to London (which was just a few days), he was judged by the hospice to not be sound of mind and able to do anything. He passed late last night. It took us by surprise, no will, no power of attorney.

    I have one more question please and please believe I have no interest in his money. I inherited £200 from a relative once and could not bring myself to spend it.

    We are looking at having to put my family in debt to cremate him. He deserves a good send off, but the thought of adding to our pressures at home makes me feel sick.

    He paid in to this pension and it seems unfair it will go to the state.

    I have found:

    https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/591894/state-pension-deferral-if-you-reached-state-pension-age-before-6-april-2016-and-you-die-extra-information.pdf

    Which says:

    If you are not married or in a civil partnership If you die before claiming your State Pension

    If you are not married or in a civil partnership and you die before claiming your State Pension, someone else may make decisions about your estate. They may be able to claim up to three months of the State Pension you have not claimed, and this could include any extra State Pension you have earned before your death. This will be paid to your estate. They cannot choose a lump-sum payment

    Can someone please clarify? Does this mean we could claim 3 months pension, or the whole lump sum (paid to his estate)

    If we could claim enough to cover expenses at least (if it goes to the estate, I could take a loan knowing I could clear it eventually when the estate is divided), I would be able to stop walking around with a brick in my gut and be able to start mourning.

    If no one knows, which is the best number to call. I went around in circles the other week just trying to get pension forms!
    Last edited by Easypd; 04-03-2018 at 7:02 PM.
    • xylophone
    • By xylophone 4th Mar 18, 10:08 PM
    • 25,371 Posts
    • 14,967 Thanks
    xylophone
    https://www.funeralzone.co.uk/help-resources/arranging-a-funeral/what-is-a-paupers-funeral-public-health-funerals-explained

    You could start by contacting the DWP.

    0800 731 7898
    • Easypd
    • By Easypd 4th Mar 18, 10:09 PM
    • 92 Posts
    • 31 Thanks
    Easypd
    Thanks a lot
    • venison
    • By venison 4th Mar 18, 10:33 PM
    • 2,051 Posts
    • 2,198 Thanks
    venison
    sorry for your loss
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