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  • FIRST POST
    • RebTech
    • By RebTech 11th Mar 18, 3:16 PM
    • 128Posts
    • 32Thanks
    RebTech
    Universal Credit -> Pension Credit
    • #1
    • 11th Mar 18, 3:16 PM
    Universal Credit -> Pension Credit 11th Mar 18 at 3:16 PM
    I'm male and reach SR age in roughly six months. I'm in receipt of a workplace pension of £125/mth and have around £60k in a SIPP which is not in drawdown, but I took UFPLS a couple of times over the past couple of years. I also have under £6k in investments.

    I'm on UC, supplying "fit notes" though receiving just the standard amount (minus the £125). I've been waiting to hear whether a face-to-face work capability assessment is required for months. I suspected they were delaying because of my impending Pension Credit eligibility, which in fact happened a few days ago. The Jobcentre staff seemed to feel at that point I'd be off their hands, but when I specifically asked my work coach how the UC->PC transition would work he said he didn't know, he'd never seen it before! (TBF he did say he'd find out.)

    I applied by phone for PC a few weeks ago and during the call they set up a conference call with the SIPP provider during which it was established that there's no restriction on what I can withdraw. The application was then to be sent to a specialist decision maker, but I've heard nothing since, except:

    On the actual day of eligibility, very nearly, I got an information request from the DWP for the SIPP provider that I had to sign and forward.

    I said the UC is the standard amount but my rent is covered. This is a full service area and HB was stopped on the switchover from ESA to UC.

    So my questions:

    Given that, in theory, I could withdraw the full amount from the SIPP tomorrow, will I get any PC?

    If not (or hardly any) what will be my position re UC?

    And if UC stops, considering the SIPP will I be eligible for HB?

    Sorry for the complexity, I'll be very grateful if anyone can help reduce all this uncertainty. I'm prepared to live mostly on capital for the next six months if I have to, I'd just like to know!
Page 1
    • xylophone
    • By xylophone 11th Mar 18, 3:47 PM
    • 25,565 Posts
    • 15,099 Thanks
    xylophone
    • #2
    • 11th Mar 18, 3:47 PM
    • #2
    • 11th Mar 18, 3:47 PM
    https://www.sheffield.ac.uk/polopoly_fs/1.531608!/file/pension_flexibilities_dwp_benefits.pdf

    Have you obtained a state pension statement?

    https://www.gov.uk/government/publications/application-for-a-state-pension-statement
    • RebTech
    • By RebTech 11th Mar 18, 5:36 PM
    • 128 Posts
    • 32 Thanks
    RebTech
    • #3
    • 11th Mar 18, 5:36 PM
    • #3
    • 11th Mar 18, 5:36 PM
    Have you obtained a state pension statement?
    Originally posted by xylophone
    Not recently, but is that relevant? It's six months away.
    • xylophone
    • By xylophone 11th Mar 18, 6:01 PM
    • 25,565 Posts
    • 15,099 Thanks
    xylophone
    • #4
    • 11th Mar 18, 6:01 PM
    • #4
    • 11th Mar 18, 6:01 PM
    Not recently, but is that relevant? It's six months away.
    Presumably you'd like to know what you can expect under the new state pension arrangement?

    https://www.gov.uk/new-state-pension
    • RebTech
    • By RebTech 11th Mar 18, 6:57 PM
    • 128 Posts
    • 32 Thanks
    RebTech
    • #5
    • 11th Mar 18, 6:57 PM
    • #5
    • 11th Mar 18, 6:57 PM
    Sorry, I stupidly responded before looking at your first link.

    That answers my main question, I'll be treated as having a notional income that I've worked out at about £180/mth, in addition to the actual pension currently received at £125/mth, so totalling roughly £300.

    Pension credit for singles tops up to about £690/mth, so in this case comes to £390. And for HB purposes my income would be £690, and the SIPP is irrelevant to that.

    If that's not correct I'd be very grateful to be told so! (Apart from the notional income, I take full responsibility for that guesstimate.)

    Edit: Yes I have checked my state pension statement.
    • Bimbly
    • By Bimbly 12th Mar 18, 8:41 AM
    • 63 Posts
    • 55 Thanks
    Bimbly
    • #6
    • 12th Mar 18, 8:41 AM
    • #6
    • 12th Mar 18, 8:41 AM
    I suggest asking this on the benefits board. I should imagine this question is more tailored to their expertise (such as there is on an open internet forum).
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