pension question v esa

hi all, i have a mineworkers pension that you can take from the age of 50 up until the age of 60 at reduced benefits or you are awarded the pension with full benefits if you leave it alone until you must take it aged 60 as this is the age it will be paid to you in full, as i am reaching 60 in a few months i have been checking up on what i can get from the pension scheme and apparently they now allow you to defer the pension until a later date and it will increase in line with the scheme rules. can i leave the pension for a few years without it affecting my ir Esa or do i need to inform the dwp that i have been offered the pension and will they make me take it when i am 60, or even worse would they tell me i should have taken it at 50 even though it would have been greatly reduced. i hope you understand what i am getting at eventually, many thanks for your time.

www.mentalhealthandmoneyadvice.org/en/

This is a really good site. Ask for a Pension forecast from your mineworkers pension. Read their website. If 60 is the Scheme age then you will have to claim it from then. The DWP can still count this amount even if you don’t claim it, as you are making a Conscious Choice not to bother. It will be taken off your IR ESA £ for £.

Google ‘ESA and Capital’. 6K you are allowed in savings before anything is affected. Also, *IF I REMEMBER CORRECTLY* any pension ‘lump sum’ is discounted for 12 months. [Keep receipts though just to cover yourself].

Go on a benefits calculator to see how you will be affected.