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Esa support, what happens when I reach 66yrs 8months?

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2 years 11 months ago #268759 by Christina
Hi After being successful with B&W help, awarded Pip for 10 years!!!!!!! MANY MANY THANKS. Now I'm worried as I have been told ESA stops when I reach pension age , which is 3 years before my husband who works. I have been in ESA support group for many years, will this be affected when I reach pension age? Will it be up to me to claim my pension, or can I leave it till my husband is due his? Sorry if this maybe outside B&W scope, but I really only trust B&W. fretting Christina

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2 years 11 months ago #268787 by LL26
Hi Christina,
ESA always stops at pension age because it is what's called 'an earnings replacement benefit'. - it is only given to people too ill to work. When you get to pension age, you will get state retirement pension instead.
Presumably this is Contribution based ESA, unless your husband only works for a very few number of hours per week?
Your state pension will depend on how much NI Contributions have been paid (or credited via ESA) - if you have been on ESA a long time it is likely you will only get the minimum rate, but this may actually be more than the ESA amount. State pensions are not means tested so you can get this, and whatever your husband earns without any deductions.
I suggest that you get an appointment with a benefits advisor, eg from CAB or similar. Ask the advisor to check your benefits to check what benefits you are entitled to. If you haven't done so already, contact DWP Pensions Service and ask for a full break down of your entitlement. Check to see if there are any gaps and seek explanations if so. Take the forecast to the advisor.
Normally state pensions are paid automatically. ESA ends one week, pension starts the next. However, it is always good to check these things so that you are sure what will will happen, and this should give peace of mind.
When you are both on state pension, if you have low income you may be eligible to receive Pension credits. Previously you could claim this when just one of you was at pension age, but the rules changed a couple of years ago. (There is a guarantee amount - if your combined state and/or occupational pensions or other earnings are below the prescribed limit you will get a top up.)
PIP will continue past pension age for as long as you continue to have sufficient disability. Please note however that you can not increase the mobility award after pension age. Please check that you have the correct mobility award now - if this should be at enhanced rate (or DWP made no mobility award) then you may wish to consider appealing before you get to pension age. Whatever mobility award you have now (or get via appeal if the appeal or MR is instigated now) will be the maximum you can get going forward at this point.
I appreciate you may not wish to appeal if this would upset your 10 year Daily Living award.
Again this may be something you might wish to discuss with a benefits advisor in person.
I hope this helps.
LL26

Nothing on this board constitutes legal advice - always consult a professional about specific problems

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2 years 11 months ago #268805 by phrank
Hi Christina,

You have to actually claim your state pension. You can phone the DWP ( just google the number) or, as I did, you can claim it online.

This is a fairly simple process and doesn't take long.

Incidentally, you can actually 'defer' your pension by not claiming it until you are ready which I believe will increase the amount you get. The longer you leave it, the more you will accrue.

I hope this helps.

Regards,

Phrank.

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2 years 11 months ago #268806 by denby
Hi Christina, my older sister was on ESA for years & max PIP. She got letters from 4 months before her 66th birthday telling her to claim her state pension. Due to her MH condition she ignored these until months after. This resulted in chaos as her housing and council tax support claims all stopped and it took our other sister a terrible lot of work to get it all reinstated.
So I would suggest look out for invitation letters from DWP and act on them promptly, as my sister's experience proved it is not in fact automatic [sorry LL26]. This way it should all transfer fairly smoothly.
Best wishes,
Denby
The following user(s) said Thank You: LL26

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2 years 11 months ago #268813 by pusscatsmum
Does this mean if you are on ESA and have been for a good number of years that the DWP will write to you 4 months before your 60th to apply and to complete the 26 page state pension form or is just a cursory reminder it will happen on your 66th birthday .
I will have 36 yrs full NI contributions by next april/2023.made up of work and the DWP contributions since 1999
will that give me the full state pension of £179 a week

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2 years 11 months ago #268814 by Gary
Hi pusscatsmum

You will not get your State Pension automatically - you have to claim it.

When you reach SP age your ESA/UC will stop. :(

State Pension claim line
Telephone: 0800 731 7898
Textphone: 0800 731 7339
Monday to Friday, 8am to 6pm (except public holidays)
www.gov.uk/state-pension/how-to-claim

Qualifying for the full amount
You usually need a total of 30 qualifying years of National Insurance contributions or credits to get the full basic State Pension.

If you have fewer than 30 qualifying years, your basic State Pension will be less than £137.60 per week. You might be able to increase the amount you get by paying voluntary national insurance contributions.

Check your National Insurance record to find out how many qualifying years you have. www.gov.uk/check-national-insurance-record

Warning: If you defer your pension for a period of time you need to work out how long it will take you to recover what you deferred, I did a calculation not long ago for my brother as he reaches SP age this year, it worked out 15 years, so he has now decided to take his pension and put it in a savings account.

Gary

Nothing on this board constitutes legal advice - always consult a professional about specific problems
The following user(s) said Thank You: pusscatsmum, an ex nurse, denby

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