ESA, PIP and State Pension

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Funnyday

Well-known member
Joined
Oct 15, 2016
Messages
436
#1
I tend to rather not think about retirement. However, if you have to live on benefits till that point, what does it all mean?

When you reach state retirement age. If you defer receiving the state pension and any private pension too. Can you stay on benefits indefitnatelly? As this would leave me better off by a substantial amount. Thoughts?
 
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winofunk

Guest
#2
I think it depends on the working age benefit you are referring to...

I believe that Severe Disablement Allowance is the only benefit you can opt to receive instead of a state retirement pension. If you are in receipt of working age earnings replacement benefits, I do not k know ow that deferring your state retirement pension is an option.
 
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winofunk

Guest
#3
You can continue to receive PIP beyond state pension age, for as long as you are assessed as entitled...But you may benefit from claiming Pension Credit rather than Income-Related ESA.

You should get a better off calculation to help determine your options.
 
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ramboghettouk

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Founding Member
Joined
Jan 7, 2008
Messages
14,474
Location
london
#4
i think those on pension credit who receive housing benefit will be effected by universal credit as housing benefit is a legacy benefit

guess more of the same
 
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winofunk

Guest
#5
Rambo,

I had thought that since universal credit is for people who are not of pension credit age, then those who receive the guarantee element of pension credit will continue to be entitled to maximum housing benefit? Housing benefit is not being taken away completely, is it?
 
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ramboghettouk

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Jan 7, 2008
Messages
14,474
Location
london
#6
Rambo,

I had thought that since universal credit is for people who are not of pension credit age, then those who receive the guarantee element of pension credit will continue to be entitled to maximum housing benefit? Housing benefit is not being taken away completely, is it?
housing benefit is been taken away as the responsibility of councils and added to the total benefits you receive, theres no reason why they won't apply it to pension credit, it may become universal credit, housing benefit is in effect been taken away completely