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5 years 1 week ago #247223 by Moonshine
Pension and ESA? was created by Moonshine
Hi there. I'll try to make this as short as possible and would be grateful for any help or advice you can give me. Long story short: I am coming up to pension age and because I worked abroad (outside the EU) for many years my pension is very little. I am on ESA and I applied for my pension along with pension credit since I can't live on the amount I'm entitled to. I got two letters, one from the pension service and one from ESA. The ESA one said that from 6th of May (my state pension age) I would receive a certain amount a week. When I added up the pension and the ESA amount it comes exactly to the amount I would get if I got the full state pension. I am confused. I thought I would get my ESA stopped once I reached State pension age? Could it be that this is how they will top up my pension- i.e. pension credit? I would be most grateful for any advice.

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5 years 1 week ago #247252 by Gary
Replied by Gary on topic Hi
Hi moonshine

Pension Credit is an income-related benefit made up of 2 parts - Guarantee Credit and Savings Credit. Guarantee Credit tops up your weekly income if it’s below £173.75 (for single people).

Since 15 May 2019 Pension Credits rules changed and is now based on the youngest of a mixed aged couple. www.gov.uk/pension-credit/eligibility

You are correct when you say your ESA will stop when your reach State Pension age. Pension Credit is a 'top up' providing you meet the qualifying conditions.

Gary

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