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Private pension - ESA & PIP eligibility
- shabob1
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6 years 11 months ago #189048 by shabob1
Private pension - ESA & PIP eligibility was created by shabob1
I have just been notified that the pension board for my former workplace has approved me for a full pension. I have worked for the same company for almost 20 years. I don't know how much yet and I know there will be a lump sum but I am scared after everything I have been through to get ESA & PIP that I will not be eligible anymore and this means I won't be able to get a car which is something that I desperately need. Also if I don't get ESA because of it does it mean I then will not qualify for PIP? I am guessing that I will probably get approximately £250 a week pension but it is just a guess but the lump sum will be used to pay off bills owed since my husband was made redundant for the second time and then had cancer so we barely managed to hold onto our house. This also means that I wouldn't be able to get a car on credit because our credit rating as a consequence of reduced payments, is down the pan. I have been paying the bills since 2011 and getting a lump sum will mean the end of this nightmare. I have tried so hard and this with hindsight has badly affected my health. Both my husband and I had been looking after my Grandfather for years who had vascular dementia and passed away in 2014 and I have had to sort out the estate and deal with horrible money grabbing family, who never bothered to see my Grandad when he would have loved visitors. Sorry for the long post but can't stop worrying.
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- Gordon
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6 years 11 months ago #189051 by Gordon
Nothing on this board constitutes legal advice - always consult a professional about specific problems
Replied by Gordon on topic Private pension - ESA & PIP eligibility
shabob
Your PIP will not be affected by the benefit nor anything that might happen with your ESA as a result of the pension.
Your eligibility for ESA will not be affect either but your entitlement to payment may be affected. How will depend on what ESA you receive.
If you receive only Contribution Based ESA then there is an £85 per week disregard for pension income followed by a £1 per week deduction for every £2 of pension in excess of the £85.
If you are receiving Income Related ESA either in part or in whole then the pension income will be deducted £ for £ from your ESA(IR). Also if you take a lump sump means that you have savings exceed £6000 then there will be an additional deduction of £1 per week for every £250 in excess. If your savings exceed £16,000 then your ESA(IR) payments will be stopped while they remain over this total.
If you are receiving both ESA(CB) and ESA(IR) then the rules will be applied to the ESA(IR) first and then any unallocated pension will be applied to your ESA(CB).
As you can see this is quite complicated so you might want to get face to face advice from a trained advisor they should be able to give you a definitive statement of how your ESA will be affected.
Even if you do not think that your ESA will be affected you must still notify the DWP of this pension as soon as you have details.
Gordon
Your PIP will not be affected by the benefit nor anything that might happen with your ESA as a result of the pension.
Your eligibility for ESA will not be affect either but your entitlement to payment may be affected. How will depend on what ESA you receive.
If you receive only Contribution Based ESA then there is an £85 per week disregard for pension income followed by a £1 per week deduction for every £2 of pension in excess of the £85.
If you are receiving Income Related ESA either in part or in whole then the pension income will be deducted £ for £ from your ESA(IR). Also if you take a lump sump means that you have savings exceed £6000 then there will be an additional deduction of £1 per week for every £250 in excess. If your savings exceed £16,000 then your ESA(IR) payments will be stopped while they remain over this total.
If you are receiving both ESA(CB) and ESA(IR) then the rules will be applied to the ESA(IR) first and then any unallocated pension will be applied to your ESA(CB).
As you can see this is quite complicated so you might want to get face to face advice from a trained advisor they should be able to give you a definitive statement of how your ESA will be affected.
Even if you do not think that your ESA will be affected you must still notify the DWP of this pension as soon as you have details.
Gordon
Nothing on this board constitutes legal advice - always consult a professional about specific problems
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- shabob1
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6 years 11 months ago #189056 by shabob1
Replied by shabob1 on topic Private pension - ESA & PIP eligibility
Thank you Gordon for your quick reply. I am currently receiving Contributory ESA in the support group. Does this mean that even if I don't continue to receive a payment that I will still be eligible and therefore would still be able to get a motability car?
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6 years 11 months ago #189057 by Gordon
As I said your PIP will not be affected.
Gordon
Nothing on this board constitutes legal advice - always consult a professional about specific problems
Replied by Gordon on topic Private pension - ESA & PIP eligibility
shabob1 wrote: Thank you Gordon for your quick reply. I am currently receiving Contributory ESA in the support group. Does this mean that even if I don't continue to receive a payment that I will still be eligible and therefore would still be able to get a motability car?
As I said your PIP will not be affected.
Gordon
Nothing on this board constitutes legal advice - always consult a professional about specific problems
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