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Found 3 results

  1. Hi all, As this is probably quite an uncommon question, I don't know if anyone can help. I currently receive ESA contribution based, in the support group. I also have two small pensions which total less than £85 per week so I have no deductions for them. From next month (I will be 55!!!) I will be entitled to a further very small pension which would still keep me below £85 per week total, but I am considering just taking the whole lot as a lump sum (about £15K) to pay off the remaining mortgage. What I'm worried about is how DWP will view this - would it be considered capital and therefore irrelevant as I do not receive income based benefits, or am I likely to have to repeatedly prove I wouldn't have gone over the pension limit if I'd taken the annuity? I am aware that taking the cash now is not likely to be the most tax-efficient or cost effective option. Edit - I've found this fact sheet which I think says the money will be treated as capital, but I do read things wrong so would appreciate other opinions. https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/417473/pension-flexibilities-dwp-benefits.pdf
  2. Having been 'migrated' from Incapacity Benefit to ESA I found myself in the Support Group,but my wife was placed in the WRAG group. My wife's Contributory ESA has now expired after 12 months,and we were led to believe she'd qualify for Income Based ESA and got the form filled in and sent off,but now there seems to be a problem. Having spoken to the DWP it seems that I carry on receiving my Support Group £110.85 p.w. but my wife's Income Based ESA is now only worth £1.70 p.w. to a total of £112.55 (which doesn't seem like much for 2 people to live on?) The DWP advisor said that we should have been told that if I'd have claimed Income Based ESA instead of my wife that it would have been worth an extra £15 a week due to my Support Group status - some sort of 'support component'. Why would it matter which of us claims Income Based ESA? Shouldn't the DWP have told us who should claim what when we requested the form a month ago? None of this seems to make any sense to me,the DWP have been suspiciously vague about it all - is there some way to check what we're entitled to that doesn't involve asking the DWP?
  3. Hi, I was on Incapacity Benefit and moved to Contributory ESA for a year. I'm now moving to Income Related ESA but because I've gotten some money this year I will be a bit over the £6,000 savings rate to get the full amount. When I moved to Contributory ESA the amount I got was protected and I got the same as I had on Incapacity Benefit. Will I continue to get this rate on Income Related ESA even though I have some savings? By the way, even though I got about £20 more than i would normally on ESA because I was on this protected rate. All that actually happened is that they took that £20 off my Housing benefit because I was "getting too much". Thanks.
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