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Can I stop my Incapacity benefit?


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Hi,

I am due to be made ill health early retired and subsequently receive a pension, £7k I believe, from my employers. My main problem is that this pension will not even cover my mortgage payments, £12k, over the year let alone any other costs.

 

I am currently receiving long term incapacity benefit and DLA, Mobility and Care at the highest rate. These plus my pension will be higher than the qualifying threshold for Income Support. However I need Income Support so that I can have help with my mortgage interest and council tax otherwise I will lose my house.

 

Is it possible to opt out of Incapacity Benefit in order to qualify for Income Support?

 

Please say yes!

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I wish I could say yes, but unfortunately not. If you qualify for Incapacity Benefit then you can't opt out of IB and claim Income Support instead. If you claim both IB and IS then as the contribution based benefits are always assessed first, if you qualify for IB that is the benefit you would be awarded. Sometimes, depending on your circumstances, you qualify for a small IS top up on top of your IB. If you don't satisfy the requirements for IB, then Income Support would be assessed on the grounds of Incapacity.

 

Sorry this isn't the news you want. I am 99% that is correct but I am sure someone else will come along and check it.

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