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Medical retirement,cont`based ESA and Tax credits


EYEBALLS01
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Wonder if anyone can advise. I`ve been off work for over a year after working and paying contributions for 34 years.

 

During the past year I have been on half and in May no pay and now get contribution based ESA, a higher child tax rate credit than before and high rate DLA (mobility and care) I appreciate that the latter is not means tested.

 

I heard on Friday after an appeal to Capita that I have been granted early medical retirement at the upper tier, which means I get my full pension. I don`t know any figures yet but it obviously won`t be as much as my precious salary.

 

My question is probably evident but do I lose all my ESA as it`s contribution based. Also presumably my tax credits will drop.

 

Many thanks in advance

IF I HAVE BEEN ANY HELP AT ALL OR JUST MADE YOU LAUGH AT MY STUPIDITY PLEASE MARK MY PERFORMANCE!

 

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For contributory ESA, the first £85 per week of a pension is disregarded. 50% of the remainder is deducted from ESA.

 

For tax credits, the first £300 per year of pension is disregarded, and the rest counts as income, in addition to any contributory ESA received.

Post by me are intended as a discussion of the issues involved, as these are of general interest to me and others on the forum. Although it is hoped such discussion will be of use to readers, before exposing yourself to risk of loss you should not rely on any principles discussed without confirming the situation with a qualified person.

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Zamzara

Thanks very much. Nice clear concise answer

Cheers

IF I HAVE BEEN ANY HELP AT ALL OR JUST MADE YOU LAUGH AT MY STUPIDITY PLEASE MARK MY PERFORMANCE!

 

ALSO REMEMBER TO DONATE. EVERY LITTLE HELPS AND THE FORUMS ARE FOR YOU!;)

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  • 1 month later...

I`m getting confused now. I`ve spoken to three different DWP employees and put my question in writing to which they have not replied regarding Contribution bases ESA.

 

They say that I am entitled to my £179 per fortnight even though I get a decent pension and lump sum and because I`ve paid 35 years worth of contributions I will continue to get it at least until retirement age.

 

It`s a very strange situation and I feel like I`m getting money under false pretencies but they tell me I`m not. Hopefully they`re correct but I would like something in writing as common sense would tell me that I would lose it as per the parameters supplied by ZamZara. Any ideas?

IF I HAVE BEEN ANY HELP AT ALL OR JUST MADE YOU LAUGH AT MY STUPIDITY PLEASE MARK MY PERFORMANCE!

 

ALSO REMEMBER TO DONATE. EVERY LITTLE HELPS AND THE FORUMS ARE FOR YOU!;)

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Hi,

 

Don't know if this'll be any use, but I retired on health grounds in September after 14 years service with the NHS. I got my full pension and lump sum, I recieve the highest rates of the care and mobility components of DLA and I'm in the support group for ESA which means I get £195 per fortnight, this since last April after 'passing' (!) their medical. My understanding of being in the support group for ESA is that basically they'll now leave me alone and not expect me to fill in any further forms or attend any more medicals, and my pension doesn't affect my payments.

 

Good luck with your retirement - it takes a bit of getting used to, especially when you've been forced to take it due to health problems. :):)

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Hi. Thanks for that. It`s getting even weirder as I got a phone call from DWP this morning (Saturday?) saying that they owed me some money to do with my mortgage interest. Although the lady could see my queries on her screen and saw that I was waiting for a callback she was from a separate Dept but did confirm that I would remain on Contribution based ESA.

 

The other thing is that I`ve had two medicals at home with the same ATOS medical advisor and if you read both his reports I should be on the Support Group. Even the Pathways to Work lady agrees and has deferred my interviews twice. I`ve written to them about all this but my letter seems to have gone into a black hole or waste bin so I`ll have to send it again.

As for enjoying my retirement I am starting to but it`s really strange having done shift work all my life being at home all day. I never really wanted to finish early but my work is undergoing dratic changes and the day after I got my retirement they disbanded 5 teams one of which was mine!

IF I HAVE BEEN ANY HELP AT ALL OR JUST MADE YOU LAUGH AT MY STUPIDITY PLEASE MARK MY PERFORMANCE!

 

ALSO REMEMBER TO DONATE. EVERY LITTLE HELPS AND THE FORUMS ARE FOR YOU!;)

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Hi again, Eyes :)

 

Yes, I would definitely advise you to chase up the letter that's gone into the ubiquitous 'black hole', as it's really worthwhile being allocated to the ESA support group, rather than the work related one, which most people, regardless of their problems, seem to be parked in. For a start, you'll get a bit more money in the support group, which is always useful when you're on a fixed income, but the main plus of it for me is that they leave me alone!

 

As a matter of fact, after I'd done my post yesterday, it got me thinking and I realised that actually when I went for the ATOS medical, my examiner, who was a local GP (not mine, but I recognised her from work) said in her report that I would be 'fit for a return to work' within three months. This in the face of a shedload of written evidence from my GP, my MS Specialist Nurse, my Neurophysiotherapist, my Occupational Health Consultant, the eminent professor who is my Consultant Neurologist and the fact that I'm on the highest levels of DLA! (and that's NOT an easy benefit to get as you'll no doubt know).:mad:

 

That said, (and here's the amazing part), the DWP disregarded the ATOS examiner's report and allocated me the ESA support group anyway, so it just goes to show that the DWP are capable of making sensible decisions every now and then and not treating all disability/sickness claimants as if they're liars and/or scroungers. It makes me wonder if the DWP have a 'Rubbish Illnesses That Aren't Worth Arguing About' list and anyone with one of these illnesses gets put in the ESA support group, whatever the ATOS examiner's report says. Who knows?

 

So yes, as I said, do go ahead and push for the support group and please make sure that you get a report or a letter from every professional who has had any input with your health condition, now matter how brief - they really do make a difference. ;) As for retirement, I was a bit of a lost soul to start with when I first went off sick in 2008. I missed my friends, the routine, our patients at the clinic where I worked, everything really, feeling part of a 'useful' society, 'paying my way', all that kind of thing. It does pass, though, and I soon settled into a different way of life, and whilst I've kept up with my old workmates and we regularly socialise, I've been able to do all sorts of computer-based things such as writing and research that I never had time for before because I was at work. Every cloud has a silver lining, so best of luck! :grin:

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Thanks for that it`s nice to get a nice,friendly answer and from one who empathises. I am starting to my retirement although stuck in most of the day.

 

I`ve posted off another letter today and also a certificate of ill health retirement from Capita who are much like ATOS and are very difficult to deal with. I got an upper tier full pension the criteria being that I was deemed unfit for any work so the support group should be obvious to them!

 

I`ll let you know how I get on. Cheers for now

IF I HAVE BEEN ANY HELP AT ALL OR JUST MADE YOU LAUGH AT MY STUPIDITY PLEASE MARK MY PERFORMANCE!

 

ALSO REMEMBER TO DONATE. EVERY LITTLE HELPS AND THE FORUMS ARE FOR YOU!;)

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  • 3 months later...

I am in a similar position - having worked for a government department for 30 years - Now Out of Work - unable to find suitable work - claiming ESA (Contribution based) in the WRA group + DLA, although I have mobility problems and my speech is vitrually non-existant - DWP don't see this as a reason to put me in the Support Group (expecting me to carry around mains powered "aids" ?)

Anyway - If I push hard enough - I should be entitled to Medical Retirement and receive a lump sum and associated pension (enhanced !!) -so if ESA is unaffected - I too will go for it !!!

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Dear Brainless.

Yes very similar If you need any advice with your ill health reirement application feel free to PM me. Cheers and good luck!

IF I HAVE BEEN ANY HELP AT ALL OR JUST MADE YOU LAUGH AT MY STUPIDITY PLEASE MARK MY PERFORMANCE!

 

ALSO REMEMBER TO DONATE. EVERY LITTLE HELPS AND THE FORUMS ARE FOR YOU!;)

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Eyeballs, did you get your answer in writing?

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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Erika

I have a certificate from Capita saying that I meet the upper tier criteria and am unfit for any work. I have sent a copy to ATOS who have not yet replied.

I have though just received another ESA pack to fill in. When I phoned DWP they said it was nothing to do with the appeal. I have also just been given a third deferrment by Pathways to Work as they can see the condition I`m in

IF I HAVE BEEN ANY HELP AT ALL OR JUST MADE YOU LAUGH AT MY STUPIDITY PLEASE MARK MY PERFORMANCE!

 

ALSO REMEMBER TO DONATE. EVERY LITTLE HELPS AND THE FORUMS ARE FOR YOU!;)

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