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  • Guest's Avatar
    Guest replied
    Hi Chris, Z3 Driver

    I think G60 means if your partner doesn't have an income then you can claim Income Support along side ESA to top it up for a couple, if you get 1p of Income support you will get C/T benefit. We couldn't get the income support bit so that is why they just based Micks ESA soley on what NI he contributed. Once our rennovtions had been done ie: wet room and through floor lift, we were however able to claim a disability reduction on the CT. But because I still work from home we had to contribute to the rennovations, if however we had qualified for the I/S we wouldn't of had to. Its all a bit swings and roundabouts we kept getting told that unfortunately we are in the trapped bracket as, we have no savings now,but I still work from home to look after Mick (no carers allowance as work 30 hours but full time carer ?) and pay the mortgage or we couldn't survive . Don't give up Chris you apply I'm sure you should get it. Told Mick about the pension but he doesn't want to ask if hes only 12months left can't blame him xxx Ang
    Last edited by angnmick; 30 June 2011, 22:00. Reason: added someone

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  • Guest's Avatar
    Guest replied
    Originally posted by G60dubber View Post

    CT benefit is means tested, however if you qualify to ESA and get an I/S top up of at least 1p you'll get full CT Benefit. If ESA only, you may get a reduction.
    many thanks G60 but think am i missing something , i thought ESA was I/S ( is I/S incapacity support ? ) so im struggling to understand how you can get ESA only.

    its been a long day mate sorry.
    aarrrggghhhh !!

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  • Guest's Avatar
    Guest replied
    With your NI stamp you should have enought to qualify, it will just be on your income via a means test. From my understanding, they can't force you to take a pension, however they may consider it as deprevation of income if you're choosing to not access a source of income.

    CT benefit is means tested, however if you qualify to ESA and get an I/S top up of at least 1p you'll get full CT Benefit. If ESA only, you may get a reduction. You should be getting Single Persons Discount if it's just you and your son in property.

    Have a chat with your local council as they tend to have a benefits advice team who will walk you through this.

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  • Guest's Avatar
    Guest replied
    Originally posted by Z3 Driver View Post
    Now there's a subject to talk about over a few beers ( and a madras ) for sure.
    I like that idea

    Ang, i will still persue it and hope for the best, i will be looking into getting my tiny pension in next few weeks too, straight into our extension fund if i get it

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  • Guest's Avatar
    Guest replied
    My income never came into it, it was just based on what NI Mick had paid over the years, they asked him if he was claiming a pension which he isn't so if he could maybe that would make a difference but hes not so he gets it,he has never had to go to the job centre or see any sort of panel ? This has a lot of inconsistancies ? Ang

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  • Guest's Avatar
    Guest replied
    Originally posted by Chris View Post
    if only we could have forseen what was to come
    Now there's a subject to talk about over a few beers ( and a madras ) for sure.

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  • Guest's Avatar
    Guest replied
    Its a bloody mine field mate, if your means tested on household income i'm screwed lol Polly gets a pretty good wage, i dont think they would care about her having to pay mortgage and all bills!

    Ive worked 20 years and it means sod all, if only we could have forseen what was to come

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  • Guest's Avatar
    Guest replied
    interesting how they decide, they told me yesterday when i called that it depends on how much national insurance you have paid and how much income you have in that household.
    therefore,

    1. since 18 years old i have always worked = 23 years of NI payments

    2. live alone with my son who's 14 so no other income unless i take pensions early ( not inc DLA ), or make my son get a paper round

    If thats not enough to qualify then why have i paid NI for all these years.

    They also said i may get help with interest payments on mortgage and council tax payment.

    Can they insist i take my pensions early?
    Do they means test you also?

    Any help appreciated, better to be educated on these things before i apply.

    Cheers Kevan

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  • Guest's Avatar
    Guest replied
    I've recently been denied ESA since my national insurance contribution history was insufficient. Advised to enquire about the possibility of retrospective payments to correct this I was then told that was not possible to do in order to then claim ESA - other benefits, yes, ESA, no? Good luck. Ron

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  • Guest's Avatar
    Guest replied
    Hi all
    In trying to access occupational pensions you could get some information from MNDA regarding the prognosis of MND as terminal. Chris, have you asked your neurologist (not GP) to write you a letter? Occupational pensions sometimes give a range of options a) full commution of the pension with a tax free lump sum b) a tax free lump sum and an anual pension if part of the pension supplement if given up c) an in between stage (betwen a and b) with an anual pension and a tax free reduced lump sum. Perhaps if you do not have neurologist who will write a letter to say that life expectancy could be less than a year then you may be able to opt for option option b or c above as it would bring in an anual pension. I think with either of those options it can still be available to the estate (whereas if the whole pension is commuted it is not passed on as a pension to the next of kin in the estate). Please note, these are just our own experiences- not pension advice and any one wanting to try to commute all or part of their occupational pension would be advised to seek authorative advice. Luckily we had access to a family friend who is a financial advisor.

    re ESA- we looked at the descriptors when determining limited capability for work; looking at all the descriptors and how they are scored. Luckily my mum won the appeal (however they have insisted on sending 2 letters a year asking her to come in). A firm discussion with a manager regarding the impact of her disability has "excused" mum from having to go in to the job centre. it certainly has not been easy to negotiate though. Good luck everyone.

    Do you want to carry on working? Obviously some people will not want or be able to carry on working. However if you wish to there may be a way- job centre plus funding under access to work. I do not have MND but another disability and work 3 days and have an additional 8 hours a week funded for a personal assistant to support me at work as a reasonable adjustment because of my disability. I know i have seen a couple of clips of a woman with MND who has remained working as a teacher and has support to enable her to remain in employment. Obviously support may not be always appropriate in all jobs; and there will be people who decide to spend time doing other things. As you will know, with MND it is always about finding new ways to do things- and if you want to try to stay in work then explore other alternatives to what you used to do.
    Luce

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  • Guest's Avatar
    Guest replied
    Sorry to hear that John also. makes you think though,
    i have a 17 year pension pot from my steelwork days
    a 5 year pot from my previous beverage can manufacturer days and
    2 months in this company pot,
    why draw on them when i could leave them for my sons inheritance and then claim ESA.
    Or does it not work like that.

    These things are never straight forward, were meant to be enjoying what we have and not trying to grasp the in's and out's of the benefit / pension system.

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  • Guest's Avatar
    Guest replied
    You can claim company pensions due to serious illness but policys vary, i needed to be dead in july this yr to get mine

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  • Guest's Avatar
    Guest replied
    Mick isn't getting his pension either so that is probably why do you think? Didn't know you could claim pension before its due ??? Ang

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  • Guest's Avatar
    Guest replied
    Sorry to hear that John. I have only got a very small amount in a pension that i couldnt get cos my doc wouldnt sign a letter saying i will die in a year!

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  • Guest's Avatar
    Guest replied
    Dont make me angry talking about this,ive been arguing with jobcenter plus since march and still dont get a penny, first i got an indefinate sick note when i was retired off on it here ill grounds, sent that off with details of my pension, then they say my pension is too much so im not entitled to it. I said i wanted my national.insurance contributions paid, another request for pension amount and around in circles you go again. I have given up now, whats the point having mnd at 43 - i wont be drawing my old pension!

    Sorry to being so somber, you might have better luck

    john

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