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Thread: Contribution to personal pension

  1. #21
    Senior Member nukecad's Avatar
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    Just to clarify something here:

    In April you said:
    I have no outstanding debt etc.
    But now you say:
    The debt will be paid off on 1 June
    You also mentioned 'Debt Management' before, but I had assumed you were just using the wrong term for the ESA backpayment that you'll get if found in Support Group.

    Are you actually paying off a debt to the DWP that is currently being deducted from your ESA?

    Next:
    When did you first claim NS ESA?
    Was it in June 2020?

    To your latest questions:

    As you have savings of over £16K then you can't claim UC - so talking about when to claim UC is irrelevant.

    If your savings go below £16K and you claim UC then any money you get for ESA will be deducted £ for £ from UC anyway.
    So even then it's not worth claiming UC unless the ESA stops altogether (after a year).

    You should just stay with ESA and hope to get an assessment and group decision done before it runs out.
    If your ESA does run out and you then claim UC (having 'reasonably' savings under £16K) you should not expect to get much UC at all, your savings will still be high enough to greatly reduce your UC payments.
    I don't know everything. - But I'm good at searching for, and finding, stuff.

    Migration from ESA to Universal Credit- Click here for information.

  2. #22
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    Quote Originally Posted by nukecad View Post
    Just to clarify something here:

    In April you said:
    But now you say:

    You also mentioned 'Debt Management' before, but I had assumed you were just using the wrong term for the ESA backpayment that you'll get if found in Support Group.

    Are you actually paying off a debt to the DWP that is currently being deducted from your ESA?

    Next:
    When did you first claim NS ESA?
    Was it in June 2020?

    To your latest questions:

    As you have savings of over £16K then you can't claim UC - so talking about when to claim UC is irrelevant.

    If your savings go below £16K and you claim UC then any money you get for ESA will be deducted £ for £ from UC anyway.
    So even then it's not worth claiming UC unless the ESA stops altogether (after a year).

    You should just stay with ESA and hope to get an assessment and group decision done before it runs out.
    If your ESA does run out and you then claim UC (having 'reasonably' savings under £16K) you should not expect to get much UC at all, your savings will still be high enough to greatly reduce your UC payments.
    Sorry for confusion I am finding this all bit overwhelming too and I am not looking forward to it and as you say I would much rather stay on ESA but seems I am going to be another victim on here where ESA expired and not get anything till assessed as they've confirmed this will happen so come 18 June will be my last assessment rate of ESA. I can see from what you are saying, and they know it's not worth my while switching, and so forth, as even with the uplift ending 4 pence on top is not worth going to UC. I really hope some assessment soon but given the backlogs, hopefully get payments on ESA back in SG back by end of July etc given my paydates are on Fridays July is a long month so I get 3 in July. I haven't been looking forward to UC and am very scared, I guess I do not like change too, so am really hoping this is done soon but feel a bit forced, given the circumstances, I know it's nobodys fault with Covid etc.

    I first began this on 19 June 2020 first fit note was dated 20 June 2020 so this all begain then and my final asessment rate on ESA will now be 18 June 2021 nothing beyond then till decision made.

    I am sorry for confusion with "Debt Management" I was referring to my arrears on Support Group.

    The debt of my own paid off on 1 June would be for the clothes I purchased.
    Last edited by anonymous; 16-05-21 at 09:04. Reason: correct uplift amount

  3. #23
    Senior Member nukecad's Avatar
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    Unfortunately you are not the first we have seen here whos ESA is running out after 12 months with no assessment.
    And I expect you won't be the last that we see either.

    Hopefully they will get their fingers out before it ends, but if not then their stance is that you have sufficent savings to live on for now or you would already be claiming UC.

    It's the savings that are making things a bit awkward here.
    If you had less than £6K you could just claim UC and get the full Standard Allowance until the assessment is sorted out.
    (TBH it would be the same problem if 'Old Style' Income Related ESA were still possible - too much in savings).

    If you do get your savings down and make a UC claim then here's an example of what you could expect:

    If you claimed UC you would only get the Standard Allowance, no LCWRA element (not assessed yet), no housing element because you live with parents.

    I'm not sure of your age but the UC Standard Allowances (including covid uplift) are:
    Under 25- £342.72
    Over 25 - £409.89

    So say you had £14,999 in savings/capital then there would be a deduction of £4.35 for each £250, or part of £250 over £6,000.
    In other words 36 x £4.35 = £156.60 would be deducted from the Standard Allowance because of savings.

    Which would leave:
    Under 25- £186.12 a month.
    Over 25 - £253.29 a month.

    Then if/when the covid uplift ends in September it would go down by another £86.67 a month.
    If you are under 25 then that would leave only £99.45 a month UC payable.
    So it's something but not a lot.

    If you then get assessed into Support Group/LCWRA the the money you then get for ESA, combined with your savings level, would wipe out the UC again.

    PS. UC isn't the monster-to-be-avoided that it used to be, things have changed for the better.
    (Myself I have this week been seriously considering putting a UC claim in even though I don't have to, mainly to get the 2week benefits overlap I could as well as a UC advance.
    However I've decided it's better for me to apply for a Budgeting Loan on ESA instead and save the UC 'goodies' till later).
    I don't know everything. - But I'm good at searching for, and finding, stuff.

    Migration from ESA to Universal Credit- Click here for information.

  4. #24
    New Member
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    Mar 2021
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    Finally on 8 June 2021 got my letter for WCA on 17 June will be in touch how it goes, but thank you for your time.

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