State Pension provides essential financial support every four weeks to around 12.4 million people across the UK, including 981,399 Scots.
This regular payment of £185.15 per week for the new full state pension or £141.85 per week for the old basic state pension (category A or B) is available to those who have reached the UK government eligible retirement age, which rose to 66 for both men and women in October 2020.
However, two other increases have been provided for in the legislation and are currently being reviewed for a gradual increase to age 67 for those born in or after April 1960 and a gradual increase to age 68 between 2044 and 2046 for those born in April 1977 or later.
For anyone approaching official retirement age, it’s worth knowing that your age may affect what benefits you can claim later, because when you reach state retirement age or credit age pension, you can start claiming some benefits while others stop.
Your state pension age is the same as your pension credit age, unless you are a male born before December 6, 1953.
You can check your state pension age and whether you can start claiming pension credit on the ‘Check your state pension age’ page on the GOV.UK website here.
Benefits affected by your retirement age
Turn2Us has created an essential guide to what benefits you cannot claim from the Department of Work and Pensions (DWP) when you reach state retirement age or pension credit age.
Pension credit age
When you or your partner reach Pension Credit age, you can no longer claim:
- Income-Based Jobseeker’s Allowance
- Employment and Income Support Benefit (ESA)
- Income support
- Universal Credit
When you, or your partner, reach the legal retirement age, you can no longer request:
- Contributory jobseeker’s allowance
- Contributory Employment and Assistance Allowance (ESA)
You cannot reapply for Disability Living Allowance (DLA) or Personal Independence Payment (PIP) once you reach state pension age, however, if you were receiving already DLA or PIP, you can renew the request even if you are beyond the legal retirement age.
This can only be done as long as you are applying for the same health conditions and your last application ended less than a year ago, before you reached state retirement age.
The DWP said DLA applicants born before April 8, 1948 will not transfer to the PIP, but those born after that date will.
People living in Scotland who currently receive DLA or PIP will be transferred to Scotland’s new devolved social security system from August 29 this year – migration for those on DLA is expected to take up to 18 months for all the applicants.
The Bereavement Support Payment and Widowed Parent’s Allowance are also not available once you reach state retirement age.
Benefits not affected by your statutory retirement age
You can claim these benefits even if you are over the legal retirement age:
- Child Benefit (provided by HMRC)
- Caregiver allowance – you may not be eligible for the full financial element depending on your state pension income
- Guardian’s allowance
- Statutory sick pay (SSP)
You can also claim these benefits even if you are over the legal retirement age, provided your income is low enough:
- Pension credit
- Housing allowance
- Council tax support
- Coverage of mortgage interest
- Working Tax Credit (HMRC) – you cannot re-apply for this, but if you already get it you can continue to receive it
- Child Tax Credit (HMRC) – you cannot re-apply for this, but if you already get it you can continue to get it
- Assistance with health costs
- Payment in cold weather
- Discount program for warm homes
- Payment for winter fuel
For more details on benefits when you reach state retirement age, visit the Turn2Us website here.
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