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Pension lump sum and Contribution ESA

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1 day 18 hours ago #298308 by Wilk
I have an old company pension worth about £4500. I also have an old personal pension with the same company. I am on contribution ESA and pip. I am married, 66 in May, which is when I will get my state pension.
Am I correct that my contribution ESA will stop when I get my state pension, but pip will continue?
Also if I take all the company pension as a lump sum now, (rather than wait till im 66), will it be classed as capital/savings and not affect my esa?
If its correct and I will continue to get pip as well as my state pension, will pip be affected by any lump sums or regular payments from a personal pension?

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19 hours 12 minutes ago #298371 by freefee
Replied by freefee on topic Pension lump sum and Contribution ESA
hi
i am not a mod on here, so someone can correct me if i am wrong, if your support group esa is entirely contribution based, then you can get up to £85 a week without any problems, anything over that then half would be taken from your esa, eg, £90 a week personal pension, 2.50 reduction per week, will be taken of your esa, your esa ends when you get the state pension, as for pip the general rule seems to be that you are normally reassessed a year before you retire, as you cannot claim it again in a separate claim once state pension age reached, if they try to reduce your pip you should be able to go through the mandatory reconsideration etc as normal, don't know what happens for sure what would happen if not reassessed after state pension age, but i would imagine the appeals system would still be in place, i have not reached state pension age myself yet, so maybe someone else could clarify this, hope this is correct and helps, also if your esa is entirely contribution based, then it is not means tested, so your bank balance shouldn't make any difference

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19 hours 10 minutes ago #298372 by freefee
Replied by freefee on topic Pension lump sum and Contribution ESA
only commented on this as it had dropped off the first page, hope this is ok

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18 hours 53 minutes ago #298373 by Gary
Replied by Gary on topic Pension lump sum and Contribution ESA
Hi Wilk

Welcome to the forum.

You might want to have a look at the following FAQ which explains where everything is; www.benefitsandwork.co.uk/guides-for-claimants/faq/forum.

Yes you are correct, CB ESA will stop a day before your birthday, your PIP will carry on as normal and is not affected by taking a pension lump sum. Freefee is correct, once you reach state pension age if you do not get any mobility or you only get standard mobility then you cannot apply for a change in circumstances to try and get the enhanced mobility component.

Gary

Nothing on this board constitutes legal advice - always consult a professional about specific problems

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