Incapacity Benefits to be means tested

[Bulletguy]

duetto owner - 2010-10-16 10:09 AM

 

Incapacity Benefits it has been means tested for ages, if you get a works pension your benefit is zero

 

Are you absolutely certain of that?

 

A guy who used to work at my place has been on Incapacity benefits for the past few years now and as far as i'm aware is drawing his works pension.

[Mel B]

I would imaging it is dependent on the AMOUNT of your works pension, some are pitiful.

[Guest pelmetman]

Correct me if I am wrong (and I usualy am (lol) ) but I think you only need 30 years contributions now to qualify for a state pension :D

 

Incidentaly anyone out there who employs their better half like me, and only pays them up to the stamp level. You still need to do the box ticking and send in a form to the PAYE to make sure they get their pension credits,

not sure of the form name the accountant now sorts it.

 

We only found out by accident, when Sue asked for a pension forcast, they said she was 8 years short 8-) although she had worked for me for the last 10 years, they would not accept a letter from my accountant saying this, although they are happy to accept my accountants figures for my tax >:-(

 

We are going through the box ticking exercise now, but we will still have to pay an extra 4 years worth of stamp.......... although she has worked >:-(

[LordThornber]

pelmetman - 2010-10-17 3:49 PM

 

Correct me if I am wrong (and I usualy am (lol) ) but I think you only need 30 years contributions now to qualify for a state pension :D

 

 

100% correct, but once you have you can't stop paying them, that would have been nice

:-(

 

Martyn

[nightrider]

pelmetman - 2010-10-17 3:49 PM

 

Correct me if I am wrong (and I usualy am (lol) ) but I think you only need 30 years contributions now to qualify for a state pension :D

 

Incidentaly anyone out there who employs their better half like me, and only pays them up to the stamp level. You still need to do the box ticking and send in a form to the PAYE to make sure they get their pension credits,

not sure of the form name the accountant now sorts it.

 

We only found out by accident, when Sue asked for a pension forcast, they said she was 8 years short 8-) although she had worked for me for the last 10 years, they would not accept a letter from my accountant saying this, although they are happy to accept my accountants figures for my tax >:-(

 

We are going through the box ticking exercise now, but we will still have to pay an extra 4 years worth of stamp.......... although she has worked >:-(

Its 38 years of NIC's for a full pension, not sure but I dont think you get anything for belated payments, would be worthwhile to check that out.

[Guest Peter James]

Should take a look at the royal Family and their hangers on. I know we have got millions of others living off the state, but they are just taking the piss.

[Guest Peter James]

CliveH - 2010-10-13 8:50 AM

 

Malcolm - I my professional opinion - Private Pensions are very bad value indeed - especially so for the Basic rate taxpayer.

 

So is putting your money in a Bank or Building Society and getting less than the rate of inflation, then paying tax on it.

 

If you offer a better deal to private pension providers than you do to ordinary savers (like Thatcher did) aren't you just lining the pockets of private pension salesmen at taxpayers expense?

[Basil]

knight of the road - 2010-10-17 6:53 PM

 

Its 38 years of NIC's for a full pension, not sure but I dont think you get anything for belated payments, would be worthwhile to check that out.

 

No it is 30 years if you are a man born on or after 6 April 1945 or a women born after 6 April 1950.

 

see

 

http://www.direct.gov.uk/en/Pensionsandretirementplanning/StatePension/Basicstatepension/DG_10014671

 

for full details and for earlier birth dates.

 

Bas

 

 

[nightrider]

Basil - 2010-10-17 7:57 PM

 

knight of the road - 2010-10-17 6:53 PM

 

Its 38 years of NIC's for a full pension, not sure but I dont think you get anything for belated payments, would be worthwhile to check that out.

 

No it is 30 years if you are a man born on or after 6 April 1945 or a women born after 6 April 1950.

 

see

 

http://www.direct.gov.uk/en/Pensionsandretirementplanning/StatePension/Basicstatepension/DG_10014671

 

for full details and for earlier birth dates.

 

Bas

 

I wonder if I can claim a rebate :-D

[Bulletguy]

Basil - 2010-10-17 7:57 PM

 

knight of the road - 2010-10-17 6:53 PM

 

Its 38 years of NIC's for a full pension, not sure but I dont think you get anything for belated payments, would be worthwhile to check that out.

 

No it is 30 years if you are a man born on or after 6 April 1945 or a women born after 6 April 1950.

 

see

 

http://www.direct.gov.uk/en/Pensionsandretirementplanning/StatePension/Basicstatepension/DG_10014671

 

for full details and for earlier birth dates.

Thats correct though in the majority of cases people work far more than 30 years. Certainly non-professionals will.

 

I left school at 15 and am now 60 so have worked for 45 years. No idea at all if I was paying NIC at 15 years old. I didn't even look at those kind of figures back then. I was far more interested in the 36-24-36 kind of figure! (lol)

 

What does concern me though is the continual shifting of goal posts where people heading toward 'hopeful' retirement find themselves facing a bleak future as Government continue to chip away at certain benefits. I now miss out on the Winter Fuel allowance as I was born after 5th July 1950. A difference of just eight weeks.....but also £1250 at £250 pa. I am quite angry about that change which has only recently happened. The question is just how much more chipping away will be done?

 

 

[Guest pelmetman]

You will also not get your bus pass at 60, another thing they've moved the goal posts on.

 

Sue

[Bulletguy]

pelmetman - 2010-10-18 2:39 PM

 

You will also not get your bus pass at 60, another thing they've moved the goal posts on.

 

Sue

 

Quite right though have to admit that was more of a novelty value to me anyway as where I live buses run on a wing, prayer and divine intervention! Not only is it a miracle when and if one turns up, most are decrepit old 'charabancs' which give the ultimate bone shaker ride. *-)

 

But £250 off my fuel bill would have been very helpful.

 

 

[Guest pelmetman]

Sue is quite miffed at not getting her bus pass :D

 

The funny part is we dont get any buses here (lol) (lol) (lol)

[Syd]

Think not of what my country can do for me but what I can do for my country

[Guest pelmetman]

Syd - 2010-10-18 3:12 PM

 

Think not of what my country can do for me but what I can do for my country

 

Quite right.....................and I think Sue has made the ultimate sacrifice her bus pass (lol)

[malc d]

It's all a matter of being born at the right time - and ( so far ) the government does not control that.

 

If you had been born many years earlier you may have been conscripted into the army and sent to fight in the war.

Born a bit later you could have been conscripted into National Service and paid a couple of pounds a week while the regulars serving alongside were paid two or three times as much as you.

 

Any time any changes are made there are those who gain and those who lose.

 

We all just have to get over it.

 

( Life ain't fair -never will be )

 

 

[Guest pelmetman]

malc d - 2010-10-18 3:40 PM

 

( Life ain't fair -never will be )

 

 

I agree :D.......... but its the moaning about it that keeps us happy (lol)

[nightrider]

I dont care what anybody says, life is tough, look after yourself because the government wont, but at the same time look out for the most vulnerable people.

[Basil]

Bulletguy - 2010-10-18 2:13 PM

 

What does concern me though is the continual shifting of goal posts where people heading toward 'hopeful' retirement find themselves facing a bleak future as Government continue to chip away at certain benefits. I now miss out on the Winter Fuel allowance as I was born after 5th July 1950. A difference of just eight weeks.....but also £1250 at £250 pa. I am quite angry about that change which has only recently happened. The question is just how much more chipping away will be done?

 

 

Not quite sure where your £1250 comes from because as things stand currently, may change this week (yuk), you will be entitled (roughly worked out from your comment of eight weeks difference) you will be entitled to your bus pass from 06 January 2011 and also be entitled to winter fuel payment from 2011 so you will only (currently) lose the 2010 entitlement so not quite so bad. I fall into a very similar category.

 

Bas

[Bulletguy]

Basil - 2010-10-18 6:02 PM

 

Bulletguy - 2010-10-18 2:13 PM

 

What does concern me though is the continual shifting of goal posts where people heading toward 'hopeful' retirement find themselves facing a bleak future as Government continue to chip away at certain benefits. I now miss out on the Winter Fuel allowance as I was born after 5th July 1950. A difference of just eight weeks.....but also £1250 at £250 pa. I am quite angry about that change which has only recently happened. The question is just how much more chipping away will be done?

 

 

Not quite sure where your £1250 comes from because as things stand currently, may change this week (yuk), you will be entitled (roughly worked out from your comment of eight weeks difference) you will be entitled to your bus pass from 06 January 2011 and also be entitled to winter fuel payment from 2011 so you will only (currently) lose the 2010 entitlement so not quite so bad. I fall into a very similar category.

 

Bas

 

Simple.

 

To qualify now you have to be born on or before 5th July 1950. I was born September 1950 so won't receive it until i'm 65.

 

Five years at £250 pa = £1250.

 

http://www.direct.gov.uk/en/Pensionsandretirementplanning/Benefits/BenefitsInRetirement/DG_10018657

 

 

 

 

[Basil]

Bulletguy - 2010-10-18 9:08 PM

 

[simple.

 

To qualify now you have to be born on or before 5th July 1950. I was born September 1950 so won't receive it until i'm 65.

 

Five years at £250 pa = £1250.

 

http://www.direct.gov.uk/en/Pensionsandretirementplanning/Benefits/BenefitsInRetirement/DG_10018657

 

 

 

 

Hi BG, sorry but I believe you may have misunderstood. If you read the page that you have linked to, the section headed

 

'Changes to the qualifying age'

 

It states:-

The qualifying age for Winter Fuel Payment for both men and women is rising in line with the increase in women’s State Pension age.

 

Then use the calculator on

 

http://www.direct.gov.uk/en/TravelAndTransport/Publictransport/BusAndCoachTravel/DG_10036264

 

As I understand it this means, using the information gleaned from your earlier post, you should be entitled to it at the date a woman born the same day as you will be entitled, i.e.You are entitled on the 6 January 2011 (using the first of the month of September) to bus pass and as you will be of the correct age in September of 2011 you should qualify.

So as I said earlier the next year so you will only lose £250 for this year, that is of course if the lying thieving rich bar stewards don't make further alterations this week!

 

Bas

 

 

[Bulletguy]

Basil - 2010-10-19 4:35 PM

 

Bulletguy - 2010-10-18 9:08 PM

 

[simple.

 

To qualify now you have to be born on or before 5th July 1950. I was born September 1950 so won't receive it until i'm 65.

 

Five years at £250 pa = £1250.

 

http://www.direct.gov.uk/en/Pensionsandretirementplanning/Benefits/BenefitsInRetirement/DG_10018657

 

 

 

 

Hi BG, sorry but I believe you may have misunderstood. If you read the page that you have linked to, the section headed

 

'Changes to the qualifying age'

 

And this is what that sub-section says;

 

The qualifying age for Winter Fuel Payment for both men and women is rising in line with the increase in women’s State Pension age.

 

To have reached the qualifying age for a Winter Fuel Payment for winter 2010/11 you will need to be born on or before 5 July 1950.

 

I was born September 1950 so will not qualify for winter fuel payment until i'm 65.

 

 

[Basil]

Bulletguy - 2010-10-19 5:48 PM

 

Basil - 2010-10-19 4:35 PM

 

Bulletguy - 2010-10-18 9:08 PM

 

[simple.

 

To qualify now you have to be born on or before 5th July 1950. I was born September 1950 so won't receive it until i'm 65.

 

Five years at £250 pa = £1250.

 

http://www.direct.gov.uk/en/Pensionsandretirementplanning/Benefits/BenefitsInRetirement/DG_10018657

 

 

 

 

Hi BG, sorry but I believe you may have misunderstood. If you read the page that you have linked to, the section headed

 

'Changes to the qualifying age'

 

And this is what that sub-section says;

 

The qualifying age for Winter Fuel Payment for both men and women is rising in line with the increase in women’s State Pension age.

 

To have reached the qualifying age for a Winter Fuel Payment for winter 2010/11 you will need to be born on or before 5 July 1950.

 

I was born September 1950 so will not qualify for winter fuel payment until i'm 65.

 

 

Hi BG, I still believe (and certainly hope) you are not understanding this correctly. The date to which you refer is for 2010/11, and the qualifying date for next Septenber (2011) will be in line with the increasing age of a womans born on the same date, that is if it is not changed this week. This will gradually raise the age to 65 along with all other relevant benefits. that is the concept that was laid down to raise the age that benefits may be taken without over penalising people that are just coming up to that age.

That is how it was explained to me by the Pension Service and appears to be born out by the information on the page I linked to earlier as the date you quoted (born on or before 5th July 1950) clearly states for 2010/11.

 

Bas

[enodreven]

Hi, The benefits to OAPs are to stay as they are e.g. Winter fuel allowance, Bus Passes, over 75's free TV licence etc. and he has made that commitment for the rest of this parliament , if you believe him LoL

[Bulletguy]

Basil - 2010-10-19 9:33 PM

 

Hi BG, I still believe (and certainly hope) you are not understanding this correctly.

 

I'd really like to believe you are right, but I just don't read it the way you seem to I guess. Anyway we will eventually see as the payments are automatic. There is no need to apply unless you believe you qualify, but haven't been paid.

 

Meantime I will have to start looking around for any trees being chopped down as I have an open fire. Not even retired yet but i'm already looking at how I can penny pinch! *-)