Remaining politically neutral during General Election 2024
Under guidance from the Electoral Commission and Charity Commission, it's important that Scope remains politically neutral during General Elections.
While we understand that this period will see many passionate discussions, please make sure that your comments remain respectful of other people's opinions and keep to our online community house rules.
Savings, pension and contribution based ESA
Options
dmnm
Community member Posts: 4 Listener
Hi I'm on contribution based esa, how much savings am I allowed and if I cash in my 10k pension to pay for home improvements due to ill health is this included as savings.
Comments
-
I want to know the answer to this, as I lost my dear dad last year, and he left a few Bob which was supposed to be for me plus his 2 grandkids and 6 great grandkids. I never got round to sorting it out due to my health, and since then my eldest daughter hasn't spoken to me, so her and her kids share is in my bank account. It never crossed my mind that DWP can access my account, and there's £5k in it. No idea what their criteria on this is, so am interested to see if this gets feedback.
-
No I've just found out about this pension it was started when I was younger and I forgot about it
-
You need to make sure that all of your ESA is CB and not CB with an Income Related top up. CB is £110.75 per week, anything over that could be CB with a top up, then it will affect your ESA.
I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.If i see a question that i know the answer to i will try my best to help. -
I transferred from ib to esa so I get 115.10
-
Then it's CB and savings/capital doesn't affect this.
I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.If i see a question that i know the answer to i will try my best to help. -
I am on CB ESA and get £126.15 per week, does any body know what this is made up of? (lost all my paperwork so don't have a clue), thanks from SethLaa
-
SethLaa said:I am on CB ESA and get £126.15 per week, does any body know what this is made up of? (lost all my paperwork so don't have a clue), thanks from SethLaa
I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.If i see a question that i know the answer to i will try my best to help. -
Hi poppy123456, thank you for your help. David-Mark
-
Ah yes I think I have got it now as the figures you gave add up to £127.15 but I think I read somewhere that I lose £1 per week as I used to have just over £6000 in my account. As my ESA is based on Cont based and Income Related does that mean I still have to pay for Dental treatment and Prescriptions. Thanks very much for your input Poppy x
-
Yes any savings over £6,000 will affect any means tested benefits £1 for every £250 over that amount. As you receive the income related top up then yes this will qualify you for free prescriptions and dental treatment. You're welcome.
I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.If i see a question that i know the answer to i will try my best to help. -
OMG I doooon't believe it, this idiot thought that he (I) had to pay for dental. I spent £250 quid last year on 2 front teeth (my dog headbutted me ). Oh well at least I know now, thanks Poppy
-
Sorry to dig up this old thread, but if the OP cashed in his 10k pension, would it not be treated as 'income' rather than 'savings'?
-
wild_one said:Sorry to dig up this old thread, but if the OP cashed in his 10k pension, would it not be treated as 'income' rather than 'savings'?No because a lump sum is savings not income.Any weekly/monthly payments received from a pension is classed as income for means tested benefit. If someone is claiming Contributions based benefits then any income from a pension that's less than £85 per week is disregarded.I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.If i see a question that i know the answer to i will try my best to help.
-
Hi everyone I’m new. I was diagnosed with RA at the beginning of the year. I was already on ESA in the activity group because of depression. I was then moved onto the support group. How do I know which it is I’m getting? The contribution based or income based? Is it different amounts? I know I get a bit extra for the disability
-
mum01 said:Hi everyone I’m new. I was diagnosed with RA at the beginning of the year. I was already on ESA in the activity group because of depression. I was then moved onto the support group. How do I know which it is I’m getting? The contribution based or income based? Is it different amounts? I know I get a bit extra for the disabilityHi,Contributions based Support Group is £111.65 per week. Income Related is Support Group is £128.45 per week. Potentially more if you're claiming the severe disability premium.New style ESA support group which replaced Contributions based is £111.65 per week. There's no income related amount when claiming New style ESA.I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.If i see a question that i know the answer to i will try my best to help.
-
I’m getting £128 a week. It does say in my letter that I haven’t paid enough ni for them to be used in the assessment but it doesn’t specify anything else
-
mum01 said:I’m getting £128 a week. It does say in my letter that I haven’t paid enough ni for them to be used in the assessment but it doesn’t specify anything elseThat's income related. Also because you haven't paid enough NI contributions in the 2 years prior to when your ESA claim started it means that all of your ESA income related.Some people claim Contributions based with an income related top up but as advised, you need to have paid enough NI contributions in the 2 year before your claim started.Are you asking because of a pension you receive? as that's the tittle of the thread you've asked your question on. If so then because your ESA is all Income related then any pension you receive will affect your ESA £1 for £1.I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.If i see a question that i know the answer to i will try my best to help.
-
Ok but surely I would have to be working to get income based? No the reason I’m asking is my home is going to be sold due to divorce so I have to go into rental house and basically live off what I get from house sale. So once this all happens I will have to tell them? Not pension age yet.
-
mum01 said:Ok but surely I would have to be working to get income based? No the reason I’m asking is my home is going to be sold due to divorce so I have to go into rental house and basically live off what I get from house sale. So once this all happens I will have to tell them? Not pension age yet.No, you don't have to previously be working to claim income based/income related. You have to previously be working to claim Contributions based.Income related benefits are means tested, which means household income, savings and capital affect the amount you can claim. When your house is sold if there's any capital/savings then you must report those changes once they go into your bank account. Anything over £6,000 will affect the amount of ESA you can claim by £1 for every £250 over that amount. If you have £16,000 or over than you won't be entitled to any means tested benefits and your money will stop. Your ESA will remain open for NI credits towards your state pension only. Once your savings drop below £16,000 then you can contact DWP and your payments will restart but with a deduction.Do be aware also of deprivation of capital. Paying any debts that aren't immediately due, buy expensive items etc can be classed as deprivation of capital and you could still be classed as having the money.This link gives an explanation of what income related ESA means. https://www.benefitsandwork.co.uk/employment-and-support-allowance/esa-glossary/2753-income-related-esa
I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.If i see a question that i know the answer to i will try my best to help. -
Thankyou Poppy
Categories
- All Categories
- 13.2K Start here and say hello!
- 6.8K Coffee lounge
- 72 Games lounge
- 390 Cost of living
- 4.3K Disability rights and campaigning
- 1.9K Research and opportunities
- 205 Community updates
- 9.4K Talk about your situation
- 2.1K Children, parents, and families
- 1.6K Work and employment
- 781 Education
- 1.7K Housing and independent living
- 1.4K Aids, adaptations, and equipment
- 596 Dating, sex, and relationships
- 363 Exercise and accessible facilities
- 747 Transport and travel
- 32.1K Talk about money
- 4.5K Benefits and financial support
- 5.3K Employment and Support Allowance (ESA)
- 17.3K PIP, DLA, and AA
- 5.1K Universal Credit (UC)
- 6.3K Talk about your impairment
- 1.8K Cerebral palsy
- 875 Chronic pain and pain management
- 183 Physical and neurological impairments
- 1.1K Autism and neurodiversity
- 1.2K Mental health and wellbeing
- 317 Sensory impairments
- 822 Rare, invisible, and undiagnosed conditions
Do you need advice on your energy costs?
Scope’s Disability Energy Support service is open to any disabled household in England or Wales in which one or more disabled people live. You can get free advice from an expert adviser on managing energy debt, switching tariffs, contacting your supplier and more. Find out more information by visiting our
Disability Energy Support webpage.
If we become concerned about you or anyone else while using one of our services, we will act in line with our safeguarding policy and procedures. This may involve sharing this information with relevant authorities to ensure we comply with our policies and legal obligations.
Find out how to let us know if you're concerned about another member's safety.
Find out how to let us know if you're concerned about another member's safety.