I am on the old style pension as are so many others so we are worse off to start off with as our state pension is lower than the new and we now also lose the WFA. Plus I pay tax as I have a small private pension from my late husband.
When he retired 20 years ago we had savings, my husbands private pension plus his state pension and my state pension so we were very comfortably off. Two years after retiring he fell ill and for a few years I became his 24/7 carer. I could not claim carers allowance as I had a pension in my own right which was classed as a benefit. We could not get any medical aids because each time the NHS lent them to us they wanted them back after a few weeks so we bought everything, stairlift, special bed, backrests, wheelchair, even urinals you name it we bought it. Our energy bills were £500 per month. I applied for Attendance allowance 6 times and was refused as they said he was not ill enough to claim it, finally I told them I was going to complain to my loca MP and go to the newspapers. The benefits office rang me and went through the forms again and then told me I was entitled to the full Attendance Allowance amount. My husband died three months later.
When he died, his state pension stopped and I received a pro rata amount of his private pension plus my own which I pay tax on. Since then, during the gales two years ago Storm Dennis etc. my garage roof, extension roof and porch roof were ripped off but the insurance company refused to pay out as it was classed as wear and tear. That was a few thousand pounds to pay out. My savings have dwindled right down as the central heating system broke down so I had to have a new one installed, another few thousand pounds.
This is the life of many widowed people. I checked the IHT and my house at the moment is in the clear but at 82 I do not feel as though I have the energy to even start looking for a small home especially when I love my home and have been here since we married in the 60's.
So I will have to grin and bear it. Luckily I can pay all my bills, I will put the heating on during winter to protect myself and protect my home from internal damage such as burst pipes, damp and mould. I don't have my gas central heating on during summer and have started using an air fryer, microwave and toaster, the oven is now obsolete so with a bit of luck I will manage through the cold months and if my energy usage is more than my direct debit payments they will be adjusted by the companies themselves so I refuse to worry about it. My health comes first.
At 82 years of age and losing my husband I no longer worry about what will happen, I have lived a fantastic life with the man I loved from being a teenager so now I will take what comes.