I was confused before, but now I am just more so.
Fact: DH got his WFA for the first time last year.
Fact: Both DH and I still work.
Fact: We both felt terribly guilty for taking it/ getting it etc.
Fact: We decided to get it and donate it to our DS and DDiL who with three children struggle far more than we do to pay their fuel bills.
Fact: If we had not taken it, it would not have gone to a good cause (we looked into that).
These are actual facts GGm2 not opinions.
Oh and for the record, (not that I owe you any kind of explanation), Many years ago (over 20) DH contracted out of SERPS. That part of his pension seems like it had disappeared into thin air as despite using the pension tracing service etc. It is yet to be found. His state pension is therefore so poor that he decided to defer it whilst he is working in the hope that it may increase slightly if/when he/we ever get to retire.