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Legal, pensions and money

Is this feasible?

(61 Posts)
Astitchintime Tue 07-Jan-25 06:47:55

For clarity, this is not about me or my OH.

I am curious about something.......is it feasible or even possible for someone to work for decades and have a substantial private pension scheme but NOT activate that scheme to pay out when they retire but then live on their state pension, claim PIP, claim pension credit, and also get the winter fuel allowance?

I have my opinion on this and I am interested to hear what others have to say.

Barleyfields Wed 08-Jan-25 16:11:33

I haven’t noticed anyone ^rubbing their hands in glee as they aim a kick at those on benefit’. Posters have however spoken out about fraudulent claims, and rightly so.

cookiemonster66 Thu 09-Jan-25 10:27:34

You cannot claim PIP once you reach state pension age, you have to claim attendance allowance instead

4allweknow Thu 09-Jan-25 11:42:02

If existing only on benefits such a person would probably also be fully funded if ever needing care. Criminal!

Cabbie21 Thu 09-Jan-25 12:06:56

NO way, 4allweknow, a full financial assessment would be made.

Cabbie21 Thu 09-Jan-25 12:07:43

cookiemonster, a PIP claim can continue after reaching state pension age, if it is started before

RubyRoobs Sat 22-Feb-25 10:36:44

It is fine not to take your private pension. It is not fine to claim means tested benefits like Pension credit when you have a private pension available to you and when you claim Pension credit I believe it asks about private pensions and you are likely to be treated as if you are drawing them.

Cabbie21 Sat 22-Feb-25 15:48:24

Sorry, RubyRoobs, you are late to the party. Several of us have said this already. The OP has come back to us, as can be seen if people read the whole thread.

Cossy Sat 22-Feb-25 17:28:15

One would have to actively lie on any application forms to benefits, other than PIP/Attendance Allowance.

A private pension, whether being claimed or not is a financial asset and will be calculated as such.

Cossy Sat 22-Feb-25 17:29:52

cookiemonster66

You cannot claim PIP once you reach state pension age, you have to claim attendance allowance instead

I was in receipt of PIP prior to turning 66 last year, mine was awarded for 10 years, so I’ll be on PIP until the renewal date.

Cabbie21 Sat 22-Feb-25 22:05:51

I wish people would read the thread.