Many of us on the forums had husbands who were ill for a few years so had to take early retirement and therefore did not receive their state pension at all as they died before they got to 65. Thanks to my wonderful husband he had a private pension whic h he claimed early of which I get a pro rata allowance each month. I also have a state pension in my own right but that means I pay tax on my income and am just above the threshold for claiming benefits.
We also had lots of savings when he took early retirement but we spent a lot of them on energy bills to keep him warm 24 hours a day, we bought all our own medical equipment, wheelchairs, stair lifts, nebulisers as they were on loan from the hospital but they asked for them back stating we were not on benefits so had to buy our own. We could not even have a ramp installed to get the wheelchair out as we were not on benefits, we could not afford the £6000 it would cost to dig up the front of the house and install a ramp as we had a steep drive. I had to carry the wheelchair outside and then help my husband with the oxygen tanks and get him in the wheelchair. We bought a mobility scooter and kept it in the garage to save me lifting the wheelchair. I applied for carers allowance and was told I could not claim it as I had a full state pension in my own right which is classed as a benefit. I tried to claim Attendance Allowance 6 times and was refused, as they said he was not ill enough, by the time I did get it, my husband died three months later. We did get it backdateed by the way. We used so much of our savings during the years my husband was ill, special foods etc . pillows, backrests, even urinals, luckily we got the oxygen tanks free but we had to buy our own nebulising machine for the medication to go into it so he could use the mask.
I must have saved the government hundreds of thousands of pounds caring for my husband myself for those years he was ill with no help from anyone.
I hope that this cruel government rot in hell