State Pension provides essential financial support every four weeks for 12.6 million people across the UK, including around one million living in Scotland. This regular payment of up to £185.15 per week for the Full, new State Pension or £141.85 per week for the basic old State Pension (Category A or B) is available for those who have reached the UK Government’s eligible retirement age, which increased to 66 for both men and women in October 2020.
However, two further increases have been set out in legislation and currently under review for a gradual rise to 67 for those born on or after April 1960 and a gradual rise to 68 between 2044 and 2046 for those born on or after April 1977, although recent reports suggest this may be brought forward to the late 2030s.
For anyone approaching the official age of retirement this year, it is essential to know which benefits will continue, new ones you may now qualify for and those you can no longer make a new claim for.
Your State Pension age is the same as your Pension Credit age unless you are a man born before December 6, 1953.
You can check your State Pension age and whether you can start claiming Pension Credit on the 'Check your State Pension age' page of the GOV.UK website here.
Benefits affected by your pension age
Turn2us has created an essential guide to the benefits you cannot claim from the Department for Work and Pensions (DWP) when you reach State Pension age or Pension Credit age.
For full details on each of the topics listed below, visit the Turn2us website here.
Pension Credit age
When you reach State Pension age you can no longer claim:
- Income-based Jobseeker’s Allowance
- Income-related Employment and Support Allowance (ESA)
- Income Support
- Universal Credit
Turn2us advises: "If you live with a partner and one of you is pension age and the other is not yet pension age, benefit entitlement can be complicated."
Use the Turn2us benefit calculator to see what benefits you’re entitled to, or get help from a benefits adviser.
State Pension age
When you reach State Pension age you can no longer claim:
- Jobseeker's Allowance (JSA)
- Contributory/New Style Employment and Support Allowance (ESA)
You cannot make a new claim for Disability Living Allowance (DLA), Personal Independence Payment (PIP) or Adult Disability Payment (ADP) - the new devolved disability benefit which is replacing PIP for people in Scotland - once you have reached State Pension age, however, if you were already receiving DLA, PIP, or ADP you can renew the claim even though you are over State Pension age.
This can only be done as long as you are claiming for the same health conditions that you received the award for and your last claim ended less than 12 months before you reached State Pension age.
The DWP has said that DLA claimants who were born before April 8, 1948 will not be transferred to PIP, however, those born after that date will be.
People living in Scotland currently receiving DLA or PIP will be transferred to the new devolved Social Security Scotland system before the end of 2025.
It's worth noting that 25 per cent of claims for ADP up until January 2023 were made by people aged between 55 and 64.
Bereavement Support Payment and Widowed Parent’s Allowance are also not available once you reach State Pension age.
Benefits not affected by your State Pension age
You can claim these benefits even if you are over State Pension age:
- Child Benefit (delivered byHMRC)
- Carer’s Allowance - you may not be eligible for the full financial element depending on your income from State Pension
- Guardian’s Allowance
- Statutory Sick Pay (SSP)
You can also claim these benefits even if you are over State Pension age, but only if you meet the benefit-specific income threshold:
- Pension Credit
- Housing Benefit
- Council Tax Support
- Support for Mortgage Interest
- Working Tax Credit (HMRC) - you can't make new claims for this, but if you're already getting it you can carry on receiving it
- Child Tax Credit (HMRC)- you can't make new claims for this, but if you're already getting it you can carry on receiving it
- Help with Health Costs
- Cold Weather Payment - now replaced by new £50 payment in Scotland from February 2023
- Warm Home Discount Scheme
- Winter Fuel Payment
For more details about benefits when you reach State Pension age, visit the Turn2Us website here.
To keep up to date with the latest State Pension news, join our Money Saving Scotland Facebook page here, follow us on Twitter @Record_Money, or subscribe to our newsletter which goes out Monday to Friday - sign up here.
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