Financial Advice

State Pensions: Form NP46
Carers Allowance
Disabilty Benfits
Council Tax Benefit
Housing Benefit
Pension Credit - Income and Capital Related Benefit
Income Related (Means tested) Benefits
Deferring your State Pension: Form SPO1
Contracting Out of SP2
Second State Pension (SP2) 2002
Additonal Pension SRPS. 1978 - 2002: Form NP46
Going into Hospital (2003) Form GIHA5 DWP
Home Responsibilites Protection (HRP): Form CF411
Contributions
State pensions for widow's and widowers
Pensions for Divorced People Form CA10
Leaflet SOA5 DWP gives more details

 

Pensions for Divorced People Form CA10

If divorced and not receiving full State Pension you may be able to use your former spouse's contribution record.Leaflet GL13 "Seperated or Divorced?" gives more details. This is complicated - seek advice.

State pensions for widow's and widowers.

Widows under 60 may be entitled to the State Pension on husbands contributions until retirement age.

Widower: as above but uses wife's contributions

Leaflet NP45 "A Guide to Bereavement Benefits" gives more details.

Contributions

A person must pay 50 weekly contributions per year (this is from 1975).

You must have paid for 44 years (woman) with 39 qualifying years, or 49 years (man) with 44 qualifying years.

Home Responsibilites Protection (HRP): Form CF411

This protects the contributions record if the person is caring for a child or a sick or disabled person. This is complicated seek advice.

Going into Hospital (2003) Form GL12

You will receive your full State Pension for 52 weeks. After 52 weeks your pension is reduced to £15:50 a week (if single).

If husband/wife is at home your pension is reduced to £46:45 but you only get £15:50 and your husband/wife gets the rest.

Additonal Pension SRPS. 1978 - 2002: Form NP46

This is based on earnings per week (£77 - £595) and works on providing a pension on 25% of weekly earnings( 25% of £77-£595).

Second State Pension (SP2) 2002 -

Again gives pension on earnings but is more generous than SERPS.

Contracting Out of SP2

By joining occupational scheme, personal pension or stakeholder pension.

Deferring your State Pension: Form NP46

Working on 65 (women) and 70 (men)

Income Related (Means tested) Benefits

Income Support. Now called Minimum Income Guarantee (MIG) and after October will be called Pension Credit.

Pension Credit - Income and Capital Related Benefit

Pension Credit guarantees everyone aged 60 or over and income of at least (Guarantee Credit):

£119.05 from April 2007 if single
£181.70 from April 2007 if you have a partner

Peopel of 65+ who have made modest arragnements for their retirement may also be rewarded by up to (Savings Credit):

£19.05 from April 2007 if single
£25.26 from April 2007 if you have a partner

The first figue is called the Guarantee Credit and the second figure is called the Savings Credit. Both figures added together give a persons Pension Credit entitlement.

Extra money could be due if Attendance Allowance or Disability Living Allowance is being paid.

WE STRONGLY ADVISE PEOPLE TO CONTACT THE PENSION SERVICE AT THE LOCAL SURGERIES IN THE A.K.BELL LIBRARY
TELEPHONE 01738 412105 to arrange an appointment or home visit.

Housing Benefit

This is available to Councxil Tenants, Housing Association and Private Tenants.
Telephone 01738 476049.

S.C.A.R.F. (Save Cash and Reduce Fuel) Best value Energy Advice.
Telephone 0800 512012.

Care and Repair (Small Repair Service)
Advice and Assistance with Repairs and Improvements
Telephone 01738 474810 Perthshire 01764 655895 Strathearn and Kinross

You will qualify if you are of pensionable age or suffer from a disability and have a net income of less than £200 per week.

Council Tax Benefit

This is help with paying your Council Tax. After October people will get increased benefit for age group 60+. Contact the Benefits Section of the Council.

Telephone 01738 476049

Disabilty Benfits

Attendance Allowance is for people aged 65 or over who need help with personal care.

Diasbilty Living Allowance is for those people aged under 65 who need help with personal care and/or mobility needs.

Both benefits are purely health related adn take no accoutn of the person's financial cirucmstances.

Benefit Enquiry Line 0800 882 200

Carers Allowance

Finacial help is available for thsoe who care for others, where the carer is prevented from working full-time.

For more information phone 01253 856123

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