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Pension Credit and Partner’s Pension Pot
Simple really, so why can’t I find it written down?
Man reaches PC age and makes claim. Wife will not reach PC age until 2021, and she has a pension pot she could access now, from which she would like to take some capital.
I can see that man’s PC claim would be affected by his own pension pot at date of claim, but I can’t find a clear expression either way of how wife’s pot would be treated.
Please help - I have a heavy cold at the moment, and it hurts to think.
Hi Robbo
It is my understanding that if the partner is under PC age then she can choose to access her “pot”- if she chooses not to (whilst under PC age) then partner’s PC claim itself should not be affected . If she chooses to access her pot then the PC award could be affected depending on how this was accessed
Google “Pension flexibilities and DWP benefits” on the Gov.uk website for more info
You want DMG 12/15.
Her pot doesn’t count for notional income until she reaches QASPC.
If she does choose to take capital or income then it counts immediately. She should be cautious about what she does with the capital as it’s an area where the Department look at deprivation quite carefully.
Many many thanks for the replies - I’d hoped/anticipated this is how it ought to work.