‘My 28-year-old son can’t work – will he miss out on the state pension?’

PIP is often paid each 4 weeks, and isn’t topic to tax. Incapacity Dwelling Allowance recipients are being invited to modify to PIP, and in case your son hasn’t had his invitation but, it ought to arrive any time now. 

Although it’s a means off sooner or later, if the system stays broadly the identical then, when he reaches state pension age, he might additionally get Pension Credit score to high his earnings up additional. His PIP entitlement wouldn’t rely as earnings when his Pension Credit score entitlement is labored out. 

When the time comes, this could hopefully imply he’s no worse off when he reaches state pension age than if he had acquired the standard state pension underneath the Nationwide Insurance coverage credit system.

If issues change for him as he progresses by way of grownup life and he does change into in a position to work, then this could change the extent of different advantages he receives – nevertheless it might probably imply he turns into eligible for some state pension, if he earns over the decrease earnings restrict and works for at the least 10 years, the minimal variety of years anybody must work to get some state pension.

On this state of affairs, if he was nonetheless entitled to PIP, he might probably obtain some state pension, some PIP and a few Pension Credit score – although how a lot of every he would obtain would rely on his entitlements on the time. 

For you your self, in case you have taken outing of labor to care on your son for any variety of years and this has affected your personal Nationwide Insurance coverage report, then as a carer, you could possibly declare backdated Nationwide Insurance coverage credit. In case you declare Carer’s Allowance, these credit are added robotically. 

Nonetheless, for those who declare Carer’s Credit score, it’s a must to apply for the NI credit your self.