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Where to get good financial advice?


Registered User
Jul 16, 2007
My husband has recently been diagnosed with early onset dementia (57). We are trying to wade our way through our pensions etc. He has a couple of Occupational Pensions from past jobs and a couple of private pensions. He also recieves Incapacity benefit. We are looking to find out and learn from others whether it is in peoples intrests to take pensions early? What are peoples experiences plus any downsides. I have established that regarding his incapacity if he gets pensions over 85 pounds a week anything over this amount is divided by 2 and taken by DWP i assume.
I would welcome any thoughts

Kate P

Registered User
Jul 6, 2007
Hi Deeessex,

In respect of your husband's private/occupational pensions it is difficult to say without knowing the "ins and outs" of it. You need to check with each pension provider as to what the penalty is for taking his pension early.

In respect of Incapacity Benefit, his benefit will be reduced if he receives private pensions over £85 per week. Again, once you've spoken to his pension providers and know what you would be receiving the Incapacity people will be able to tell you exactly how much they would deduct (if anything) from his benefit. Any lump sum payments are not taken into account.

Not wishing to be presumptuous but have you claimed Disability Living Allowance for your husband? I would definitely advise you to look into this - it will not affect his Incapacity Benefit and is itself not affected by any other income. It will also open up other avenues should you ever need to claim carers allowance or income support/pension credit.


Registered User
Jul 16, 2007
Thanks Kate
I dont think he is able to claim DLA currently as he is not "ill" enough I believe. He is able to be "safe" at home and keeps buzy pottering around the house. I am currently in full time working and hope and need that to be able to continue for as long as possible. Thanks for the information and the bit about the "lump sum" not affecting the Incapacity benefit was a question I had meant to ask and forgot to!
Thanks again


Registered User
Jun 6, 2007
Hi Denise
This web site has lots of information about benefits. You should definately be able to claim DLA.

Have a look at these information sheets



Remember it is a MAIN meal they need to be competent in cooking to NOT qualify not just a quick snack.

You may also be able to claim a rebate of 25% on your council tax so do check this out.

I hope this helps.

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Registered User
Jul 9, 2007
Financial Help

I too have been wading my way through the mountain of red tape and form filling on behalf of my husband, who too has just been diagnosed with early onset dementia at 58. We get Incapacity Benefit and DLA as he has had to early retire from work.

He has two small pensions each accompanied by a lump sum. We have opted to take them and make our home comfortable for our impending future ! as he also has a lung disease.

I too work full time and hope to carry on for some time yet, I am 53. My children are grown up.

You never know what tomorrow may bring, so enjoy what you can now, but carefully, and semi plan for the future.