Mixed age couples must claim Universal Credit instead of more generous Pension Credit when one partner is over state pension age but the other is yet to reach 66
Reaching state pension age unlocks a range of benefits and DWP support, including Pension Credit, Attendance Allowance and Pension Age Disability Payment. However, having a younger partner could render you ineligible, potentially requiring you to claim working-age benefits such as Universal Credit instead.
Mixed-age couples encounter this predicament when one partner has surpassed state pension age whilst the other has yet to reach 66. This creates complications for benefits such as Pension Credit and Universal Credit, where a partner’s circumstances are factored into calculations.
For those who have reached state pension age, this typically means they are unable to claim pension-age benefits and must instead rely on working-age benefits like Universal Credit. However, according to Age UK, they will be regarded as having ‘no-work related requirements’.
Green Party MP Siân Berry challenged the DWP over whether it had estimated the number of people living in poverty as a direct result of the mixed-age couple rules, whilst the youngest partner awaits state pension age.
Although no such estimate was forthcoming, the DWP’s Sir Stephen Timms did provide a parliamentary response to the query, clarifying that the regulation is intended to benefit the younger partner, reports the Mirror.
He said: “Ensuring that individuals can get into, progress and stay in work is important in helping them to continue saving for their own retirement and contribute to the wider economy.
“The requirement for mixed age couples to seek financial support from the working-age social security system until both members of the couple reach State Pension Age ensures that, once in receipt of Universal Credit, the younger partner can access the same employment support that is available for customers below State Pension Age including dedicated employment support for customers over the age of 50. The pension-age partner is placed in the no-work related requirements group.”
The regulations governing these couples were revised in May 2019. From that point onwards, mixed-age couples are no longer permitted to choose between claiming Universal Credit, Pension Credit or pension-age Housing Benefit.
Both partners are only able to claim Universal Credit until they have both reached state pension age. EntitledTo notes: “Before this change, a mixed age couple could be eligible to claim the more generous pension age benefits when just one of them reached pension age.”
Other benefits and DWP payments may not be impacted by having a partner who is younger than yourself. State pension payments, for instance, do not take your partner’s age into consideration.
At present, the qualifying age for the state pension stands at 66, however over the next two years this will rise to 67. Those born between April 6, 1960 and March 5, 1961 will be directly affected by the gradual phasing in of this change.
Everyone born after these dates will have a state pension age of 67. The state pension age is also anticipated to rise further to 68 around 2044.
