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staff-022: How do State Pension and Pension Credit fit together. For example: If someone receives State Pension, could they also be entitled to Pension Credit?

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source-c003: DMG Vol 12 Ch 74: State Pension — PDF page 1

Official source · Exact excerpt and hashes

Distinguishes new State Pension from retirement pension and routes old-regime research to chapter 75.

74001 This Chapter gives guidance on SP. SP is the legislative term for “new state pension” whereas the
legislative term for “old state pension” is RP. To be entitled to SP, a person must reach pensionable age

on or after 6.4.161. A person who reached pensionable age before 6.4.16 may be entitled to RP 2.


Note: See DMG Chapter 75 for guidance on RP.


                                                                  1 Pensions Act 14, s 1(2); 2 SS CB Act 92



Differences between state pension and retirement pension

Single-component pension
74002 Once the transition to the new SP is complete it will be a single-component pension in contrast to
RP which can consist of BP and AP and other components such as GRB or age addition.

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source-c008: DMG Vol 13 Ch 77: Conditions of entitlement, membership of the household and normal amount payable — PDF page 14

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Captured Pension Credit entitlement conditions; statutory and transitional dependencies remain.

77031 A claimant is entitled to SPC if they1


1. are in GB and


2. have reached the qualifying age and


3. satisfy the conditions to get a GC or SC and


4. are not a member of a


      4.1 couple where the other member is entitled to SPC or


      4.2 mixed-age couple (see DMG 77035 and 77140)


      4.3 polygamous marriage (see DMG 77016) where the other party to the marriage or the additional
      spouse are members of the same household and entitled to SPC (but see DMG 77140 et seq) and


5. have made a valid claim2 and


6. where relevant, their partner, satisfy the NI provisions (see DMG Chapter 02) 3.


           1 SPC Act 02, s 1(2) & 4(1) & (1A); SPC Regs, Sch III, para 1(3); 2 SS A Act 92, s 1(1) & (4); 3 s 1(1A)

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source-c032: DMG Vol 14 Ch 85: Income other than earnings — PDF page 30

Official source · Exact excerpt and hashes

Named income types; exclusions, disregards and relevant variants require linked evidence.

85091 When calculating income other than earnings the DM has to take


1. Annuity income(except those annuities listed at DMG 85171)


2. Armed forces death in service awards


3. BA


4. CA


5. ESA(Cont)


6. IB


7. IIDB


8. Certain types of income from capital


9. Inherited royalties/copyright payments


10. JSA(Cont)


11. MA


12. Maintenance payments for the claimant or partner


13. PB and MDB scheme


14. Retirement pension income (including increases for adult dependants) (see DMG 85130 et seq)


15. SDA


16. State Pension


17. War orphan's pension


18. WP

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source-c012: DMG Vol 13 Ch 77: Conditions of entitlement, membership of the household and normal amount payable — PDF page 33

Official source · Exact excerpt and hashes

Guarantee Credit and Savings Credit calculation inputs are distinct; no formula executable from this isolated page.

77303 If there are


1. any additions to the SMG, the total amount of GC will be the appropriate minimum guarantee (AMG)


2. no additions to the SMG, the SMG will be the AMG and the total amount of GC will be the amount of
the AMG


less any income relevant to the SPC income assessment. See DMG 77330 et seq for guidance on how to
work out the amount of GC payable.




Savings credit
77304 The amount of SC depends on1


1. the level of the claimant’s income and


2. the amount of the


      2.1 claimant’s qualifying income (QI) and


      2.2 savings credit threshold (SCT) and


      2.3 AMG and


      2.4 maximum savings credit (MSC).


See DMG 77353 et seq for guidance on how to work out the amount of SC payable.


                                                                                      1 SPC Act 02, s 3


77305 - 77329

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