Pension count as income on UC?

[TowandaForever]

Does anyone know?

If I gave my sen child money to put into a pension will it be considered income?

I think you’d probably be safer to pay it directly into the pension for him, but I’d see a welfare adviser to double check.

Is it your child thats claim UC?

Is it DLA money you are talking about? If so then that is paid separately to Uc and does no-one checks what you do with it ?

Obviously you need to put the money into a pension on their behalf. Once your child receives income from the pension, it will be treated as such (min age at which your child can access a personal pension is set at 10 years before state retirement age).

We are talking about an adult child aren’t we OP?

Yes an adult child who is very unlikely to be blue to work.

Do you mean will the pension be classed as income for the Sen child when it pays out? Then yes pensions are income.

What exactly are you trying to achieve? Is your intention to try to give them a way of supplementing their income in their old age? This might cause an issue if it affects any means tested benefits they received at that time, and there may be better ways of achieving the income supplement such as using a discretionary trust arrangement (possibly linked to your own pension arrangements but not necessarily).

Its difficult to advise as you are not giving much info but

You can pay in to a pension plan for your child and it will not affect their current benefits unless they can access it before state pension age. Pensioners cannot claim UC unless part of a mixed age couple.

If you are just paying it in to a savings account under your child's name then that will affect their UC as its classed as their savings.

I'd speak to an advisor to discuss the best way to provide for him in the future.