A reader wants to know why her and her husband's income has fallen dramatically since she finished working
. Is there something you’ve always wanted to know but don’t understand? Do you need to know your rights in a situation? Have you been in a situation where you think you’ve been ripped off?
You are just over state pension age of 66 but your husband is under it. That means you are what the Department for Work and Pensions calls a “mixed age couple”. That matters because pension credit is a much higher benefit than universal credit. A couple over the age of 25 on universal credit gets a maximum income of £617.60 a month – which is £142.52 a week. Butmore than double that – boosting their income to £332.95, a bonus of £190.43 a week just because both are pensioners.
While you worked, the money you earned at work reduced your husband’s universal credit at the rate of 55p for each £1 earned. But once you reached state pension age of 66 you stopped work and claimed your state pension to replace your wages.
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