Well I must be in a unique position where I'm going to retire 12 years early on medical grounds and I can't see any benefit to claiming ESA.
I hope to be receiving a company small pension in June once the paperwork has been finalised.
However it also means, being single, with no children, I 'm not entitled to any benefits.
No income support, no housing benefit, no state pension, no pension credit, but a council tax reduction due to being a single occupant and disability relief.
I could only claim ESA under the 'contributions' section and if they put me in the 'support group'. Even if that was to happen they check out your pension and start making deductions so I'd be getting virtually nothing per week anyway.
But all isn't lost. As the least they would do is top up my NI contributions for a state pension. Well I've checked and I've already paid in over 35 yeas of NI contributions and you only needed 30 years contributions to qualify for a State Pension - that was up until April this year.
By the time I'm eligible for a state pension, in 12 years time, (if I'm still on this ball of clay), everyone will be entitled to a State Pension of about £140 a week.
So to my mind I can't see any advantage to sending the ESA application back as there's nowt in it for me.
I guess I'll just have to spend my savings until there comes a point where I can claim income-based ESA in the future.
Something tells me I'm being to honest for my own good!
I wish I'd been a spend thrift and blown all my savings on wine, women, gambling, exotic holidays and cranked up massive debts that I couldn't pay back.
I'm not sure that it pays to be 'thrifty' if you're disabled - sooner or later you'll probably need to retire early through ill health. Work pays while you're in it but once you're out of work it seems there's no safety net.
If you can think of a good reason why I should apply for ESA let me know. Am I missing something?