I am in receipt of ESA - Support Group (Contribution Based) and PIP. I have now reached 55 and I have a small company pension which I plan to draw. I was offered a lump sum payment of £5,600 and £850 annually and after doing some research found out that this would not affect my benefits. Is this correct?

However today I received a letter regarding TRIVIAL COMMUTATION OF DEFERRED PENSION which stated that as my pension was less than £30,000 they could offer me a one off payment of just over £61,000 and no further payments This sounds very attractive but how will it affect my benefits - ESA and PIP.

Can anyone advise me please.