PIP vs Attendance Allowance
PIP and Attendance Allowance both help with the extra costs of a long-term health condition or disability, and neither looks at your income or savings. What separates them is age, and what that age brings with it: PIP covers working-age people and includes help with getting around, while Attendance Allowance starts at State Pension age and covers personal care only. The assessment processes differ too. Understanding which applies to you — and when the switch between them happens — is the first step to claiming the right one.
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If you reached State Pension age before April 2013, you may have been transferred from Disability Living Allowance rather than PIP.
Which one applies to you?
Your age on the day you claim decides it. Below State Pension age, PIP is the route. At or above it, Attendance Allowance is the route for a new claim. There is no choice between them and no advantage in trying the other. The practical consequence is that PIP has a mobility component and Attendance Allowance does not — so if difficulty getting around is a significant part of your daily reality, claiming PIP before you reach State Pension age matters financially.
- Approaching State Pension age with a condition that already affects you? Claim PIP now. Once awarded, it can continue past pension age, mobility component and all.
- Already over State Pension age? Attendance Allowance is straightforward, usually decided on the paperwork, and is often the better first step towards Pension Credit as well.
- Unsure whether your needs are enough? Both are about the help you need on most days, not a diagnosis. Describe your worst days as well as your best ones.
The mistake that costs people most is waiting. Someone who delays a PIP claim until after State Pension age loses access to the mobility component permanently, because Attendance Allowance has no equivalent and no route back. If you are within a year or so of pension age and already struggling, claim now rather than later.
The second mistake is not claiming at all because of savings or a private pension. Neither benefit is means-tested, and neither is taxable.
Frequently asked questions
What happens to my PIP when I reach State Pension age?
Can I move from Attendance Allowance to PIP if my mobility gets worse?
What if my claim is turned down?
Do I need my doctor to fill in the form?
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