R04 Pension Credit and State death benefits: free practice questions

1. Question 1 of 5

   Which description fits Pension Credit?

   Option A: Tax-free and not means-tested at allOption B: Taxable and based on the NIC recordOption C: Tax-free, means-tested and not based on NICsOption D: Taxable, means-tested and NIC-based

   Show answer

   The answer is C: Tax-free, means-tested and not based on NICs

   Pension Credit is a tax-free, means-tested top-up that doesn't depend on National Insurance contributions.

   Why the other options are wrong

   A

   It is means-tested.

   B

   It isn't taxable or NIC-based.

   D

   It isn't taxable or NIC-based.

2. Question 2 of 5

   Nia, single and over SPA, has a State Pension of £150 a week and £16,200 savings. What is her deemed weekly income for Pension Credit?

   Option A: £182Option B: £150Option C: £163Option D: £162

   Show answer

   The answer is C: £163

   Savings over £10,000 count as £1 a week per £500 or part: £6,200 / £500 = 12.4, rounded up to £13. Total £163.

   Why the other options are wrong

   A

   The first £10,000 is ignored.

   B

   Savings above £10,000 must be counted.

   D

   £162 rounds down instead of up.

3. Question 3 of 5

   Why doesn't deferring a State or private pension increase Pension Credit?

   Option A: The DWP starts any deferred pension at onceOption B: Deferred entitlement is still counted as incomeOption C: Deferral is banned for claimantsOption D: Pension Credit ignores pensions

   Show answer

   The answer is B: Deferred entitlement is still counted as income

   Any pension the person is entitled to, even if not claimed, is included in the income assessment.

   Why the other options are wrong

   A

   Deferred pensions aren't started automatically.

   C

   Deferral isn't banned.

   D

   Pensions are counted.

4. Question 4 of 5

   What NIC condition must the deceased partner meet for Bereavement Support Payment?

   Option A: Class 3 NICs paid in the tax year before the deathOption B: 10 qualifying yearsOption C: 25 weeks of Class 1 or 2 NICs in any one tax yearOption D: 35 qualifying years

   Show answer

   The answer is C: 25 weeks of Class 1 or 2 NICs in any one tax year

   The deceased needs 25 weeks of Class 1 or 2 NICs in one tax year, or death caused by their job. The survivor must be under SPA.

   Why the other options are wrong

   A

   Class 3 isn't the test.

   B

   Ten years isn't required.

   D

   35 years isn't required.

5. Question 5 of 5

   A claim for Bereavement Support Payment is made 14 months after the death. What happens?

   Option A: No initial payment; monthly payments backdated up to three monthsOption B: The initial payment only, with no monthly payments backdated at allOption C: The claim is refused entirelyOption D: Full payments are made

   Show answer

   The answer is A: No initial payment; monthly payments backdated up to three months

   Claims over 12 months late lose the initial payment. Monthly payments can be backdated up to three months.

   Why the other options are wrong

   B

   The initial payment is lost after 12 months.

   C

   Some payments remain possible.

   D

   Late claims don't get everything.

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