Have a friend that is currently on ESA, and has now reached the minimum state Pension Credit age.
They now have the option of staying on ESA to they reach state pension age, or apply for Pension Credit, however ESA and Pension Credit cannot be paid at the same time and they will have to decide which one they want to receive.
Any advice would be much appreciated, as they don't know if they take Pension Credit if anything else will be affected.
I'm afraid we cannot give detailed financial advice on the forum, your friend needs to get face to face advice from a trained advisor who can sit down with them and look at what they might receive on Pension Credit to see whether they would be better off or not. Any Pension Credit payment will be dependant on their personal circumstances including their household income and any savings and assets.
Get them to do an internet search for "welfare advice" with their postcode, town or county.
Gordon
Nothing on this board constitutes legal advice - always consult a professional about specific problems
