i have been made redundent due to ill health and the benifits for a married couple is £131 when i was working i had the foresight to take out my occupational pension thinking that this would help me if anything happened and it did, so when the goverment looked at my pension and decided that they will give me £89 pounds and make me up to £131 WITH £42 of my pension, if i hadnt took out a pension the goverment would give me £131 so in turn the pension is no good to me so i do believe they should not be allowed to touch my pension why take it out in the first place they are stealing my money and of course being charged tax on my benifits i am being charged on my pension which the goverment take and you could be taxed on your wage when you get it 3 times taxed on the one pension, and if i didnt work at all i would get my full benifit of £131 so my advice is your pension is no good to you