Handbags   (The sad, the bad and the ugly. Non-productive stuff here.)

Peter P , if you defer your state pension , you will still lose carers allowance as they deem it as you are entitled to it and its your own decision not to get it ,also the date they give you to start your pension is
false as its paid a month in arrears ie: your first payment is made a month after your due date . Are you a member of Wigan and Leigh carers association
if not you can enrol , they give really good confidential advice