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The general rule is that your entitlement to benefit will start the Monday following the day your claim was received by the council.

There are regulations which allow us to award benefit before this date and one of these is known as backdating.

If so, maybe you wonder what the heck they are talking about.If you take advantage of the 60 year old rate, you will have only paid 30.80 – AFTER the back payment!Now I am going to get real with you – the older you are the more substantial these savings become.That being said, if you had a birthday four to five months ago, you need to apply right now for coverage.Hopefully, you can get your policy in force before your insurance birthday to avoid paying higher premiums.Which means he will have to shell out money for a few weeks worth of insurance that he won’t be technically covered for. It’s not uncommon for life insurance agents to backdate two, three, or even four months to save age.