Association between individual level characteristics and take-up of a Minimum Income Guarantee for pensioners: panel data analysis using data from the British Household Panel survey 1999–2002

A Minimum Income Guarantee (MIG) ensures people have a minimum amount of income for essentials such as healthy food, housing, health care, social and digital networks to support health and well-being. MIGs could be a useful tool to reduce inequalities. A MIG will only be effective if those who are eligible take it up. The aim of this paper is to explore how individual characteristics were associated with take-up of a MIG for pensioners (aged 60+ for women and aged 65+ for men) in England. The data used is from the British Household Panel Survey including 9430 observations from 1893 people, from 1999 to 2002. We estimated a random effects logistic regression. Results show that women were less likely to claim than men (OR ranging from 0.17 [95% CI 0.10–0.29]-0.73 [95% CI 0.40–1.34]), and couples were less likely to claim (OR ranging from 0.04 [95% CI 0.03–0.06]-0.01 [95%CI 0.01–0.02]) than single person households. People with better mental health (OR 1.05 95% CI 1.02–1.08), older pensioners (75+) (OR ranging from 1.98 [95% CI 1.52–2.59]-2.81 [95%CI 2.16–3.67]), those who were registered disabled (OR 4.03 95% CI 2.50–6.52), and those with no formal qualification (OR ranging from 1.74 [95%CI 0.93–3.26]-2.07 [95% CI 1.22–3.51]) were more likely to claim. Understanding who is likely to claim MIGs is important to avoid social security policy inadvertently increasing inequalities.