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Financial Help For Blind Person
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# 1
retrogamer666
Old 20-02-2013, 8:28 PM
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Default Financial Help For Blind Person

Hi there,

first off i apoligize if i have put this in the wrong section.

i am in desperate need of help and advice.

i am newly registered blind and have been told i will have to wait at the very least 6 months to get a support worker to help me get all the benefits i deserve, as it stands i only receive the lower rate of DLA which is roughly 165 per month ,my wife earns roughly about 800 per month making that an annual pay of around 9600.

We have only been married a year, and i stopped geting income support because my wife works more than 24 hours a week. So as it stands i feel as if she is the only 1 bringing in any money.

I just wondered if there was some other kind of benefit i could get to boost my "income" because i am only getting my DLA this is around 41.00 a week to live off of.

Any advice is greatly appreciated.
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# 2
nannytone
Old 20-02-2013, 8:32 PM
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housing and council tax benefit.
if your wife could get an extra 6 hours a week work, you would qualify gor working tax credits
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# 3
HB58
Old 20-02-2013, 8:33 PM
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If you are unable to work because of your visual impairment (or other health problems) you might be able to claim ESA (depending on your NI contributions and/or household income and savings).
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# 4
retrogamer666
Old 20-02-2013, 8:35 PM
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right now we cannot claim working tax benefit because my wife is only 22 and i only had 1 or 2 jobs andthen had to stop working because of my sight so i doubt very much that i would have contributed enough to apply for ESA. Also we have only just bought our first home within the past year aswell so i dont think we would get any housing benefit.

Last edited by retrogamer666; 20-02-2013 at 8:37 PM. Reason: forgot to add something
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# 5
nannytone
Old 20-02-2013, 8:44 PM
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its only council tax benefit then.

how did you get a mortgage with only 800 a month coming in?
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# 6
retrogamer666
Old 20-02-2013, 8:52 PM
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Well our mortgage repayments are only 225 per month over 40 years and it was only based on my wifes income, how do i find out about the council tax benefit ?
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# 7
Bigmoney2
Old 20-02-2013, 8:53 PM
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You can get a 50% discount on your TV licence

https://www.gov.uk/financial-help-di...cence-discount

Your local transport authority may have a discounted/free travel pass available for certain disabilities.

There is also a higher personal allowance for registered blind, but if you aren't earning its probably of no benefit to you.
https://www.gov.uk/income-tax-rates
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# 8
bryanb
Old 20-02-2013, 8:55 PM
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There is a blind persons tax allowance, but no help if you're not earning.

Edit, duplicate post!
This is an open forum, anyone can post and I just did !
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# 9
nannytone
Old 20-02-2013, 8:58 PM
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Quote:
Originally Posted by Bigmoney2 View Post
You can get a 50% discount on your TV licence

https://www.gov.uk/financial-help-di...cence-discount

Your local transport authority may have a discounted/free travel pass available for certain disabilities.

There is also a higher personal allowance for registered blind, but if you aren't earning its probably of no benefit to you.
https://www.gov.uk/income-tax-rates
im the blind one and these didnt occur to me!

im all red faced now ....
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# 10
princessdon
Old 20-02-2013, 9:14 PM
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225 a month - given you are a dependant and carry a weighting is a very low mortgage - did you have a huge deposit?

Can you work?
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# 11
nannytone
Old 20-02-2013, 9:18 PM
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saw on the telly earlier that theyre selling house for ! in liverpool!
knightsbridge road i think
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# 12
princessdon
Old 20-02-2013, 9:23 PM
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:Was this diagnosis new - how new? Does the mortgage company think you are able to work?

You could be looking at miselling here. It's unfair they didn't take your disability into account.

To answer your question you will get nothing other than DLA as sadly are above the limits.

It's an unfair system of benefits - rental and social housing get paid if low income, mortgages don't get this.
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# 13
retrogamer666
Old 20-02-2013, 9:24 PM
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we put down a deposit of around the 8 grand mark can't remember the exact figures off the top of my head.

and no i cant work my vision is too poor
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# 14
nannytone
Old 20-02-2013, 9:29 PM
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Quote:
Originally Posted by princessdon View Post
:Was this diagnosis new - how new? Does the mortgage company think you are able to work?

You could be looking at miselling here. It's unfair they didn't take your disability into account.

To answer your question you will get nothing other than DLA as sadly are above the limits.

It's an unfair system of benefits - rental and social housing get paid if low income, mortgages don't get this.
housing benefit for low income is a totally different thing.

housing benefit pays for somehwere to live, paying towatds a mortgage would be helping to buy an asset.

SMI is available to people on means tested benefit.

all the rhetoric anout ... houseowners pay for their homes so so should people in social housing ...
the homeowners will have something to show for it, the tenants never will
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# 15
princessdon
Old 20-02-2013, 9:31 PM
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Quote:
Originally Posted by retrogamer666 View Post
we put down a deposit of around the 8 grand mark can't remember the exact figures off the top of my head.

and no i cant work my vision is too poor
Sadly you won't get anything other than DLA

Have you checked your contributions?

You only need to work a bit for entitlement - years 2010 - 2012 jan to jan. did you earn over 5600 and work most weeks?
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# 16
nannytone
Old 20-02-2013, 9:36 PM
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the OP was on income support before getting married.
if he wasnt entitled to conts based then, its highly inlikely that he would be now
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# 17
princessdon
Old 20-02-2013, 9:41 PM
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Quote:
Originally Posted by nannytone View Post
the OP was on income support before getting married.
if he wasnt entitled to conts based then, its highly inlikely that he would be now
Yes - as they chose to better themselves as opposed to rely on public rents they will struggle.

Op your mortgage, council tax and bills will leave you short, can your wife increase her hours?

Home owners are often shafted
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# 18
retrogamer666
Old 20-02-2013, 9:43 PM
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no sadly i was only able to work for a year or 2 after leaving school which was when i started getting Income support and DLA.

i wasnt sure but i was told that i could no longer get income supprt because my wife worked more than 24 hours but i thought i was still allowed to get it because i thought it was either the partner worked 24 hours or made more than 16,000 a year which in that case she makes less than 10,000 a year.

my wife works 27 hours per week and hardly ever gets any extra hours.
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# 19
princessdon
Old 20-02-2013, 9:48 PM
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Quote:
Originally Posted by retrogamer666 View Post
no sadly i was only able to work for a year or 2 after leaving school which was when i started getting Income support and DLA.

i wasnt sure but i was told that i could no longer get income supprt because my wife worked more than 24 hours but i thought i was still allowed to get it because i thought it was either the partner worked 24 hours or made more than 16,000 a year which in that case she makes less than 10,000 a year.

my wife works 27 hours per week and hardly ever gets any extra hours.

It's based on 111 per week per couple. Have you considered care allowance (don't know if this is an option), but she could earn 100 pw on top?
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# 20
nannytone
Old 20-02-2013, 9:50 PM
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the partner only needs to earn 111 a week to make tou ineligable for income support.

what condition do you have?
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