Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • dawsss18
    • By dawsss18 17th Oct 16, 6:09 PM
    • 8Posts
    • 1Thanks
    dawsss18
    can't afford to live on SSP
    • #1
    • 17th Oct 16, 6:09 PM
    can't afford to live on SSP 17th Oct 16 at 6:09 PM
    Hello all,

    I am writing on behalf of my parents.

    My Mother (61 years old) is off work due to having a hip replacement (3 months recovery) and can't go back till she is fit to work.

    My Father (61 years old) is also off work due to a car crash. His work won't let him back till his doctor has said he is fit enough to go back. His doctor won't let him go back as they have found an aneurysm on his brain. So he has to have more tests to find out if the aneurysm was due to the car crash or not.

    They are both being told they aren't allowed to go back to work yet, even though they want to go back and feel that they are fit enough to go back. So they are both losing out on their wage just because the doctors won't allow them back to work.

    They are both receiving SSP, but £88 per week per person is not enough to cover their rent and the rest of their bills.

    They have tried claiming some money to help pay for their bills, but because I live with them and I work full time they aren't allowed to claim anything. But I have my own bills to pay for, I can't afford to pay for myself and my parents rent and bills.

    Does anyone know what benefits they would be entitled to? It seems that they would be better off if they didn't work at all - that's how messed up it is.

    Any advice is greatly appreciated.
Page 1
    • nannytone
    • By nannytone 17th Oct 16, 6:18 PM
    • 11,531 Posts
    • 16,778 Thanks
    nannytone
    • #2
    • 17th Oct 16, 6:18 PM
    • #2
    • 17th Oct 16, 6:18 PM
    they wouldn't be allowed to claim for help to pay their bills anyway as this is what their SSP is for.

    they should be able to claim for help with their rent, but will have a non dependant deduction due to your wage.

    the amount will vary depending on how much you earn
    • dawsss18
    • By dawsss18 17th Oct 16, 6:30 PM
    • 8 Posts
    • 1 Thanks
    dawsss18
    • #3
    • 17th Oct 16, 6:30 PM
    • #3
    • 17th Oct 16, 6:30 PM
    Thanks for the quick replies.
    £88 SSP is no way enough to cover their rent, bills, food, petrol, etc. their rent alone is £650. Seem's unfair to expect them to live off £88 a week in my opinion. Especially when both of them are off sick.

    I am going to help as much as I can to make sure their rent is paid. (I've only just found out today how much they are struggling, they didn't want to tell me). But as i mentioned I have my own bills I need to pay for.

    edit: I will check out the housing benefit now.
    • nannytone
    • By nannytone 17th Oct 16, 6:34 PM
    • 11,531 Posts
    • 16,778 Thanks
    nannytone
    • #4
    • 17th Oct 16, 6:34 PM
    • #4
    • 17th Oct 16, 6:34 PM
    sd i disc previously ... the SSP is to pay their bills.
    they should be able to claim housing benefit ( LHA if renting privately)
    there will be a deduction in the amount they can claim because you are working and will be expected to pay a fair portion of the rent yourself.

    iis it a private rental?
    how many people in the household?
    how many bedrooms?
    • Darksparkle
    • By Darksparkle 17th Oct 16, 6:35 PM
    • 3,402 Posts
    • 2,106 Thanks
    Darksparkle
    • #5
    • 17th Oct 16, 6:35 PM
    • #5
    • 17th Oct 16, 6:35 PM
    Thanks for the quick replies.
    £88 SSP is no way enough to cover their rent, bills, food, petrol, etc. their rent alone is £650. Seem's unfair to expect them to live off £88 a week in my opinion. Especially when both of them are off sick.
    Originally posted by dawsss18
    They would each have that amount though. So they'd have £176 a week.

    What do they normally earn?
    • dawsss18
    • By dawsss18 17th Oct 16, 6:37 PM
    • 8 Posts
    • 1 Thanks
    dawsss18
    • #6
    • 17th Oct 16, 6:37 PM
    • #6
    • 17th Oct 16, 6:37 PM
    sd i disc previously ... the SSP is to pay their bills.
    they should be able to claim housing benefit ( LHA if renting privately)
    there will be a deduction in the amount they can claim because you are working and will be expected to pay a fair portion of the rent yourself.

    iis it a private rental?
    how many people in the household?
    how many bedrooms?
    Originally posted by nannytone

    Yes its private rental.
    3 people in the house.
    3 bedrooms.
    • dawsss18
    • By dawsss18 17th Oct 16, 6:38 PM
    • 8 Posts
    • 1 Thanks
    dawsss18
    • #7
    • 17th Oct 16, 6:38 PM
    • #7
    • 17th Oct 16, 6:38 PM
    They would each have that amount though. So they'd have £176 a week.

    What do they normally earn?
    Originally posted by Darksparkle
    they would normally earn £750 a week between them.
    • nannytone
    • By nannytone 17th Oct 16, 6:42 PM
    • 11,531 Posts
    • 16,778 Thanks
    nannytone
    • #8
    • 17th Oct 16, 6:42 PM
    • #8
    • 17th Oct 16, 6:42 PM
    they would normally earn £750 a week between them.
    Originally posted by dawsss18
    a 4 weekly income of 3k between them, rent of £650 and they have no savings?

    what are they spending it all on?
    • dawsss18
    • By dawsss18 17th Oct 16, 7:18 PM
    • 8 Posts
    • 1 Thanks
    dawsss18
    • #9
    • 17th Oct 16, 7:18 PM
    • #9
    • 17th Oct 16, 7:18 PM
    a 4 weekly income of 3k between them, rent of £650 and they have no savings?

    what are they spending it all on?
    Originally posted by nannytone
    I'm sorry but I'm not looking for someone to judge what my parents spend their wages on. What they spend their wages on is up to them, not everybody save's their wages. This is the 3rd month of them being on SSP, in that time they would normally of received £9,000 between them, instead they have received £2112. They have managed so far but starting to struggle.

    Im not asking for advice on how they can budget their normal wage, I'm asking what they can get to help them now that they are unable to work due to illness. Please stay on topic, thank you.
    • nannytone
    • By nannytone 17th Oct 16, 7:28 PM
    • 11,531 Posts
    • 16,778 Thanks
    nannytone
    I'm sorry but I'm not looking for someone to judge what my parents spend their wages on. What they spend their wages on is up to them, not everybody save's their wages. This is the 3rd month of them being on SSP, in that time they would normally of received £9,000 between them, instead they have received £2112. They have managed so far but starting to struggle.

    Im not asking for advice on how they can budget their normal wage, I'm asking what they can get to help them now that they are unable to work due to illness. Please stay on topic, thank you.
    Originally posted by dawsss18
    im not judging.

    but as they have found out, they are entitled to very little ( possibly some help with rent, depending on how much you earn)

    in future it may be prudent to put something aside to cover such periods of emergency

    they need to pay priority debts ( rent council tax etc)
    all other debts can be left until they return to work.
    make sure they call their creditors to explain the situation and ask for a payment break/reduced payments.

    I'm sorry if you don't appreciate the above budgeting help, but it is all anyone can tell you really.
    • NeilCr
    • By NeilCr 17th Oct 16, 7:33 PM
    • 349 Posts
    • 309 Thanks
    NeilCr
    Given their likelihood of returning to work in the nearish future is there any mileage in having a word with the landlord to see if they will accept a reduced amount for a short time and they can make up the shortfall when back at work. They will know that your parents are good tenants and landlords can be understanding

    I'm not advocating it but if there really is a problem that can't be resolved with your salary/Housing Benefit then it is an option
    • dawsss18
    • By dawsss18 17th Oct 16, 7:34 PM
    • 8 Posts
    • 1 Thanks
    dawsss18
    im not judging.

    but as they have found out, they are entitled to very little ( possibly some help with rent, depending on how much you earn)

    in future it may be prudent to put something aside to cover such periods of emergency

    they need to pay priority debts ( rent council tax etc)
    all other debts can be left until they return to work.
    make sure they call their creditors to explain the situation and ask for a payment break/reduced payments.

    I'm sorry if you don't appreciate the above budgeting help, but it is all anyone can tell you really.
    Originally posted by nannytone

    Thank you, i'll just have to help them as much as I can.
    • SparklesJD
    • By SparklesJD 17th Oct 16, 8:08 PM
    • 53 Posts
    • 95 Thanks
    SparklesJD
    Have a look at turn2us.org.uk for benefit entitlement and it might be worth calling/visiting CAB.

    Do their companies have welfare schemes or advisers that they can access? Or a HR / occupational health department? While they're off sick, they're still accruing holiday and some employers would consider paying some of that leave as a lump sum (many won't, as it's a bit of a grey area, legally).

    Are the doctors willing to consider a phased return to work? Would their employers look at lighter duties while they rehabilitate? And/or less hours? Do they have pensions? They'd need proper advice (from an approved IFA), but some schemes let you access them earlier for ill health (although it may depend on how long your father's likely to be off).

    Also, there are often local charities that offer hardship grants. Citizens Advice, Churches, local Voluntary Action groups, local authorities and libraries usually have information about things in the area. Utility companies often have grant schemes too. Never pay for information about such schemes or for help applying.

    I'm not judging, (they could spend their money on booze, hookers and drugs for all I care), but it really would be worthwhile looking at a money plan. Any grants or assistance they'd be applying for would usually want to see this, plus there are probably quite a few areas where they can save money - utilities, etc. and when they return to work, they could start to put some of the extra money aside in case of future emergencies.
    Last edited by SparklesJD; 17-10-2016 at 8:11 PM.
    • McKneff
    • By McKneff 17th Oct 16, 8:39 PM
    • 34,736 Posts
    • 44,724 Thanks
    McKneff
    If you are living with them then you cant have that many bills. Payback time for some short while.

    You need to support them as much as you can financially, after all, they will have spent thousands and thousands on bringing you up.
    No one can make you feel inferior without your consent
    • xylophone
    • By xylophone 17th Oct 16, 10:11 PM
    • 19,168 Posts
    • 10,881 Thanks
    xylophone
    The rent is £650 a month but as the third adult working full time, presumably you are normally paying a third of that and a third share of all other utility bills, council tax etc?
    • McKneff
    • By McKneff 17th Oct 16, 10:46 PM
    • 34,736 Posts
    • 44,724 Thanks
    McKneff
    So even under normal circumstances when everyone is working you should be paying at least 100 a week bed and board.......
    No one can make you feel inferior without your consent
    • silvercar
    • By silvercar 17th Oct 16, 11:04 PM
    • 34,045 Posts
    • 142,324 Thanks
    silvercar
    The rent is £650 a month but as the third adult working full time, presumably you are normally paying a third of that and a third share of all other utility bills, council tax etc?
    Originally posted by xylophone
    So even under normal circumstances when everyone is working you should be paying at least 100 a week bed and board.......
    Originally posted by McKneff
    Maybe the parents earn enough normally to not consider asking their son for any board.
    • enthusiasticsaver
    • By enthusiasticsaver 17th Oct 16, 11:46 PM
    • 2,546 Posts
    • 4,358 Thanks
    enthusiasticsaver
    If you live with them you should be contributing towards rent and bills.

    Rent, council tax, utilities are main ones first.

    I would also express surprise that on £3k per month and only £650 rent they have no savings and are approaching retirement. If the illness leads to early retirement do they have company pensions they can draw on?
    Debt and mortgage free and saving for early retirement
    • xylophone
    • By xylophone 18th Oct 16, 12:35 AM
    • 19,168 Posts
    • 10,881 Thanks
    xylophone
    Maybe the parents earn enough normally to not consider asking their son for any board.
    Then he counts himself lucky and pays the lion's share of the rent and bills in his parents' time of need?

    And it is worrying that his parents have no emergency savings.
    • LABMAN
    • By LABMAN 18th Oct 16, 1:22 AM
    • 472 Posts
    • 682 Thanks
    LABMAN
    dawssss18 it's payback time....dig deep!
    Je suis Parisien
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

693Posts Today

4,164Users online

Martin's Twitter