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  • FIRST POST
    • venison
    • By venison 5th Jan 18, 11:17 PM
    • 1,479Posts
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    venison
    UC questions and answers
    • #1
    • 5th Jan 18, 11:17 PM
    UC questions and answers 5th Jan 18 at 11:17 PM
    I thought it might be helpful to have a thread where people can ask about UC and hopefully get help/answers.

    I appreciate that UC is still new to most of us but I'm sure that between us we can point people in the right direction.
    I am a BG on loans,credit cards and benefits I volunteer to help get your forum questions answered and keep the forum running smoothly". Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.
Page 1
    • Euphoria1z
    • By Euphoria1z 17th Jan 18, 12:25 PM
    • 850 Posts
    • 200 Thanks
    Euphoria1z
    • #2
    • 17th Jan 18, 12:25 PM
    • #2
    • 17th Jan 18, 12:25 PM
    My Question- when you transfer to UC from an existing claim, will the overall payments be the same, more or will it be less? i.e if you get Housing allowance, child tax and working tax credits currently, once you've been transferred to UC and get a single payment, will it be pretty much the same as it was before (assuming no change in circumstances) or are you worse/better off?


    Thanks
    • Ames
    • By Ames 17th Jan 18, 1:11 PM
    • 16,734 Posts
    • 29,280 Thanks
    Ames
    • #3
    • 17th Jan 18, 1:11 PM
    • #3
    • 17th Jan 18, 1:11 PM
    My Question- when you transfer to UC from an existing claim, will the overall payments be the same, more or will it be less? i.e if you get Housing allowance, child tax and working tax credits currently, once you've been transferred to UC and get a single payment, will it be pretty much the same as it was before (assuming no change in circumstances) or are you worse/better off?


    Thanks
    Originally posted by Euphoria1z
    At the moment the only people transferring to UC are those who have a change in circumstances ('natural migration'). They get the new rates. When the DWP start moving people over ('managed migration') there will be transitional protection - they'll stay on the same amount that they were getting on the old benefits. If they have a change of circumstances after managed migration then they'll lose that protection and only get the normal UC rate.

    Managed migration isn't due to start until 2020. Based on when they intruced PIP and ESA, it could be much later and will probably take a long time for everyone to be moved.
    Unless I say otherwise 'you' means the general you not you specifically.
    • pinkladyvenus
    • By pinkladyvenus 17th Jan 18, 1:27 PM
    • 228 Posts
    • 426 Thanks
    pinkladyvenus
    • #4
    • 17th Jan 18, 1:27 PM
    • #4
    • 17th Jan 18, 1:27 PM
    At the moment the only people transferring to UC are those who have a change in circumstances ('natural migration').
    what is classed as a change of circumstances?
    Sealed pot challenge member 437
    • Ames
    • By Ames 17th Jan 18, 2:39 PM
    • 16,734 Posts
    • 29,280 Thanks
    Ames
    • #5
    • 17th Jan 18, 2:39 PM
    • #5
    • 17th Jan 18, 2:39 PM
    what is classed as a change of circumstances?
    Originally posted by pinkladyvenus
    Something that triggers a change in your claim. Moving to a new council area which means a new housing benefit claim, moving from ESA to JSA or vice versa, savings going above 16k, for instance.

    Changing bank accounts wouldn't be (there's been a few people asking that lately).

    Are you worried about a prospective change?
    Unless I say otherwise 'you' means the general you not you specifically.
    • Alice Holt
    • By Alice Holt 17th Jan 18, 10:50 PM
    • 1,695 Posts
    • 1,846 Thanks
    Alice Holt
    • #6
    • 17th Jan 18, 10:50 PM
    • #6
    • 17th Jan 18, 10:50 PM
    what is classed as a change of circumstances?
    Originally posted by pinkladyvenus
    Useful guide here:
    https://www.welfare-benefits-unit.org.uk/wp-content/uploads/2016/03/What-triggers-a-claim-for-Universal-Credit-in-a-full-service-area.pdf
    • epitome
    • By epitome 17th Jan 18, 11:36 PM
    • 3,083 Posts
    • 1,870 Thanks
    epitome
    • #7
    • 17th Jan 18, 11:36 PM
    • #7
    • 17th Jan 18, 11:36 PM
    My Question- when you transfer to UC from an existing claim, will the overall payments be the same, more or will it be less? i.e if you get Housing allowance, child tax and working tax credits currently, once you've been transferred to UC and get a single payment, will it be pretty much the same as it was before (assuming no change in circumstances) or are you worse/better off?


    Thanks
    Originally posted by Euphoria1z
    As I understand it...a new claim due to natural migration will essentially replace everything at roughly equivalent rates, some rates will be better, ESA Support group is better on UC than ESA.

    However, UC does not have disability premiums, so you could be worse off on UC if you had disability premiums before...i.e. there is no SDP or EDP.

    Also ESA permitted work income does not affect ESA
    but on UC work income will affect the UC amount. So in this case a claimant could be worse off.
    • Zziggi
    • By Zziggi 18th Jan 18, 4:38 AM
    • 2,385 Posts
    • 2,234 Thanks
    Zziggi
    • #8
    • 18th Jan 18, 4:38 AM
    • #8
    • 18th Jan 18, 4:38 AM
    I asked a question here: http://forums.moneysavingexpert.com/showthread.php?t=5776767 but maybe asking here might get a better response?

    A couple we know need to make a new claim for UC, what would the couple’s UC amount be please? They have no savings, no housing costs, no other household members. Both members of the couple are in the support group of ESA and as a couple they get IR ESA (but the wife’s ESA is contributions based as part of the claim). The claim is in the husband’s name. Both members of the couple also get DLA HRC.
    At the minute they get £388 per fortnight (husband) plus £219 per fortnight (wife) plus 2x DLA. For further info, both husband & wife are below pension age. The wife (who gets contributions ESA) has always been in the support group of ESA since she was transferred from IB a number of years ago.

    What would the couple’s UC amount be please?
    Last edited by Zziggi; Yesterday at 6:55 AM.

    • huckster
    • By huckster 18th Jan 18, 5:36 AM
    • 3,018 Posts
    • 1,265 Thanks
    huckster
    • #9
    • 18th Jan 18, 5:36 AM
    • #9
    • 18th Jan 18, 5:36 AM
    Ages of the couple ?

    How long has the wife been on contributions based ESA ?

    As far as I know, the contributions based benefit will stay as a separate benefit as it is time limited and not be part of any UC claim.

    Why do they need to change to UC ? What change in circumstances has happened ?
    • Zziggi
    • By Zziggi 18th Jan 18, 6:54 AM
    • 2,385 Posts
    • 2,234 Thanks
    Zziggi
    Both husband & wife are below pension age. The wife (who gets contributions ESA) has always been in the support group ifESA since she was transferred from IB a number of years ago.

    (Iíll ammend my post above to include this info).

    • epitome
    • By epitome 18th Jan 18, 9:23 AM
    • 3,083 Posts
    • 1,870 Thanks
    epitome
    I asked a question here: http://forums.moneysavingexpert.com/showthread.php?t=5776767 but maybe asking here might get a better response?

    A couple we know need to make a new claim for UC, what would the couple’s UC amount be please? They have no savings, no housing costs, no other household members. Both members of the couple are in the support group of ESA and as a couple they get IR ESA (but the wife’s ESA is contributions based as part of the claim). The claim is in the husband’s name. Both members of the couple also get DLA HRC.
    At the minute they get £388 per fortnight (husband) plus £219 per fortnight (wife) plus 2x DLA. For further info, both husband & wife are below pension age. The wife (who gets contributions ESA) has always been in the support group of ESA since she was transferred from IB a number of years ago.

    What would the couple’s UC amount be please?
    Originally posted by Zziggi
    For husband to be getting ESA £388 a fortnight.
    They would have to be both caring for each other with both getting underlying entitlement to CA, living alone and husband must also have ESA Conts entitlement within his award.
    In which case his ESA would be about £260 a week / £520 a fortnight.... to be reduced to £388 a fortnight he must have substantial deductions on there. If you don't know..I suggest you call ESA for a breakdown of award to be explained over the phone.



    UC = If both over 25 I would say £498.89 + £318.76 = £817.65 less the ESA Conts as said, they may both have ESA Conts
    Last edited by epitome; Yesterday at 9:26 AM.
    • Zziggi
    • By Zziggi 18th Jan 18, 10:39 AM
    • 2,385 Posts
    • 2,234 Thanks
    Zziggi
    Thanks for the info. They’re definitely no Carer Premium and no carers allowance. They don’t live alone )they’re a couple living together).

    I’m confused to the amounts too.

    I thought it might be £498.89 + £318.76 = £817.65 less the ESA Conts. As you don’t get 2x £318.76 under UC.

    So since you only get one lot of £318.76 despite both being disabled, so if one started caring for the other, Would they get £498.89 + £318.76 + £126? (Carer Premium) less the ESA conts. Less carers allowance?

    Seems like UC only allows one person to be ill in a household!
    Last edited by Zziggi; Yesterday at 10:46 AM.

    • epitome
    • By epitome 19th Jan 18, 1:25 AM
    • 3,083 Posts
    • 1,870 Thanks
    epitome
    Suggest you get a full breakdown explained of the ESA IR award, and if it includes ESA Conts for her in there as well. The only way you can get to £388 fortnightly without Carers Allowance would be to have a substantial Transitional Allowance. About £130 TA (per week) ---that is unheard of. Far more likely they are not knocking off the £109.65 husband's ESA C but even that would not explain it all, maybe also a TA of £20

    Oh, it could be a pensioner premium, you said both below pension age...but is he of Pension Credit age?

    That's what I meant as living alone, they live as a couple...alone IYSWIM.
    • bluebluecow
    • By bluebluecow 19th Jan 18, 7:58 AM
    • 145 Posts
    • 101 Thanks
    bluebluecow
    Quick question

    We are in a uc area.

    Background I uses to get esa contribution based. When that was finishing I got pip enhanced mobility standard care. My husband had to become my carer and claims carers.
    The job centre advised him to claim income support and me to not claim esa.
    I found out recently I should be claiming esa ni contributions only. So that I get no money bt my ni paid.
    As we are now a uc area. Would it be mean that the my hubby would have to migrate to uc or would it be just me.
    We also get smi (although that stops march). Child tax credits with disabled element for our son. Child benifit.

    Many thanks
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