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  • FIRST POST
    • Litchielou
    • By Litchielou 6th Jan 18, 8:46 PM
    • 133Posts
    • 625Thanks
    Litchielou
    Can I get bennifits
    • #1
    • 6th Jan 18, 8:46 PM
    Can I get bennifits 6th Jan 18 at 8:46 PM
    My husband retired in march 2017 and at the same time I gave up my job of 15 hours a week.
    Can I claim job seekers allowance or other bennifits. I have a half share of a house value approx £35000 and £27000 in savings. I realise now I have no state pension for another 8 years.
    I am a kept woman in effect. When I was younger I stayed at home and looked after the children and cared for the parents from both sides.
Page 2
    • ERICS MUM
    • By ERICS MUM 7th Jan 18, 12:18 AM
    • 3,464 Posts
    • 6,443 Thanks
    ERICS MUM
    I'm 57 no qualifications I've applied for a few care jobs no luck yet, I'm frightened that I have no savings
    Originally posted by Litchielou
    You've looked after parents, kids and a husband for 30+ years, so YES you have practical qualifications ! Have a think about all the skills you've acquired and how you could use them as a carer or healthcare assistant job. Might help you in a job interview if you feel a bit more confident about your abilities.

    I can't help re benefits. Just wanted to wish you well.
    • BorisThomson
    • By BorisThomson 7th Jan 18, 11:47 AM
    • 788 Posts
    • 1,404 Thanks
    BorisThomson
    It sounds like your confidence is at rock bottom and you could do with some support in building that back up. Ask at your local library if they have a job club (or search for "job club location"), there will be people there that can help you with a cv (skills based if you have limited employment history), preparing for interviews and so on.

    Unless there is a reason why your husband cannot work he could look also, retirement doesn't have to mean stopping work completely.
    • Nigel Stutt
    • By Nigel Stutt 8th Jan 18, 10:12 AM
    • 3 Posts
    • 0 Thanks
    Nigel Stutt
    Its unlikely you would get any benefits with £27k in savings the max savings you can have is £6k so chances are until you are down at that level you wont be able to claim for anything.

    If you cant last on your husbands retirement pay then you will have to get another job and he might also have to consider something else as well such as using a hobby/interest like gardening/cooking/dog walking etc to make some extra money on the side.

    But is his retirement pay really that bad? Have you not paid off your house etc? It really depends on your circumstances as to what you need to do but most people aim to pay off their house in time for retirement and make cuts to enable them to live on their retirement income.

    What did your husband do before he retired? Anyway to get some income from that going freelance?
    • Caz3121
    • By Caz3121 8th Jan 18, 10:21 AM
    • 10,934 Posts
    • 7,149 Thanks
    Caz3121
    Its unlikely you would get any benefits with £27k in savings the max savings you can have is £6k so chances are until you are down at that level you wont be able to claim for anything.
    Originally posted by Nigel Stutt
    just to correct that...
    you can claim contribution based benefits with any amount of savings (dependent on NI contributions in the previous 2 tax years)
    you can receive income based benefits if you have savings under £16k but between £6k and £16k there is a deduction to the benefits

    In the OPs situation, I agree there is likely no benefits due

    OP - have you asked your previous employer if it is possible to go back?
    • Alice Holt
    • By Alice Holt 8th Jan 18, 6:45 PM
    • 1,710 Posts
    • 1,866 Thanks
    Alice Holt
    Its unlikely you would get any benefits with £27k in savings the max savings you can have is £6k so chances are until you are down at that level you wont be able to claim for anything.
    Originally posted by Nigel Stutt
    Nigel,

    I'm afraid you post is misleading and incorrect .

    See posts 9 & 10. As the OP has been working she may be eligible for contribution-based benefits.

    Also the max savings for income based benefits is £16k not £6k .
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