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Pension Lump Sum effecting Universal Credit
Hello, I posted this thread in the Pension board as next year when i turn 55 i want to draw a lump sum from one of my pensions. https://forums.moneysavingexpert.com/discussion/6586192/lump-sum-when-on-benefits#latest From there it was advised to draw from my Aviva pension, which would mean after tax i would be aprox £800+…
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Will moving back into mum's council house temporarily affect her benefits and pension credits
Hi new to this, so not sure if I have selected the correct subject. After some advice as I have gone document blind from so much investigation and still without a confident solid answer. Myself and my partner are currently privately renting, we are looking to leave as it is no longer sustainable due to costs and other…
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Falling below the AET
Good afternoon. My partner and I have a joint claim. He works fall time and usually erans above the couple AET. Because of this I have been given no work commitments which admittedly helped as we have young children and finding a job which works around the Children's holidays has been a struggle. I'm currently completing…
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25% tax free at 55
I turn 55 this year & I want to take 25% of my s.e.r.p.s tax free to pay off a few things etc, I am disabled & on Universal credit so my question is Do I need to let them know I've taken the 25% of my s.e.r.p.s ? or will I be fine & can finally clear bits up & have a bit of spare change for once. Thanks. P.S. I'm hoping…
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Uc and cancer insurance payout
I have recently been diagnosed with cancer and am on uc. I took out an insurance type policy 20 years ago to cover me for any female cancers which covers breast cancer. I have filled the forms in and am looking at a 9000 lump sum with a 500 a month payment for 12 months. How will this affect my uc? I know I have to declare…
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LCWRA and Council Tax Support
Can anyone advise whether my recent LCWRA award reduces my council tax support? I got a statement today saying I owe them money, so I'm assuming it must, but it doesn't seem very fair as I'm getting the LCWRA because I can't work many hours. It's Northumberland if that makes any difference
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UC & Inheritance question
Hi all. I have tried searching but haven't found an exact answer to this. I've discovered this week that a friend who has sadly passed away has left me some money from his estate. Not sure how much exactly this is going to be, but estimated to be in the region of £17-£20k. Now, I understand anything over £16k and you are…
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PIP award
My daughter had her PIP stopped in November 2023, she had her tribunal heard on 16th Dec 2024 and was awarded the high rate for both parts, backdated to March 2023. 3 weeks ago I spoke, on my daughters behalf, to PIP, as it had been a few weeks and we had not heard anything. The lady on the phone stated, they needed to…
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Disabled and on ESA/PIP - NI Credits Missing for the past 11yrs
I've copied and pasted this from the original post, for reference, the original thread is linked below from the topping up your state pension section. There are some corrections to info that was realised as the thread progressed. https://forums.moneysavingexpert.com/discussion/comment/81234703#Comment_81234703 (Original…
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Carers Allowance
I am currently helping someone claim carers allowance. They have moved from where they lived to the same city as their parents to look after them (one has dementia and one has heart failure). She has a job that pays her £500 a month and I've helped her apply for carers allowance. She applied from 1st November as that is…
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AET
I've started a job that will pay me just over the current AET amount but if the AET rises in April (does anyone know how much it will be?) I will probably be just under. I have long covid which really isn't recognized and I struggle with fatigue so don't feel able to work more than I do. I'm over 55 and have a small…
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Gifting money on pension credit
My dad 82 qualifies for pension credit (just under £4pw). He wants to gift me, my brother and sister some money. Since my mum's passing last autumn, his outlook on life has changed a bit but his anxiety levels are through the roof and he's terrified of being "in trouble" with the DWP and of being accused of deprivation of…
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Starting work on ESA and UC
I receive ESA (LCWRA) and UC. Started work yesterday on a salary of £36,970. When will my UC and ESA stop. Will it be after I get my 1st wages.
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Class 1 vs Class 3 NI credits (JSA/UC)
For context: {Edited because I'm not sure it's relevant now I have an answer} My question is, what (if any) advantage is there to claiming JSA along with UC? Financially now it makes no difference, I know it's paid fortnightly and it gives Class 1 NI credits, but what difference will the class 1 credits make in the long…
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Bank balance & UC
I'm worrying that because UC is paid monthly it might send my balance over £6000. I don't know how much I'm going to get yet but I'm used to fortnightly payments not monthly. I've worked it out based on if I get the same as ESA but obviously 4 weeks worth. Do I have to tell them if it goes over? Thanks
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ESA Migration to UC
Hi, I've received the dreaded letter saying I have to apply for UC now. I am currently on income related ESA with all the disability premiums. I get £480 every two weeks plus full pip and I'm in the support group. Will I be losing any money moving over to UC or will it be the same amount. I'm single and I live alone.…
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ESA to UC migration - normal to get P45?
I've been on ESA and have received the migration letter. I have applied online for UC. Is it standard practice for ESA to send me a P45 and do I have to do anything with it? Thanks
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UC living in a flat my parents own
My son with a disability is thinking of moving into a flat we own. Will he get any help to pay for any costs like factors charges from uc?
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Changing to Universal Credit
Hello all, I have tried looking for the answer myself before coming here but all answers have been AI generated and I know they aren't always accurate. I'm wondering if someone will be able to help with a query that I have. A few years ago I bought a house via mortgage and cover the household bills. My mother lives with me…
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Student maintance loan
Hi ! Is student maintance loan repayable ?If yes why does it count as income for universal credit calculation?
