Not allowed Saving Benefits , no its OK

beninvres

From https://www.BCODP , forums .As member EDITED BY BOARD GUIDE
brief reply to EDITED BY BOARD GUIDE
Write to Members of Government , if you agrree .
M.P. is keen to help.

NB it is perfecly Ok to 'SAVE BENEFITS', the INTEREST IS NOT COUNTED'. BUT benefit staff do not know this ??
SO its to court I go.

GL 24 FORM IN . NOW WAITE ,J.C.P. DID NOT HAVE ANY IDEA ABOUT: THE SAVING FROM WITHIN BEN. NOW THAT SAYS IT ALL .HOW CAN A RULE BE APPLIED ,AND NO ONE KNOWS OF IT , A BIT FRAUDULANT OF GOVNMENT SYSTEM .
Good job as dyslexic , I run good diary , its a form of proof .

Income Support have found out about UN-DECLARED PEPs/ ISAs , more than £3K. loosing 'applicable amount' state / Housing Ben and Coucil tax credit. I am likely to loose all.
The funds are to me ; an alternative theropy , like S.A.D. light source .In the bed times of depression / epileptic fits , i feel good about what i have been able to do with past life.
THE FUNDS GIVE ME FEELING OF STILL BEING 'ABLE ' TO DO SOMETHING.
TO BE EVERLASTINGLY ON £3k SAVINGS , WOULD BE A CONTINUOUSE FRIGHT AND PANIC STATE TO ME.

i WANT THE FOLLOWING CHANGED
1) the tax free '£25/m mutual policies that any one can have , to be Savings rule exempted . we should all be equal in this . not restricted , as claiment.
2)Medical exemtion from saving rules , as :saving is part of being 'ABLE'TO COPE BETTER WITH DISABILITIES.
3)all limits are too low , £3k , then taxed on capital at between 20.8% and 62.4% ,not even millionairs have that levy.
4 ) £8 k plus and its 100%.

I have self impoverished in last 10 yrs. to have these investements. I may have recognised clinical dred of wasting .
It's not Savings brought in , of waged work , but
SPENDING MONEY ON SAVING/ INVESTING.
iF YOU ARE LIKE MINDED ON THIS , THEN WRITE TO YOUR MP , THEY DO COUNT A LETTER AS 1000 + COMPLAINTS.
tO TAKE INCOME SUPPORT TO COURT IS NOT GOING TO BE EASY . HELP.
NO LEGAL AID , AND TO USE FUNDS , WOULD BE OWN ' OXIMORON'.
ANY DISABLED LEGAL BODS OUT THERE ?

already feeling lost and sycologically empty , so what state when its
less then £3k . OH hell.

deemy2004

There should be an incentive to work, not an incentive to save money whilst on benefits. The system as it is is probably right, as there SHOULD be a dis-incentive to those who are accumulating more than £3k to go out and work and reap the rewards of their hard work.

Anything that makes it 'easier' to stay on benefits with regards accumulation of assets - is a NO NO !

beninvres

I EDITED BY BOARD GUIDE - DO NOT POST PERSONAL DETAILS , at 52 now have Epileptic fits , blackout without warning, If you would care to go to GOOGLE .. 'BCODP and see profile as EDITED BY BOARDGUIDE. I am Not able to work , now, with the cerible palcy geting worse , and the sight going . Cuurently it is perfectly OK to spend , waste benefits , I do not wish to spend it in pub , smoke , holidays, ect.
Dare you see the 'person', stuck on benefits , soory ! I do not apologies for being 'DISABLED' , being born with them as I was . Get work , you are dangerously un-aware of the ' DISABLED' that cannot work a day . I , now cannot say what my state of health will be in the next few hours . you try having a 4 day Epileptic fit . and then be told you ' MUST NOT SAVE YOUR BENEFIT @.

There should be an incentive to work, not an incentive to save money whilst on benefits. The system as it is is probably right, as there SHOULD be a dis-incentive to those who are accumulating more than £3k to go out and work and reap the rewards of their hard work.

Anything that makes it 'easier' to stay on benefits with regards accumulation of assets - is a NO NO !

paulcdb

It's an arkward situation...

trying to help those who truely can't work, while stopping those who 'could' be working is difficult...

how can those who can't work save for the expenses that can arise and if you've got a disability people tend to need more expensive things, like addaptions to cars, houses, etc...

Personally i'd like to see it changed so you get an increase in the savings allowance, when you get the IS premiums that you get when on DLA.

Not sure what else could be done... but it can be a bit unfair on people.

deemy2004

I Patrick Sampson , at 52 now have Epileptic fits , blackout without warning, If you would care to go to GOOGLE .. 'BCODP and see profile as 'engproddes', you will see what i mean . I am Not able to work , now, with the cerible palcy geting worse , and the sight going . Cuurently it is perfectly OK to spend , waste benefits , I do not wish to spend it in pub , smoke , holidays, ect.
Dare you see the 'person', stuck on benefits , soory ! I do not apologies for being 'DISABLED' , being born with them as I was . Get work , you are dangerously un-aware of the ' DISABLED' that cannot work a day . I , now cannot say what my state of health will be in the next few hours . you try having a 4 day Epileptic fit . and then be told you ' MUST NOT SAVE YOUR BENEFIT @.

Individual circumstances vary, but the rules have to be applied to all fairly.

What I do recall that its been £3k for a long, long time, maybe they should index link the £3k limit ?, which may bring it upto date.

Fran

ben,

Are you getting help with your appeal? Perhaps you could get a representative from your local Citizens Advice Bureau to help? In any case I would suggest asking CAB or other Welfare Benefits adviser to help you with this. Are you getting support from any organisation that specializes in your disabilities? Perhaps they could help you too.

Ted_Hutchinson

NB it is perfecly Ok to 'SAVE BENEFITS', the INTEREST IS NOT COUNTED'. BUT benefit staff do not know this ??

I would like to know on what basis you make this claim.

The reference books I have available indicate that capital accumulated from benefits is treated no differently to capital acquired by any other means.

There are exceptions where owing to a delay in decision making such as a reconsideration, followed by appeal followed by a further delay when failed appeal is taken to the Commissioners who then decide given certain conditions to return the matter to the appeal panel who then award in the Claimaints favour. In a protracted case such as that the backdated benefit (ie dla) would after it has been paid out, be ignored as capital for 52 weeks but that is the only type circumstance where accumulated benefit income is disregarded as capital that I am aware of. If you know better then it would be helpful to have links to the relevant legislation.

For other who are not aware of the Capital/Savings Rules for means tested benefits they are in GL23 Social Security Benefit rates Towards the back of the guide.

I agree with your contention that the saving/capital limits are too restrictive for disabled people who may want to buy expensive equiptment which their local NHS/Social Services are unwilling to fund. New multifunction powerchairs cost more than a car and it should be possible for permanently disabled people who choose not to spend their full benefit entitlement to put that money into a dedicated fund for a specific purpose. However, one lump of money in a savings account looks much like another savings account credit and there are a sufficient numbers of DWP fraudsters about to make any increase of such exceptions an open invitation to the fraudsters to take advantage of.

I have in the past had run ins with the DWP over the use of capital resulting from Compensation payments left after the Compensation Recovery Unit reclaimed their share of previous benefit payments. Having the disabled claimant worrying over the possible application of "Notional Deprivation of Capital" rules being applied after the expenditure of Compensation on disability related equipment is unfortunate but DWP staff are prohibited from actually telling the disabled person that such expenditure would or would not be regarded as "Intentional Deprivation".

The original poster here will, having accumulated excess capital now be in this position as having lived frugally to acquire the capital any deliberate increase in spending patterns may be regarded as being indulged in purely to take advantage of the benefit system.

Perhaps the best place to air this matter further would be Disability Now

Milarky

Just to point out that there is 'means-testing'... and then there is 'means-testing'.

What I mean by that is that there are several different sets of means tests and clearly a heirarchy prevails.

'Income Support for Working Age': means-testing [including Jobseekers] applying to these unemployed or with care responsibilties or disabled by virtue of receipt of a relevent 'non means-tested' benefit like DLA

'Income Support for Pensionable Age' [above age 60] means-testing; AND now

'Tax Credits' means-testing.

The 'Rolls Royce' of means-tests applies to the final category. The boast of Goverment is that, under its new rules, the Child Tax Credit is available to 90 per cent of families in the country on incomes upto £58,000. If the 'same' [or similar] rules were to be applied to the poorest of means-tested claimants, not only would the government then be guilty of acting consistently for a change, but this would also assist our friend towards what he says he is presently prevented from doing. [Since the 'means test' for Tax Credit ignores any actual capital and only takes 'actual' income derived from it into account]

Of course had the govt wished to be accused of consistency they would raised benefits at the bottom first rather than waiting for 2 years and, as almost their first action, voting through the outgoing [Tory] government's proposals on freezing Child Benefit. Like the '75p' debacle it was something which they later addressed, but to suggest that the resulting mishmash has much to do with 'joined-up' thinking is 'Labouring' the point somewhat!

helen21_2

deemy2004 wrote:

There should be an incentive to work, not an incentive to save money whilst on benefits. The system as it is is probably right, as there SHOULD be a dis-incentive to those who are accumulating more than £3k to go out and work and reap the rewards of their hard work.

Anything that makes it 'easier' to stay on benefits with regards accumulation of assets - is a NO NO !

Saving whilst on benefits is by no means making it easier to stay on benefits!
People on benefits may struggle to save each week and go without what some class as essentials and others, like myself, class as luxuries. Who else is gonna provide a new cooker if mine blows up? I thought as much -NO ONE!
I have always saved a little and i class that little bit as mine and my childrens life line should anything drastic happen, and do feel, although on benefits, i have that right!!!! And when my children are old enough to be left i will go out to work and then be able to afford the luxuries that we have gone without!

helen21

MyUserNamesTaken

helen21 wrote:

Saving whilst on benefits is by no means making it easier to stay on benefits!
People on benefits may struggle to save each week and go without what some class as essentials and others, like myself, class as luxuries. Who else is gonna provide a new cooker if mine blows up? I thought as much -NO ONE!
I have always saved a little and i class that little bit as mine and my childrens life line should anything drastic happen, and do feel, although on benefits, i have that right!!!! And when my children are old enough to be left i will go out to work and then be able to afford the luxuries that we have gone without!

helen21

Actually, if I remember correctly, the DWP will help you purchase a new cooker (or other such "essential" items) should yours blow up. They do this by awarding you a crisis loan or grant.

Ted_Hutchinson

The DWP are keen to encourage people on Benefits to consider the long term security offered by having savings and are trialling a Savings project for people on Income Support. Unfortunately it's by invitation only so you have to wait to be invited. If you have been invited to take part in the Saving Gateway your letter will tell you which area your scheme belongs to. See details for your area below:
Cambridgeshire
Cumbria and North Lancashire
East London
East Yorkshire
Manchester
South Yorkshire

With regards unexpected necessary expenses those on low income could ask for Crisis Loans Community Care Grants or Budgeting Loans