Incapacity Benefit

sospanfach1

Thanks sdw and onw for your comments will have to think down those lines,but in the current housing market easier said than done.Didnt mean to make it sound awful but i have paid into the system for 40 years and now because i havent paid for the last 3 or 4 you are penalised .I know i have savings and property, i have worked dam hard all my life to get these ,it gets to me that people who dont work waste their life get everything paid for them so what is the point in working hard. My motherin law and father in law did the same he died and now my mother in laws in a home and guess whose taking the house to pay for her care home.

sospanfach1

At the moment wife is helping my daughter out looking after granddaughter.This will end in Jan next year as she is going to full time school so she will be looking for something then which will help.

seven-day-weekend

I understand how you feel sospanfach, but I suppose we have to remember that the means-tested benefits are there for those who do not have enough money to live on. The reason they don't have it is irrelevant for benefits purposes. You DO have the wherewithal to live and so therefore you are not entitled.

The Contributory Benefits, yes it does seem unfair when you have paid in for forty years but just not at the right time that you can't get them, but I suppose the reason that it has to be recent contributions is that some of them (like IB) are there for those who suddenly through sickness/disability find themselves unable to work after having done so.

sospanfach1

You hit the nail on the head seven-day-weekend when you said "the reason they dont have it is irrelevant for benefits" that is the problem.I,m not saying there are not genuine people out there who deserve benefit,these people probably don,t get enough.But there are a large number claiming when they should be working the whole system wants to be radically changed.In my case fair enough i will survive BUT i have still paid in for 40 years so i have contributed which a lot of these people claiming today have,nt

McKneff

sospanfach1 wrote: »

Thanks sdw and onw for your comments will have to think down those lines,but in the current housing market easier said than done.Didnt mean to make it sound awful but i have paid into the system for 40 years and now because i havent paid for the last 3 or 4 you are penalised .I know i have savings and property, i have worked dam hard all my life to get these ,it gets to me that people who dont work waste their life get everything paid for them so what is the point in working hard. My motherin law and father in law did the same he died and now my mother in laws in a home and guess whose taking the house to pay for her care home.

We are all in the same boat, i agree wholeheartedly with you, but we do have our self respect. If you dont want the same thing to happen to you re taking your houses to pay if you go into care the time to protect yourself is now so go see a solicitor.

sospanfach1

Dont worry that is all sorted my mother in law has dementia so it was very difficult to get her to understand the importance of these things.
Where do they get these care home charges from,"think of a number and double it" my wife looked after her mother for 6 years for £46.50 a week 24 hours a day.Care home fee now £497 a week????? CRAZYYYYYYYYYYYYY

Oldernotwiser

sospanfach1 wrote: »

know i have savings and property, i have worked dam hard all my life to get these ,it gets to me that people who dont work waste their life get everything paid for them so what is the point in working hard.

The vast majority of people work very hard as well but don't amass the amount you have. Good luck to you but don't assume that the reason people have less than you is necessarily because they're idle. Some are, of course, but the majority have far less than you to show for it.

sospanfach1

these properties oldernotwiser are all mortgaged we tried to start a property business 3 years ago i am not some property tycoon.
Over 40 years of working and paying in to system i would say £250,000 in income tax and NI contributions i think i have aright to have a little moan about not qualifying for IB

healy

sospanfach1 wrote: »

these properties oldernotwiser are all mortgaged we tried to start a property business 3 years ago i am not some property tycoon.
Over 40 years of working and paying in to system i would say £250,000 in income tax and NI contributions i think i have aright to have a little moan about not qualifying for IB

You will get your state retirement pension when you reach retirement age.

Oldernotwiser

sospanfach1 wrote: »

these properties oldernotwiser are all mortgaged we tried to start a property business 3 years ago i am not some property tycoon.
Over 40 years of working and paying in to system i would say £250,000 in income tax and NI contributions i think i have aright to have a little moan about not qualifying for IB

I did appreciate the fact that your properties are mortgaged. However, from what you said you have 15% equity in each of them, which must be equivalent to quite a few thousands.

Anyway, that's nit picking, I was just pointing out that you have far more money behind you than most others of your age, however hard they've worked. If you've paid all that tax and NI you must also have been fortunate enough to have had a very well paid job. Your current situation is obviously a temporary "blip" until your pensions kick in or you realise some of your assets. I hope you weather it and wish you well.