tax credits minefield

boobless

hi all

please can some kind person try to put me straight, i have been on all the calculators and even called the tax office and everyone has a different answer....

I am currently single and living with my niece but i am planning to remarry in april and i am so confused as to what benefits i lose and credits if any i could claim.

i currently receive

IB JSA - £89.90 every 2 weeks
DLA - £146 per month
child benefit and guardians allowance - £136 per month
CTC - £54 per week
CTB

I own my home but have a very small mortgage

my future husband works full time on average 37 hours per week and takes home £1300 per month
he does not receive any benefits at all and currently lives in rented accommadation.

the calculators say we would get WTC/CTC but the tax office say on estimate we would get £20 CTC

would i still be able to get JSA once we are married

oh what a minefield

please can anyone help

many thanks

karenx

No you wont be able to get your JSA because of your partners income. You will still get your DLA. Unsure about CTB. All the sites will give different answers as they arent 100% accurate its just a guide. Only place that will give you a definate answer is tax credits for your tax credits and the council for your council tax benefit.

bestpud

You won't get the JSA, as already said.

However, you will keep the Guardians allowance and the child benefit, and also the DLA, as none of those are taxable income.

Assuming your future husband earns around £20k gross, you will definitely receive child tax credits and, if you receive the higher care rate of DLA, you can get extra tax credits. Check this site for an idea how much extra:

http://www.hmrc.gov.uk/taxcredits/payments-entitlement/other-benefits/affect-taxcredits/disability-benefits.htm

You can check how much you'd get for a family with one child and an income of £20k on entitledto or the tax credit calculator - forget the other info for now - just input the basics.

Then add any extra you may be entitled to from the link above and that will be your tax credit award.

I very much doubt you will receive any council tax benefit.

boobless

now i am even more confused

the directgov site says we would get 54 CTC and 86 WTC

hmrc online says we would get £16.09 CTC

entitled to says we would get £0

Vader123

boobless wrote: »

now i am even more confused

Your not kidding.

How can you be "single" and planning to get married in April?

Have I missed something?

Vader

boobless

no i dont think you have missed anything ?

I am single and planning to get married in april ???? - i do believe that not being married, you tend to call yourself single ?

because i am planning to get married, it does not mean i am already living with him or sharing a home, we live in separate homes and do the old fashioned courting routine, strange to many i suppose but thats my choice.

mitchaa

boobless wrote: »

no i dont think you have missed anything ?

I am single and planning to get married in april ???? - i do believe that not being married, you tend to call yourself single ?

because i am planning to get married, it does not mean i am already living with him or sharing a home, we live in separate homes and do the old fashioned courting routine, strange to many i suppose but thats my choice.

Are you ''single'' purely for benefit reasons then?

I would not class being engaged as being single. I cannot comprehend why a couple would get engaged having never lived with 1 another but who am I to judge? Are you seriously telling us that you will only move in together as a couple after your wedding day?

boobless wrote: »

- i do believe that not being married, you tend to call yourself single ?

I know couples that have been together 10yrs+, they are BF/GF and definitely not classed as ''single''

Anyway, not here to judge. With £1300pm income you will receive CTC of around £10-£15pw, child benefit as normal, you will lose all your JSA and you will lose your CTB. You will definitely not receive WTC.

Vader123

boobless wrote: »

because i am planning to get married, it does not mean i am already living with him or sharing a home, we live in separate homes and do the old fashioned courting routine, strange to many i suppose but thats my choice.

You don't have to be living together or sharing a place to be considered LAHAW.

It does sound old fashioned (but each to their own) but I do not think the DWP will class someone getting married soon as "single".

Vader

boobless

i am sorry but the DWP do class me as a single person., and i am entitled to have a relationship with anyone and would not be classed as man and wife as we run separate homes.

I dont need to be single purely for benefit reasons, i am a single, unmarried, not co habitating and raising a child on my own woman.

and just for information we are not engaged, we have both been married before and dont see an engagement ring as any sort of significance.

if we are not living together/co habitating in the same property the we cannot be labelled as man and wife, regardeless if we sleep in the same bed sometimes, if that is your meaning

boobless

mitchaa wrote: »

Are you ''single'' purely for benefit reasons then?

I would not class being engaged as being single. I cannot comprehend why a couple would get engaged having never lived with 1 another but who am I to judge? Are you seriously telling us that you will only move in together as a couple after your wedding day?



I know couples that have been together 10yrs+, they are BF/GF and definitely not classed as ''single''

Anyway, not here to judge. With £1300pm income you will receive CTC of around £10-£15pw, child benefit as normal, you will lose all your JSA and you will lose your CTB. You will definitely not receive WTC.

sorry, i cant see where i said that i was engaged ?
if you have friends that have been BF/GF for how ever many years, it matters not, if they are not married then they are single.
and yes after we are married we will live together, we are both in our 50's and do have a good standard of morals to convey.

bestpud

Ok, for a fmaily of two adults and one child, with a gross income of £20k per annum, you should receive around £38 per week in child tax credit but no working tax credit.

That is without taking your disability into account and is the same on entitledto and the tax credit calculator.

If you receive higher rate care DLA then you can get a bit extra on top of that.

What rates do you receive for care and mobility?