would love some information please

bundance

I am a homeowner who pays a repayment mortgage on a leasehold flat.
I claim DLA-middle rate care, mobility nil
I also claim incapacity benefit
I also receive an occupaitional ill-halth retirement pension, aftert leaving work in 2003, this payment is £400 per month, after tax. (started in early 2006)
I dont have savings over £6000

My mental health care co-ordinator has recently sent a letter to the DLA people, and the incpacity benefit people, notifying them of changes in circumstances.

It might be that there will be no changes in my incapacity benefit, and DLA payments, but, looking at the worst case scenario, if they were, ultimately, to deem me not worthy of incacity beneit/employment support allowance or DLA, can anyone tell me what type of benefits I would get?
Also, given the above information, it would be really helpful if someone could work out, exactly how much I would receive from the DWP, (help with mortgage repayments etc) given the above information on my income and financial circumstances.

Many thanks for your help

healy

bundance wrote: »

I am a homeowner who pays a repayment mortgage on a leasehold flat.
I claim DLA-middle rate care, mobility nil
I also claim incapacity benefit
I also receive an occupaitional ill-halth retirement pension, aftert leaving work in 2003, this payment is £400 per month, after tax. (started in early 2006)
I dont have savings over £6000

My mental health care co-ordinator has recently sent a letter to the DLA people, and the incpacity benefit people, notifying them of changes in circumstances.

It might be that there will be no changes in my incapacity benefit, and DLA payments, but, looking at the worst case scenario, if they were, ultimately, to deem me not worthy of incacity beneit/employment support allowance or DLA, can anyone tell me what type of benefits I would get?
Also, given the above information, it would be really helpful if someone could work out, exactly how much I would receive from the DWP, (help with mortgage repayments etc) given the above information on my income and financial circumstances.

Many thanks for your help

If you have your IB stopped you would need to claim JSA but any pension over £50 per week reduces this so from what you have said you may not be paid anything.

If you want to work out what you may receive if things were to change you could try entitledto.com.

bundance

Noting at all?

I would only have £400 a month to pay my mortgage, bills etc, my expenditure would exceed my income.

Surely the government would not allow someone not to have enough money to live on.

What about income support?

thank you

karenx

Do you stay on your own? The amount the government says a couple needs to live on is £100 so a single person will be less. So yes £400 would be enough.
Are you able to work?

dmg24

What changes have the DWP been notified of? Surely your MH Worker would not do this without going through the possible outcome with you?

gordikin

I am a home owner.
I claim nothing.

My eye sight is poor, my hearing is less than perfect...can I claim?

karenx

what are you wanting to claim???

bundance

I do not feel well enough to work right now mainly due to severe anxiety and depression etc, but the DWP may think I am.

I have a diagnosis of aggitated depression.

My therapist notified the DWP about physical improvements such as walking distance and backache improvement and my fluctuating incontinence problem seems to have abated for long enough for me to let the incap and DLA people know.
She told them that I was withdrawing from tranquilisers and still have problems with anxiety and depression. She told them what medication I am on.

My MH worker and me discussed my position which is what prompted the change in circumstance letters.

If I lose my home and have to go into rented accomodation, would the housing benefit I receive also be affected by my pension income? How much housing benefit would I receive.

Could I end up in a position, where due to my pension income, I would be unable to afford to live in rented accomodation either?

If my pension affects one benefit, does that mean it affects them all? or do they work out your total income so you have enough to sustain yourself and keep out of debt?

I am anxious to know this for peace of mind.

suelees1

Karenx is not quite right in what she says. Yes for a single person the BASIC rate is less than that for a couple but each person is different and depending on their circumstances they could be - as you are - entitled to premiums.

In your case it's impossible to work out whether you might be entitled to any help without knowing full details of your income and mortgage.

As a starting point you need to work out your applicable amount (the amount the law says you need to live on). In your case because you are on DLA mid rate care, if you live alone and no-one is paid Carers Allowance for looking after you then your applicable amount is the personal allowance of 65.45 + disability premium of 28 + severe disability premium of 53.65 = 147.10 pw.

From what you've said your income will be much higher than this so you are not entitled to any help with IS.

However 13 weeks after claiming IS they then include in your applicable amount what they would pay towards any mortgage (not what your monthly payment is but the actual amount the DWP should pay - we can't second guess this).

So for instance if your entitlement to housing costs was say £50 pw this would be added to the 147.10 so after 13 weeks your applicable amount would be £197.10.

Now add up your total income (IB and pension). In the above example if your income is lower than your applicable amount then you will get some IS.

As an eg if your IB and pension totals £195 pw and your applicable amount is £197.10 including housing costs then you'd get IS of £2.10 pw

Council Tax Benefit is also calculated comparing our income with your applicable amount

It is complex so I would suggest you try to find someone in your area who can go through all the figures with you

I'd also make the claim for IS and CTB just to see.

bundance

gordikin wrote: »

I am a home owner.
I claim nothing.

My eye sight is poor, my hearing is less than perfect...can I claim?

If you dont work and are too ill to work you can apply for ESA employment support allowance. If you feel you have care or mobility needs you may be eligible for DLA. Contact your CAB or DWP for advice.

You would get tailored help to your query if you started you own thread.

bundance

suelees1 wrote: »

Karenx is not quite right in what she says. Yes for a single person the BASIC rate is less than that for a couple but each person is different and depending on their circumstances they could be - as you are - entitled to premiums.

In your case it's impossible to work out whether you might be entitled to any help without knowing full details of your income and mortgage.

As a starting point you need to work out your applicable amount (the amount the law says you need to live on). In your case because you are on DLA mid rate care, if you live alone and no-one is paid Carers Allowance for looking after you then your applicable amount is the personal allowance of 65.45 + disability premium of 28 + severe disability premium of 53.65 = 147.10 pw.

From what you've said your income will be much higher than this so you are not entitled to any help with IS.

However 13 weeks after claiming IS they then include in your applicable amount what they would pay towards any mortgage (not what your monthly payment is but the actual amount the DWP should pay - we can't second guess this).

So for instance if your entitlement to housing costs was say £50 pw this would be added to the 147.10 so after 13 weeks your applicable amount would be £197.10.

Now add up your total income (IB and pension). In the above example if your income is lower than your applicable amount then you will get some IS.

As an eg if your IB and pension totals £195 pw and your applicable amount is £197.10 including housing costs then you'd get IS of £2.10 pw

Council Tax Benefit is also calculated comparing our income with your applicable amount

It is complex so I would suggest you try to find someone in your area who can go through all the figures with you

I'd also make the claim for IS and CTB just to see.

Thanks for al the workings out above, but they are based on the fact that i am getting incap benefit and DLA, my question is what else would I be entitled to if these were stopped.

If I were forced to live in rented accomodation, as JSA is affected by my pension, does that mean my housing benefit would also be affected.

Ultimately, could i end up in a situation where I could not afford to live in either private or rented acoomodation, all because I get a pensoin of £400 a month?