Incapacity Benefit - Getting element of Income Support

qwertyuiop12345

jenny81 wrote: »

Or try and install some independance/stability in my life (as mentioned I have had to move from rented properties and it isn't easy finding another in the location I need to be to access all the treatment I need), return to work coming out the benefit system and then starting a family. But to do this will need to claim say 5 years or so SMI help, remember the rate goes down in October to around 3.5% and mortgage will be 5%.

The SMI will actually be slightly less than what I claim in HB. So I will be worse off. Hopefully you can see that I'm not trying to manipulate the system, or if I am it's to the significant benefit of the system. Sure somebody can do the sums and see the difference. As already stated I'm in a fairly unique situation and just need some guidence/help.

Is there any chance at all that you could get the people (parents?) who have enabled you to get the deposit and funded the private medical costs to pay the monthly cost of an interest only mortgage for a few years? As it will be less than your current HB, it presumably can't be huge amounts of money (compared to deposit/medical costs). You could plan to pay them back in a few years time if you were able to get out of the benefit situation.

Obviously it is a lot to ask and may be impossible, but this would seem like the best solution for your situation.

taylor72

I find it disgusting that you are even considering this and no matter how you jazz it up, this is wrong - 100% out of order con

GlasweJen

The DWP will want to know where the deposit money has come from and why it can't be used to help with your living expenses so it's not as if anyone is asking you anything that the DWP wont ask you.

People who claim income support have to declare that they:
have no savings (even savings under £6,000 need to be declared but they are disregarded
have no income (except through permitted work)
have no access to any other money

You would fail on the third point as clearly there is other money somewhere that you can access.

Anyway the point is moot, you are not entitled to income support because your incapacity benefit is more than the amount the government thinks you need to live on, there is no way around that.

tcr_3

Income Support wouldn't be too fussed if the person with the deposit money bypassed the OP altogether and paid it directly to the solicitors. That way the OP never had it to deprive themselves of & capital wouldn't come into it.

Income Support would still go through the motions and ask the OP to confirm the details in writing though ... but I've every expectation the DM would allow that one.

sunnyone

jenny81 wrote: »

Would you prefer I sat back continued claiming Housing Benefit etc in an area so I couldn't continue treatment (It would be fairly easy in my situation to be able to claim IB for life if I chose), have kids and get the various other benefits and levels (of) this entitles you to.

If you think that you can stay on IB for life, dream on, with the changes that are coming in the next few years no one can say that for sure and since you get so little DLA you are unlikely to pass for ESA when people with severe disabilities are being refused it.

You want an angle to cheat the system and there isnt one, you are not eligable for IS, end of but since you seem to want to do it fraudulently maybe you can tell other people how to do it?

Indie_Kid

Some mortgage providers will sometimes want you to pay the capital too. How would you do this?

GlasweJen

I qualify for ESA/IB under both sets of rules but I still work because I can. If I ever lost my job I would probably claim ESA conts because I'd need to be selective but I wouldn't just assume that I will always be entitled forever, they might find a miracle cure for me one day. I'd rather have the miracle cure than the ESA/IB money.

jenny81

taylor72 wrote: »

I find it disgusting that you are even considering this and no matter how you jazz it up, this is wrong - 100% out of order con

What wanting to get off benefits and in the process reduce the amount of benefits claimed is wrong?

Taking the easier route and and claiming HB for a much longer period, maybe throw in a few children is acceptable.

If you can get away from thinking I'm getting a house paid by the State and see the bigger picture.

jenny81

GlasweJen wrote: »

The DWP will want to know where the deposit money has come from and why it can't be used to help with your living expenses so it's not as if anyone is asking you anything that the DWP wont ask you.

People who claim income support have to declare that they:
have no savings (even savings under £6,000 need to be declared but they are disregarded
have no income (except through permitted work)
have no access to any other money

You would fail on the third point as clearly there is other money somewhere that you can access.

Anyway the point is moot, you are not entitled to income support because your incapacity benefit is more than the amount the government thinks you need to live on, there is no way around that.

Yes the DWP will be told where the money comes from and it's fully within the law, I know this for a fact. I just don't want to elaborate in public.

I have had a copy of the leaflet IS8 http://www.dsdni.gov.uk/is8.pdf which seems to indicate that once housing costs are factored in the amount the law says I need to live on might entitle myself to IS. Is this right? (It's near the bottom)

GlasweJen

No, paying towards your own mortgage is never a qualifier for income support regardless of your circumstances. If you can't afford your home you are expected to give it up and find somewhere cheaper, there is a specific rule that protects income from a house sale for a period of time if the money is going towards another house (for you to live in, not for a rental/business property).

For someone who has seen advisors and done research you haven't really got a clue how this whole thing is going to work?