benefit entitlement

Confused24-7

Hi all
First time using the site so it is all a little new

Ok my situation i need some advice on is:
I am recieving income support (incapacity) for extreme panick atacks and depression.
My boyfriend of 1 year has asked me to move in with him but he is financially struggling as leaving the forces he has been left in debt and taken £10,000 pay cut, so he would need me to contribute because living alone he just about keeps his head above water.
But i want to do this by the book and declare it if i decide to move in with him.. but wondered if I would be entitled to any help still or would he be expected to support me financially ?

p.s - I have not moved in with him yet as strongly believe that honesty is the best policy and i need to think things through because i dont want to put undue stress upon myself while trying to get better.

Any advice will be greatly appreciated

healy

Confused24-7 wrote: »

Hi all
First time using the site so it is all a little new

Ok my situation i need some advice on is:
I am recieving income support (incapacity) for extreme panick atacks and depression.
My boyfriend of 1 year has asked me to move in with him but he is financially struggling as leaving the forces he has been left in debt and taken £10,000 pay cut, so he would need me to contribute because living alone he just about keeps his head above water.
But i want to do this by the book and declare it if i decide to move in with him.. but wondered if I would be entitled to any help still or would he be expected to support me financially ?

p.s - I have not moved in with him yet as strongly believe that honesty is the best policy and i need to think things through because i dont want to put undue stress upon myself while trying to get better.

Any advice will be greatly appreciated

You will be treated as a couple for benefit purposes. Assuming he has a full time job, you will lose your Income Support.

missstropy

I was in the same situation as you a couple of years ago, Unfortunatly my boyfriend moved in with me and I declared it, All my benefits stopped, had to pay full council tax, all the kids school dinners, to be honest im £1600 a month worse off and am in a right state, My boyfriend works full time but trying to get money out of him for anything is like trying to get blood out of a stone, I regret every minute of it. Lost all my independance, kids dont get anything anymore, I would think long and hard about it before you jump in

nannytone_2

you would lose your income sipport.
depending on his earnings and age, you might qualify for tax credits, hb and ctb. aso, do you get D L A? if not it might be worth applying.

AnxiousMum

missstropy wrote: »

I was in the same situation as you a couple of years ago, Unfortunatly my boyfriend moved in with me and I declared it, All my benefits stopped, had to pay full council tax, all the kids school dinners, to be honest im £1600 a month worse off and am in a right state, My boyfriend works full time but trying to get money out of him for anything is like trying to get blood out of a stone, I regret every minute of it. Lost all my independance, kids dont get anything anymore, I would think long and hard about it before you jump in

Or.......think long and hard before making somebody a part of your family - is the arrangement really going to be beneficial to your children, or will it be to their detriment? You could try working (don't know how old your children are).
Read the comment above in red that you wrote......do you not operate the household as a couple......or is it the attitude that everything is 'his'. Do you get child support from the father(s) of the children? Tax credits? Child benefit?

DX2

missstropy wrote: »

My boyfriend works full time but trying to get money out of him for anything is like trying to get blood out of a stone, I regret every minute of it. Lost all my independance, kids dont get anything anymore, I would think long and hard about it before you jump in

Only you can change this situation, since he is just your boyfriend ditch the control freak.

babymoo

OP, how old is your bf and what does he earn? www.entitledto.co.uk may tell you what you need to know, just fill it in as if you are living with him without getting benefits and it should tell you what you may be entitled to.

Confused24-7

Thanks for all your replies!
My boyfriend is 22 and earns £16,000 but with rent , outgoings,fuel and food he only just gets by because he has to repay debts that got built up while in afghanistan. I'm just concerned me moving in and not being able to contribute at all would put more strain on him as its another mouth to feed. Would help with rent be available if loose income support. I dont know its such a mess knowing what to do. And even worse knowing I am possibly pregnant. I wish that my panic attacks would just disapear so could go back to work! its so frustrating, believe me its not that i dont want to

Indie_Kid

Confused24-7 wrote: »

Would help with rent be available if loose income support.

I doubt it. Debts aren't taken into account when calculating entitlement for benefits.

Jowo_2

Remember that while you lose benefits because his income is taken into account and his debts are ignored, you could still jointly be better off, because some of the duplicate bills across your two households get halved when you live together. Make sure you factor in household savings in expenses, and not just focus on the most obvious 'losses.'.

You will find the budget planner spreadsheet on the free tools section of this website will help you determine if you are better off overall. You need to calculate your joint income and expenses, and your separate income and expenses to get a true idea. Also, you need to consider the non-measurable benefits, like the extra support, company, childcare that comes from a stable relationship under the same roof.

Also, your boyfriend should visit the Debt Free wanabee board to find expert advice on how to manage his debts rather than getting overwhelmed by them. They will tell him his options to reduce payment on them.

Confused24-7

Thanks all I shall take your advice into perspective and see what I can come up with
Thanks again