help needed - declaring living with someone

zzzLazyDaisy

billhicks1982 wrote: »

Thanks, just done that and seems only thing that will change is she will get £40 a week less JSA, but seems thats all thats changed.

I'd be surprised if that really is the case, because your savings are over the initial band for council tax credit and HB (savings between £6k and £16k affect the benefits on a sliding scale) so you should expect those benefits to be reduced as well as her JSA.

billhicks1982

zzzLazyDaisy wrote: »

I'd be surprised if that really is the case, because your savings are over the initial band for council tax credit and HB (savings between £6k and £16k affect the benefits on a sliding scale) so you should expect those benefits to be reduced as well as her JSA.

That may be the case, but that calculator said everything will stay the same but JSA will go down, but wont know for sure yet so not sure, but that site calculated everything stays same except that.

dmg24

billhicks1982 wrote: »

Hi, I do understand, its been discussed with the job centre, thanks though.

By your own admission the JCP did not give you a clear answer. A DM would need to decide whether you fulfil the labour market conditions, and limiting the availability of a joint claim to one person looking for sixteen hours will not be sufficient. The DM will take into account childcare issues, but with two of you in the household (and one choosing not to work) there is not an issue, and therefore there is no reason to limit availability.

I would also agree with zzzLazyDaisy, your savings will affect the amount of other means tested benefits you are eligible for.

billhicks1982

The JCP did not give clear answer to what benefits go down etc - In relation to the work and hours etc its all been made clear.

And I know my savings will effect the benefits, hence the topic, I dont know what will happen, just saying what that online calculator said, not saying its right, but for every £250 £1 is added a week to the income, so £64 a month for my savings is added as 'income' for her to be recalculated, thats not much so whatever will change it shouldnt be too much we hope, and that calculator said we will lose £40 a week JSA as a result (And in that calculator I put in how much savings I had too), so even if other benefits do come down it shouldnt be by much.

billhicks1982

dmg24 wrote: »

By your own admission the JCP did not give you a clear answer. A DM would need to decide whether you fulfil the labour market conditions, and limiting the availability of a joint claim to one person looking for sixteen hours will not be sufficient. The DM will take into account childcare issues, but with two of you in the household (and one choosing not to work) there is not an issue, and therefore there is no reason to limit availability.

I would also agree with zzzLazyDaisy, your savings will affect the amount of other means tested benefits you are eligible for.

Also, with regards to no reason to limit availability, I do not drive, so their is the case of picking the child up as it is not walking distance, she also does a lot of running around for her nan who recently had a stroke and is basically a carer for her without officially being one.

zzzLazyDaisy

I suggest that you make an appointment with a benefits adviser at the CAB. The results you are getting don't add up.

This may be because you are misunderstanding something, or it may be a glitch in the entitledto website (I had a similar experience when trying to work out the effect of ISA's on tax credits, and got an incorrect result).

Whatever, I do hope that it is your intention to make up the shortfall - whatever it turns out to be - as £40 a week is a lot of money to lose over a month, in addition to the extra expenses associated with having another adult in the house (don't believe the saying 'two can live as cheaply as one' it rarely works out that way).

billhicks1982

zzzLazyDaisy wrote: »

I suggest that you make an appointment with a benefits adviser at the CAB. The results you are getting don't add up.

This may be because you are misunderstanding something, or it may be a glitch in the entitledto website (I had a similar experience when trying to work out the effect of ISA's on tax credits, and got an incorrect result).

Whatever, I do hope that it is your intention to make up the shortfall - whatever it turns out to be - as £40 a week is a lot of money to lose over a month, in addition to the extra expenses associated with having another adult in the house (don't believe the saying 'two can live as cheaply as one' it rarely works out that way).

An appointment will be made, was just wondering if anyone had been through it etc.

Why do you say it doesnt add up though?

As I said, for every £250, £1 is added to the 'income' bracket, with my savings that I live off (its not savings as in its sitting there doing nought), thats £64 a month extra income she will be getting (The way they see it), so surely it cannot go down more then that, or much more?


She s hoping the site is right and only her JSA go down, but even if it all goes down as I say its only an extra £64 a month so how much can it go down? Surely not that much as £64 is not much, they shouldnt be able to take off more then £64 off her benefits as then that wouldnt make any sense.

''We see you are getting an extra £64 a month after calculations of her bf's savings, we will now deduct £150 from your benefits''

If you see what I mean.

billhicks1982

Another query.

As said £1 is taken off every £250 over 6k in savings, but my savings constantly go down as its what I live on, its not just sitting there, so everytime I spend £250 do we then have to contact jobcentre to put the extra £1 back on, or do they do it by everytime it goes down by 1k, or just wait til its below the 6k threshhold? Anyone know how that works as the savings I declare to them will be different a month after that and so on.

Thanks

zzzLazyDaisy

billhicks1982 wrote: »

Also, with regards to no reason to limit availability, I do not drive, so their is the case of picking the child up as it is not walking distance, she also does a lot of running around for her nan who recently had a stroke and is basically a carer for her without officially being one.

None of these issues are relevant factors for the purpose of determining benefit entitlement.

billhicks1982

zzzLazyDaisy wrote: »

None of these issues are relevant factors for the purpose of determining benefit entitlement.

Okay, but as I said, they have already discussed the working hours etc for her and its fine for her to work for 16 hours or more, but 16 is the mininum.