Deprivation of capital

stu12345_2

fair enough, so would she be penalised for how long
it seems unfair that someone can blow their inheritance when working, loose job 6 months later and get full benefit.
but she is unemployed and say blew £30000, that could be 3 yrs worth of benefits, that the dss could say.
but they wouldnt say that to the worker that blew it 6 months prior to loosing their job.

littlemissbossy

**Amanda** wrote: »

I withdraw 3000 cash for a rainy day and now have 4500 left in bank.

I think it may be your rainy day now.

I can only afford to pay my £500pm rent for another 6 months or so along with all my other bills and I cant work unitl my son starts full time school in september of this year

Did you not realise this when you were doing the spending.

Thanks

my thoughts in red.

Macro_3

stu12345 wrote: »

fair enough, so would she be penalised for how long
it seems unfair that someone can blow their inheritance when working, loose job 6 months later and get full benefit.
but she is unemployed and say blew £30000, that could be 3 yrs worth of benefits, that the dss could say.
but they wouldnt say that to the worker that blew it 6 months prior to loosing their job.

But that is fair - the worker is supporting himself with his earnings, so has every right to spend his money as he chooses, as he fully expects at the point of spending that he will continue to support himself once the money is gone.

Those on means tested benefits can't expect to go on a wild spending spree and then have the taxpayer support them once more once their money is gone - the system is there to support people in times of need.

stu12345_2

so basically only inherit money if ur working and spend it, butwait 3 months to make a claim if you ever loose your job.cos after that time youl fit the savings limit and current balance laid down in the housing benmefit rule book.

Blobby8_2

stu12345 wrote: »

fair enough, so would she be penalised for how long
it seems unfair that someone can blow their inheritance when working, loose job 6 months later and get full benefit.
but she is unemployed and say blew £30000, that could be 3 yrs worth of benefits, that the dss could say.
but they wouldnt say that to the worker that blew it 6 months prior to loosing their job.

OK thats fine if you agree to universal benefits for all, let everyone be entitled to the same benefits regardless of capital, suits me just fine .Where do I sign ?

Macro_3

stu12345 wrote: »

so basically only inherit money if ur working and spend it, butwait 3 months to make a claim if you ever loose your job.

Pfffft, I give up.

ManicMum

Why can't the OP work until son attends school? Childcare?

To the poster who says it's not fair you can squander money if you have a job but not if you are on benefits. There is a total difference here. If you are on benefits you are already propping yourself up with other people's money. If you are employed, you are supporting yourself and you wouldn't necessarily be expecting your life to be any different. If you lose your job, you are entitled to claim as you have paid into the system to support you when you fall on hard times. The benefit system is there as a short term measure until you can get back on your feet, not as a lifestyle choice. Those who are incapacitated due to ill health are in a different category. The OP was right to pay off debts etc but not to go blowing the cash on other things.

Ah, what's the point, thhings will never change.

stu12345_2

let me ask again, if i inherited money when i was working spent it, lost job,when would i be able to claim to be entitled to full benefit.

littlemissbossy

stu12345 wrote: »

let me ask again, if i inherited money when i was working spent it, lost job,when would i be able to claim to be entitled to full benefit.

I think if you lost your job after spendiing inheritance I would just be thinking that was daft you should have saved some of it for "just in cases".

The OP wasn't working when she spent it and now is struggling financially and can't go back to work cause of child. This sounds barking, I would be back at work.

Edit: actually I would only have a child if I could afford the time off.

Jowo_2

stu12345 wrote: »

let me ask again, if i inherited money when i was working spent it, lost job,when would i be able to claim to be entitled to full benefit.

As we answered you in your original thread, deprivation of capital is a complex issue and the DWP or HMRC treat each suspected case on a case by case basis.

A benefit claimant being asked for 3 months worth of bank statements by the DWP doesn't mean that they can blow all their income after 3 months and 1 day onwards has elapsed. This is not the case.

You also speculate that if they are deemed to have breached deprivation of capital rules, that the notional capital calculations can't apply for very long. You have provided no evidence for this.

In fact, a local council, when they research a request for a care home for an infirm person, can look back at their much longer financial history to detect whether they have transferred their savings and their property to a relative in order to qualify for free social care.

You are not adding much and are confusing the issue.