Injury compensation affecting benefits.

Phil_Wood

sunnyone wrote: »

And you get vertually zilch return on it as well as not having access to it to spend as you want, invest it wisely after spoiling yourself a little bit and it will last a fair while, then claim benefits when you get below £16k and you will get the full rate after you drop to under £6k

Here's the tricky bit....What is classed as "A little Spoiling" and what is "Deprivation of Capital"
In reality I probably owe my mother in law about £2,000 that has been borrowed over a 20 year period.....I'd love to pay her back....but can I?

From what I've read up to now, I can't just improve the house (Council) although we need new carpets, cooker etc.

Can I buy a Mobility scooter?......too many questions and all roads seem to point to... "Get a solicitor".....well they want paying so I can guess where the money will end up.

Phil.

allen35

Phil_Wood wrote: »

Here's the tricky bit....What is classed as "A little Spoiling" and what is "Deprivation of Capital"
In reality I probably owe my mother in law about £2,000 that has been borrowed over a 20 year period.....I'd love to pay her back....but can I?

From what I've read up to now, I can't just improve the house (Council) although we need new carpets, cooker etc.

Can I buy a Mobility scooter?......too many questions and all roads seem to point to... "Get a solicitor".....well they want paying so I can guess where the money will end up.

Phil.

Hi Phil

If you need a mobility scooter buy one, new carpets, cooker, fridge buy one, (if needed) any debts pay them, especially higher interest debts, would a holiday be benefical and theraputic to you both go on one, you owe your mum in law pay her.

Keep receipts and records for everything you buy for any future queries from benefit dep'ts


Has your disability deteroriated since you were awarded low rate care, if so think about telling them and asking for a reconsideration of your award (seek advice on this from a CAB/welfare rights)

I am sure a similar issue was posted on here over the last month and a knowledgeable person said this type of money is disregarded for a ceertain length of time.

Have a look through previous posts.

allen35

Phil_Wood wrote: »

Here's the tricky bit....What is classed as "A little Spoiling" and what is "Deprivation of Capital"
In reality I probably owe my mother in law about £2,000 that has been borrowed over a 20 year period.....I'd love to pay her back....but can I?

From what I've read up to now, I can't just improve the house (Council) although we need new carpets, cooker etc.

Can I buy a Mobility scooter?......too many questions and all roads seem to point to... "Get a solicitor".....well they want paying so I can guess where the money will end up.

Phil.

Depravation of capital is what it says, depriving yourself of money you have, example of you go the bookies and lose a few thousand or give your mate £10,000, benefits would probably class this as deprivation as you have given money away to benefit from the system.

Phil_Wood

From what I've read up to now on various sites quoting legal examples of deprivation of capital (could be wrong),
it would appear that the DWP or benefits agency won't tell you in advance what you can & can't buy without it classing as deprivation.

You have to go ahead & buy the item, they then claim it as deprivation & you have to appeal the decision.
This could then mean you need another lawer to fight your case & bang goes another fistful of cash.

I can't find anything that says, for example, that we can buy a new cooker, even though our existing one has a cracked ceramic hob, one ring not working and a wooden wedge to hold the oven door shut.
I'm starting to think that I'll have to photograph all these sort of problems & get them witnessed so as to safeguard myself later.

Phil.

Arg

camelot1971 wrote: »

If you are getting a large lump sum why should the taxpayer keep giving you means tested benefits?

This board is here for help and support for those on or looking to claim benefits, not for judgement.

It’s ONLY focus is helping people with their money.

Phil_Wood

Arg wrote: »

This board is here for help and support for those on or looking to claim benefits, not for judgement.

It’s ONLY focus is helping people with their money.

Thank's Arg, but I don't mind some people having a go.
Like I said earlier, I don't want to do anything illegal so if people think it's immoral they should complain to the idiotic politicians who made the rules.........I'm just playing by them.
If I wanted to screw the taxpayer I could call social services right now & get them to look after my now disabled partner....That'd cost them a fortune.
On another point about putting money into trust as a rainy day back up, .....who's to say that my partner won't suffer complications later in life that may require finance not covered by benefits?
What will happen when she needs the house decorating?....I'm fairly sure the DWP won't send in someone to help, she'll have to pay a decorator if she can't do it herself as a result of her injury.

I believe this is a good reason for compensation to be held in trust.

Phil.