Benefits questions

nannytone_2

because if everyone did what youre suggesting, there would be no one paying tax or NI to pay for the benefits for people that are legitimately unable to work!

having a family was your choice, and it's your ( you and your partners) moral responsibility to provide for them. not the hardworking people of this country who work long hours to keep their heads above water......and also allow people to 'choose' to stay at home and live at their expense!

rant over lol

Tehya

diolch wrote: »

I will correct you!

No one is 'screwing' anybody. If the OP is able to revise the working life of both of them and then claim benefits legally and end up with the same amount of money what is so wrong with that?

As long as it done legally!

But the OP IS acting illegally by hiding money from the DWP. He quite plainly states in his post.

However the main hitch is that we have savings over 16k (we were saving to buy a house but it's proved too difficult to get on the ladder) so we would get virtually nothing in benefits until presumably we've burned all our life savings on rent and council tax! So i was wondering if you can get round this by say giving all our life savings to my parents to look after at least until our kids are at school and we can both work, or is it not that simple?

Whatever happened to pride and work ethic? I currently rely on benefits but only because my husband is seriously ill but boy do I hate it. I would much rather be at work than caring full time.

diolch

OneHubbyOneSon4Debts wrote: »

Funny how you can read people's post's who you've got on 'ignore', have you suddenly gained x-ray vision now, another one of your many talents!

They are on ignore! But just have a look at the timing of replies from the crowd that always finds some reason to complain or criticise. 4 mins!! then they follow like sheep!
I don't need to see their replies, I just knew what they would do - so predictable.

Then when I do have a look, what do I find. Another post about me again - this time I'm supposed to be dead!! Is there no end to their obscene madness?
As for having aliases or something, that is all in their imagination.

I really wonder if they should be posting on this forum when they clearly have mental issues that stretch as far as believing that strangers seem to die around them! Pheww what goes on in their minds is anybody's guess.

missbunbury

From a purely non-judgemental viewpoint, and even if the savings weren't an issue (which they are, what the OP has considered is not OK as others have already said but I am assuming this was a genuine lack of knowledge), I totally would not say now is the time to take this risk. Yes, OP, it might seem like a good plan, but with things getting cut left right and centre I would be too scared that I would find myself needing to get more work and unable to do so.

allen35

With having £16,000 plus in savings you wouldn't be eligible for housing Benefit and Council tax Benefit.

Therefore with this in mind you would be better off working full time of 30 hours as based on what you say it's minimum wage you would receive child and working tax credits.

is your partner eligible for statutory maternity pay or maternity allowance, check the link below

http://www.direct.gov.uk/en/MoneyTaxAndBenefits/BenefitsTaxCreditsAndOtherSupport/Expectingorbringingupchildren/DG_10018741

http://www.direct.gov.uk/en/MoneyTaxAndBenefits/BenefitsTaxCreditsAndOtherSupport/Expectingorbringingupchildren/DG_10018869

You may even be entitled to SPP:

http://www.direct.gov.uk/en/MoneyTaxAndBenefits/BenefitsTaxCreditsAndOtherSupport/Expectingorbringingupchildren/DG_10018750

For tax credits purposes you can estimate this years income as i'd expect it to be lower than 2010/11 tax year, you can deduct £100 for every week receiving SMP/SPP or totally disregard MA and you will receive an extra premium if working 30 hours plus.

Based on your post you would be better off working full time as i have said you will probably receive extra tax credits but no HB/CTB regardless of part time or full time hours due to your savings.

Do get a benefit check from a welfare rights org' like CAB before you decide on which route to take and good luck.

Morglin

Iamkira wrote: »

Hi i was wondering if anybody could help me out with a couple of questions.
Currently i work full time and my partner part time and we earn £320 a week but with a 2nd child on the way my partner will be leaving work for good and i was thinking of going part time 16 hours to help raise hour kids as it would appear that if i do this then we would get 274.21p benefit per week (if your savings are 6k or below) according to Entitledto website so it would appear that we would not really be much worse off?

However the main hitch is that we have savings over 16k (we were saving to buy a house but it's proved too difficult to get on the ladder) so we would get virtually nothing in benefits until presumably we've burned all our life savings on rent and council tax! So i was wondering if you can get round this by say giving all our life savings to my parents to look after at least until our kids are at school and we can both work, or is it not that simple?

Also i was wondering if my partner left work and i worked part time could we start claiming the increased benefits such as income support straight away or does it take a period of time before you are allowed to claim? And will either of us have to explain our actions and go to the job center seeking full time employment or is it quite acceptable that we simply wish to be a full time mum and part time dad/worker?

Thanks for your time, i'll be very grateful if anyone can help me out with these questions as i need to know whats what before i make any rash decisions.

1) The DWP/Revenue have the ways to check bank accounts going a fair way back, and when they see (as they will) that you have 'given' your saving to someone else, you will be classed as still having the savings (it's called 'notional capital').

This gives an example:

http://www.newcastle.gov.uk/core.nsf/a/wr_notionali+c

2) If your parents ever need to claim benefits, it will put them in the position of apparantly having these savings, thereby depriving them of benefits they may be entitled to.

3) There is a chance that tax credits will alter soon for working people (even those on 16 hours). If you deliberately cut your hours, for no good reason, it may affect your entitlement.

4) I cannot work now, because of disability, and it's a matter of regret to me that I can't, but when my kids were young, I could work and I (and their dad) considered that both of us working to support them was a actually a priority and was part of being a good parent. It sets a good example, and helps stop the so-called 'generational Giro culture'

Children should, wherever possible, be bought up to see that both parents working is the way to go. I am proud to say that both of my kids (in their 30's now), have always, since their Saturday job days, worked for a living, even though they have families.

I'd always support people claiming what they are entitled to, but, to be honest, if you can work full time, then you should.

Surely, it's also a matter of pride to know that you are supporting your children?

Children don't need two parents at home 24/7 - it's not that difficult/hard/tiring to bring up kids!

Lin

melly1980

dmg24 wrote: »

So because it can be done, that makes it ok? You are aware that the majority of children who come from homes where benefits are claimed as a lifestyle choice, will also spend their lives on benefits? Sounds like a pretty sad life to me.

Being a parent is setting a good example to your children. If you think that is a good example ...

Equally, both parents working all hours god sends with the children stuffed into a nursery from dawn till dusk thus not seeing their children is not good parenting but those sorts will be seen as hero's on here. The simple fact is some people like to spend their time bringing up children and if they do it well and the children grow up well then good for them.

mia1830

Read OP's post last night but at 1st I thought it was a wind up! I do see where they are coming from reading all the other posts but just because it can be done doesn't mean you have to. If it was so easy we would all be on benefits.

To be honest we could probably fiddle the system ourselves but I really do feel the satisfation of being able to say I work whilst bringing up our child. I get up at the crack of dawn and the OH does a twilight shift, so through the week we don't get to see much of eachother but have the weekends. We don't use any childminders we do it ourselves and both have a fantastic relationship with our child. We would love to have another but we will only do this if we can afford to and still working to be honest it would kill me to stay at home 24/7, and this comes from someone moaning about 5am starts. But when i think about it I would rather that than not work at all or the bare minimum just so we could rely on benefits! These could also be taken away at anytime.

Reading here some people say stuff pride etc but theres a lot to be said for it, my parents didn't really work when we were kids and I remember feeling a little embarrased when talking to kids about what your parents did for a living. I want our child to know to get anywhere in life you've got to work for it, you can make a balance from work and family life but you got to work at it. Its not easy and its also not fair that other people may choose to sit on there butts and get the same money but thats life!

I am 100% for seeing your family as much as possible so why not try to find a job with as close to fulltime hours that give you maybe weekends or 2 days off together so you can enjoy that time with your family, the job may not be rewarding but knowing you are doing it for your family should make it worth while. Good luck whatever you choose to do, only you can do whats right for you and your family

ryouga

dmg24 wrote: »

So you would rather be like the dole scum who have no ambition in life, for themselves or their children? You are clearly not unintelligent, but what you are describing is sacrificing your principles for money. I think you are better than that, aren't you?

Wait are you saying people who have no ambition who are on benefits are dole scum or that people who just want to live off benefits and never want to work are dole scum?

Just as I have no real ambition as keep dropping out of college though I have worked I feel I am getting nowhere in life so have no ambition and it doesnt help that when I am at college people boast how they will get X amount when they work and will own their own house and can go on holidays abroad.

For me luxury would be earning about £300-£400 per week and paying like £90 a week rent so will have around £300 left per week to spend but the amount of students I know who say they will earn over £1000 a week as they are elite is awful.

I have the mentality of I am not intending to work crazy hours and if I have a family never see them just to have money I cannot spend and to go from having say a £1000 tv over a £400 tv.

melly1980

ryouga wrote: »

Wait are you saying people who have no ambition who are on benefits are dole scum or that people who just want to live off benefits and never want to work are dole scum?

Just as I have no real ambition as keep dropping out of college though I have worked I feel I am getting nowhere in life so have no ambition and it doesnt help that when I am at college people boast how they will get X amount when they work and will own their own house and can go on holidays abroad.

For me luxury would be earning about £300-£400 per week and paying like £90 a week rent so will have around £300 left per week to spend but the amount of students I know who say they will earn over £1000 a week as they are elite is awful.

I have the mentality of I am not intending to work crazy hours and if I have a family never see them just to have money I cannot spend and to go from having say a £1000 tv over a £400 tv.

The problem is that some people are hell bent on everyone needing to be the same. Some people are ambitious, others arent. Some people are happy to go to work and leave the kids behind, others arent. Some people want to be rich, others arent that fussed and a satisfied with just being happy and so on. Take no notice. :beer: