Pension Credit + Non-Dependent

voiceofdoom

Can you tell me how a non-dependent's income and savings could affect a elderly widow if she claims for a pension credit which I'm sure she is entitled to but hasn't yet. Can you explain to me how a non-dependent who is self-employed on a low income with savings may affect any future pension credit claim she makes?

This situation isn't covered in any detail on the pension credit estimator and I'm unable to find any details on it so far.

Any advise appreciated.
Thanks.

donnajunkie

i am pretty sure with pension credit they look at the claimants income alone and of course their partners if they have a partner. if the claimant fits the criteria then they will get it even if they live with a millionaire. a none dependants income will just affect any housing benefit or council tax benefit they can get.

suelees1

There is a deduction from housing and council tax benefit depending on the non-dependant's earnings. It's a set amount on a sliding scale which you should be able to find on the web. It won't be as simple though as the non-dependant is self employed but will give an idea.

There is NO non-dep deduction for any claimant who has been awarded the care component of DLA or any rate of Attendance Allowance

If the claimant is over 65 any non-dependant is disregarded for up to 26 weeks

donnajunkie

suelees1 wrote: »

There is a deduction from housing and council tax benefit depending on the non-dependant's earnings. It's a set amount on a sliding scale which you should be able to find on the web. It won't be as simple though as the non-dependant is self employed but will give an idea.

There is NO non-dep deduction for any claimant who has been awarded the care component of DLA or any rate of Attendance Allowance

If the claimant is over 65 any non-dependant is disregarded for up to 26 weeks

they are just talking about pension credit arent they and not dla or aa. i dont believe pension credit ends after 26 weeks if someone has a none dependant on a decent income.

suelees1

I didn't say PC ended.

I said the non-dependant deduction for HB/CTB is ignored for 26 week if the lodger is living with someone who over 65.

I've added that if the someone is on AA or DLA care component there is never any NDD. This is for general information only. We have no idea if the pensioner is on one of these benefits.

donnajunkie

suelees1 wrote: »

I didn't say PC ended.

I said the non-dependant deduction for HB/CTB is ignored for 26 week if the lodger is living with someone who over 65.

thanks.
does that mean the amount of hb a person gets will increase when they turn 65?

suelees1

No it just means if a non-dependant moves in with a person who is 65 or over the non-dep is ignored for up to 26 weeks

donnajunkie

suelees1 wrote: »

No it just means if a non-dependant moves in with a person who is 65 or over the non-dep is ignored for up to 26 weeks

the thinking behind my question was due to my dad being in his early 60's and getting pension credit. he currently suffers a none dependant reduction of hb because of me. so i was wondering if when he turns 65 and if i am still here will that none dependant deduction disappear for a period?

suelees1

I've cut and pasted the following from the dwp website Donna. Your dad would only be better off if you'd moved in after he was 65/your circs changed then when the NDD would normally be increased.

A (non-dep) deduction may be delayed for 26 weeks if you or your partner are aged 65 or more and a non-dependant moves into your home or the non-dependants circumstances change to increase the deduction. [HB Reg 2006 (working age) Reg 74 HB Reg 2006 (people over pension age) Reg 55 ]

voiceofdoom

I was just referring to Pension credits since the lady (over 70) has inheritance from her husband that is likely to exclude her from the majority of benefits as well as a reduced pension credit award. The question really was is a non-dependents income/saving included in the calculation for her pension credits. Trying to actually get her to claim for anything is difficult enough!

donnajunkie

voiceofdoom wrote: »

I was just referring to Pension credits since the lady (over 70) has inheritance from her husband that is likely to exclude her from the majority of benefits as well as a reduced pension credit award. The question really was is a non-dependents income/saving included in the calculation for her pension credits. Trying to actually get her to claim for anything is difficult enough!

none dependants income/savings wont affect it but if she has more than 10k in savings herself or income from something else like a private pension then it will be affected.