Disabled and moving in with working boyfriend

supersaverkerry

I have looked on turn to you, I will lose housing benefit, council tax benefit and income support, so will have incapacity benefit and dla, so realistically i will have £440 a month to contribute to the household, I dont leave the house much so all i would need money for is clothes, maybe books etc... the rent on a one bed flat around here is about £450 so £225 is my half plus food and bills on top, perhaps if I kept about £50 a month myself and contributed the other £400 to the household that would work out okay.

I am slightly worried about what will happen when I get changed to ESA though.

sunnyone

supersaverkerry wrote: »

I have looked on turn to you, I will lose housing benefit, council tax benefit and income support, so will have incapacity benefit and dla, so realistically i will have £440 a month to contribute to the household, I dont leave the house much so all i would need money for is clothes, maybe books etc... the rent on a one bed flat around here is about £450 so £225 is my half plus food and bills on top, perhaps if I kept about £50 a month myself and contributed the other £400 to the household that would work out okay.

I am slightly worried about what will happen when I get changed to ESA though.

You need to be more than slightly worried as you can more likely than not be left with no IB as CBESA will stop after 12 months and very few people get into the support group which is where (if you even pass the WCA in the first place) you may continus to get sickness benefits.

You need to have a look at the ESA criteria and support group criteria NOW if you want to budget for the move.

dark_lady

Sunnyone is right OP and you also need to discuss with your partner what would happen if your money stopped and whether he would be willing to support you financially.
I only say this because i have read countless posts on here from working people whose partners have lost their jobs,and the posters have come on here and moaned about having to support their partners because thier partners dont qualify for benefit.

This is why that comment "who says romance is dead was an utterly stupid thing to say.

Oldernotwiser

supersaverkerry wrote: »

I have looked on turn to you, I will lose housing benefit, council tax benefit and income support, so will have incapacity benefit and dla, so realistically i will have £440 a month to contribute to the household, I dont leave the house much so all i would need money for is clothes, maybe books etc... the rent on a one bed flat around here is about £450 so £225 is my half plus food and bills on top, perhaps if I kept about £50 a month myself and contributed the other £400 to the household that would work out okay.

I am slightly worried about what will happen when I get changed to ESA though.

Losing HB and CTB won't matter though as you won't be paying for the upkeep for a separate property, so, as I said earlier, you'll be £150pcm worse off with lower bills and less travel to pay out for.

However, things will be different when you move to ESA.

skibadee

Theres probably millions of us who would be better off living seperatly!!

Just go for it..if you love one another you'll manage.

supersaverkerry

Oldernotwiser wrote: »

Losing HB and CTB won't matter though as you won't be paying for the upkeep for a separate property, so, as I said earlier, you'll be £150pcm worse off with lower bills and less travel to pay out for.

However, things will be different when you move to ESA.

This might be me being thick, but surely losing HB will effect me? I will now have to pay rent out of my IB.

I currently live in shared accomodation and my HB?LHA pays my rent which includes bills, and now I am moving I will have to pay half the rent and bills out of my IB.

supersaverkerry

sunnyone wrote: »

You need to be more than slightly worried as you can more likely than not be left with no IB as CBESA will stop after 12 months and very few people get into the support group which is where (if you even pass the WCA in the first place) you may continus to get sickness benefits.

You need to have a look at the ESA criteria and support group criteria NOW if you want to budget for the move.

Oh dear, yes I will have to look into this - for IB I am exempt from medicals because of how bad my condition is, I also do not have to attend the work focused interviews, I wonder if when I am moved to ESA they will view my condition as seriously as IB have.

MrsManda

supersaverkerry wrote: »

This might be me being thick, but surely losing HB will effect me? I will now have to pay rent out of my IB.

I currently live in shared accomodation and my HB?LHA pays my rent which includes bills, and now I am moving I will have to pay half the rent and bills out of my IB.

I think what ONW meant was that at the moment you are paying for a house and your partner is paying for a house so when you live together your joint expenditure will go down by quite a lot. Therefore if you pool your resources, the fact you are not receiving HB is irrelevant as your partner won't be paying rent on a separate property so can afford to pay rent on the property you share.

Personally I think it's unfair to expect you to pay half of everything when you are on benefits and your partner is working but as a couple you will have to work out how to make living together work for you.

Marisco

supersaverkerry wrote: »

This might be me being thick, but surely losing HB will effect me? I will now have to pay rent out of my IB.

I currently live in shared accomodation and my HB?LHA pays my rent which includes bills, and now I am moving I will have to pay half the rent and bills out of my IB.

How? Presumably your partner is paying rent for his place, his rent is not going to go up because you move in, so he will still be paying exactly the same as he is now. The same with electric and gas, it might slightly increase, and water won't matter unless he's on a meter. He will lose his 25% single person discount on CT, so the only thing that will go up is food.

bestpud

MrsManda wrote: »

I think what ONW meant was that at the moment you are paying for a house and your partner is paying for a house so when you live together your joint expenditure will go down by quite a lot. Therefore if you pool your resources, the fact you are not receiving HB is irrelevant as your partner won't be paying rent on a separate property so can afford to pay rent on the property you share.

Personally I think it's unfair to expect you to pay half of everything when you are on benefits and your partner is working but as a couple you will have to work out how to make living together work for you.

That and you won't need to eat out every week, or fund travelling costs between your homes.

It will be quite a saving as bills such as the TV licence will halve and utilities will be considerably less for only one home.