JSA and MPPI query

sortedatlast

Hiya,

Wonder could anyone shed any light on this?
I was made redundant and had taken out an Mortgage Payment Protection Policy which will pay out for 12 months - directly into my bank account ( the insurers' policy to do this. ) I have been claiming Contribution Based JSA and this will be finishing in about 4 weeks' time.
After that point, am I eligible to claim Income based JSA or will my MPPI payment be classed as income?
It is to cover mortgage payments and other debts - credit cards etc , so I receive £700 per month.
Can anyone advise me if this is classed as part of my means tested income or not?
I have no other income - no dependents etc.

Thanks all in advance!

kazzah60

in my husbands case it was counted as income as the DWP told him
" well it's up to you whether or not you use it to pay your mortgage or not- so we count it as income"
HTH

dunstonh

If the insurance goes direct to the debt then it should not be included in any benefits means test. If it is paid to you directly (for you to then spend as you wish, even if the purpose was mortgage) then it is included in the means test.