ESA ending what next do i do ?

Anubis_2

smileytiger wrote: »

Our house will be on the market at the end of this month for exactly the same reason. I'd rather sell than be repossessed when OH loses his CB ESA.
We have a fair bit of equity to eek out as long as possible to supplement my wages & then we'll have nothing but my wages and any benefits that apply (assuming they still exist). Homeowners are being penalised more because they have a mortgage to pay rather than rent, as you cannot claim for any help with it. The Govt saying you can live on £105 per week is based on a couple getting rent/council tax paid for - not for those of us with a £125 per week mortgage to pay with no help.
Still i suppose all the ex CB ESA's selling up might give the housing market a boost;)

I am not sure of the rules, but some can claim towards mortgage costs, JSA is included as a qualifying benefit but rules are different than for ESA. Read the whole page.http://www.direct.gov.uk/en/MoneyTaxAndBenefits/BenefitsTaxCreditsAndOtherSupport/On_a_low_income/DG_180321

scrummy

Regarding means-testing for people being denied further CB ESA, are pensions taken into account?

Is there a link anyone can post for a complete list of means-testing rules, including assets you're allowed to own?

Many thanks.

KxMx

I'm afraid all those in this terrible position need to look at where each and every penny is spent. Obviously with a drop in income it is no good trying to fund the previous lifestyle as you now can't afford it and you need to find ways to alter your outgoings to your new income. Look into means tested benefits as has been suggested such as free prescriptions/ help with health costs. I know that's not fair, but surely those of us on IB/ESA have already been hit with the illness stick and should have realised by now life doesn't always give you in terms of what you want or hoped for, sometimes plans have to be altered and things given up.

I know when I am switched to ESA- been waiting for "that" letter since August 2011- I will have to appeal as I will be turned down and am making financial plans for this (along with a possible period of 0 income under the new appeal plans). As well as trying to build up my savings I know several things which I will stop paying for/need to give up when this happens etc. Basically I will be cutting my cloth in a different manner to what I am wearing now.

xylophone

scrummy wrote: »

Regarding means-testing for people being denied further CB ESA, are pensions taken into account?

Is there a link anyone can post for a complete list of means-testing rules, including assets you're allowed to own?

Many thanks.

http://www.newcastle.gov.uk/benefits-and-council-tax/welfare-rights-and-money-advice/means-tested-benefit-capital-and-income-rul might help.

ohdearpuzzle

"I mean is this a situation you are comfortable in... I would feel very awkward myself in a relationship depending on the other person financially.. but I wouldn't be with someone who wouldn't make that provision as it would suggest rather negatively of their intent or persona."

In reply to the above. My partner is more than happy to provide financially for us. My point is, that I am the ill one. I worked for 'the state' for 15 years in a teaching role in an inner city school, working very hard and it is me that should be supported.... not forever and ever, just for now. I think the system is deeply flawed and am aware that there are many, many, many other people in much worse situations than mine. I am not under threat of loosing my house (yet) and have amazing support from my partner and family. My point is that I don't think partners should have to take on all the financial burden when when half is ill.