partner has fallen ill but i need to carry on working...

March2012

my boyfriend used to contribute to the mortgage and other bits in the house. he no longer contributes as has been unwell for quite a while. obviously on my own it is difficutl with a child.i wonder what the best options are. thanks for any advice. I own my own house. thanks in advacne for any help.

Mara69

Your partner can put in a claim for contribution based ESA if he's paid the relevant NI contributions. Are you claiming tax credits? Do you work full time? How much do you earn?

March2012

thanks for your input. he says he has done some forms fro ESA but i am confused what it is exactly and how this affects me or not. he owes some national insurance contributions and as been ill for a while he used up any outstanding money he had . i was working self employed and been a bit slowed down with his illness etc but hopefully should be up and running again but need to udnerstand how this affects me. can he get housing. what is the amount on ESA? thanks for your help again.

Mara69 wrote: »

Your partner can put in a claim for contribution based ESA if he's paid the relevant NI contributions. Are you claiming tax credits? Do you work full time? How much do you earn?

bestpud

When you say 'housing', do you mean help paying the mortgage? I don't think that is possible as you are working.

You may be entitled to some council tax benefit but would need to claim as a couple.

Do you receive tax credits and child benefit?

I don't know much about ESA so can't comment on that, but it sounds as though he may not have paid enough contributions and any income based claim would take account of your income.

MrsManda

If he has paid enough national insurance contributions in the relevant years he will receive ESA. ESA is paid at one of 3 rates - the assessment rate which is upto £71 a week for over 25s then depending on how the illness affects him he will be assessed as either being eligible for the Work Related Activity Group where payments can be upto £99.15, or the Support Group which is upto £105.05
http://www.direct.gov.uk/en/MoneyTaxAndBenefits/BenefitsTaxCreditsAndOtherSupport/Illorinjured/DG_171894

If he is not considered to have paid enough NIC then he'll be assessed for income based and this will depend on your income plus any savings.

As bestpud said he's not going to get housing benefit while living with you as he's not a tenant. You may be able to claim council tax benefit - you need to fill out a joint claim at your local council office.

What benefits do you claim? If you receive tax credits have you informed them that your household income has dropped?

March2012

national insurance contributions.what happens in this case? thanks everso!

MrsManda wrote: »

If he has paid enough national insurance contributions in the relevant years he will receive ESA. ESA is paid at one of 3 rates - the assessment rate which is upto £71 a week for over 25s then depending on how the illness affects him he will be assessed as either being eligible for the Work Related Activity Group where payments can be upto £99.15, or the Support Group which is upto £105.05
http://www.direct.gov.uk/en/MoneyTaxAndBenefits/BenefitsTaxCreditsAndOtherSupport/Illorinjured/DG_171894

If he is not considered to have paid enough NIC then he'll be assessed for income based and this will depend on your income plus any savings.

As bestpud said he's not going to get housing benefit while living with you as he's not a tenant. You may be able to claim council tax benefit - you need to fill out a joint claim at your local council office.

What benefits do you claim? If you receive tax credits have you informed them that your household income has dropped?

Dunroamin

March2012 wrote: »

national insurance contributions.what happens in this case? thanks everso!

Then any means tested benefits will be based on the household income ie. your earnings.

March2012

any information you can refer us too? thanks everso for all help. i have googled means tested benefits and cant find any info on it!!!

Dunroamin wrote: »

Then any means tested benefits will be based on the household income ie. your earnings.

RAS

Go to www.turn2us.org.uk and check what support you can get.

WTC, CTC, any housing support will be through tax credits and may not kick in for 3 months.

atrixblue.-MFR-.

as you have a mortgage, the only relief you MAY get is a council tax benefit part payment (depending on your income).

if he has not paid enough NI conts, he wont be eligable for contribution based esa, but income based ESA again your income is taken into account including any tax credits working tax credits.

if your partner has any loans with is bank see if he has PPI, and make a claim through that to reduce the amount of his outgoings.

March2012

income based esa? i cant seem to find anything on teh web. will try turn to us agian but would be useful to understand. thanks everso!

atrixblue.-MFR-. wrote: »

as you have a mortgage, the only relief you MAY get is a council tax benefit part payment (depending on your income).

if he has not paid enough NI conts, he wont be eligable for contribution based esa, but income based ESA again your income is taken into account including any tax credits working tax credits.

if your partner has any loans with is bank see if he has PPI, and make a claim through that to reduce the amount of his outgoings.