Arghhh! My husband has gone! Help!

Dalmation

Can someone please advise
Last week my husband left me. I have 3 children aged, 1, 6, & 9.
I have a mortgage. My husband will pay CSA.
I don't work as I was medically discharged from the RAF this year. We decided I would stay at home until the youngest started school.
I do receive a pension of £600 a month and child benefit.
Would I be entitled to any benefits? I can't afford my mortgage.
Thanking you in anticipation.

Sagz_2

This website should give you some idea of any benifits you may be entitled to:
http://www.entitledto.co.uk/aboutus.aspx

Hope your life improves soon x

Caz3121

get a claim in for child tax credits - you should get aroung £165 per week
youe pension will be counted as income so would wipe out any IS or JSA payment

embob74

Just so you know...any maintenance payment is not taken into account for tax credit purposes so the more you can get the better!
I have to say as a single, working mum I was pretty well off financially - it might be worth speaking to a lone parent adviser at the Job Centre as to what help they can give you to find work and childcare and give you estimates of the income you could receive x

benefitbaby

Caz3121 wrote: »

get a claim in for child tax credits - you should get aroung £165 per week
youe pension will be counted as income so would wipe out any IS or JSA payment

Whilst the pension is above the OPs personal applicable amount her relevant motgage/home loan has to be added to the applicable amount, this may give entitlement to Income Support via mortgage interest help (SMI).

With the above in mind I advise a claim for IS (love parent) because if even £1 of entitlement exists this will passport to full council tax benefit, maximum child tax credit and free school meals and prescriptions/dental etc.

As you were medically discharged from RAF, if you have continuing ill health you may want to see if Disability Living Allowance is applicable.

You may want to speak to an adviser at CAB/similar for full advice.

C_Mababejive

For some support/advice you could perhaps forge a link with a SSAFA advisor?

fatbelly

Let the council know who is resident as it sounds like you should now get the single adult discount 25% on your council tax before any council tax benefit that you might be entitled to.

exarmydreamer

Is your pension tax free, because of discharge?. If it is, it does not count in the assessment of most benefits. Mine doesn't but it depends on which pension you were on (new or old).

Get in contact with the Veterans Welfare, You'll find them on the internet and also get in contact with the Royal British Legion. These organisations are their for you.

Contact CAB and see if you can reorganise payment plans for anything outstanding (debt wise) and speak to the council about a rebate for single person council tax.

Good luck, I was medically discharged from the Army in 2007.

exarmydreamer

Veteran's Agency:

Service Personnel & Veterans Agency
The Shrubbery
Birmingham Road
Kidderminster
Worcester DY10 2BY

01562 825527

exarmydreamer

OP, just thinking, it may be worth you going over to the Debt Free Wannabe thread and post a Statement of Affairs. They are lovely over there and will advise you of the best way to cut down on your outgoings.

Please do not pay any bills which are solely in his name, they are not your debts. Speak straight away to Mortgage company, do you have the ability to have a holiday break from your payments. How many bedrooms do you have?, can you get a lodger in (you get just over £5K, tax free) and this does not effect your child tax credits but will keep your council tax as it is.

Please go over and post an SOA, this is where I normally post, that and the Mortgage Free thread. Private message me if you like, I have been where you are, (sort of).