universal credit and savings for new house or house changes for disabled child ?

Richie-from-the-Boro

Universal Credit [UC] will work by creating one household allowance [called a personal allowance] which combines the help currently given in earnings replacement benefits - such as JSA / CTB / HB / CTC etc. This personal allowance is paid in full if the household has no other income and any savings are less than £6,000.

You have a hugely complex question because of lone parent / couple / receipt of tax credits / rented / mortgage / worked hours / childcare costs / etc.

It's my view that savings around the figure mentioned will lead to issues for you. We would all hope that any single pound over the £6000 if it was intended for """house adaptations for disabled child"" would be given a 'disregard' .. .. I for one would always assume the opposite .. .. that they would take it into account as capital.

Disposing of the income equally has issues for you in terms of deprivation of capital, be careful how you go about this. You may need professional advice on this matter, for example if DLA receipts for the disabled child was 'ringfenced' in a separate 'building fund' account by a solicitor, each input of capital traceable to a source, ie DLA=source Auntie=source charitable donation=source you may have a more solid foundation for arguing """house adaptations for disabled child"" - but I for one would need legal advice before I committed to it.

NOTE : Policy briefing note here .. .. this 12 September 2011 document assumes :

- people with substantial savings or other capital clearly have sufficient capital to meet their needs
- a typical working age household has only £300 in savings
- since 2006, the upper limit increased from £8,000 to £16,000 and the lower limit, from £3,000 to £6,000

My fourth, more hope more than reality para above, appears to have shaky foundations with this comment on intended mortgage deposit savings 'we no satisfactory way of confirming future intentions, which would make it impossible to frame an exemption to capital rules on this basis' No one is quite sure what the eventual precise detail will be, but as what is described as 'consultation' was over by July last year and the policy briefing was months later we can assume its close to what will be.

SSAC general stuff here, the up to date 10/12/12 stuff here. The 2013 draft regs on UC / HB Benefit Cap / PIP - JSA - ESA - stuff here.

Best of luck

satarical

Anny wrote: »

tessie bear,

No need to explain yourself to satarical AKA Andy or even apologise if he feigns 'upset' at your replies - he is but a troll, and will challenge indiscriminately. Most of what he posts is total rubbish and unfortunately he needs to be 'outed' all the time due to the damage he could potentially do with misinformation.

Andy is now on about he's 10th ID and is usually 'outed' after very few posts, but if a new poster is not aware of him he can appear to be 'normal' - HE IS NOT!

There are many genuine posters who will be able to answer your query. However, if you do post on the benefits forum be aware that there are a few posters who can be judgmental when benefits and savings are mentioned together.

Good luck.

Is it not against the site rules to insult another member, tell untruths about another member and attempt to ridicule them?


Please refrain from any further comments of that nature.

satarical

Richie-from-the-Boro wrote: »

Universal Credit [UC] will work by creating one household allowance [called a personal allowance] which combines the help currently given in earnings replacement benefits - such as JSA / CTB / HB / CTC etc. This personal allowance is paid in full if the household has no other income and any savings are less than £6,000.

You have a hugely complex question because of lone parent / couple / receipt of tax credits / rented / mortgage / worked hours / childcare costs / etc.

It's my view that savings around the figure mentioned will lead to issues for you. We would all hope that any single pound over the £6000 if it was intended for """house adaptations for disabled child"" would be given a 'disregard' .. .. I for one would always assume the opposite .. .. that they would take it into account as capital.

Disposing of the income equally has issues for you in terms of deprivation of capital, be careful how you go about this. You may need professional advice on this matter, for example if DLA receipts for the disabled child was 'ringfenced' in a separate 'building fund' account by a solicitor, each input of capital traceable to a source, ie DLA=source Auntie=source charitable donation=source you may have a more solid foundation for arguing """house adaptations for disabled child"" - but I for one would need legal advice before I committed to it.

You explained what I was saying in a more eloquent way.

So pleased that you agree with me.

JS477

satarical wrote: »

Is it not against the site rules to insult another member, tell untruths about another member and attempt to ridicule them?


Please refrain from any further comments of that nature.

Trolling is though!

cbrown372

satarical wrote: »

Is it not against the site rules to insult another member, tell untruths about another member and attempt to ridicule them?


Please refrain from any further comments of that nature.

also against the rules to sign up after having been PPR'd Andy

http://www.moneysavingexpert.com/site/forum-faqs#ppr

satarical

JS477 wrote: »

Trolling is though!

And since when have I been a troll? Where is your evidence?

I do note the absence of a reply to my question of you?

satarical

cbrown372 wrote: »

also against the rules to sign up after having been PPR'd Andy

http://www.moneysavingexpert.com/site/forum-faqs#ppr

You are absolutely right except for one thing, I have never been registered on this site in the past nor have I been PPR'd - whatever that is and my name is not Andy.

Anny_2

satarical wrote: »

Is it not against the site rules to insult another member, tell untruths about another member and attempt to ridicule them?


Please refrain from any further comments of that nature.

Andy,


I am not insulting you I am simply telling the truth. I have no need to ridicule you...do I?