Short term benefits whilst on SSP

bloolagoon

lld01 wrote: »

The way I read the regs is that they should only take £600pm into account, based on those figures. They still might not qualify with that, but worth looking into.

The wife may be able to claim PIP because of her illness?

I do not think she would qualify but I can put this to her.

I will print off that document and leave it with them next week as I do not know all their circumstances, I just thought it sounded wrong that they'd expect a family to live without help.

They said something about it not being an original loan as they borrowed a substantial amount for home improvements a few years ago, which they added to their insurance, but were told for benefits it's counted as income.

epitome

There's no need for him to claim Income Support.

As she is already on ESA she just needs an ESA3 for ESA IR to add him to her claim. Any issues about mortgage insurance payments will be taken up by an ESA DM

Seems to me an ESA IR has already been put in for... as she hasn't had payment due to household income... but now that husband is on a lower wage (SSP) this might mean they can get a little ESA IR. The change in income should have been reported to ESA anyway.

How much is the SSP paying him?

Is her ESA in WRAG or on assessment rate on appeal ?

bloolagoon

epitome wrote: »

There's no need for him to claim Income Support.

As she is already on ESA she just needs an ESA3 for ESA IR to add him to her claim. Any issues about mortgage insurance payments will be taken up by an ESA DM

Could you clarify this please as her claim stopped as she was in work related and she ended her claim (was contribution based).

epitome

Her ESA claim should have remained open for National Insurance Credits Only.

At the time she may have been refused ESA IR because her husband works 24 hours or more per week. But... for her claim to now be closed.... she would have had to ask them to close her ESA claim ( a stupid thing to have done... but there you go)

Now he is not working, she needs an ESA3 (assuming she did not at any time close her claim.)

If she is still in WRAG ESA her IR award will be 112.55 + 28.45 = 141.00 (minus his SSP)
Does she get DLA Care low middle or high?

bloolagoon

epitome wrote: »

There's no need for him to claim Income Support.

As she is already on ESA she just needs an ESA3 for ESA IR to add him to her claim. Any issues about mortgage insurance payments will be taken up by an ESA DM

Seems to me an ESA IR has already been put in for... as she hasn't had payment due to household income... but now that husband is on a lower wage (SSP) this might mean they can get a little ESA IR. The change in income should have been reported to ESA anyway.

How much is the SSP paying him?

Is her ESA in WRAG or on assessment rate on appeal ?

She was on IB, transferred to WRAG and ended after 1 year. I suspect they never applied for income related at this time due to salary. I can give them this information to look into just in case.

bloolagoon

epitome wrote: »

Her ESA claim should have remained open for National Insurance Credits Only.

At the time she may have been refused ESA IR because her husband works 24 hours or more per week. But... for her claim to now be closed.... she would have had to ask them to close her ESA claim ( a stupid thing to have done... but there you go)

Now he is not working, she needs an ESA3 (assuming she did not at any time close her claim.)

If she is still in WRAG ESA her IR award will be 112.55 + 28.45 = 141.00 (minus his SSP)
Does she get DLA Care low middle or high?

No application for DLA has ever been made. I will pass on the above information.

pmlindyloo

epitome wrote: »

There's no need for him to claim Income Support.

As she is already on ESA she just needs an ESA3 for ESA IR to add him to her claim. Any issues about mortgage insurance payments will be taken up by an ESA DM

Seems to me an ESA IR has already been put in for... as she hasn't had payment due to household income... but now that husband is on a lower wage (SSP) this might mean they can get a little ESA IR. The change in income should have been reported to ESA anyway.

How much is the SSP paying him?

Is her ESA in WRAG or on assessment rate on appeal ?

I believe the ESA was contribution based and ended after the year. She was not eligible for income based ESA as her husband was working at the time.

Would she be able to put in a claim for income based ESA as a continuation of her previos claim, without going through the assessment period again? If she had to go through the assessment period again then his SSP would wipe out any money?

And (!) would they be better off claiming IS or ESA - would the total money be different for the IS and ESA scenarios ?(she must have been in the WRAG group for the year rule to take affect).

Also, if he returns to work in January I thought it would be simpler to claim the IS rather than the income based ESA for her but if it means more money...............?

I bow to your wonderful ability to work this all out (and at the same time) to add to my knowledge )

epitome

bloolagoon wrote: »

No application for DLA has ever been made. I will pass on the above information.

If the claim is still open and she has previously done an ESA3 already... all she needs to do is report the change in household income, and send his payslips.... another ESA3 may not be necessary.

bloolagoon

You are correct in all stated pmlindoo.

There is then the question of how each treat insurance.

I have insurance, this is paid to myself and covers 70% of my salary, it does show that when you pay insurance for loss of income you need to consider all eventualities as it appears this choice can have implications.

This scenario is very much outside my expertise.

epitome

pmlindyloo wrote: »

I believe the ESA was contribution based and ended after the year. She was not eligible for income based ESA as her husband was working at the time.

The claim remains open unless specifically closed by the claimant.

Would she be able to put in a claim for income based ESA as a continuation of her previos claim, without going through the assessment period again? If she had to go through the assessment period again then his SSP would wipe out any money?

As long as she did not close the claim then yes, there would be no assessment period again.

And (!) would they be better off claiming IS or ESA - would the total money be different for the IS and ESA scenarios ?(she must have been in the WRAG group for the year rule to take affect).

ESA would be better (by £28.45) as long as the claim was never closed.

Also, if he returns to work in January I thought it would be simpler to claim the IS rather than the income based ESA for her but if it means more money...............?

Better the ESA, as long as claim is still open.