ESA 365 Day Rule (THE END)

Torry_Quine

As has been said by others marriage is about supporting each other through the good and the bad. There surely must be more to this than a drop in income.

FBaby

It would have been less stressful if you hadn't waited until the last minute to work on an action plan considering you knew your budget would reduce. YOu say that you are better than you were before, are you certain that you couldn't handled some part time work, at least give it a try?

No family with two children are expected to live on £7,500 a year. With tax credits and child benefit, your income will be higher. In the end, you have the same choices than any other family who rely on one salary rather than two. You might have to review your outgoings to match your budget.

You can't blame the government for you being stressed, it is you and your wife not preparing for the situation in the next few weeks that is bringing on the stress.

Icequeen99

As others have said, your tax credits can be revised (although not fully because there is a disregard for falls in income, which this would be).

Presumably you will also be entitled to some Housing Benefit and Council Tax Benefit or if you are already claiming them - more of the entitlements.

I can't quite see how you think you will be better off if you separate.

I would suggest you both go to a CAB and get a full benefits check done. Or as a start use the Turn 2 Us benefits checker calculator to see what else you will be entitled to.

IQ

epitome

The reason you can't get JSA Conts is because you have not worked since 2009

By definition she does earn enough to support you, if she was not working and you claimed ESA IR for both of you you would get £141 a week or £7330 a year, as she earns more than that she can support you just as you could support her if she had no job.

If you left the household she would still be on the same money and would still have a drop in income of £400 a month to cope with. I cannot believe that she could not afford to feed an extra person (you) when your income drops, at the end of the day that's all it comes down to.... your food... every other household cost for her will remain virtually the same if you leave.

You can late appeal for support group giving reasons for the lateness.

You could make an effort to go back to work.

She can contact working tax credits and get that sorted out.

meliek

I think Im in a similar situation to yourself, I am the one receiving ESA contribution based and I'm in the work related group too. I was on IB for nearly 8 years before they changed me over to ESA. My husband works 24 hours (which is hopefully going up after xmas) and he receives about the same as your wife does. he is very poorly paid min wage I think actually.

We have two children and we recived £114 a week child tax and we receive £23 working tax. We also get help towards rent and council tax, I think you need to get on to the tax credits and see why you get so little they must have made a mistake, this situation is so stressful and I have a while before mine ends.

Infact I don't quite understand it, can you not re apply when it ends? surely if you have a ongoing illness that your doctor can support why cant you re apply again,
hope things work out for you,

meliek

Dunroamin

Why would you want to stay married to someone with your wife's attitude? Persumably you're in the same situation as any other SAHP, taking over the bulk of the domestic responsibilities and freeing your wife to have a more relaxing time when she's at home.

Morglin

Flm wrote: »

The thing is without the ESA my wife would not be financially able to support me and the two children. She does not earn enough to pay our outgoings. There are no luxuries like sky etc to cancel.

The marriage wouldnt end due to illness, it would end due to not being able to pay the bills and feed the kids due to the Gov dumping me on the heap.

I will be entitled to £0 from them after years of being a tax payer and contributing to the system.

Its like saying, i have worked for 365 days and im stopping the Gov's tax and NI contribution from my wage. I would be put in prison.

It may well be the case that once you lose your ESA payments, your wife may be entitled to more top ups from elsewhere.

Try putting in the figures (not including your ESA ) into the site Turn2us to find out.

Lin

von

Your finances don't really make sense. Unless your wife is under 21 or self employed her gross wage should be a minimum of £9843 per year. Are you sure you're giving us the correct information? People can't advise you properly if the information you provide is wrong.

janiebquick

Flm wrote: »

My wife has supported me for a few years now whilst i have been unwell and with me entitled to £0 in the next few weeks i think that will be the end.

How long do you think she would help support me and our two children whilst she only works 30 hours a week.

I think this would be the final nail in the coffin, as they say.

Didn't you vow to look after each other 'for better or worse' when you got married? This is now the 'for worse' bit.