moving in as a non dependant

salfordgirl

Hi

It's a bit complicated so want to make sure we do things right.
I am going to be moving in with a friend of the family.
He lives in a council property with a spare room, is on JSA, HB and council tax discount.

I am on ESA (support group, mixture of contribution and income based), DLA (mid rate care, low mobility)

Two questions
1. When I move in do we do a change of circumstances for HB? Will this change any of the payments?

2. Am I right in thinking I will lose the severe disability premium due to no longer living alone?

airliner

1)Yes, the claimant will need to inform the HB/CTR department about any relevant changes in circumstances.

He should also contact his Neighborhood Housing Officer about you moving in.

A non dependent deduction of £13.60p/w will be applied to your friends claim. This will reduce his Housing Benefit by £13.60p/w.
However, he will now be able to claim for occupying two bedrooms. So he will see an increase in Housing Benefit which may offset the Non Dependent Deduction.

Will you be paying him to stay there?

2) Yes you will lose the SDP as you will not be treated as living alone.
If appropriate, he could claim Carers Allowance for you and receive an extra £33.30p/w. So long as he provides 35 hours of care each week.

He can either continue to claim JSA and have an underlying entitlement to CA and receive £105p/w
OR
Claim CA £59.75p/w + Income Support £45.25 = £105

cattermole

airliner wrote: »

1)Yes, the claimant will need to inform the HB/CTR department about any relevant changes in circumstances.

He should also contact his Neighborhood Housing Officer about you moving in.

A non dependent deduction of £13.60p/w will be applied to your friends claim. This will reduce his Housing Benefit by £13.60p/w.
However, he will now be able to claim for occupying two bedrooms. So he will see an increase in Housing Benefit which may offset the Non Dependent Deduction.

Will you be paying him to stay there?

2) Yes you will lose the SDP as you will not be treated as living alone.
If appropriate, he could claim Carers Allowance for you and receive an extra £33.30p/w. So long as he provides 35 hours of care each week.

He can either continue to claim JSA and have an underlying entitlement to CA and receive £105p/w
OR
Claim CA £59.75p/w + Income Support £45.25 = £105

In addition if he was your carer he would also be able to work part time and earn up to £100 a week, presumably airliner this would cancel out the IS element? Giving a total of £159.75p per week?

Indie_Kid

cattermole wrote: »

In addition if he was your carer he would also be able to work part time and earn up to £100 a week, presumably airliner this would cancel out the IS element? Giving a total of £159.75p per week?

Yes, IS would be cancelled out if you earned £100 a week.

airliner

Yes IS would be cancelled out as sh1305 said.

The following must also be considered....... if the earnings were £159.75p/w then this would amount to £54.75 excess income as their applicable amount would be £105.
This would then have an affect on HB and CTR entitlement.

Without having a CPAG book around to check I would like to see if a £20 earnings disregard would be applied, meaning the excess income would be reduced to £34.75p/w. 85% of this would then be lost through a reduction in HB/CTR.

I wouldn't want to commit to that until I had chance to check it as I am not sure you have it both ways. If someone would confirm or quash that sentiment that would be helpful.

Indie_Kid

airliner wrote: »

Without having a CPAG book around to check I would like to see if a £20 earnings disregard would be applied, meaning the excess income would be reduced to £34.75p/w. 85% of this would then be lost through a reduction in HB/CTR.

I wouldn't want to commit to that until I had chance to check it as I am not sure you have it both ways. If someone would confirm or quash that sentiment that would be helpful.

Here says it's £20 a week for a carer. I wasn't too sure about that either.

salfordgirl

Hi

He wouldn't be claiming Carer's Allowance as he wouldn't be caring for me for the 35 hours. It is close to my family and it will be them giving the most help.

He would stay on JSA

Whiteknight

salfordgirl wrote: »

Hi

He wouldn't be claiming Carer's Allowance as he wouldn't be caring for me for the 35 hours. It is close to my family and it will be them giving the most help.

He would stay on JSA

I'm guessing your not moving in as a partner?

salfordgirl

Whiteknight wrote: »

I'm guessing your not moving in as a partner?

No definitely not.
I know he'd get more money being on Carer's, but as he genuinely wouldn't be caring for me it wouldn't be right.

I think he would get a bit more HB due to not paying the "bedroom tax", but would lose money as me being a non-dependant?
Any extra I would pay myself.

pmlindyloo

Have you received some professional advice about your moving in as a non dependant? Has your friend informed the council that you are moving in? What are the financial arrangements that you and your friend have made between you?

The council may consider that you are a lodger/boarder and this will affect your friend's benefits - not just HB and CT support but also his JSA.

I would urge you to get some professional advice regarding this - speak to the council and CAB.

airliner

salfordgirl wrote: »

No definitely not.
I know he'd get more money being on Carer's, but as he genuinely wouldn't be caring for me it wouldn't be right.

I think he would get a bit more HB due to not paying the "bedroom tax", but would lose money as me being a non-dependant?
Any extra I would pay myself.

Yes, if you refer to my first post you will see an explanation of what will happen when you move into the property.

If you intend to pay him any board as a lodger then the first £20p/w of this will be disregarded before it affects his JSA.