Confused about allowed savings limit

Xbigman

NYM wrote: »

Would you believe it, some people would rather retain their integrity than try to 'screw' the State for every penny they can.

If you have £6200 in savings and that stops you getting £700 in CT support, that is not integrity it is stupidity.
CT support is there for a reason and being a few £ the wrong side of an arbitrary cut off point is easily and legally correctable.

If you have thousands of £ extra in savings and you spend them deliberately then that is deprivation of assets.


Darren

nannytone_2

Xbigman wrote: »

If you have £6200 in savings and that stops you getting £700 in CT support, that is not integrity it is stupidity.
CT support is there for a reason and being a few £ the wrong side of an arbitrary cut off point is easily and legally correctable.

If you have thousands of £ extra in savings and you spend them deliberately then that is deprivation of assets.


Darren

please explain how having £6,200 in savings stops you getting £700 in council tax support.

for capital over £6,000 and under £16,000 you lose £1 per week for every 250 ( or part of,) that you are over the limit.

will be interested to learn otherwise

Jayleen

nannytone wrote: »

that doesn't make sense.

the applicable amount isn't a 'cash' amount. it is just the amount of income a household is alloweed before they start deducting housing benefit.

they can't use it to offset any deductions made due to excess capital.

obviously the highest amount of HB you can get is the full amount of your rent.
if your 'applicable amount' is higher, they cannot use it to compensate for the money lost due to capital.

Actually it's not the amount a household is allowed , just me . It's made up of ......
Enhanced Disability-Single.
Single Claiment between 25 and pension.
ESA support Component.

It's also the same amount when my Son is working . I think it is similar to what the Government used to say you needed to live on .

nannytone_2

Jayleen wrote: »

Actually it's not the amount a household is allowed , just me . It's made up of ......
Enhanced Disability-Single.
Single Claiment between 25 and pension.
ESA support Component.

It's also the same amount when my Son is working . I think it is similar to what the Government used to say you needed to live on .

your non dependant son isn't part of your household.
he is classes as his own household, even if living in the same property as you.

household simply means people regarded as being financially supportive to you i.e. a spouse or a partner.

your sons income would make no difference to your household entitlement as there are no non dependant deductions when the claimant receives PIP or DLA.

the savings over 6k rule still applies regardless of your applicable amount

if your applicable amount is higher than your rent, they don't make up the difference by off setting it against capital deductions.
it is merely the maximum amount you could claim

Jayleen

nannytone wrote: »

your non dependant son isn't part of your household.
he is classes as his own household, even if living in the same property as you.

household simply means people regarded as being financially supportive to you i.e. a spouse or a partner.

your sons income would make no difference to your household entitlement as there are no non dependant deductions when the claimant receives PIP or DLA.

the savings over 6k rule still applies regardless of your applicable amount

if your applicable amount is higher than your rent, they don't make up the difference by off setting it against capital deductions.
it is merely the maximum amount you could claim

Sorry but you are wrong . Of course my Son is part of my household and he is classed as a non-dependant and I do receive PIP . In fact he has been a non-dependant for the past 13yrs. and I used to receive DLA then .

No the 6k rule does not apply when the income used in calculation is less than the applicable amount .

I have just received my housing benefits notice and have it in black and white .

In fact I received backdated ones because I had to send older bank statements in too because my bank only does them every 3 months now and won't even let you buy a copy anymore .

At one point, the beginning of last year I had over £8,000 in giving me a tariff of £12, when this was added to my £112 it was still less than the £125.05 and the rent rebate that we received then was exactly the same , it made no difference . Just after this my Son got a pay rise and then we had to pay full rent , which is why I had to re-apply when he started claiming JSA.

nannytone_2

no. YOU are wrong
for benefits purposes your 'household' is the people that are financially dependant on each other.

wif your son was your 'household' for benefits purposes, then when he was working he would have been liable to support you and pay your rent and bills.

when your benefit entitlement is worked out, only the income of your spouse or partner would be taken into consideration. because they are the people that make up your household

your sons earnings SHOULD have been irrelevant to your housing benefit claim because no non dependant deductions are made when the claiming receives the care component of PIP or DLA

Jayleen

nannytone wrote: »

no. YOU are wrong
for benefits purposes your 'household' is the people that are financially dependant on each other.

wif your son was your 'household' for benefits purposes, then when he was working he would have been liable to support you and pay your rent and bills.

when your benefit entitlement is worked out, only the income of your spouse or partner would be taken into consideration. because they are the people that make up your household

your sons earnings SHOULD have been irrelevant to your housing benefit claim because no non dependant deductions are made when the claiming receives the care component of PIP or DLA

Well I wish I could upload these rent statements .

My Son's wages are definitely relevant and always have been !!! They even have bands for non-depenants .

Sorry for shouting but who said anything about the care component ???? I'm on the enhanced mobility rate . Even the questionairre asks If my Son contributes toward the rent . Saying a spouse or partner makes up your household is just bizarre , I don't have a spouse or partner , just me and my Son . Believe me his wages coming into the household do count, in fact he used to forward his wage slips to the benefits dept every month just to make sure we were paying the right amount of rent !!!

nannytone_2

for benefits purposes ....
a household is one or more people that are financially linked to each other. for example ... a spouse or a partner.
if one partner works and the other doesn't, they will normally support the non working partner.
if they both work, they will pay bills and buy food etc, jointly.

a non dependant ( your son) is not expected to financially support you and so isn't considered to be part of your household for benefits purposes.
that is why i said he isn't part of your household even though he lives in the same property.

i didn't realise your PIP was just mobility.
in that case the non dependant deduction would stand.

I'm still not convinced about the applicable amount and offsetting it agains deductions for capital.

hopefully houxsing benefit officer will be along and explain the situation

Jayleen

nannytone wrote: »

for benefits purposes ....
a household is one or more people that are financially linked to each other. for example ... a spouse or a partner.
if one partner works and the other doesn't, they will normally support the non working partner.
if they both work, they will pay bills and buy food etc, jointly.

a non dependant ( your son) is not expected to financially support you and so isn't considered to be part of your household for benefits purposes.
that is why i said he isn't part of your household even though he lives in the same property.

i didn't realise your PIP was just mobility.
in that case the non dependant deduction would stand.

I'm still not convinced about the applicable amount and offsetting it agains deductions for capital.

hopefully houxsing benefit officer will be along and explain the situation

Well , thanks for that . I was actually hoping myself that someone on the benefits side would butt in :rotfl:

nannytone_2

just to add, because it may be useful for you to know in the future ...

there are no premiums paid on contributions based benefit . so the fact you get the enhanced disability premium means you are receiving an income based 'top up' to your ESA.

you are in fact, receiving BOTH contributions based and income related ESA.

this means you will automatically get the highest amount of housing benefit for your circumstances.

your savings will have already been deducted from your ESA and so should have no bearing on your housing benefit.

i still don't get how they say you can have 9k in savings though