Support for Mortgage Interest

parkrunner

TESCOBABE56 wrote: »

Children are grown up, I'm 61 unemployed at 50, I was entitled to nothing, and I'm still paying in.

I pay full council tax, still have a mortgage, but being a silly billy, I saved.

My SRP is six years away it is £120, less tax.

Why aren't you entitled to JSA?

borkid

parkrunner wrote: »

Why aren't you entitled to JSA?

I suspect because she has too much in savings or a partner who is earning. It's often the way with benefits the more responsible you are the less you get. Some people on here even want the SP to be means tested so again the sensible ones draw the short straw.

teddysmum

£120 a week for 52 weeks is £6240, which would not attract tax if it was the sole income.

rockingbilly

nannytone wrote: »

one of the only certainties of the welfare state is that entitlement can change and the rules get tightened.

speaking only for myself, i am willing to put up with whatever rules they may decide to adopt because ..
i have no income of my own
i need other peoples money in order to live

i think the re assessments under PIP are necessary.
maybe not yearly, but i don't see a problem with 5 yearly.

i started claiming DLA in 1996 and have NEVER been re assessed.

thats 20 years of them just 'giving' me money.
i never had a medical and they never contacted my doctor.
at the time there was a space on the form that the GP had to sign to confirm that what was written on the form was true.

how many doctors do you think actually read the form?
mine didn't. he just signed it and gave it back to me!

But in your case, like mine, you are suddenly not going to acquire an eyesight sufficiently good enough to not need the financial help. Should someone in an identical situation who has lost both legs suddenly sprout new ones 5 years down the line?
I eventually claimed DLA after dithering making one for 10 years. I received an award for HRM & MRC and since then (2001) have never had a reassessment. However now that PIP is with us I have not now prove that I have sufficient care needs, but that the effects of my disability fit relevant descriptors. I'm having a hard job in doing that to be honest - I will lose my HRM as they now say that you only have mobility difficulties if you can't walk 20 metres whereas previously I was assessed that I could not walk 50 metres. I can actually walk more than 20 but less than 50 - this was proved in 2000 by a hospital consultant when tested on the treadmill.. Based on that one element it would seem that the government are now saying that I have had an improvement in my mobility - first I virtually could not walk now I am able to walk.
With your eyesight you must get annoyed when you have to continually prove for PIP that there has been no improvement despite medical opinion saying that it will NEVER improve?

nannytone_2

the fact that you feel none of the PIP descriptors apply to you is all the more reason that you need help to complete the forms.
you may be taking them too literally.

i can walk forever and a day and including her free runs, probably do in excess of 25 miles a week.
but i can't do it alone.

you say you can walk between 20 and 50 m and so will fail that descriptor.
but can you do it safely, without severe discomfort, in a timely manner ( no more than half as quick as someone with no problems) and can you do it repeatedly.

those are the rules you have to apply to the descriptors, and if you still fail them all, then you wouldn't be entitled by anyones reckoning

i haven't been transferred to PIP yet, but the fact that i will regularly be reassessed doesn't bother me.

if i am happy to take the money, then i must also be happy to prove i merit it

dktreesea

Savile wrote: »

I am sorry but for some it is a choice as they are far better off on sickness/disability benefits than working minimum wage. And takes away any responsibility or incentive to get better.

Same with all benefit they should be paid back like a student loan.

Many people who have a long term illness or disability aren't going to get better. For example, not all cancer can be cured, not all conditions respond to pain medication and arthritis, osteo or rheumatoid, would have to be one of the worst diseases known to man once it's in your hands or feet.


Not all illnesses or disabilities arise from some action on the part of the person. They could just be genetically predisposed to certain illnesses.


Even if the person won't get better, and will instead, as of now (research in the future may find cures) have a gradual deterioration of their condition, it doesn't then follow that there is a way to manage that illness and/or disability sufficient for them to work. Should people, for example, who suffer from Tourettes be condemned to a life of joblessness and poverty just because currently there is no cure for their condition?


Illness and disability aside, are you suggesting, for example, that paying the interest on a mortgage for someone who is claiming, restricted to what they would have received had they been renting, would act as a disincentive for the homeowner to get themselves another job?

xylophone

My SRP is six years away it is £120, less tax.

Have you obtained a new state pension to establish your "starting amount" and whether you can improve on it?

https://www.gov.uk/check-state-pension


https://www.gov.uk/new-state-pension/eligibility

Change2011

Savile wrote: »

Yes it is, Stuff that is NEVER going to change missing limbs, Blind etc should have say 5 year checks if only to see if things have got worse other help could be provided. But any body with mental health other ME whatever other "invisible illness" they have made up next should be checked every 3 months, and asked what treatment plan they have or what they are doing to get better and back to work, people should not fester on benefits and have bad days only on the days it matters.

ME isn't a made-up illness, its a cruel life changing illness. I don't have it but its real.