Income Protection and Contributions Based ESA

john240870

Hi
I get a PHI from my employer and like you ive not contributed into it. I get about £1600 per month from the PHI before tax and NI get deducted. and i get £110.75 per week in ESA CB. Its also very strange that for some benefit they take my PHI as income and for others they don't.

sportsarb

john240870 wrote: »

Hi
I get a PHI from my employer and like you ive not contributed into it. I get about £1600 per month from the PHI before tax and NI get deducted. and i get £110.75 per week in ESA CB. Its also very strange that for some benefit they take my PHI as income and for others they don't.

Different benefits are paid for different reasons. Some are income replacement (In other words, they are there to pay you because you are unable to work, and get income that way) whereas others are supplementary and can be paid regardless of work.

PIP/DLA would be one example of a benefit to supplement other income.

Benefits that are typically considered as income replacement would be those such as ESA/JSA which is why other income replacement schemes, such as some PHI schemes, are taken in to account. The government sees it as two sets of money being paid for the one reason.

calcotti

john240870 wrote: »

Hi
I get a PHI from my employer and like you ive not contributed into it. I get about £1600 per month from the PHI before tax and NI get deducted. and i get £110.75 per week in ESA CB. Its also very strange that for some benefit they take my PHI as income and for others they don't.

Do the DWP know about your PHI? Are you still employed?

john240870

Yes they do and yes im still employed

calcotti

john240870 wrote: »

Yes they do and yes im still employed

So in your case the DWP appear to have ignored the PHI income which is correct because you are still employed but in the OP's case they have not although they should have because OP is also still employed.

john240870

sportsarb wrote: »

Different benefits are paid for different reasons. Some are income replacement (In other words, they are there to pay you because you are unable to work, and get income that way) whereas others are supplementary and can be paid regardless of work.

PIP/DLA would be one example of a benefit to supplement other income.

Benefits that are typically considered as income replacement would be those such as ESA/JSA which is why other income replacement schemes, such as some PHI schemes, are taken in to account. The government sees it as two sets of money being paid for the one reason.

I was meaning more that CTC don't take my PHI as Income But CT does Strange.

sportsarb

john240870 wrote: »

I was meaning more that CTC don't take my PHI as Income But CT does Strange.

Oh.

I have a lot of time on my hands these days so tend to go off on a tangent sometimes.

SupercarfanUK

Sorry for sounding ignorant or dumb, but what does CTC and CT stand for?

thanks to everyone that has replied to my original thread. I am still waiting to hear back from the DWP regarding my Mandatory Reconsideration. I hope they provide me with a full explanation, because I still feel I'm being fobbed off!

sportsarb

SupercarfanUK wrote: »

Sorry for sounding ignorant or dumb, but what does CTC and CT stand for?

thanks to everyone that has replied to my original thread. I am still waiting to hear back from the DWP regarding my Mandatory Reconsideration. I hope they provide me with a full explanation, because I still feel I'm being fobbed off!

Child tax credit and council tax.

SupercarfanUK

Ah thank you for explaining that. I've learnt something new today