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Universal Credit
Steve_xx
Posts: 7,008 Forumite
The scenario:
1. Disabled mother with Dementia lives with her daughter and two grandchildren in their 30's
2. Daughter and one grandchild works full time
3. The remaining grandchild works on a self-employed basis, decorating. But spends most of his time, almost all of it, looking after grandmother. He gets Carers Allowance, so probably get his NI paid for him, but he also pays Class 2 NI's himself. He also gets some form of credit amounting to around £30 a week and I think this is because he doesn't earn much. Most weeks he earns nowt other than that due to caring for grandmother. She cannot be left alone.
I wondered if he might be better off if he was to try and claim Universal Credit?
Does anyone understand it?
1. Disabled mother with Dementia lives with her daughter and two grandchildren in their 30's
2. Daughter and one grandchild works full time
3. The remaining grandchild works on a self-employed basis, decorating. But spends most of his time, almost all of it, looking after grandmother. He gets Carers Allowance, so probably get his NI paid for him, but he also pays Class 2 NI's himself. He also gets some form of credit amounting to around £30 a week and I think this is because he doesn't earn much. Most weeks he earns nowt other than that due to caring for grandmother. She cannot be left alone.
I wondered if he might be better off if he was to try and claim Universal Credit?
Does anyone understand it?
0
Comments
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A very quick reply which might help a little:
Claiming UC on a self employed basis is pretty tough. If he's been self employed for more than 12 months the simple outcome will be that they would assume he earns the equivalent of full time minimum wage when calculating his earnings (see minimum income floor) and would mean that he'd be unlikely to get any UC if it was just him on the claim. They would also factor in Carer's allowance, though he would get a carer's element too.
If less than 12 months then the minimum income floor might not be applicable.
There's also another aspect where he might not be classed as gainfully self employed which could help the claim, but then he'd be open to commitments to look for work, around his caring duties.0 -
Claiming UC on a self employed basis is pretty tough. If he's been self employed for more than 12 months the simple outcome will be that they would assume he earns the equivalent of full time minimum wage when calculating his earnings (see minimum income floor) and would mean that he'd be unlikely to get any UC if it was just him on the claim. They would also factor in Carer's allowance, though he would get a carer's element too.
If less than 12 months then the minimum income floor might not be applicable.
There's also another aspect where he might not be classed as gainfully self employed which could help the claim, but then he'd be open to commitments to look for work, around his caring duties.
As a carer he would have no work search requirements so I don’t think the Minimum Income Floor can be applied.
OP, difficult to know how to respond when you refer to ‘some kind of credit’ - really need to know the existing position in order to compare.
On a Universal Credit he would have a single person standard allowance plus a carer element as his maximum entitlement. From this his Carers Allowance would be deducted. Each mont( he would need to tell DWP about any money he has spent and any mone6 he has received in connection wit( his self employment. The difference will be taken as his monthly earnings and a further deduction equivale not to 63% of these will be made. The remaining balance with be his entitlement for the month. This will vary as his earnings fluctuate. Try an online calculator https://www.entitledto.co.uk/Information I post is for England unless otherwise stated. Some rules may be different in other parts of UK.0 -
As a carer he would have no work search requirements so I don’t think the Minimum Income Floor can be applied.
OP, difficult to know how to respond when you refer to ‘some kind of credit’ - really need to know the existing position in order to compare.
On a Universal Credit he would have a single person standard allowance plus a carer element as his maximum entitlement. From this his Carers Allowance would be deducted. Each mont( he would need to tell DWP about any money he has spent and any mone6 he has received in connection wit( his self employment. The difference will be taken as his monthly earnings and a further deduction equivale not to 63% of these will be made. The remaining balance with be his entitlement for the month. This will vary as his earnings fluctuate. Try an online calculator https://www.entitledto.co.uk/
I will clarify with him just what this weekly credit payment is, and report back.
What does "minimum income floor" mean?0 -
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Hi
I recently received an advance payment of uc but forgot to include housing costs. Will it still be possible to receive an housing costs advance.
Any help would be great0
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