Changes I need to clarify, HELP!

poppy12345

amelie1978 wrote: »

but now he’s going to have to move out so I don’t lose my severe disability premium,

amelie1978 wrote: »

I’m not chucking my son out just to keep my sdp!

Sorry but you did say that.

calcotti

amelie1978 wrote: »

As for the losing the sdp while a non dependent advisor told me this.

I’m not sure what you’re getting at. Everyone agrees that you lose the SDP if you have a non dependant living with you.

amelie1978 wrote: »

CAB told me I’d be changed from pip/Esa if he claims carers allowance.

That is definitely wrong. Your ESA will carry on but with the loss of SDP. Incidentally you need to inform ESA about your son - they will not pick it up automatically.

Your opening post refers to the SDP in your PIP, this is wrong, the SDP is in your ESA, not PIP. Your PIP will not change.

Note that he doesn’t need to claim Carer’s Allowance. He can get the carer element in his UC without claiming Carer’s Allowance. If he does claim claim Carer’s Allowance his UC will be reduced by the same amount so there is no financial advantage - although he will get Class 1 NI contributions through CA whereas UC is Class 3 only.

You need to also be aware that you only get the SDP if there is no non dependant living with you and no one claiming Carer’s Allowance or the carer element for looking after you. So if your son moves out but claims either of these you will also lose the SDP.

amelie1978

Whatever man, I didn’t come here to argue or be judged, i only wanted advice.
I’d chose my son over money anyday, if I could work I would but unfortunately due to various health issues I can’t but at the same time, just like everyone else I don’t want to struggle, the money I get supports both me and my son. Well done, you quoted me with 2 conflicting quotes to prove you “right” ����

poppy12345

amelie1978 wrote: »

Whatever man, I didn’t come here to argue or be judged, i only wanted advice.
I’d chose my son over money anyday, if I could work I would but unfortunately due to various health issues I can’t but at the same time, just like everyone else I don’t want to struggle, the money I get supports both me and my son. Well done, you quoted me with 2 conflicting quotes to prove you “right” ����

You've been given good advice. People were commenting on the fact that you said your son "will have to move out" can't say i blame them for commenting on this.


Your son is no longer a dependent so your money no longer needs to support him because he can claim in his own right, then look for work, if that's what he wants to do. The money he receives he will need to pay you his "keep"


It's all part of out children "growing up" My benefits were reduced drastically too a few years ago but we learn to adapt.

calcotti

amelie1978 wrote: »

...the money I get supports both me and my son.

If your son claims UC with the carer element he will get £411.97/month as per my previous post. You will no longer have to support him. From his benefit he can hopefully contribute something towards household bills.

If he finds work but it is low paid he may still qualify for some UC as a top up.

It sounds as if you would like your son to stay. Unless he wants to move out I suggest you have a detailed look at your finances and a conversation with him about how things might work. If he moves out he isn’t going to be able to rent anything without a job.

amelie1978 wrote: »

Does bedroom tax still apply?

Realised you haven't had a full answer to this and housing costs are something else that needs to be considered.

If you rent from the council or a housing association and your son moves out you will presumably have a spare bedroom. The bedroom tax will then apply and you will be required to pay 14% of your rent yourself (assuming it is just one spare bedroom).

If you rent privately and your son moves out you will only be eligible for the one bedroom rate of Local Housing Allowance whereas you are currently entitled to the two bedroom rate.

In both cases your son moving out reduces your housing benefit. So if your son moves out and doesn't claim CA or carer element in UC so you get to keep your SDP you will have to spend some of it on increased rent costs.

PINEAPPLE1234

Just a thought is your son interested in going to college full time . You will be able to still claim child benefit for another year and probably but unsure the other child related benefits as long as he is under 19 at the start of the course year - September. Please someone correct me if I am wrong