Benefits Entitlement

talha_muhammad99

Hello, 

This is the first time i'm posting on MSE. 

I work 35 hours a week and earn around £1115 monthly after tax and pension deductions. I will marry in a short period and my wife will be not in work ( as she never worked ), so she will be Not Employed after the marriage. I live in a private rent with 2 bedroom at £550 monthly and she will be moving with me.

I made researched online and calculated which benefits i will be entitled (after marriage) to as my wife will be not employed. On each calculation (website) the amount was different and i'm not sure even regarding the appriximate entltelment. Also, each benefit calculator showed me that i will be entitled to universal credit but not the reason why or on what criteria.

Can you please advise me whether i will be entitled to any benefits and if yes on what bases. 

Many Thanks 

poppy12345

The only benefit that's possible to claim now will be Universal Credit, providing either of you don't have savings/capital of more than £16,000, if you do then you'll be excluded from claiming. If you're entitled to it then it will be because of both of your circumstances.

Does your partner currently claim any benefits as you said she's never worked. Do either of you have any dependant children?

talha_muhammad99

We don't have any savings and there's she is not claiming any benefits and never claimed 

talha_muhammad99

poppy12345 said:

The only benefit that's possible to claim now will be Universal Credit, providing either of you don't have savings/capital of more than £16,000, if you do then you'll be excluded from claiming. If you're entitled to it then it will be because of both of your circumstances.

Does your partner currently claim any benefits as you said she's never worked. Do either of you have any dependant children?

Response 

talha_muhammad99

talha_muhammad99 said:

poppy12345 said:

The only benefit that's possible to claim now will be Universal Credit, providing either of you don't have savings/capital of more than £16,000, if you do then you'll be excluded from claiming. If you're entitled to it then it will be because of both of your circumstances.

Does your partner currently claim any benefits as you said she's never worked. Do either of you have any dependant children?

Response 

So let me understand: because I have a capital and savings less than £16000, i have a partner who in not employed and I live as a private tenant i will be able to apply for Universal Credit.

Is that right?poppy12345

talha_muhammad99

We don't have any children yet 

calcotti

There is a tool here which will help inform you what benefits you may be able to claim https://dwp-benefits-checker.shorthandstories.com/step-1/index.html

Based on what you have said the only benefits available will be Universal Credit (from DWP) and possibly Council Tax Reduction (from your local authority).

Obviously the calculation websites should each give you the same answer (there be some small rounding differences). As to why you might be entitled to UC, it is a benefit available to anyway on a low income without savings in excess of £16,000.

Your Universal Credit will only include the standard couple allowance and a housing element. The housing element is for help with rent. The maximum help you can get will be the lower of your actual rent or the one bedroom Local Housing Allowance for your post code which you can fid here http://lha-direct.voa.gov.uk/search.aspx

Assuming the £550 you pay is allowable your maximum UC amount will be £596.58 (assuming at least one of you is 25 or over) plus £550 = Maximum amount £1,146.58. 

There will be a deduction of 63% of your wages. £1115 x 63% = £702.45.

The UC payable would therefore be £444.13/month.

If the LHA rate is lower than £550 then the maximum UC amount will be lower.

Note that UC is set to reduce by £86.67/month from October.

poppy12345

talha_muhammad99 said:

We don't have any children yet 

As you don't have any children then your earnings will reduce the amount of UC you're entitled to by 63%. Use the benefits calculator above to check entitlement.

calcotti

talha_muhammad99 said: Response 

I don't know what you meant by this.

talha_muhammad99

calcotti and poppy12345 thank you for your answers very helpful. NOW I understand thanks 

talha_muhammad99

poppy12345 said:

talha_muhammad99 said:

We don't have any children yet 

As you don't have any children then your earnings will reduce the amount of UC you're entitled to by 63%. Use the benefits calculator above to check entitlement.

calcotti said:

talha_muhammad99 said: Response 

I don't know what you meant by this.

Thank you very much for your help.

At the time of marriage I will be 26 and my wife will be less than  25. 

If we decide to live with my parents, will we still be eligible for UC ?

Will any benefits will be different in amount if I will live with my parents and I pay the council tax ? ( Council tax on my name )

What if I live with parents and my dad pays the council tax ? Will benefits amount be different?