Joint UC claim with a young child, a mortgage and husband in full time work

ceb1995

Just wondering if something can confirm I ve understood what work requirements will be in our situation.
Our child is under 1, but turning 1 in November 
Husband works full time over minimum wage

We have a mortgage so won't be claiming anything for housing side. 
I understand I won't be expected to have any requirements at all until our sons turns one but after that with his income being full time and over minimum wage, what will be expected of me? 
I have dyslexia and dyspraxia so certain jobs are very much a no go with me and I d end up injuring someone or myself if I ever drove (not that I d ever pass my test) but I m certainly not affected enough to get claim PIP or the low work requirements group, and struggling to understand what's expected once he's one. I m doing part time study with OU also from October but not enough I couldn't also search for jobs if expected to on top of that (left my old job during mat leave as childcare for me being full time wasn't going to work with hours of my husband's job). 

Clouds88

It's something like, if your partner earns £600 and above then you dont have any commitments for work.
Also I think under 5 even if he didnt you dont have to look for work. 
I'm sure there are lots of people on UC where only one parents works and earns above the threshold and the other is a stay at home parent with a small amount of UC to top up their income.

ceb1995

@cloudsClouds88 said:

It's something like, if your partner earns £600 and above then you dont have any commitments for work.
Also I think under 5 even if he didnt you dont have to look for work. 
I'm sure there are lots of people on UC where only one parents works and earns above the threshold and the other is a stay at home parent with a small amount of UC to top up their income.

Yes he's over that amount for sure. 

Rubyroobs

They don't seem to do very much to encourage a second parent to work if the other is working full time. Your husband would need to be on a fairly low wage to qualify for Uc though with only one child and no rental costs.

calcotti

Rubyroobs said: our husband would need to be on a fairly low wage to qualify for Uc though with only one child and no rental costs.

I think with the £515 Work Allowance there will be some entitlement.
Standard Allowance £411.51 plus child element £237.08 = maximum UC £648.59.
Nil UC threshold will be £648.59 / 63% plus £515 = £1,544.51. NMW x 37 hours/week will be less than this so some UC payable (albeit not much) - less after September when UC allowance drops.

ceb1995

Rubyroobs said:

They don't seem to do very much to encourage a second parent to work if the other is working full time. Your husband would need to be on a fairly low wage to qualify for Uc though with only one child and no rental costs.

Sorry I should have been clearer, we have a mortgage not that we have no housing costs so aren't eligible for the housing allowance, I believe the basic allowance is then higher before wages due to this when I checked on a benefits calculator. 

ceb1995

calcotti said:

Rubyroobs said: our husband would need to be on a fairly low wage to qualify for Uc though with only one child and no rental costs.

I think with the £515 Work Allowance there will be some entitlement.
Standard Allowance £411.51 plus child element £237.08 = maximum UC £648.59.
Nil UC threshold will be £648.59 / 63% plus £515 = £1,544.51. NMW x 37 hours/week will be less than this so some UC payable (albeit not much) - less after September when UC allowance drops.

Turn2us suggested about £30 monthly once the allowance drops as they account for my husband having some workplace pensions contributions, so yes not much but if they didn't expect me to pay for a bus ticket to the job centre every week then still a net gain. 

Rubyroobs

ceb1995 said:

Rubyroobs said:

They don't seem to do very much to encourage a second parent to work if the other is working full time. Your husband would need to be on a fairly low wage to qualify for Uc though with only one child and no rental costs.

Sorry I should have been clearer, we have a mortgage not that we have no housing costs so aren't eligible for the housing allowance, I believe the basic allowance is then higher before wages due to this when I checked on a benefits calculator. 

Yes the first £515 of earnings is disregarded before earnings start to reduce your total UC. You are very unlikely to be called to the job centre each week !
I guess it's worth it for even a small amount. 

poppy12345

ceb1995 said:

Rubyroobs said:

They don't seem to do very much to encourage a second parent to work if the other is working full time. Your husband would need to be on a fairly low wage to qualify for Uc though with only one child and no rental costs.

  I believe the basic allowance is then higher before wages due to this when I checked on a benefits calculator. 

Basic allowance? Not sure what you mean by this. See calcotti's calculation above. Also the standard allowance is expected to be reduced by £86 per month from October, i don't think the benefit calculations will take this into account.

ceb1995

poppy12345 said:

ceb1995 said:

Rubyroobs said:

They don't seem to do very much to encourage a second parent to work if the other is working full time. Your husband would need to be on a fairly low wage to qualify for Uc though with only one child and no rental costs.

  I believe the basic allowance is then higher before wages due to this when I checked on a benefits calculator. 

Basic allowance? Not sure what you mean by this. See calcotti's calculation above. Also the standard allowance is expected to be reduced by £86 per month from October, i don't think the benefit calculations will take this into account.

The £30 I calculated is after taking off the £86, the turn2us calculator warns people about it at the moment.  

marcarm

With a child under 1, you will be placed in the "no work related requirements" work group, when they turn 1 you will move to the Work Prep group with appointments/phone calls every 6 months.