Partner automatically move to UC when moving in and lose everything?

Corbula

calcotti said:

Corbula said: She gets CA for looking after her mum and dad, but as I work I wouldn't be able to look after anyone for 35hrs a week. 

Sorry, I inferred that the CA was for looking after a child with DLA as you mentioned she is getting DLA (note to self - shouldn't make assumptions!). Who is the DLA for - is it the sister?

People who work full time can still provide 35 hours of care because people need looking after in the evenings, at night time and at weekends.

That's OK, it is confusing! The DLA is for our daughter. 

When it comes to UC is there an salary limit that stops you getting it, or does it just reduce it? 

poppy12345

It will depend what your maximum UC entitlement is. Please use a benefits calculator to check entitlement.

Alice_Holt

Corbula said:

calcotti said:

Corbula said: She gets CA for looking after her mum and dad, but as I work I wouldn't be able to look after anyone for 35hrs a week. 

Sorry, I inferred that the CA was for looking after a child with DLA as you mentioned she is getting DLA (note to self - shouldn't make assumptions!). Who is the DLA for - is it the sister?

People who work full time can still provide 35 hours of care because people need looking after in the evenings, at night time and at weekends.

When it comes to UC is there an salary limit that stops you getting it, or does it just reduce it? 

     Entirely dependant on circumstances - rent, health conditions, amount of savings, number of children, earnings, etc
           
             https://www.gov.uk/universal-credit

             https://www.moneyhelper.org.uk/en/benefits/universal-credit/universal-credit-an-introduction

             https://www.understandinguniversalcredit.gov.uk/new-to-universal-credit/universal-credit-and-work/


     The way to get an UC estimate for you as a family is to put accurate details into the benefit calculators -
         
         https://www.gov.uk/benefits-calculators        

Spoonie_Turtle

Corbula said:

calcotti said:

Corbula said: She gets CA for looking after her mum and dad, but as I work I wouldn't be able to look after anyone for 35hrs a week. 

Sorry, I inferred that the CA was for looking after a child with DLA as you mentioned she is getting DLA (note to self - shouldn't make assumptions!). Who is the DLA for - is it the sister?

People who work full time can still provide 35 hours of care because people need looking after in the evenings, at night time and at weekends.

That's OK, it is confusing! The DLA is for our daughter. 

When it comes to UC is there an salary limit that stops you getting it, or does it just reduce it? 

UC has a maximum entitlement made up of different elements depending on your situation.  So the earnings threshold at which it's reduced to nil is different depending on your situation.

If you provide 35hrs' worth of care for your daughter when you're not working (which could include supervision and emotional support, 'care' doesn't just mean physical help) then your UC could be made up of:

Standard couple allowance
LCWRA element
Carers element
Child element
Disabled child element
Housing costs?  (If you rent)

You would have a work allowance (because you have a child) which is an amount of earnings that is ignored before they start taking deductions; a lower amount if you get help with housing costs or a higher amount if you don't.  They then make a deduction of 55% of earnings above that amount, and anything left is the UC payable.

I'm sorry I don't have the brainpower to include amounts here.  https://www.understandinguniversalcredit.gov.uk/new-to-universal-credit/how-much-youll-get/ has amounts (housing costs will depend on location) and a more in-depth explanation.

calcotti

Corbula said:

calcotti said:

Corbula said: She gets CA for looking after her mum and dad, but as I work I wouldn't be able to look after anyone for 35hrs a week. 

Sorry, I inferred that the CA was for looking after a child with DLA as you mentioned she is getting DLA (note to self - shouldn't make assumptions!). Who is the DLA for - is it the sister?

People who work full time can still provide 35 hours of care because people need looking after in the evenings, at night time and at weekends.

That's OK, it is confusing! The DLA is for our daughter. 

When it comes to UC is there an salary limit that stops you getting it, or does it just reduce it? 

In which case I would be surprised if you do not provide 35  hours a week off care and you could claim the carer element for looking after her.

There is no fixed limit. The point at which there ceases to be UC entitlement depends on how the claim is made up.

Corbula

We've been using some of the calculators, it looks like she will be about £70 a week worse off moving from income ESA to UC 😢.

Would she be able to get the new style ESA along side UC? How can I calculate this as it doesn't seem to mention it on the entiledto calculator? 

lisyloo

Corbula said:

TELLIT01 said:

Corbula said:

Thank you.

Her ESA is fully income based.
So she would keep her PIP and DLA. but lose her ESA and gain Carers Allowance. 

She wouldn't qualify for UC because of my savings and probably salary. I have 20k in an S&S ISA which I'm using for later in life and retirement which I'm considering moving into a SIPP so that wouldn't come into it. I also have 15k in a cash ISA but I'm going to be using a few thousand of this on my new house. My salary is 29k.

So she will be losing quite a chunk with losing the ESA? What about the new style ESA, isn't that just based on her rather than the household? 

This is not a criticism of the OP, simply an observation.  If claiming income related benefits, the claimants can't decide which savings or capital are considered by DWP.  Many people do aim to put money away for later life and retirement but in the type of situation outlined by the OP, the assets of both partners in a relationship will be included in any entitlement calculation.

I think I'm going to move that into a SIPP as it seems the logical thing to do as it's for my retirement and seems like that will grow the most for then. 

You do realise you don’t pay income tax on your isa capital (you already paid it once when you earned the money).
if you moved this into a SIPP your pension is chargeable to income tax A second time.
Paying tax twice is not logical (I understand you are trying to claim benefits)

poppy12345

Corbula said:

We've been using some of the calculators, it looks like she will be about £70 a week worse off moving from income ESA to UC 😢.

Would she be able to get the new style ESA along side UC? How can I calculate this as it doesn't seem to mention it on the entiledto calculator? 

In a previous comment you said you have more than £16,000 in savings, if this is correct then you will both be excluded from claiming UC. 

She won’t be able to claim New Style ESA because she hasn’t worked in the previous 2 tax years, what has been advised previously.

Corbula

lisyloo said:

Corbula said:

TELLIT01 said:

Corbula said:

Thank you.

Her ESA is fully income based.
So she would keep her PIP and DLA. but lose her ESA and gain Carers Allowance. 

She wouldn't qualify for UC because of my savings and probably salary. I have 20k in an S&S ISA which I'm using for later in life and retirement which I'm considering moving into a SIPP so that wouldn't come into it. I also have 15k in a cash ISA but I'm going to be using a few thousand of this on my new house. My salary is 29k.

So she will be losing quite a chunk with losing the ESA? What about the new style ESA, isn't that just based on her rather than the household? 

This is not a criticism of the OP, simply an observation.  If claiming income related benefits, the claimants can't decide which savings or capital are considered by DWP.  Many people do aim to put money away for later life and retirement but in the type of situation outlined by the OP, the assets of both partners in a relationship will be included in any entitlement calculation.

I think I'm going to move that into a SIPP as it seems the logical thing to do as it's for my retirement and seems like that will grow the most for then. 

You do realise you don’t pay income tax on your isa capital (you already paid it once when you earned the money).
if you moved this into a SIPP your pension is chargeable to income tax A second time.
Paying tax twice is not logical (I understand you are trying to claim benefits)

This is true however you aso get tax relief at 20% when you pay into a SIPP then gain the compounded interest until retirement on my money plus the tax relief. When I retire I can take 25% tax free before paying income tax on the rest so you do end up better off. 

Corbula

poppy12345 said:

Corbula said:

We've been using some of the calculators, it looks like she will be about £70 a week worse off moving from income ESA to UC 😢.

Would she be able to get the new style ESA along side UC? How can I calculate this as it doesn't seem to mention it on the entiledto calculator? 

In a previous comment you said you have more than £16,000 in savings, if this is correct then you will both be excluded from claiming UC. 

She won’t be able to claim New Style ESA because she hasn’t worked in the previous 2 tax years, what has been advised previously.

I do currently but I won't have soon once I've sorted my SIPP out and spent some of it. 

She hasn't worked however the way her other benefits work means she has been getting National Insurance contributions, which this should entitle her to the new style ESA as well?