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

poppy12345

Corbula said:

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? 

Putting your money into a SIPP this way and then claiming means tested benefits could be seen as deprivation of capital. This could mean that you're still classed as having the money and be refused UC.

Claiming benefits in the past 2 tax years will not qualify her for New style ESA, this has previously been advised here.

Corbula

poppy12345 said:

Corbula said:

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? 

Putting your money into a SIPP this way and then claiming means tested benefits could be seen as deprivation of capital. This could mean that you're still classed as having the money and be refused UC.

Claiming benefits in the past 2 tax years will not qualify her for New style ESA, this has previously been advised here.

I'm aware and worried about that however I will do it and then leave it a few months before we do anything as I know they will require 2 months of my bank statements. Other than that we really don't have much choice otherwise she will be a lot worse off to the point she won't have enough to look after people. 

The gov website makes it sound like as long as you've had as long as you've been credited with national insurance contributions that qualifies you for it. 

lisyloo

Do allow time for your SIPP payment.
When I recently started up a new arrangement there were tax, advice and anti money laundering checks which all took time.
you may well trigger AML checks on a large lump sum.

Corbula

lisyloo said:

Do allow time for your SIPP payment.
When I recently started up a new arrangement there were tax, advice and anti money laundering checks which all took time.
you may well trigger AML checks on a large lump sum.

I can allow as much time as needed, I hadn't thought about AML checks though, will that affect anything or just time? 

lisyloo

Corbula said:

lisyloo said:

Do allow time for your SIPP payment.
When I recently started up a new arrangement there were tax, advice and anti money laundering checks which all took time.
you may well trigger AML checks on a large lump sum.

I can allow as much time as needed, I hadn't thought about AML checks though, will that affect anything or just time? 

I don’t think it will affect anything benefits wise, it just takes time.
there are obligations to perform such checks theses days.
i started a new arrangement recently and because my employer was a small company they had to do AML checks on all of the controlling directors as individuals.

calcotti

Corbula said: The gov website makes it sound like as long as you've had as long as you've been credited with national insurance contributions that qualifies you for it. 

You cannot claim new style ESA based on NI credits alone.

This sets it out quite well
Employment and Support Allowance (contribution-based) - Entitledto
If she is getting Carer's Allowance and the relaxation of condition 1 applies then it may be possible (sorry, haven't got the energy to read through the whole thread to remind myself of your circumstances).

poppy12345

Corbula said:

poppy12345 said:

Corbula said:

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? 

Putting your money into a SIPP this way and then claiming means tested benefits could be seen as deprivation of capital. This could mean that you're still classed as having the money and be refused UC.

Claiming benefits in the past 2 tax years will not qualify her for New style ESA, this has previously been advised here. 

The gov website makes it sound like as long as you've had as long as you've been credited with national insurance contributions that qualifies you for it. 

There’s 2 conditions to qualify and that’s part of it. The other condition is you must have worked in the previous 2 tax years. 

Regardless of that, even if she could claim it because she claims carers allowance, this is classed as an overlapping benefits when claiming New style ESA. This means she can’t be paid both. This was all advised in a previous comment.

Corbula

lisyloo said:

Corbula said:

lisyloo said:

Do allow time for your SIPP payment.
When I recently started up a new arrangement there were tax, advice and anti money laundering checks which all took time.
you may well trigger AML checks on a large lump sum.

I can allow as much time as needed, I hadn't thought about AML checks though, will that affect anything or just time? 

I don’t think it will affect anything benefits wise, it just takes time.
there are obligations to perform such checks theses days.
i started a new arrangement recently and because my employer was a small company they had to do AML checks on all of the controlling directors as individuals.

We're just trying to find the best way forward as it's causing a great deal of worry for her losing a lot of money to pay her bills and support other people. 

marcia_

Corbula said:

lisyloo said:

Corbula said:

lisyloo said:

Do allow time for your SIPP payment.
When I recently started up a new arrangement there were tax, advice and anti money laundering checks which all took time.
you may well trigger AML checks on a large lump sum.

I can allow as much time as needed, I hadn't thought about AML checks though, will that affect anything or just time? 

I don’t think it will affect anything benefits wise, it just takes time.
there are obligations to perform such checks theses days.
i started a new arrangement recently and because my employer was a small company they had to do AML checks on all of the controlling directors as individuals.

We're just trying to find the best way forward as it's causing a great deal of worry for her losing a lot of money to pay her bills and support other people. 

 If you are moving in together you will
Only be paying one lot of bills rather than individually 

Spoonie_Turtle

marcia_ said:

Corbula said:

lisyloo said:

Corbula said:

lisyloo said:

Do allow time for your SIPP payment.
When I recently started up a new arrangement there were tax, advice and anti money laundering checks which all took time.
you may well trigger AML checks on a large lump sum.

I can allow as much time as needed, I hadn't thought about AML checks though, will that affect anything or just time? 

I don’t think it will affect anything benefits wise, it just takes time.
there are obligations to perform such checks theses days.
i started a new arrangement recently and because my employer was a small company they had to do AML checks on all of the controlling directors as individuals.

We're just trying to find the best way forward as it's causing a great deal of worry for her losing a lot of money to pay her bills and support other people. 

 If you are moving in together you will
Only be paying one lot of bills rather than individually 

Indeed, this is exactly why the couple amounts for means-tested benefits aren't simply a doubling of the single amounts.