Universal credit housing element

poppy12345

xxxxxxxx said:

OP Jemima  

If I am to get your answer, I will need your salary and take home figures to include listed deductions from gross.  

And your UC award rate inc all elements inc the reason for the Work Allowance.

I think you've misunderstood the OP, they said.

jemima72 said:

Thank you but I know how much we should be getting etc, all I am wondering is if there is any rule saying you have to claim the housing element if it means you are worse off than not. 

xxxxxxxx

Jemima would be £7.10 per month better off ...if this is allowed.. right?

xxxxxxxx

calcotti said:

xxxxxxxx said:

So people who own their homes get more benefit, how interesting. 

No they don’t because they are not getting help with rent. 

I was not including the rent they get in my calcs. I was treating the rent as a sort of universal entitlement that should not be compared IYSWIM because a homeowner does not have that cost.  Yes, the renter gets more overall benefit if you include the rent.

On the other hand a home owner has maintenance and insurance costs, this is worth £122.10 per month for a working claimant  that is a nice little bonus.  

calcotti

xxxxxxxx said:

Jemima would be £7.10 per month better off ...if this is allowed.. right?

I made it £10.95, either way it’s not a life changing amount.

calcotti

xxxxxxxx said: On the other hand a home owner has maintenance and insurance costs, this is worth £122.10 per month for a working claimant  that is a nice little bonus.  

And in many cases, possibly most, will have a mortgage to pay.

xxxxxxxx

Yes you're right I must have been using last years rates  
https://www.understandinguniversalcredit.gov.uk/new-to-universal-credit/universal-credit-and-work/

jemima72

calcotti said:

xxxxxxxx said:

Jemima would be £7.10 per month better off ...if this is allowed.. right?

I made it £10.95, either way it’s not a life changing amount.

This month was around £26 more than if they had included housing, not a huge amount but when money is tight I'd rather know if I can keep it or if I will owe it back. 

xxxxxxxx

jemima72 said:

calcotti said:

xxxxxxxx said:

Jemima would be £7.10 per month better off ...if this is allowed.. right?

I made it £10.95, either way it’s not a life changing amount.

This month was around £26 more than if they had included housing, not a huge amount but when money is tight I'd rather know if I can keep it or if I will owe it back. 

I don't see how.
WA £573 - £344  = £229  

£229 * 0.55 = 125.95 

rent is £115 

the difference is £10.95  

I will get you an answer if you give me the info I need.

jemima72

xxxxxxxx said:

jemima72 said:

calcotti said:

xxxxxxxx said:

Jemima would be £7.10 per month better off ...if this is allowed.. right?

I made it £10.95, either way it’s not a life changing amount.

This month was around £26 more than if they had included housing, not a huge amount but when money is tight I'd rather know if I can keep it or if I will owe it back. 

I don't see how.
WA £573 - £344  = £229  

£229 * 0.55 = 125.95 

rent is £115 

the difference is £10.95  

I will get you an answer if you give me the info I need.

Because I calculated how much we are entitled to if the housing element is included and compared it to how much is on our statement without the housing element included. Like I said before, all I want to know is if there any rules on whether you have to have the housing element.

xxxxxxxx

If the housing element is included you would have £10.95  per month less than you have without it being included  assuming take home earnings are £573 or more.    

If take home earnings are less than £573  then it will be a larger difference. From your figure of £26 his take home was around £505   ?  if my sums are right   

Give me the details and I will get you an answer, those are my terms.