ESA, savings & partner

poppy12345

Deleted_User said:

Alice_Holt said:

Have you declared to UC that you are a couple?

Can you give us details of your joint monthly UC payments page from your UC journal?

What rental income do you receive?

I get £333 and she gets £854,  my amount is deducted from her initial amount and paid to me.  I receive £530 rental

You should be claiming UC as a couple and your ESA should have been deducted in full from your UC. You said here that your ESA was being deducted from hers

Deleted_User said:

My esa is deducted from hers,

Which isn't correct because she's not claiming ESA.

UC and your rental property was mentioned in your previous thread but you didn't mention anywhere in that thread that you're claiming UC.

Who lives in the rental property, are you related to them? Is it just one property you own?

In another thread back in July, you said you had savings of £14,000 did you report that to UC if you still have those savings. Thread here https://forums.moneysavingexpert.com/discussion/6374815/best-savings-account-with-quick-access#latest

calcotti

OP can you show a complete breakdown of her UC payment statement.

elsien

Were you living together in July when you had 14K in savings and have you declared that, your rental income and that you own a property that you’re not living in?
If not, you are setting yourself up for a world of pain. 

calcotti

Deleted_User said:?. my amount is deducted from her initial amount 

None of this was mentioned in your other thread about your ESA ending and your concern about what you will receive when that happens. 

https://forums.moneysavingexpert.com/discussion/6408185/income-esa/p1

If your ESA is being deducted from her UC (which it now appears is what she is getting) then when the ESA stops so will the deductions so the UC will go up and your joint income will be unchanged.

in the last thread you asked about how your rental property affected your ESA, you don’t appear to have considered how it affects the entitlement UC.

poppy12345

In a previous thread you were concerned about what money you would be receiving when your ESA ends. Yet you have a property which you don't live in, you're receiving over £500 rent per month, UC with your partner and potential savings of more than £10,000.

[Deleted User]

Your payment this month is£854This will be paid by 8pm on 2 December 2022

What you're entitled to

Standard allowance

£525.72

You get a standard amount each month. You said you're in a couple

Housing

£308.34

Need help understanding your housing?

You said per month the total rent for your property is £358.54.

You will have to pay your housing costs to your landlord.

Monthly, we can pay you £308.34 towards your housing costs. We cannot pay the full amount you told us about because:

based on your household, we have decided you have 1 spare bedroom

-£50.20

Limited capability for work and work-related activity

£354.28

You said your health affects you at work or prevents you from working

Total entitlement before deductions

£1,188.34

What we take off (deductions)

Other benefits

We take money off your payment

As this is an average of other benefits that you're continuing to claim

Stephen Cas

Employment and Support Allowanceminus‑ £333.67

Total deductions

minus‑ £333.67

Your total payment for this month is

£854.67

poppy12345

So that confirms you are claiming UC as a couple. You need to report that you have a property because if you don't then they will find out and your situation will become so much worse. Any overpayment will need to be repaid back.

calcotti

So that shows that you are correctly claiming UC as a couple. There is no Housing Benefit (help with rent is part of UC) and that she does not get ESA. As mentioned above, when your ESA stops, the ESA deduction will stop and the UC will increase so no overall change in your joint income.

However, if you have more than £16,000 of equity in the rental property there is no entitlement to UC unless you are renting to a close relative with Limited Capability for Work or who is of pension age in which case the property can be disregarded.

[Deleted User]

calcotti said:

So that shows that you are correctly claiming UC as a couple. There is no Housing Benefit (help with rent is part of UC) and that she does not get ESA. As mentioned above, when your ESA stops, the ESA deduction will stop and the UC will increase so no overall change in your joint income.

However, if you have more than £16,000 of equity in the rental property there is no entitlement to UC unless you are renting to a close relative with Limited Capability for Work or who is of pension age in which case the property can be disregarded.

If I withdraw my claim to any benefit apart from PIP would that stop her UC claim including help with rent etc

Spoonie_Turtle

Deleted_User said:

calcotti said:

So that shows that you are correctly claiming UC as a couple. There is no Housing Benefit (help with rent is part of UC) and that she does not get ESA. As mentioned above, when your ESA stops, the ESA deduction will stop and the UC will increase so no overall change in your joint income.

However, if you have more than £16,000 of equity in the rental property there is no entitlement to UC unless you are renting to a close relative with Limited Capability for Work or who is of pension age in which case the property can be disregarded.

If I withdraw my claim to any benefit apart from PIP would that stop her UC claim including help with rent etc

She cannot claim means-tested benefits (in this case UC) as a single person while you are living together.