Managed migration

Auti

Hello. I have just got a letter to say I need to move from child tax credits to UC and I am confused and worried. I also get Contribution based ESA and a small private pension as had to have ill health retirement. I also have child as I am a special guardian to them. It is all confusing (I am autistic) and I am worried - I get PIP too and dont have to look for work. Thank you

Rubyroobs

On a Uc claim if you are in the support group of ESA then that should carry over to Uc and you will have the LCWRA ( Limited capability for work ) element on your claim. Your contributions based ESA will continue to be paid fortnightly but deducted in full from your monthly UC at an averaged monthly rate. you will also get standard element for yourself and child elements and a rent element if you pay rent. Private pension comes of UC in full. If you receive guardians allowance, I'm sorry I'm not sure how this is counted for UC or whether it affects child element for that child.

calcotti

I think Guardian’s Allowance is ignored.

If your UC entitlement would normally be less than your existing benefits a transitional element will be added to made your UC start with the same amount.

If you have capital above £16,000 the UC will end after 12 months.

Auti

Thank you. I have including all money about 3000 but depends when bills paid. My child has a building society ac where he is saving pocket money about 500 and i have a separate one in trust for him with about 800 in - both have been saved over years so not sudden . I dont know if they add his to my money - both of his are in trust as he is not old enough (under 10). I want him to save his pocket money if he chooses and would like to put a small amount away each month in his account so he can choose to use it to help his education. He is gifted mathematically but wont be able to if his money is classed as my savings  - it is so confusing and soon til I am getting SP which is even more financially scary.

calcotti

The child’s savings do not count to you (unless you are the person put the money in).

You say that you will soon reach SP, if you will still be caring for your child extra money will be included in your potential entitlement for Pension Credit.

Auti

calcotti said:

The child’s savings do not count to you (unless you are the person put the money in).

You say that you will soon reach SP, if you will still be caring for your child extra money will be included in your potential entitlement for Pension Credit.

Thank you. I thought I left reply but it has not shown up so sorry if it ends up being 2 responses. I am grandparent and you it is me who gives him pocket money that he saves in his building society account that I hold in trust for him. He has the book and it is his to do as he wants - it also has birthday/xmas money in from other people. The account he does not know about, also held in trust for him by me) is the result of years of £20 a month put in by me. I suppose this means it is counted as mine but now confused about if child withdraws money from his *pocket money* account does that mean I am depriving myself of money - how can I tell him saving is good? It would stop me from putting in £20 a month for him (or less) to help him with his education/future - he is mathematically gifted. I am grandparent. 

Thank you for saying re SP that has made it less worrying as I could not see how I could manage just on SP and small work pension. It may be different though because it will be the larger SP not the one from a couple of years ago.

Thank you for your help - it is scary and I get confused with sorting things out.

Spoonie_Turtle

For UC, savings don't matter until £6,000.  With the current amounts in his accounts and it not being all that long until you're pension age, they most likely won't be a problem.

Auti said:

calcotti said:

The child’s savings do not count to you (unless you are the person put the money in).

You say that you will soon reach SP, if you will still be caring for your child extra money will be included in your potential entitlement for Pension Credit.

 I am grandparent and you it is me who gives him pocket money that he saves in his building society account that I hold in trust for him. He has the book and it is his to do as he wants - it also has birthday/xmas money in from other people. The account he does not know about, also held in trust for him by me) is the result of years of £20 a month put in by me. I suppose this means it is counted as mine but now confused about if child withdraws money from his *pocket money* account does that mean I am depriving myself of money - how can I tell him saving is good? It would stop me from putting in £20 a month for him (or less) to help him with his education/future - he is mathematically gifted. I am grandparent. 

Deprivation is only an issue if you are depriving yourself of savings over £6,000 - or if there were income you should be receiving but you choose not to, such as … I don't actually know, but maybe something like if you were working overtime and choosing not to be paid.  (I don't know if that's even possible, but it would only apply to something that clear-cut.)

They don't care what you do with the income you actually receive; you could technically give any left over after living expenses all to charity to stop any savings building up and it wouldn't matter for UC purposes. 
So you giving your grandson pocket money/an allowance is absolutely fine

calcotti

Auti said:. 

Thank you for saying re SP that has made it less worrying as I could not see how I could manage just on SP and small work pension. It may be different though because it will be the larger SP not the one from a couple of years ago.

You could get a State Pension forecast, what you might get depends on your past history.

https://www.gov.uk/future-pension-centre

You could also try a benefit calculator to see what the Pension Credit might me.

Auti

calcotti said:

Auti said:. 

Thank you for saying re SP that has made it less worrying as I could not see how I could manage just on SP and small work pension. It may be different though because it will be the larger SP not the one from a couple of years ago.

You could get a State Pension forecast, what you might get depends on your past history.

https://www.gov.uk/future-pension-centre

You could also try a benefit calculator to see what the Pension Credit might me.

Hello. Yes I have done that and it says I have a full pension forecast which is why I thought I would not get pension credit as it was for people who did not get the full current pension but so glad to hear I can add my child to the pension claim (pension credit). Thank you for your help.

calcotti

Auti said:

calcotti said:

Auti said:. 

Thank you for saying re SP that has made it less worrying as I could not see how I could manage just on SP and small work pension. It may be different though because it will be the larger SP not the one from a couple of years ago.

You could get a State Pension forecast, what you might get depends on your past history.

https://www.gov.uk/future-pension-centre

You could also try a benefit calculator to see what the Pension Credit might me.

Hello. Yes I have done that and it says I have a full pension forecast which is why I thought I would not get pension credit as it was for people who did not get the full current pension but so glad to hear I can add my child to the pension claim (pension credit). Thank you for your help.

To be clear - the child will increase the Pension Credit maximum entitlement (if no other income). It is not does mean that you are necessarily entitlement to receive Pension Credit which would then into account on income.

However I infer your SP is going to be  paying more than your ESA.

If you get a SDP in your ESA then the PC would also include an SDP in the PC calculation.

Auti

Hello, I have now another problem I hope you can help with regards money. I shop at asda and have/get *pounds not points* for shopping - only have £10 but sometimes it might be a little more - is this classed as savings? Also I pay gas and electric monthly dd so some months I have a surplus to cover higher use in winter - is this classed as savings? This is so so confusing! Child tax credits is/was so much easier to understand/answer questions. Also money in my purse also needs to be declared too but all theses things keep changing every day and i get paid different benefits on different days so bank amount goes up and down. I am sorry but this is scaring me as I do not want to get into trouble and with it all on line there is no one to help me.