Gifted Property Whilst On PIP and Support Group ESA

muldesia

Spoonie_Turtle said:

muldesia said:

elsien said:

You also need to consider the ongoing service charges, maintenance, costs et cetera and whether he will be able to afford this from benefits.
He will then have the issue that if he can’t manage to live on his own, and the flat is in his name, it will count as an asset for benefits purposes if he has to then live somewhere  somewhere else. That money could then have to be used for him to live on until it gets down to the benefits thresholds. 

If there is a reasonable amount of doubt about his ability to manage, I do think he should seriously consider renting first if he is able to find a property that will accept him. 

This would seem to be a case of hope for the best but plan for the other scenarios as well. 

That's a very good point.  There's not a lot of money to go around, so not sure how feasible it is to pay out rent for a while - his PIP and ESA benefits certainly wouldn't allow him to afford it

But I take on board what you say about how if he moves away from the place he's bought, perhaps back with my mum, that property will now be viewed as an asset my brother holds, and that could affect his benefits.  Do you know if that situation would affect either PIP or ESA?

Many thanks for the help!

Depends on what type of ESA he claims.

Forget PIP, it's not affected by anything financial at all.

This is a 'Support Group' ESA.  There's no expectation that he'll be able to work in the future.

Do you know if that type of ESA would be affected should he move back with my mum, and has that property in his name?

Many thanks!

HillStreetBlues

muldesia said:

Spoonie_Turtle said:

muldesia said:

elsien said:

You also need to consider the ongoing service charges, maintenance, costs et cetera and whether he will be able to afford this from benefits.
He will then have the issue that if he can’t manage to live on his own, and the flat is in his name, it will count as an asset for benefits purposes if he has to then live somewhere  somewhere else. That money could then have to be used for him to live on until it gets down to the benefits thresholds. 

If there is a reasonable amount of doubt about his ability to manage, I do think he should seriously consider renting first if he is able to find a property that will accept him. 

This would seem to be a case of hope for the best but plan for the other scenarios as well. 

That's a very good point.  There's not a lot of money to go around, so not sure how feasible it is to pay out rent for a while - his PIP and ESA benefits certainly wouldn't allow him to afford it

But I take on board what you say about how if he moves away from the place he's bought, perhaps back with my mum, that property will now be viewed as an asset my brother holds, and that could affect his benefits.  Do you know if that situation would affect either PIP or ESA?

Many thanks for the help!

Depends on what type of ESA he claims.

Forget PIP, it's not affected by anything financial at all.

This is a 'Support Group' ESA.  There's no expectation that he'll be able to work in the future.

Do you know if that type of ESA would be affected should he move back with my mum, and has that property in his name?

Many thanks!

Has your bother ever worked before claiming ESA?

muldesia

HillStreetBlues said:

muldesia said:

Spoonie_Turtle said:

muldesia said:

elsien said:

You also need to consider the ongoing service charges, maintenance, costs et cetera and whether he will be able to afford this from benefits.
He will then have the issue that if he can’t manage to live on his own, and the flat is in his name, it will count as an asset for benefits purposes if he has to then live somewhere  somewhere else. That money could then have to be used for him to live on until it gets down to the benefits thresholds. 

If there is a reasonable amount of doubt about his ability to manage, I do think he should seriously consider renting first if he is able to find a property that will accept him. 

This would seem to be a case of hope for the best but plan for the other scenarios as well. 

That's a very good point.  There's not a lot of money to go around, so not sure how feasible it is to pay out rent for a while - his PIP and ESA benefits certainly wouldn't allow him to afford it

But I take on board what you say about how if he moves away from the place he's bought, perhaps back with my mum, that property will now be viewed as an asset my brother holds, and that could affect his benefits.  Do you know if that situation would affect either PIP or ESA?

Many thanks for the help!

Depends on what type of ESA he claims.

Forget PIP, it's not affected by anything financial at all.

This is a 'Support Group' ESA.  There's no expectation that he'll be able to work in the future.

Do you know if that type of ESA would be affected should he move back with my mum, and has that property in his name?

Many thanks!

Has your bother ever worked before claiming ESA?

Yes, about 20 years ago for a year or so I think.  I can find out.  Does this make a difference then?

Thanks

elsien

muldesia said:

elsien said:

You also need to consider the ongoing service charges, maintenance, costs et cetera and whether he will be able to afford this from benefits.
He will then have the issue that if he can’t manage to live on his own, and the flat is in his name, it will count as an asset for benefits purposes if he has to then live somewhere  somewhere else. That money could then have to be used for him to live on until it gets down to the benefits thresholds. 

If there is a reasonable amount of doubt about his ability to manage, I do think he should seriously consider renting first if he is able to find a property that will accept him. 

This would seem to be a case of hope for the best but plan for the other scenarios as well. 

That's a very good point.  There's not a lot of money to go around, so not sure how feasible it is to pay out rent for a while - his PIP and ESA benefits certainly wouldn't allow him to afford it

But I take on board what you say about how if he moves away from the place he's bought, perhaps back with my mum, that property will now be viewed as an asset my brother holds, and that could affect his benefits.  Do you know if that situation would affect either PIP or ESA?

Many thanks for the help!

Housing benefit or housing element of UC, depending on his circumstances.
There might be the possibility of some sort of trust to protect any property bought for him which I know little about and which you would need to get proper legal advice about.

muldesia

elsien said:

muldesia said:

elsien said:

You also need to consider the ongoing service charges, maintenance, costs et cetera and whether he will be able to afford this from benefits.
He will then have the issue that if he can’t manage to live on his own, and the flat is in his name, it will count as an asset for benefits purposes if he has to then live somewhere  somewhere else. That money could then have to be used for him to live on until it gets down to the benefits thresholds. 

If there is a reasonable amount of doubt about his ability to manage, I do think he should seriously consider renting first if he is able to find a property that will accept him. 

This would seem to be a case of hope for the best but plan for the other scenarios as well. 

That's a very good point.  There's not a lot of money to go around, so not sure how feasible it is to pay out rent for a while - his PIP and ESA benefits certainly wouldn't allow him to afford it

But I take on board what you say about how if he moves away from the place he's bought, perhaps back with my mum, that property will now be viewed as an asset my brother holds, and that could affect his benefits.  Do you know if that situation would affect either PIP or ESA?

Many thanks for the help!

Housing benefit or housing element of UC, depending on his circumstances.
There might be the possibility of some sort of trust to protect any property bought for him which I know little about and which you would need to get proper legal advice about.

Thanks, I didn't realise that you could claim for the housing element of Universal Credit for private rent.  I thought he'd have to be on a waiting list for years (especially as a single male without children) before getting assistance from the state.  We'll have to investigate this more.

elsien

This will give you an idea as to amounts however be aware that a lot of landlords aren't keen on people on benefits - he will need a deposit (worth talking to your local housing department about) and they might also want a guarantor. LHA rates can be below market rents and require him to top up out of his other benefits. 
Search for Local Housing Allowance rates by postcode or local authority : DirectGov - LHA Rates (voa.gov.uk)

What support does he get from the local mental health teams?

muldesia

elsien said:

This will give you an idea as to amounts however be aware that a lot of landlords aren't keen on people on benefits - he will need a deposit (worth talking to your local housing department about) and they might also want a guarantor. LHA rates can be below market rents and require him to top up out of his other benefits. 
Search for Local Housing Allowance rates by postcode or local authority : DirectGov - LHA Rates (voa.gov.uk)

What support does he get from the local mental health teams?

elsien said:

This will give you an idea as to amounts however be aware that a lot of landlords aren't keen on people on benefits - he will need a deposit (worth talking to your local housing department about) and they might also want a guarantor. LHA rates can be below market rents and require him to top up out of his other benefits. 
Search for Local Housing Allowance rates by postcode or local authority : DirectGov - LHA Rates (voa.gov.uk)

What support does he get from the local mental health teams?

None, should he get support from local teams then?  Is this something the GP would be responsible for?

I don't actually live with them myself, so I'm just trying to get my head around all this since our father recently passed away and we're now trying to sort out long term plans for him.

HillStreetBlues

muldesia said:

HillStreetBlues said:

muldesia said:

Spoonie_Turtle said:

muldesia said:

elsien said:

You also need to consider the ongoing service charges, maintenance, costs et cetera and whether he will be able to afford this from benefits.
He will then have the issue that if he can’t manage to live on his own, and the flat is in his name, it will count as an asset for benefits purposes if he has to then live somewhere  somewhere else. That money could then have to be used for him to live on until it gets down to the benefits thresholds. 

If there is a reasonable amount of doubt about his ability to manage, I do think he should seriously consider renting first if he is able to find a property that will accept him. 

This would seem to be a case of hope for the best but plan for the other scenarios as well. 

That's a very good point.  There's not a lot of money to go around, so not sure how feasible it is to pay out rent for a while - his PIP and ESA benefits certainly wouldn't allow him to afford it

But I take on board what you say about how if he moves away from the place he's bought, perhaps back with my mum, that property will now be viewed as an asset my brother holds, and that could affect his benefits.  Do you know if that situation would affect either PIP or ESA?

Many thanks for the help!

Depends on what type of ESA he claims.

Forget PIP, it's not affected by anything financial at all.

This is a 'Support Group' ESA.  There's no expectation that he'll be able to work in the future.

Do you know if that type of ESA would be affected should he move back with my mum, and has that property in his name?

Many thanks!

Has your bother ever worked before claiming ESA?

Yes, about 20 years ago for a year or so I think.  I can find out.  Does this make a difference then?

Thanks

Being in the Support Group isn't a guide to if it's income based or not.
It sounds more than likely it he will be income based.

Spoonie_Turtle

muldesia said:

Spoonie_Turtle said:

muldesia said:

elsien said:

You also need to consider the ongoing service charges, maintenance, costs et cetera and whether he will be able to afford this from benefits.
He will then have the issue that if he can’t manage to live on his own, and the flat is in his name, it will count as an asset for benefits purposes if he has to then live somewhere  somewhere else. That money could then have to be used for him to live on until it gets down to the benefits thresholds. 

If there is a reasonable amount of doubt about his ability to manage, I do think he should seriously consider renting first if he is able to find a property that will accept him. 

This would seem to be a case of hope for the best but plan for the other scenarios as well. 

That's a very good point.  There's not a lot of money to go around, so not sure how feasible it is to pay out rent for a while - his PIP and ESA benefits certainly wouldn't allow him to afford it

But I take on board what you say about how if he moves away from the place he's bought, perhaps back with my mum, that property will now be viewed as an asset my brother holds, and that could affect his benefits.  Do you know if that situation would affect either PIP or ESA?

Many thanks for the help!

Depends on what type of ESA he claims.

Forget PIP, it's not affected by anything financial at all.

This is a 'Support Group' ESA.  There's no expectation that he'll be able to work in the future.

Do you know if that type of ESA would be affected should he move back with my mum, and has that property in his name?

Many thanks!

That's not a type of ESA (although understandable that you wouldn't know that!). 

The type is whether it's new-style, income-based, the old contributions-based, or a mix of income and contributions-based.  When did he start his ESA claim, what year?

elsien

muldesia said:

elsien said:

This will give you an idea as to amounts however be aware that a lot of landlords aren't keen on people on benefits - he will need a deposit (worth talking to your local housing department about) and they might also want a guarantor. LHA rates can be below market rents and require him to top up out of his other benefits. 
Search for Local Housing Allowance rates by postcode or local authority : DirectGov - LHA Rates (voa.gov.uk)

What support does he get from the local mental health teams?

elsien said:

This will give you an idea as to amounts however be aware that a lot of landlords aren't keen on people on benefits - he will need a deposit (worth talking to your local housing department about) and they might also want a guarantor. LHA rates can be below market rents and require him to top up out of his other benefits. 
Search for Local Housing Allowance rates by postcode or local authority : DirectGov - LHA Rates (voa.gov.uk)

What support does he get from the local mental health teams?

None, should he get support from local teams then?  Is this something the GP would be responsible for?

I don't actually live with them myself, so I'm just trying to get my head around all this since our father recently passed away and we're now trying to sort out long term plans for him.

Any referral to the mental health team would be via the GP, but realistically speaking because they are so hugely overstretched and prioritising those in high need, if he’s stable and doesn’t have any obvious new areas of support around his mental health then he is unlikely to be accepted by them.