ESA Support group

drmqn442

Hi
New here well not been here for a long time hope some kind person can just give me a little bit of informations. I am on DLA And ESA Support group I don’t have to look for work. I have come into some money after my mum passed away few weeks ago only just found out what she has left me. Now this money is to pay off my mortgage as I don’t or cannot keep up a full time job no more. All I want to do is pay the mortgage off and I will have a bit left over not a lot. What I want to ask will I loose my ESA or will I be able to keep it even when I paid the mortgage off. Once I paid it I will be back to where I am now no real savings because what is left I need work done on our house so all the money is going onto the house. My husband works full time I am not on my own. If I do loose my ESA can I reply for it again?
Thanks in advance 
lynn

Alice_Holt

If your ESA is contributions-based then it is not affected.

If your ESA is income-based then it will be affected by the inheritance.


Look at your ESA letters or phone them to establish this.


Since you are married and your husband is earning, it may likely be contribution-based.

When was the ESA first paid, and how much do you receive a week?

poppy12345

drmqn442 said:

My husband works full time I am not on my own.

This ^^ I would be very surprised if any of your ESA is Income Related because of your husband working full time, there would be no entitlement to Income Related ESA.

Just to be sure, if there's no deducts from your ESA then Support Group amount is £129.50/week. If this is what you receive then it will be contributions based/New style. These are not means tested. 

murphyslaw2020

The OP will be a beneficiary of Contribution Based Esa because she will have worked and paid National Insurance for the years before illness/disability. I'm the same you can spend or save your money any way you wish.

Alice_Holt

murphyslaw2020 said:

The OP will be a beneficiary of Contribution Based Esa because she will have worked and paid National Insurance for the years before illness/disability. 

       You can't assume that.

      The NI contributions that count in determining ESA eligibility are the contributions in the 2 previous tax years, only.
Unfortunately all other prior years of NI contributions do not count - see
https://www.entitledto.co.uk/help/employment-and-support-allowance-contribution-based

Quite a few people fall foul of this rule, and only (too late and unsuccessfully) apply for ESA after their savings start to fall and when they now haven't got the required NI contributions record in the 2 previous tax years.
They may have indeed paid NI for many "years before illness/disability", but find themselves no longer eligible due to their delay in applying.