Just moved from Tax Credit to UC, self employed

kimi1977

Oh dear UC . The synic in me thinks this is a ploy to kill off self employment as a form of employment, bit harsh but I hope I've got this wrong 

So I recently received £120 week tax credit, with disability element 

Income of around £750 month after expenses 

Initial meetings with work coach/UC is still foggy they don't seem to know either ,I have been told there is a 6 months safety net period for cross over but no one seems to know 
I understand £368 is my allowed UC amount so immediately that's a £100 loss, then I'm told 0.55 in pound of 750 wipes out my UC , so that's a 100% loss.  

Am I right in thinking I will still get the same as TC for 6 months then MIF and zero 
Or even more concerning I immediately get zero.  

huckster

It is 12 months, not 6 months.

In theory UC should not leave you worse off for 12 months, but it is more complicated, as UC is very different to TC.  Once you have had your first UC statement, if you are still concerned, come back to this thread. Post up details of the UC statement and details of last TC award.

You mentioned disability. Who has the disability ?

kimi1977

Many thanks Huckster

I received the disability element of WTC for crohns disease and depression which I take medication for. 

I thought it was 12 months too but the job centre woman said it was 6 months, should get first UC statement around 29th April - I did apply for advance of £368  which they have paid yesterday as I would be without WTC for 5 weeks.

huckster

If your health affect capability for work, then you should get a fit note from your GP and report this on your UC claim. And you do this by clicking on report a change of circumstances and completing the health section where you add the condition your GP has noted on the fit note as well as the start date/end date, GP details.  And you need to keep obtaining and reporting fit notes until you have had a Work Capability Assessment (WCA)

The WCA is to find out whether you would be entitled to a health/disability related amount under the UC claim.

Health conditions, disability and Universal Credit: Report your health condition or disability - GOV.UK (www.gov.uk)

kimi1977

Thanks they didn't tell me that . I do see GP regular basis, so will get a note 

kimi1977

Sorry I'm still confused about the move from WC to UC, using the online calculator , based on the same income,  I'm dreading losting £420 a month

The 6 month or 12 month cover that is put in place does that keep it at the old level or does nothing at all.     makes no sense to me

tacpot12

You also need to be aware that you will have a Work Allowance, IF you have a limited capability for work due to disability. This Work Allowance will allow you to keep alot more of your self-employed income. (You would only lose 55p in the pound of any money in excess of your Work Allowance). 

You haven't said whether you are getting help with your rent from UC. This will determine the amount of Work Allowance you will have, if you have a limited capability for work.

peteuk

First thing to remember is a calculator wont take into account any transition protection you may have.

UC is built up of different parts so double check your inputted values, check your breakdown if it gives one.  Use another calculator to check/compare the results.  

Look at your deductions…

kimi1977

I rent a place my parents own , so they won't allow it.  It's classed as living with family when I live alone 

kimi1977

peteuk said:

First thing to remember is a calculator wont take into account any transition protection you may have.

UC is built up of different parts so double check your inputted values, check your breakdown if it gives one.  Use another calculator to check/compare the results.  

Look at your deductions…

Thanks Pete,  the transition protection is the part I don't understand 

For example is the protection keeping it the same value or is it just foggy speak and the 55p in £1 limit applies even with protection cover 

huckster

You will have to wait until first UC statement is issued.

Nobody on here can offer you 100% reassurance that the UC payments will not be less than your TC awards.