Just Curious....if you are on benefits and receiving Housing Benefit ??

Mustbeananswer??

Does that carry through to your State Pension.

I'm not asking for me as I purchased my place outright Just before my 66th Birthday.

I'm wondering now if I have done the right thing ???

p00hsticks

Probably a question better off asked over on the benefits board
Benefits & tax credits — MoneySavingExpert Forum

I'm not an expert but I think that for new working age claimants these days an housing element of Universal Credit has  replaced Housing benefit. Housing benefit is still available for those over state pension age, but I don't know if you'd have to submit a new claim once you reach State Pension age if you are already in receipt of it. 

Marcon

Mustbeananswer?? said:

Does that carry through to your State Pension.

I'm not asking for me as I purchased my place outright Just before my 66th Birthday.

I'm wondering now if I have done the right thing ???

So you are asking for you?? 

badmemory

Yes you have done the right thing, well I think so anyway.  How do you know if & how legislation will change in the future?  Would you like to receive a section 21 eviction notice in your 80s?  You have secured your future, that is the best most of us can do.

Mustbeananswer??

Marcon
I was just musing to be honest.Some of the rents (and consequently the Housing Benefit|) must be huge.I bought a modest one bedroom house up North thats all...but it wiped me out finacially.  

Mustbeananswer??

badmemory said:

Yes you have done the right thing, well I think so anyway.  How do you know if & how legislation will change in the future?  Would you like to receive a section 21 eviction notice in your 80s?  You have secured your future, that is the best most of us can do.

Thanks for your positivity badmemory.....I would sort of like to die here if youi know what I mean ????

Sarahspangles

Mustbeananswer?? said:

Marcon
I was just musing to be honest.Some of the rents (and consequently the Housing Benefit|) must be huge.I bought a modest one bedroom house up North thats all...but it wiped me out finacially.  

But in return you have a house. Someone with capital would be required to spend most of it on rent before they qualify for housing benefit, and it’s capped.

Mustbeananswer??

Sarahspangles said:

Mustbeananswer?? said:

Marcon
I was just musing to be honest.Some of the rents (and consequently the Housing Benefit|) must be huge.I bought a modest one bedroom house up North thats all...but it wiped me out finacially.  

But in return you have a house. Someone with capital would be required to spend most of it on rent before they qualify for housing benefit, and it’s capped.

Good info Sarahspangles Thank you .... 

dealyboy

Hi OP ... reading between the lines you are in receipt of state pension and have little capital.

Although you are not eligible for housing benefit for a rent allowance, you may well be eligible for other benefits such as council tax benefit and further support and discounts if you can receive pension credit.

https://www.moneysavingexpert.com/family/council-tax-discounts/
https://www.moneysavingexpert.com/family/benefits-check/

As @p00hsticks suggested, the benefits board will likely be very useful.

Mustbeananswer??

dealyboy said:

Hi OP ... reading between the lines you are in receipt of state pension and have little capital.

Although you are not eligible for housing benefit for a rent allowance, you may well be eligible for other benefits such as council tax benefit and further support and discounts if you can receive pension credit.

https://www.moneysavingexpert.com/family/council-tax-discounts/
https://www.moneysavingexpert.com/family/benefits-check/

As @p00hsticks suggested, the benefits board will likely be very useful.

Thanks for that dealyboy.....yes I  dont have a lot of Capital...but I do have slightly more State Pemsion than most and Works Pensions that are handy rather than large.My Biggest Fear tho is ending up begging on Halifax Railway Stattion because I havent budgeted correctly.I am in good health tho....and I suppose that should be my main assett.Its difficult applying for jobs when you are of State Pension Age??.

dealyboy

Mustbeananswer?? said:

dealyboy said:

Hi OP ... reading between the lines you are in receipt of state pension and have little capital.

Although you are not eligible for housing benefit for a rent allowance, you may well be eligible for other benefits such as council tax benefit and further support and discounts if you can receive pension credit.

https://www.moneysavingexpert.com/family/council-tax-discounts/
https://www.moneysavingexpert.com/family/benefits-check/

As @p00hsticks suggested, the benefits board will likely be very useful.

Thanks for that dealyboy.....yes I  dont have a lot of Capital...but I do have slightly more State Pemsion than most and Works Pensions that are handy rather than large.My Biggest Fear tho is ending up begging on Halifax Railway Stattion because I havent budgeted correctly.I am in good health tho....and I suppose that should be my main assett.Its difficult applying for jobs when you are of State Pension Age??.

I should declare an interest ... I am also a state pensioner but without other pension income, a homeowner (a cheap park home), and have significant capital (just in case of future care needs).

I think many of us have fears for the future, but for me begging is not one of them, and dare I say it shouldn't be for you either. The state pension is sufficient and is more than enough for all my normal spending and hopefully nasty surprises can be mitigated by insurance and emergency savings.

I am pleased you are in good health, as am I, but of course we can't take it for granted as we age, so we need to look after ourselves, but being physically and mentally in good shape is the best insurance policy  .

Actually I don't know that it is that difficult obtaining reasonable employment as a pensioner, it depends. A continuation of a previous high flying career is probably out of the question, but if your expectations are not high I think there's a number of minimum wage + £1 type jobs out there. Of course you will have no benefits to lose and no national insurance to pay. In my case I am very happy to be retired  .