Universal credit migration - inheritance paying mortgage

Disbride08

Looking for any help. Seem to be going around in circles as it's so confusing online. 

I'm in receipt of legacy benefits and I've received a letter for migration to universal credit for the next month.

Currently getting

Tax credits for 3 children 

Esa support group with disability premium

Pip standard living (I'm aware this won't be affected)

Severe disability premium 

I've just had my recent assessments for pip and esa within the last month and it was so stressful. I've been moved to the support group now. 

Unfortunately I lost a family member a few years ago and it's been an ongoing process for any inheritance to be paid out. By the sounds of it though, I will be receiving a large sum within the next few months after the move to universal credit. It will be a substantial amount taking me over the 16k limit on savings for universal credit eligibility. 

I will be using the money to pay off my mortgage as I have an undertaking to the court to release my ex husband from the mortgage and have been unable to do so until now. 

My questions are:  

If I receive the inheritance and pay off my mortgage within the same assessment period I received it, (I know that I can pay debt on universal credit as it's not seen as capital deprivation)  Will it completely end everything so I have to reapply again for it all??

After paying my mortgage balance  I will be potentially under the savings limit so would still be eligible for universal credit. 

The stress of the esa and pip assessments was awful and I have literally just had a decision on both in the last month.

And my next question is when I do move to universal credit I am struggling to understand the transitional protection on the payments I will get. Does it cover all of what I am receiving? Is it guaranteed to be a like for like on my monthly payment or is there a limit to what they will pay? 

I will obviously be letting them know I'm going to be receiving a large sum when I move over but I'm unsure of the exact amount just yet. I'm just trying to make myself aware of the process so I can be more prepared. I've dreaded receiving the letter to move as it all seems so complicated. 

Thank you for any insight with this. 

HillStreetBlues

My personal view is if you paid off your mortgage in the same AP that you received the inheritance then UC should continue unbroken. Your question has come up a few times on here and do remember different views (UC ends once over £16k). No one to my knowledge has came back to inform what actually happened, so have no case study to refer you to.
Yes, TP on managed migration is suppose to cover all what you was on before the move.
There is no point informing before you receive the money, there is no process on reporting capital before you have actually got it, and it might leave to confusion.  

Unicorn79

Disbride08 said:

Looking for any help. Seem to be going around in circles as it's so confusing online. 

I'm in receipt of legacy benefits and I've received a letter for migration to universal credit for the next month.

Currently getting

Tax credits for 3 children 

Esa support group with disability premium

Pip standard living (I'm aware this won't be affected)

Severe disability premium 

I've just had my recent assessments for pip and esa within the last month and it was so stressful. I've been moved to the support group now. 

Unfortunately I lost a family member a few years ago and it's been an ongoing process for any inheritance to be paid out. By the sounds of it though, I will be receiving a large sum within the next few months after the move to universal credit. It will be a substantial amount taking me over the 16k limit on savings for universal credit eligibility. 

I will be using the money to pay off my mortgage as I have an undertaking to the court to release my ex husband from the mortgage and have been unable to do so until now. 

My questions are:  

If I receive the inheritance and pay off my mortgage within the same assessment period I received it, (I know that I can pay debt on universal credit as it's not seen as capital deprivation)  Will it completely end everything so I have to reapply again for it all??

After paying my mortgage balance  I will be potentially under the savings limit so would still be eligible for universal credit. 

The stress of the esa and pip assessments was awful and I have literally just had a decision on both in the last month.

And my next question is when I do move to universal credit I am struggling to understand the transitional protection on the payments I will get. Does it cover all of what I am receiving? Is it guaranteed to be a like for like on my monthly payment or is there a limit to what they will pay? 

I will obviously be letting them know I'm going to be receiving a large sum when I move over but I'm unsure of the exact amount just yet. I'm just trying to make myself aware of the process so I can be more prepared. I've dreaded receiving the letter to move as it all seems so complicated. 

Thank you for any insight with this. 

 Hi there - May I ask what happened to your claim once you received your inheritance and used this to clear you debts?  I am in a similar situtation re: inheritance : UC : debts.

born_again

Unicorn79 said:

Disbride08 said:

Looking for any help. Seem to be going around in circles as it's so confusing online. 

I'm in receipt of legacy benefits and I've received a letter for migration to universal credit for the next month.

Currently getting

Tax credits for 3 children 

Esa support group with disability premium

Pip standard living (I'm aware this won't be affected)

Severe disability premium 

I've just had my recent assessments for pip and esa within the last month and it was so stressful. I've been moved to the support group now. 

Unfortunately I lost a family member a few years ago and it's been an ongoing process for any inheritance to be paid out. By the sounds of it though, I will be receiving a large sum within the next few months after the move to universal credit. It will be a substantial amount taking me over the 16k limit on savings for universal credit eligibility. 

I will be using the money to pay off my mortgage as I have an undertaking to the court to release my ex husband from the mortgage and have been unable to do so until now. 

My questions are:  

If I receive the inheritance and pay off my mortgage within the same assessment period I received it, (I know that I can pay debt on universal credit as it's not seen as capital deprivation)  Will it completely end everything so I have to reapply again for it all??

After paying my mortgage balance  I will be potentially under the savings limit so would still be eligible for universal credit. 

The stress of the esa and pip assessments was awful and I have literally just had a decision on both in the last month.

And my next question is when I do move to universal credit I am struggling to understand the transitional protection on the payments I will get. Does it cover all of what I am receiving? Is it guaranteed to be a like for like on my monthly payment or is there a limit to what they will pay? 

I will obviously be letting them know I'm going to be receiving a large sum when I move over but I'm unsure of the exact amount just yet. I'm just trying to make myself aware of the process so I can be more prepared. I've dreaded receiving the letter to move as it all seems so complicated. 

Thank you for any insight with this. 

 Hi there - May I ask what happened to your claim once you received your inheritance and used this to clear you debts?  I am in a similar situtation re: inheritance : UC : debts.

Sadly OP posted & has never been seen again

Last seen Sep 5, 2024

Unicorn79

born_again said:

Unicorn79 said:

Disbride08 said:

Looking for any help. Seem to be going around in circles as it's so confusing online. 

I'm in receipt of legacy benefits and I've received a letter for migration to universal credit for the next month.

Currently getting

Tax credits for 3 children 

Esa support group with disability premium

Pip standard living (I'm aware this won't be affected)

Severe disability premium 

I've just had my recent assessments for pip and esa within the last month and it was so stressful. I've been moved to the support group now. 

Unfortunately I lost a family member a few years ago and it's been an ongoing process for any inheritance to be paid out. By the sounds of it though, I will be receiving a large sum within the next few months after the move to universal credit. It will be a substantial amount taking me over the 16k limit on savings for universal credit eligibility. 

I will be using the money to pay off my mortgage as I have an undertaking to the court to release my ex husband from the mortgage and have been unable to do so until now. 

My questions are:  

If I receive the inheritance and pay off my mortgage within the same assessment period I received it, (I know that I can pay debt on universal credit as it's not seen as capital deprivation)  Will it completely end everything so I have to reapply again for it all??

After paying my mortgage balance  I will be potentially under the savings limit so would still be eligible for universal credit. 

The stress of the esa and pip assessments was awful and I have literally just had a decision on both in the last month.

And my next question is when I do move to universal credit I am struggling to understand the transitional protection on the payments I will get. Does it cover all of what I am receiving? Is it guaranteed to be a like for like on my monthly payment or is there a limit to what they will pay? 

I will obviously be letting them know I'm going to be receiving a large sum when I move over but I'm unsure of the exact amount just yet. I'm just trying to make myself aware of the process so I can be more prepared. I've dreaded receiving the letter to move as it all seems so complicated. 

Thank you for any insight with this. 

 Hi there - May I ask what happened to your claim once you received your inheritance and used this to clear you debts?  I am in a similar situtation re: inheritance : UC : debts.

Sadly OP posted & has never been seen again

Last seen Sep 5, 2024

Ahh - thank you for letting me know! : )