UC & PIP Insurance payout question

jim123321

So basically I get UC, LCWRA and PIP for some pretty bad medical conditions which I won’t go into. 

A couple of months ago I had a car accident due to one of these conditions, I wasn’t injured but I can’t drive for a year now which is annoying but it’s fine, at least I’m ok. 

My insurance paid £21k about a week later, I used the entire amount to clear all of my debts with pennies left over. 

I didn’t know that I needed to report it to UC but I do now. 

I just wanted to confirm that once I have reported it I will have done everything correctly?
The money from claims is disregarded for 52 weeks, you can’t just go and spend it on rubbish like holidays, 150” TVs etc to get back below the limits for UC, but buying acceptable things for the house or everyday normal stuff and clearing debt is perfectly fine?

HillStreetBlues

jim123321 said:

So basically I get UC, LCWRA and PIP for some pretty bad medical conditions which I won’t go into. 

A couple of months ago I had a car accident due to one of these conditions, I wasn’t injured but I can’t drive for a year now which is annoying but it’s fine, at least I’m ok. 

My insurance paid £21k about a week later, I used the entire amount to clear all of my debts with pennies left over. 

I didn’t know that I needed to report it to UC but I do now. 

I just wanted to confirm that once I have reported it I will have done everything correctly?
The money from claims is disregarded for 52 weeks, you can’t just go and spend it on rubbish like holidays, 150” TVs etc to get back below the limits for UC, but buying acceptable things for the house or everyday normal stuff and clearing debt is perfectly fine?

Was the debts paid off in the same AP as the money was paid?

jim123321

HillStreetBlues said:

jim123321 said:

So basically I get UC, LCWRA and PIP for some pretty bad medical conditions which I won’t go into. 

A couple of months ago I had a car accident due to one of these conditions, I wasn’t injured but I can’t drive for a year now which is annoying but it’s fine, at least I’m ok. 

My insurance paid £21k about a week later, I used the entire amount to clear all of my debts with pennies left over. 

I didn’t know that I needed to report it to UC but I do now. 

I just wanted to confirm that once I have reported it I will have done everything correctly?
The money from claims is disregarded for 52 weeks, you can’t just go and spend it on rubbish like holidays, 150” TVs etc to get back below the limits for UC, but buying acceptable things for the house or everyday normal stuff and clearing debt is perfectly fine?

Was the debts paid off in the same AP as the money was paid?

Sorry what’s AP?

KxMx

Assessment Period. 
Paying off debt is permitted with UC. 

jim123321

KxMx said:

Assessment Period. 
Paying off debt is permitted with UC. 

Thanks yes it was paid off in the same assessment period. 

I’m still trying to work out how to report it on my account, I think I’m just going to call them because I have no idea. 

HillStreetBlues

jim123321 said:

KxMx said:

Assessment Period.
Paying off debt is permitted with UC. 

Thanks yes it was paid off in the same assessment period. 

I’m still trying to work out how to report it on my account, I think I’m just going to call them because I have no idea. 

All that matters is your capital on the final day of your AP. As KxMx stated paying off a debt is fine under UC. If capital is now under £6k then there is nothing to report.

jim123321

HillStreetBlues said:

jim123321 said:

KxMx said:

Assessment Period.
Paying off debt is permitted with UC. 

Thanks yes it was paid off in the same assessment period. 

I’m still trying to work out how to report it on my account, I think I’m just going to call them because I have no idea. 

All that matters in your capital on the final day of your AP. As KxMx stated paying off a debt is fine under UC. If capital is under £6k then there is nothing to report.
 

Ok thanks, I am going to call them now because this account thing is terrible, I just can’t work it out.