Husband left, mortgaged house can I claim universal credit ???

lje1981

Hi there, I will keep it short, husband left last week, amicable split, he is living with his parents until he finds a rented property. Has agreed I can stay in the jointly mortgaged home until our fixed rate comes to an end (3 years time) we have 3 children, 1 on PIP and 1 on DLA, I work full time, earn £1900 a month, would anyone know if I could claim universal credit ? We have split our savings so I am left with £5k. Many thanks 😊

born_again

https://www.entitledto.co.uk/organisations/benefits-calculator

teaselMay

https://www.entitledto.co.uk/ if you put your details into this link it will show you what you're likely to be entitled to

lje1981

Thanks ‘born_again’ I have checked this out and it is saying I could be entitled but I’m scared to apply if it’s not correct, would my earnings, children’s benefits and savings not exclude me 🤔 I would hate to apply, recieve and then be landed with a big over oayment bill, never claimed before so this is all new. Many thanks for the comment 🙏😊

born_again

lje1981 said:

Thanks ‘born_again’ I have checked this out and it is saying I could be entitled but I’m scared to apply if it’s not correct, would my earnings, children’s benefits and savings not exclude me 🤔 I would hate to apply, recieve and then be landed with a big over oayment bill, never claimed before so this is all new. Many thanks for the comment 🙏😊

Don't be scared to apply.

No reason to fear over payments. You just have to be open & upfront about savings etc. Which include the likes of premium bonds, Pay Pal accounts etc

lje1981

Ah thank you so much for the advice, it’s such a stressful time, trying to get my finances in order will be one less thing to worry about, I appreciate your time 😊

teaselMay

Agree just be open and honest with the DWP/Job centre/in your application and you've nothing to fear. It's not pleasant having to claim but worth doing if it looks as though you'll be entitled to some help.

Loza2016

It’s also worth noting that if you have disabled children & claim universal credit you can apply for more financial help from places like family fund etc. 

Spoonie_Turtle

lje1981 said:

Thanks ‘born_again’ I have checked this out and it is saying I could be entitled but I’m scared to apply if it’s not correct, would my earnings, children’s benefits and savings not exclude me 🤔 I would hate to apply, recieve and then be landed with a big over oayment bill, never claimed before so this is all new. Many thanks for the comment 🙏😊

Just so you know, PIP and DLA are not counted as income for UC. 
If they remain unspent and accumulate then that counts towards savings, but they're not income to exclude you - and actually having disabled children means you're entitled to more UC than someone without.

Also UC is calculated monthly based on actual circumstances, so any changes are taken into account straight away and any issues can be quickly identified and addressed

lje1981

Ah that’s great info ‘spoonie_turtle’ many thanks and the fact it’s a monthly assessment will be a big weight lifted, thanks for your time 😊