UC what is a household for the purpose of savings?

Wanna_Bee_Free

My sister and father live together. My father has over £16k of savings. My sister has none. If my sister claims for UC will they make a deduction to her payment for the savings my father has?

Wanna_Bee_Free

Just to add I read the blurb on Entitled to and my interpretation was his savings would be excluded as they are not married/partner but father and daughter but it really didn't seem to be clear.

born_again

Savings relate to person or persons (joint claim) claiming UC. Not anyone else living in the house.

Wanna_Bee_Free

Thank you very much born_again. 

Muttleythefrog

As above... yes 'household' for UC (and some other benefit) purposes doesn't refer to bricks and mortar but surrounds relationships. I'm actually considered now to be a separate household to my estranged wife who I live with (not for much longer hopefully as I am in process to move) at the same property whereas previously we were considered of course a household. Father's savings/income wouldn't apply here.

Wanna_Bee_Free

Thanks for your reply Muttleythefrog, good luck with your move!

gbhxu

But, if you want to claim Council Tax reduction, tyourlocal authority will want to know everything about everyone who lives at the property.

Wanna_Bee_Free

I expect my father will put the info in if there's a reduction to be had. We shall see. UC form started Sunday.  Not yet submitted but some progress in the right direction at last. 

huckster

Hopefully they have totally separate financial accounts.

I have seen a few cases where parent and daughter had lived in same house for a very long time. The daughter was  disabled and the parent had all of the finances including bank accounts in their name, with the daughter having no accounts in their name.

When it came to deciding how much savings the daughters had, it was very difficult, as all of their money was all lumped together with their parents. 

Hopefully this will not be the case for the OP's family members.

Wanna_Bee_Free

Hi Huckster,

Yes, they have multiple separate accounts in both namex and my little sis the daughter lived with our parents at home partly becaise of who she is. She has no diagnosed disabilities and is only being referred to MH services etc at 55 but looking back she has had issues for donkeys years but was high functioning. It was her losing her job twice that has got them both in such a pickle. Before that she was a very high earner and able to pay the very high mortgage etc until April 2024. Bad since then and I am finally being asked for help sorting.