Complete benefits help please!

moomin13

Hi all, mine is a long one! Hubby was self employed 2 years ago but due to an accident he now has a caliper-then another accident rendered his other leg in pot and very weak! I have undergone spinal surgery last year which has rendered me unable to work now but have been getting a monthly wage from my employers which has kept us going alongwith savings due to run out on both now! I have tried to claim for Industrial injuries as mine was due to a work accident and havent heard yet, unsure of others I can claim but DLA have declined my claim! hubby has not had any money for 2 years now, can he claim for anything? we cant survive for much longer?! please help! Mortgage, bills, ptax, loans and credits cards debts gonna stack up!!

dmg24

Are you still receiving SSP? If not, you need to claim IB. What income do you have at present?

Your husband is unlikely to receive IB, as he will not have paid sufficient NI Contributions. He is also unlikely to receive IS, due to your income.

Do you have any kind of payment protection insurance?

Do you have children?

alwaysonthego_2

Go to your local cab asap and they will give you a quick benefits check which will let you know what you can claim and how much.

ref to your DLA the cab will help you dispute it but be quick you do not have long to do this. The CAB are experts at filling out these forms. Your husband may be able to claim for DLA if his mobility has been hampered.

Mortgage- do you have payment protection on it. Maybe you can take holidays from payments (check your terms). Make sure you continue to pay your mortgage over any unsecured loans/credit card.

When you go to cab, make sure you take paper work with you, it does help us advisers to get the full picture and to be able to give you accurate advice. You could be referred to see a debt adviser and they will help you negotiate with your creditors. But I must stress keep paying your mortgage!

susieh_2

Hi,

if your hubby has been paying some NI contribution whilst he was self-employed, he should put in a claim for Incapacity Benefit for himself, its not means tested, so other income & savings (possibly up to a certain amount I think) would'nt affect his claim. He can only ring & try.

Good Luck

Susieh

moomin13

Hi, no income apart from money from employers who are still paying me a wage whilst sick of aprox £500 now, it goes down every month-unsure of when it will stop..have a claim in so think its a good will gesture..
No kids-no payment protection-couldnt afford them! Managing mortgage as never want to lose that! have 2 months left of money then.....ahhhhh!