Income Support Refused DESPITE what the Calculators say...

healy

trjp wrote: »

I think the confusion with entitledto is that it gets the Incapacity Benefit wrong - it talks about £84.50 but they receive £102.odd - which when that's factored in (depending on how you enter it) changes what it suggests...

Anyway - 3 months of wasted time and effort - 3 months of mortgage arrears and no help from anyone other than me (and you lot - thanks!) - feels like the 1970s all over again

The selling the house thing wouldn't work anyway - they've been talking about moving for a while but it would windfall them at least £45k which means they'd be entitledto nothing anyway and they'd end-up spending that on rental which seems a little daft to me...


I'd still like to find out what the I/S threshold for a couple is tho - it cannot be the £90-odd they've been told, how that could keep 2 people and a mortgage (interest-only) in anything up from a small tent eating nuts and berries! - I've no idea

The difference in the IB amount is due to the higher age addition being added onto the basic long term rate of IB.The £90 odd pounds is the basic amount for a couple to live off.They really need to have a benefit check done, this can be done at the CAB or the Jobcentre.

dmg24

trjp wrote: »

I think the confusion with entitledto is that it gets the Incapacity Benefit wrong - it talks about £84.50 but they receive £102.odd - which when that's factored in (depending on how you enter it) changes what it suggests...

Anyway - 3 months of wasted time and effort - 3 months of mortgage arrears and no help from anyone other than me (and you lot - thanks!) - feels like the 1970s all over again

The selling the house thing wouldn't work anyway - they've been talking about moving for a while but it would windfall them at least £45k which means they'd be entitledto nothing anyway and they'd end-up spending that on rental which seems a little daft to me...


I'd still like to find out what the I/S threshold for a couple is tho - it cannot be the £90-odd they've been told, how that could keep 2 people and a mortgage (interest-only) in anything up from a small tent eating nuts and berries! - I've no idea

healy is correct, the basic amount for a couple is approx £95. For a single person it is approx £60. A disability premium can be added to these figures in certain circumstances.

entitledto does allow you to change the amount of IB, so you do come out with an accurate end figure.

Whilst not trying to excuse the DWP for any unjustifiable delays, this is an example of why people need to get accurate information straightaway, and not just when things go wrong.

Let us know how they get on with JCP/ CAB.

trjp

I've already suggested a trip to the CAB - the problem is our local one is only open 4 hours a day/4 days a week and is usually VERY VERY busy (so much so they don't even answer their phone anymore!) - I'll remind them it's a wise move tho.

Thanks for the other tips - it seems they were lucky to have been able to claim in the past and just aren't going to be so now. Even with JSA, in 39 weeks they'll have been evicted and their house repossessed so it seems they either find more income or become a larger burden on the state/more profit to their creditors...

dmg24

I knew I had it somewhere, here are the premiums and benefit rates for this year:

http://www.dwp.gov.uk/mediacentre/pressreleases/2007/dec/benefit-rates-2008.pdf

real1314

If one of the couple has been on Incap for 5 years, they should include a couple rate Disability Premium in the assesment - whether IS or JSA Income Based (Was £36.00 before april 08).
As for the mortgage interest, I think the sticking point will be the date the ex-self employed person stopped work. That will be the date used to calculate the 39 weeks, so until that point has passed there will be no mortgage top up.

SuziQ

I think the 39 week kick-in for mortgage relief is a killer-this affects me too,as is any mortgage after 1995. If they were renting that would have been paid straight away.

DaisyFlower

trjp wrote: »

I've already suggested a trip to the CAB - the problem is our local one is only open 4 hours a day/4 days a week and is usually VERY VERY busy (so much so they don't even answer their phone anymore!) - I'll remind them it's a wise move tho.

Thanks for the other tips - it seems they were lucky to have been able to claim in the past and just aren't going to be so now. Even with JSA, in 39 weeks they'll have been evicted and their house repossessed so it seems they either find more income or become a larger burden on the state/more profit to their creditors...

3 months is plenty of time to have found a basic job or signed upto agencies etc for work. Losing the house does not have to happen, surely when faced with that kind of threat you'd take any job?

bigbill

Couple rate (one disabled) is £131.80 plus £20 for working so £151.80 weekly due.

If Income Support has been refused it must be because they have over this weekl?

Easy to follow benefit charts here: http://www.welfarerights.net/guides/charts.htm

bigbill

Only one of a couple need to be eligable to claim Income Support for a couple, one has IB so they would have been allowed to claim Income Support for both if their joint incomes allow, which it seems it did not.

[Deleted User]

trjp wrote: »

I've already suggested a trip to the CAB - the problem is our local one is only open 4 hours a day/4 days a week and is usually VERY VERY busy (so much so they don't even answer their phone anymore!) - I'll remind them it's a wise move tho.

Thanks for the other tips - it seems they were lucky to have been able to claim in the past and just aren't going to be so now. Even with JSA, in 39 weeks they'll have been evicted and their house repossessed so it seems they either find more income or become a larger burden on the state/more profit to their creditors...

if they speak to their lender then they maybe able to come to some arrangement,but they have to ask !