Help needed I/B and I/S

dmg24

mitchaa wrote: »

Have you tried noting down monthly income vs monthly expenditure to see where all your money goes?

You seem to be in receipt of quite a lot of benefits in the 1st place...

IB x1
DLA x2
Housing benefit
Council tax benefit
Child tax credits
Child benefit

Have you added all this up, and then subtracted your outgoings?

It may help you see what you're unnecessarily spending??

Michele's family income is less than £500 a month. Their rent is £400 a month, and their council tax is £140 a month.

Can you suggest how they manage on this income? :rolleyes:

Michele37

mitchaa wrote: »

Have you tried noting down monthly income vs monthly expenditure to see where all your money goes?

You seem to be in receipt of quite a lot of benefits in the 1st place...

IB x1
DLA x2
Housing benefit
Council tax benefit
Child tax credits
Child benefit

Have you added all this up, and then subtracted your outgoings?

It may help you see what you're unnecessarily spending??

Are you serious???
Where do you think our money goes?

Michele37

dmg24 wrote: »

Sorry, I've made a mistake in the calculation - I have taken your husband's DLA to be per week. Do you both just get one lower rate component? If so, it will lower your entitlement considerably.

Yep, you come under the same LHA area as Mansfield, so you would be entitled to £98.08 per week if on LHA (HB may be more or less than this, but should be vaguely the same).

Is there definitely no other income coming in? Do you only have:

IB (husband) £63.75 per week
Child Tax Credits £49.00 per week
Child Benefit £18.80 per week
DLA (not counted for benefits purposes)

(I'm not counting HB and CTB, as they are not counted as income when calculating other benefits)


If the DLA amounts are monthly and not weekly, then you should be getting full HB and CTB, and IS of approx £70 a week.

Yes we are both on low rate mobility I get less due to some old repayment
there is definately no more income!

I may sell a lung!!!

mitchaa

Incapacity benefit (Short term rate) = £63.75 x 52 /12 = £276.25pm
DLA (Lower) = £17.75 x 52 / 12 = £76.90pm
DLA (Lower) = £17.75 x 52 / 12 = £76.90pm
CTC = £49 x 52 /12 = £212.33pm
CB (Assuming 1 child) = £18.80 x 52 /12 = £81.46pm
HB £27 x 52 /12 = £117pm
CTB = £56pm (£1514/12 = £126pm, supposed to pay £70pm so £56pm benefit)

Total Income = £896.84pm

Rent = £400pm
CT = £126pm

Total = £526pm
Remainder = £370pm

I agree they are not going to be able to afford to go to the maldives for a month but its a lot better than your estimation of sub £500 earnings suggests.

I too agree that they should probably get full HB and CTB

Their child income is soon to dissapear which will make things a hundred times harder. O.P...She needs to pay her way, any particular reason why she is not in education or employment??

Michele37

be back later, going to cook dinner
Thank you for your help x

dmg24

Michele37 wrote: »

Yes we are both on low rate mobility I get less due to some old repayment
there is definately no more income!

I may sell a lung!!!

I've just manually checked the calculation, and I do think that you should be getting IS of approx £70 per week, and full Council Tax Benefit and Housing Benefit (up to the allowable amount).

I would complete the forms for IS (you can apply online). Once they have assessed your claim, they will then inform your LA (who calculate your HB claim), and then (in theory!) they will calculate the HB claim correctly.

Did you get the name of the person at IB who told you that you would not qualify for IS? You need to ask them to backdate your claim, on the grounds that you were misinformed. Having a name would definitely help your case.

mitchaa

Michele37 wrote: »

Are you serious???
Where do you think our money goes?

I dont know, you tell me

From my quick calcs you have £370pm left over after rent and CT. You've not been paying it though so you should have quite a bit more.

Oops, apologies i see you're only getting £49pm DLA not £76.90 as ive worked out so subtract £28pm from that £370. Why are you not getting the full £76.90?

Michele37

DLA (Lower) = £17.75 x 52 / 12 = £76.90pm

I get £49.00 per month as stated due to

we have to eat and pay bills

my daughter is leaving home in a few weeks,

btw, meant to add, that eon want us to pay £160 per month gas and electric!!

mitchaa

Michele37 wrote: »

DLA (Lower) = £17.75 x 52 / 12 = £76.90pm

I get £49.00 per month as stated due to

we have to eat and pay bills

my daughter is leaving home in a few weeks,

btw, meant to add, that eon want us to pay £160 per month gas and electric!!

Sorry im not having a go, just it doesn't appear to be as bad as DMG suggests (Sub £500pm)

I agree you should be getting full HB/CTB

dmg24

mitchaa wrote: »

Incapacity benefit (Short term rate) = £63.75 x 52 /12 = £276.25pm
DLA (Lower) = £17.75 x 52 / 12 = £76.90pm
DLA (Lower) = £17.75 x 52 / 12 = £76.90pm
CTC = £49 x 52 /12 = £212.33pm
CB (Assuming 1 child) = £18.80 x 52 /12 = £81.46pm
HB £27 x 52 /12 = £117pm
CTB = £56pm (£1514/12 = £126pm, supposed to pay £70pm so £56pm benefit)

Total Income = £896.84pm

Rent = £400pm
CT = £126pm

Total = £526pm
Remainder = £370pm

I agree they are not going to be able to afford to go to the maldives for a month but its a lot better than your estimation of sub £500 earnings suggests.

I too agree that they should probably get full HB and CTB

Their child income is soon to dissapear which will make things a hundred times harder. O.P...She needs to pay her way, any particular reason why she is not in education or employment??

The OP does not see the HB or CTB, and it is not included for the purposes of calculating benefit entitlement (which is what this thread is about). Furthermore, she does not receive the full DLA rate.

The OP needs help getting their correct benefit entitlement. They do not need to be told what their child should be doing, or that they should be able to manage on their current income.

If you actually read the OP's post, she wants help and support, not judgment.