Non dependant with savings. Affect benefits?

Drewman_2 · 30 September 2018 at 12:28PM

Hello

Me and my wife receive a state pension and housing benefit.

My son has just had a divorce and may be moving back in with us, he has around £15k savings, will his savings affect our pension amount or housing benefits in any way?

Thank you very much for your help.

DUTR · 30 September 2018 at 12:32PM

I s he going to be claiming?

pmlindyloo · 30 September 2018 at 12:44PM

Is housing benefit the only benefit that either of you claim?

If it is then your housing benefit will be affected.

Your son will be classed as a non dependent. His savings will not be taken into account but any earnings/income will mean a deduction from your housing benefit.

Read here for the details:

https://england.shelter.org.uk/housing_advice/housing_benefit/housing_benefit_deductions_when_living_with_non-dependants

However, you will receive a bedroom allowance for your son as part of your housing benefit assessment.

Put your details into the benefits calculator on https://www.turn2us.org.uk to see your entitlement.

You will need to inform your local council of your change of circumstances.

Come back if you need any further help.

Your state pensions will not be affected.

Drewman_2 · 30 September 2018 at 12:44PM

I forgot to mention. He hasn't got a proper job here yet as he is moving back down from Scotland, but has a 16 hours a week minimum wage, temporary Christmas job starting when he gets here.

Drewman_2 · 30 September 2018 at 12:46PM

Thank you very much, I'm off to read the info now.

bigbill · 30 September 2018 at 1:47PM

Ignore the above info:

There will be no deduction for 6 months regardless of his savings or earnings.

poppy12345 · 30 September 2018 at 2:30PM

bigbill wrote: »

Ignore the above info:

There will be no deduction for 6 months regardless of his savings or earnings.

Drewman wrote: »

Me and my wife receive a state pension and housing benefit.

See link under exclusions http://england.shelter.org.uk/legal/benefits/housing_benefit/calculation_of_housing_benefit/non-dependant_deductions

bspm1 · 30 September 2018 at 3:45PM

poppy12345 wrote: »

See link under exclusions http://england.shelter.org.uk/legal/benefits/housing_benefit/calculation_of_housing_benefit/non-dependant_deductions

Very good link poppy, do you know if this applies to Council Tax Reduction too? Not sure if Housing Benefit and CTR are the same?

pmlindyloo · 30 September 2018 at 4:05PM

My apologies to the OP. I had forgotten this exemption.

Even if the OP doesn't return then I hope his council will apply the disregard and no harm is done through my incorrect information.

bspm1 · 30 September 2018 at 4:08PM

bigbill wrote: »

Ignore the above info:

There will be no deduction for 6 months regardless of his savings or earnings.

I found this...

Before 1 April 2014, if you, or your partner, are aged 65 or over and, either a non-dependant comes to live with you or, an existing non-dependant's circumstances change in way that would increase the non-dependant deduction to be made in your CTR calculation, you must report the change, but the deduction will not be increased until 26 weeks after the change. If a non-dependant comes to live with you or, an existing non-dependant's circumstances change on or after 1 April 2014, you must report the change and it will affect your CTR from the date of the change.