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  • FIRST POST
    • REDSHOES
    • By REDSHOES 22nd Sep 19, 2:39 PM
    • 14Posts
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    REDSHOES
    Advice Please
    • #1
    • 22nd Sep 19, 2:39 PM
    Advice Please 22nd Sep 19 at 2:39 PM
    Hi. Some advice here would be very much appreciated.

    My husband has Prostate Cancer which has spread to his bones. He is 62, and since diagnosis (3 and a half years ago) up until the start of this year he has worked full time except for 4-5 months he had to take off during 2016/2017 for Chemotherapy treatment. He has been very lucky in that his workplace will pay him full pay for a full years absence over a rolling 3 years. This year however he has been very unwell and the full years salary will come to an end at the beginning of November. He has had to take time off sick due to serious health issues and then in early July he fractured his right hip due to years of hormone medications of various kinds and the radium treatment he started in February this year. Currently he is in hospital after blood and platelet transfusions due to a hip infection following surgery. Anyway, at the moment he appears to be making good progress and we hope to get him discharged and back home soon.

    Financially I am unsure as to what we should do now We have always worked full time (me around our 3 children who are now all grown up) Never had any time off sick during our lifetimes other than very very minimal and never claimed for anything except for child allowances when our children were eligible - so this is a completely new situation for us both. I have dipped my feet into the water very slightly and have claimed for PIP which is currently ongoing.

    My husband has been in his current job for 19 years and he is eligible to take his company pension enhanced up to his normal retirement age. It is a fair amount and with a reasonably good lump sum. He had started to get all the projections for this and then was taken into hospital and we have nut discussed this much since. However previous to all this he had said he would not retire yet because if he died whilst still in service then I would receive a larger amount. It's still all up in the air and It's not the main topic for discussion currently. The only important subject when we visit is getting him better and out of hospital.

    I am aware that my husbands salary will stop in little over 1 month. I still work full time - I am a few years younger and am fit and healthy - fingers crossed. We are used to 2 full time wages coming in. Our mortgage is paid off but we do have some credit card debt and we also wanted some work on the house completed before we both retired. As well as his salary, he also receives a pension from his old workplace which he started claiming for about 6 years ago. Not a large amount by any means but it does go into the pot and we have been used to earning a good amount between us every month. Now, when his salary stops we are going to be minus that amount.

    I would be very grateful of some advice. As I have said we are in the process of potentially claiming PIP. However is there anything else we can claim for? We originally thought that my husbands rolling 3 year sickness could be lengthened as he was going back to work after he had time to re-cuperate - this has not been the case due to complications with his recovery. I have no idea if it would be best for him to retire completely now, or if he should stay employed with his company - and it is something I really do not want to bring up currently whilst he is still in hospital. The priority is just to get him well and discharged and my family and I are at his bedside for many hours doing our best to keep him motivated and optimistic.

    Apologies about the length of this, but some advice would be very much appreciated as to the best course of action.

    Regards
Page 1
    • MovingForwards
    • By MovingForwards 22nd Sep 19, 2:55 PM
    • 2,527 Posts
    • 2,998 Thanks
    MovingForwards
    • #2
    • 22nd Sep 19, 2:55 PM
    • #2
    • 22nd Sep 19, 2:55 PM
    I'm sorry to hear about your husband and your concerns about what can be claimed.

    If his normal company sick pay ends then it should revert to SSP which isn't great at about 90pw, but it's better than nothing. Think that can be claimed for 28 weeks.

    The death in service benefit is usually 3 or 4x annual wages, but it will be in the paperwork your husband has.

    Aside from that you would need to go through the entitled to website for other ideas and also wait to see what members advise.

    You may also want to post on the benefits forum
    • poppy12345
    • By poppy12345 22nd Sep 19, 7:28 PM
    • 6,136 Posts
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    poppy12345
    • #3
    • 22nd Sep 19, 7:28 PM
    • #3
    • 22nd Sep 19, 7:28 PM
    After he's claimed SSP it will be New Style ESA that he should claim. This is based on his NI Contributions in the previous 2 tax years as he's always worked then he should qualify for this.


    He can apply 3 months before his SSP ends but he'll need his P45 and a fit note from his GP to be able to claim it. He won't receive payment until the SSP ends but applying 3 months before means payments will start straight away once SSP ends.



    This is 73.10 per week assessment rate and is only paid for 365 days unless placed into the Support Group and then it's paid for as long as he remains in that group. Details here. https://www.gov.uk/guidance/new-style-employment-and-support-allowance It's not means tested so household income, pensions and savings are not counted.



    Universal Credit is the only other benefit but because you work full time and he receives a pension which will both affect the amount of UC you can claim. As this is means tested then you would claim as couple and savings/capital affect the amount you can claim. With your income and his pension then it's very likely the UC award would be zero.
    • Fire Fox
    • By Fire Fox 23rd Sep 19, 6:33 AM
    • 25,239 Posts
    • 29,488 Thanks
    Fire Fox
    • #4
    • 23rd Sep 19, 6:33 AM
    • #4
    • 23rd Sep 19, 6:33 AM
    MacMillan Cancer Support can help with benefits and other financial aspects of your situation. I have heard of applications for PIP being 'fast-tracked' in some way but I don't know the detail. There is loads of financial information on their website and they have specialist advisors.

    HTH.
    Declutterbug-in-progress.⭐️⭐️⭐️ ⭐️⭐️
    • poppy12345
    • By poppy12345 23rd Sep 19, 6:52 AM
    • 6,136 Posts
    • 5,672 Thanks
    poppy12345
    • #5
    • 23rd Sep 19, 6:52 AM
    • #5
    • 23rd Sep 19, 6:52 AM
    MacMillan Cancer Support can help with benefits and other financial aspects of your situation. I have heard of applications for PIP being 'fast-tracked' in some way but I don't know the detail. There is loads of financial information on their website and they have specialist advisors.

    HTH.
    Originally posted by Fire Fox
    OP is already receiving PIP. The fast track claims you mention is for those that are terminal with a life expectancy of 6 months or less.
    • Fire Fox
    • By Fire Fox 26th Sep 19, 5:54 PM
    • 25,239 Posts
    • 29,488 Thanks
    Fire Fox
    • #6
    • 26th Sep 19, 5:54 PM
    • #6
    • 26th Sep 19, 5:54 PM
    OP is already receiving PIP. The fast track claims you mention is for those that are terminal with a life expectancy of 6 months or less.
    Originally posted by poppy12345
    Thanks for adding that information.

    The OP reads to me as somewhere in the claims process but not yet in receipt of PIP, thought it might be wise to get a 'real life' advisor involved.

    Financially I am unsure as to what we should do now We have always worked full time (me around our 3 children who are now all grown up) Never had any time off sick during our lifetimes other than very very minimal and never claimed for anything except for child allowances when our children were eligible - so this is a completely new situation for us both. I have dipped my feet into the water very slightly and have claimed for PIP which is currently ongoing.

    <snip>

    I would be very grateful of some advice. As I have said we are in the process of potentially claiming PIP. However is there anything else we can claim for?
    Originally posted by REDSHOES
    Declutterbug-in-progress.⭐️⭐️⭐️ ⭐️⭐️
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