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  • FIRST POST
    • Frogletina
    • By Frogletina 23rd Dec 17, 10:11 PM
    • 3,057Posts
    • 11,067Thanks
    Frogletina
    Statutory sick pay
    • #1
    • 23rd Dec 17, 10:11 PM
    Statutory sick pay 23rd Dec 17 at 10:11 PM
    My son has been off work for a few weeks and needs an operation. All he is getting is SSP. I have only just found out how low this is, and he has no other income. He only has enough money to pay his mortgage in January (around £400) and then it would be impossible. He is single and loves alone.

    Can anyone advice what he can claim while he is unable to work?
    Not Rachmaninov
    But Nyman
    The heart asks for pleasure first

    SPC 8 #441 £1567.31 SPC 9 #441 £1014.64 SPC 10 #441 £1164.13
Page 1
    • NotSuchASmugMarriedNow
    • By NotSuchASmugMarriedNow 23rd Dec 17, 10:34 PM
    • 575 Posts
    • 1,112 Thanks
    NotSuchASmugMarriedNow
    • #2
    • 23rd Dec 17, 10:34 PM
    • #2
    • 23rd Dec 17, 10:34 PM
    I'm not sure if he can claim anything else. How long is he likely to be off sick for? Could he look for another job which pays you whilst you are off sick and have the operation then? Obviously this won't work if the operation is urgent.
    Overactively underachieving for almost half a century
    • Frogletina
    • By Frogletina 23rd Dec 17, 10:51 PM
    • 3,057 Posts
    • 11,067 Thanks
    Frogletina
    • #3
    • 23rd Dec 17, 10:51 PM
    • #3
    • 23rd Dec 17, 10:51 PM
    He is waiting for a heart op and additionally is on crutches due to either sciatica or a disc problem in his neck. It is still being investigated.

    I'm hoping he can get working tax credits or another benefit as he can't live on SSP alone.
    Not Rachmaninov
    But Nyman
    The heart asks for pleasure first

    SPC 8 #441 £1567.31 SPC 9 #441 £1014.64 SPC 10 #441 £1164.13
    • LilElvis
    • By LilElvis 24th Dec 17, 1:55 AM
    • 3,626 Posts
    • 9,932 Thanks
    LilElvis
    • #4
    • 24th Dec 17, 1:55 AM
    • #4
    • 24th Dec 17, 1:55 AM
    Could be have a lodger to help defray some of his outgoings?
    • Sarastro
    • By Sarastro 24th Dec 17, 8:32 AM
    • 395 Posts
    • 342 Thanks
    Sarastro
    • #5
    • 24th Dec 17, 8:32 AM
    • #5
    • 24th Dec 17, 8:32 AM
    Can he take a mortgage holiday? I think most have a clause where you can skip a month. It would be good if he did talk to the mortgage company now, the more proactive you are with them the more then can do to help you, rather than waiting until it becomes a problem.

    Does he have insurance at all?

    Beyond that, I think it comes down to whether he is going to be off sick long-term or short-term.
    • TELLIT01
    • By TELLIT01 24th Dec 17, 9:23 AM
    • 5,001 Posts
    • 5,407 Thanks
    TELLIT01
    • #6
    • 24th Dec 17, 9:23 AM
    • #6
    • 24th Dec 17, 9:23 AM
    If he's not going to be able to pay the mortgage beyond January, and still expects to be unable to work, he needs to speak to his mortgage provider before he misses a payment.
    • poppy12345
    • By poppy12345 24th Dec 17, 9:27 AM
    • 2,787 Posts
    • 2,755 Thanks
    poppy12345
    • #7
    • 24th Dec 17, 9:27 AM
    • #7
    • 24th Dec 17, 9:27 AM
    You can't claim ESA and SSP and the same time. SSP is payable for 28 weeks.
    • Frogletina
    • By Frogletina 24th Dec 17, 10:20 AM
    • 3,057 Posts
    • 11,067 Thanks
    Frogletina
    • #8
    • 24th Dec 17, 10:20 AM
    • #8
    • 24th Dec 17, 10:20 AM
    If he's not going to be able to pay the mortgage beyond January, and still expects to be unable to work, he needs to speak to his mortgage provider before he misses a payment.
    Originally posted by TELLIT01
    He will be doing this

    You can't claim ESA and SSP and the same time. SSP is payable for 28 weeks.
    Originally posted by poppy12345
    He hopes it won't come to that - he wants to get back to work, or find a different job asap

    Could be have a lodger to help defray some of his outgoings?
    Originally posted by LilElvis
    I have suggested that to him
    Not Rachmaninov
    But Nyman
    The heart asks for pleasure first

    SPC 8 #441 £1567.31 SPC 9 #441 £1014.64 SPC 10 #441 £1164.13
    • When the going gets tough
    • By When the going gets tough 24th Dec 17, 3:32 PM
    • 550 Posts
    • 1,038 Thanks
    When the going gets tough
    • #9
    • 24th Dec 17, 3:32 PM
    • #9
    • 24th Dec 17, 3:32 PM
    I think he can make a claim for income based esa whilst receiving ssp. He needs to ask for his housing costs to be included. This would bring the amoun5 payable above ssp and he should get a contribution towards the interest on the loan. I would suggest he goes to Cab after Christmas and asks about this specific point.
    • marliepanda
    • By marliepanda 24th Dec 17, 4:07 PM
    • 5,871 Posts
    • 12,439 Thanks
    marliepanda
    I think he can make a claim for income based esa whilst receiving ssp. He needs to ask for his housing costs to be included. This would bring the amoun5 payable above ssp and he should get a contribution towards the interest on the loan. I would suggest he goes to Cab after Christmas and asks about this specific point.
    Originally posted by When the going gets tough
    SMI isnít paid until 39 weeks after the claim. OPs post makes no information heís anywhere near that...
    • pmlindyloo
    • By pmlindyloo 24th Dec 17, 4:54 PM
    • 11,563 Posts
    • 13,462 Thanks
    pmlindyloo
    You cannot claim ESA whilst receiving SSP

    https://www.gov.uk/employment-support-allowance/eligibility

    If there was an eligibility for an income based benefit then the correct benefit would be Income Support as claiming SSP is one of the criteria to claim Income Support.

    However, you have raised an interesting point 'when the going gets tough', as to whether the OP's son should make a claim now for Income support. He would not be eligible because SSP is more money than the single person's allowance for IS and housing costs are not added for 39 weeks BUT am unsure whether the 39 weeks only begin after a claim for IS has been made or whether the SSP period counts towards the 39 weeks.

    Can't access Decision Makers Guide at the moment but have a feeling that SSP counts towards the 39 weeks. May be worth making a call to Job Centre (Income Support ) and ask the question. Hopefully the OP's son is not off work long term.

    The other possibility may be Council Tax Support/Reduction.
    • xylophone
    • By xylophone 24th Dec 17, 5:30 PM
    • 25,554 Posts
    • 15,090 Thanks
    xylophone
    He is single and loves alone.
    Um....too much information?


    Would it be possible for you to pay the mortgage for a few months while recovers from illness?

    He could repay you as soon as possible once he is in a better situation?
    • Ames
    • By Ames 24th Dec 17, 6:18 PM
    • 17,288 Posts
    • 30,457 Thanks
    Ames
    Does he have problems looking after himself because of his illness, if so how long has it been and how long is it expected to last?
    Unless I say otherwise 'you' means the general you not you specifically.
    • TELLIT01
    • By TELLIT01 24th Dec 17, 6:55 PM
    • 5,001 Posts
    • 5,407 Thanks
    TELLIT01
    You cannot claim ESA whilst receiving SSP

    https://www.gov.uk/employment-support-allowance/eligibility

    If there was an eligibility for an income based benefit then the correct benefit would be Income Support as claiming SSP is one of the criteria to claim Income Support.

    However, you have raised an interesting point 'when the going gets tough', as to whether the OP's son should make a claim now for Income support. He would not be eligible because SSP is more money than the single person's allowance for IS and housing costs are not added for 39 weeks BUT am unsure whether the 39 weeks only begin after a claim for IS has been made or whether the SSP period counts towards the 39 weeks.

    Can't access Decision Makers Guide at the moment but have a feeling that SSP counts towards the 39 weeks. May be worth making a call to Job Centre (Income Support ) and ask the question. Hopefully the OP's son is not off work long term.

    The other possibility may be Council Tax Support/Reduction.
    Originally posted by pmlindyloo
    I have to confess to getting a bit rusty on the rules around IS, but as I recall the initial IS claim will be closed from the outset but a letter should be sent to the claimant advising them to reclaim once SSP ends. Things might have changed following the change from 13 to 39 weeks qualifying period for mortgage interest support.
    • sheramber
    • By sheramber 25th Dec 17, 7:27 PM
    • 4,756 Posts
    • 3,557 Thanks
    sheramber
    How SMI is paid

    SMI is normally paid direct to your lender.

    Payments begin 39 weeks after you claim one of the following:

    Income Support
    Jobseeker!!!8217;s Allowance (JSA)
    income-related Employment and Support Allowance
    Universal Credit

    If you apply for any of these benefits on or after 7 July 2017, you won!!!8217;t be able to get SMI benefit. You can get an SMI loan instead.
    • Frogletina
    • By Frogletina 8th Jan 18, 11:11 AM
    • 3,057 Posts
    • 11,067 Thanks
    Frogletina

    Would it be possible for you to pay the mortgage for a few months while recovers from illness?

    He could repay you as soon as possible once he is in a better situation?
    Originally posted by xylophone
    I may have to do this, it all depends on what arrangement he can come to with his mortgage company.

    Does he have problems looking after himself because of his illness, if so how long has it been and how long is it expected to last?
    Originally posted by Ames
    His hospital op is on 12th, it all depends on how that goes. Or if it gets cancelled a third time. However, that is to do with his heart and he still has problems with mobility which means he could not currently do his job. He is managing to look after himself at home.

    He was also due to see Occupational Health at work on 12th - work are classing this a long term sick - coming up to 3 months off work.

    He has an appointment for Universal Credit tomorrow.

    frogletina
    Not Rachmaninov
    But Nyman
    The heart asks for pleasure first

    SPC 8 #441 £1567.31 SPC 9 #441 £1014.64 SPC 10 #441 £1164.13
    • Frogletina
    • By Frogletina 21st Mar 18, 9:39 AM
    • 3,057 Posts
    • 11,067 Thanks
    Frogletina
    An update.

    My son went back to hospital - he had a completely blocked artery but the good news was that his heart had bypassed itself. When reading up on this I found that good exercise is the one thing that can enable this - and fortunately I think we have to thank his job for this as he is on his feet constantly.

    He then went to for physio and made such good progress that he has been able to return to work - short hours at first but he is now up to full time hours again.

    He applied for Universal Credit, but was awarded 0.00. He was going to query that as it would have been impossible to live just on his SSP, but fortunately that is no longer necessary.

    frogletina
    Not Rachmaninov
    But Nyman
    The heart asks for pleasure first

    SPC 8 #441 £1567.31 SPC 9 #441 £1014.64 SPC 10 #441 £1164.13
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