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  • FIRST POST
    • Beenie
    • By Beenie 11th Feb 18, 2:13 PM
    • 1,216Posts
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    Beenie
    Bank balance limits and benefits
    • #1
    • 11th Feb 18, 2:13 PM
    Bank balance limits and benefits 11th Feb 18 at 2:13 PM
    My mother has dementia. This means that she has an inability to plan, go shopping, withdraw cash from the bank, and so her current account balance is about 10,000.

    She is in her mid-eighties, receives state pension, pension credit and housing benefit. Social services are involved and she has carers to oversee her medication and that she is eating.

    Can anyone advise what will happen about her bank account? It will only grow as she is frugal with her spending, and we are worried that it will affect her pension entitlement. Or does it only affect JSA and people of working age? A bit confused on this
Page 1
    • tomtom256
    • By tomtom256 11th Feb 18, 2:32 PM
    • 940 Posts
    • 1,715 Thanks
    tomtom256
    • #2
    • 11th Feb 18, 2:32 PM
    • #2
    • 11th Feb 18, 2:32 PM
    Anything over 10k in savings will affect pension credit, HB etc.

    savings limits for pensioners starts at 10k, its only 6k for working age benefits.
    • xylophone
    • By xylophone 11th Feb 18, 3:25 PM
    • 25,373 Posts
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    xylophone
    • #3
    • 11th Feb 18, 3:25 PM
    • #3
    • 11th Feb 18, 3:25 PM
    https://www.ageuk.org.uk/globalassets/age-uk/documents/factsheets/fs48_pension_credit_fcs.pdf

    Does she have an indefinite assessed income period?
    • Beenie
    • By Beenie 11th Feb 18, 3:39 PM
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    Beenie
    • #4
    • 11th Feb 18, 3:39 PM
    • #4
    • 11th Feb 18, 3:39 PM
    Xylophone, I don't know what that phrase means, so I don't know if she has it or not. Is it something I need to ascertain?
    • pmlindyloo
    • By pmlindyloo 11th Feb 18, 4:56 PM
    • 11,496 Posts
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    pmlindyloo
    • #5
    • 11th Feb 18, 4:56 PM
    • #5
    • 11th Feb 18, 4:56 PM
    To see if she has an assessed Income period look on her last Pension Credit award letter.

    If she does then any increase in her savings does not need to be reported and will not affect her Guarantee Pension Credit.

    If she doesn't then any savings over 10000 will reduce her PC by 1 for every 250 over the 10000.

    As long as she continues to receive any amount of guarantee Pension Credit will entitle her to full HB as it is now.

    Is she receiving Attendance Allowance?
    • Beenie
    • By Beenie 11th Feb 18, 5:09 PM
    • 1,216 Posts
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    Beenie
    • #6
    • 11th Feb 18, 5:09 PM
    • #6
    • 11th Feb 18, 5:09 PM
    I don't have access to her benefit/pensions mail. I live over 200 miles away and go see her every 8 weeks or so. That used to be enough, but she has rapidly declined in the last couple of months. Each time I visit, her desk is clear of correspondence apart from utility bills (which I pay). There is no cheque book, bank letters or anything from DWP. The bank won't deal with me as I am not the customer, and I have no idea how to talk to DWP. Don't you need a NI number for one thing? I don't know hers.
    • Ames
    • By Ames 11th Feb 18, 5:27 PM
    • 17,243 Posts
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    Ames
    • #7
    • 11th Feb 18, 5:27 PM
    • #7
    • 11th Feb 18, 5:27 PM
    The DWP won't be able to talk to you because of data protection laws. If she phoned them and then asked to hand the phone over to you then they would be able to.
    Unless I say otherwise 'you' means the general you not you specifically.
    • pmlindyloo
    • By pmlindyloo 11th Feb 18, 5:48 PM
    • 11,496 Posts
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    pmlindyloo
    • #8
    • 11th Feb 18, 5:48 PM
    • #8
    • 11th Feb 18, 5:48 PM
    Do you have power of attorney for her?
    • Beenie
    • By Beenie 11th Feb 18, 6:08 PM
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    Beenie
    • #9
    • 11th Feb 18, 6:08 PM
    • #9
    • 11th Feb 18, 6:08 PM
    No. And I can't get ot now due to her mental incapacity.
    • xylophone
    • By xylophone 11th Feb 18, 6:10 PM
    • 25,373 Posts
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    xylophone
    Xylophone, I don't know what that phrase means,
    Explained in link.
    • Beenie
    • By Beenie 11th Feb 18, 6:17 PM
    • 1,216 Posts
    • 1,235 Thanks
    Beenie
    Yes. I am told that I need an appointment with both myself and mother and a DWp visiting officer. That means making a train journey and booking a hotel room for an overnight stay. I can't do that a the drop of a hat, so we are looking at mid-March.
    • xylophone
    • By xylophone 11th Feb 18, 6:21 PM
    • 25,373 Posts
    • 14,969 Thanks
    xylophone
    Have you started looking into Deputyship/Appointeeship as discussed

    post 13 and 17.

    http://forums.moneysavingexpert.com/showthread.php?t=5789552
    • Beenie
    • By Beenie 11th Feb 18, 6:24 PM
    • 1,216 Posts
    • 1,235 Thanks
    Beenie
    Yes. I have asked about that. See #13 here.
    • Beenie
    • By Beenie 12th Feb 18, 8:33 PM
    • 1,216 Posts
    • 1,235 Thanks
    Beenie
    I spoke to her social worker today and she said that it was possible to apply for Powerof Attorney on-line. As long as the form is downloaded, completed by me and countersigned by someone who has known the donor (that is my mother) for over 2 years, it should be possible to avoid visiting a solicitor.

    The only snag is that DWP need to confirm her benefits in writing, which is yet another hurdle. Does anyone know if this can be done by my written request, or does mother have to ask for this info? She doesn't have a telephone by the way, and I don't think there's a DWP office local to her.
    • Beenie
    • By Beenie 12th Feb 18, 9:41 PM
    • 1,216 Posts
    • 1,235 Thanks
    Beenie
    Maybe it was LPoA instead of PoA.

    Is there much of a difference?
    • xylophone
    • By xylophone 13th Feb 18, 2:50 PM
    • 25,373 Posts
    • 14,969 Thanks
    xylophone
    You have said that your mother no longer has capacity.

    https://www.gov.uk/power-of-attorney

    Make, register or end a lasting power of attorney

    The donor


    must be 18 or over and have mental capacity to grant PoA.

    You need to go for appointeeship/deputyship as previously explained.
    • Beenie
    • By Beenie 13th Feb 18, 3:42 PM
    • 1,216 Posts
    • 1,235 Thanks
    Beenie
    The problem for most people is that there is so much info and conflicting advice out there. I was steered by a well-meaning clerk into considering POA (which as you say is not relevant).

    I have spoken with DWP about appointeeship, and we are now in the process of getting a visiting officer sorted out for the assesment/interview.

    Thanks!
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