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  • FIRST POST
    • Aldea2015
    • By Aldea2015 4th Mar 18, 1:32 PM
    • 12Posts
    • 2Thanks
    Aldea2015
    PIP and Housing Benefit - living at home
    • #1
    • 4th Mar 18, 1:32 PM
    PIP and Housing Benefit - living at home 4th Mar 18 at 1:32 PM
    Back in 2016 I became suddenly very unwell and have been unable to work since. I have had to live with my parents due to my illhealth and lack of income to support financial independence. I am housebound and can only really get out with help - I have some friends and a sister who have been great.

    It's been a tough couple of years. My mum doesn't want me to be here and I am frequently subjected to emotional and verbal bullying and bizarre restrictions - she has mental health issues which are a part of the problem. I'm in my late 30s and I am told when to go to bed, just to give one example of the sort of behaviour I am faced with. I have frequently ended up on my sister's sofa for safety reasons. I have since developed severe chronic stomach issues which I think are a result of the longterm stress and distress of living here. My Cortisol is also dangerously high.
    Anyway, you get the picture. The last two years have been as miserable as hell and contributed to worsening health issues.
    Last autumn I finally had the strength, with the help of a friend, to apply for PIP and was awarded higher mobility and also placed in the ESA support group. I also received a backdated payment for ESA (which is enough to cover a rent deposit and fees).

    Living at home has affected both my mental and physical health and destroyed my confidence and I am desperate to get away at almost any cost. I finally feel with the PIP/ESA payments that it might be financially possible to live some sort of life of my own. I have friends and a sister who would be able to provide any support I needed. I have been advised by a number of people to apply for housing benefit for my own place. From what I have seen, I should be entitled. My concern is that will currently living at home with my parents make this difficult?

    Has anyone been in a similar position? How did you proceed?

    Thanks in advance for any help/advice.
Page 1
    • pmlindyloo
    • By pmlindyloo 4th Mar 18, 1:48 PM
    • 11,475 Posts
    • 13,369 Thanks
    pmlindyloo
    • #2
    • 4th Mar 18, 1:48 PM
    • #2
    • 4th Mar 18, 1:48 PM
    Your difficulty may be in getting a place to rent because you are on benefits.

    Have you actually found a place to live? If not then it might be worth speaking to your local council to see if they can help. You could apply to go o the housing register. Otherwise you can try local lettings agents but they are usually quite stringent and may require a guarantor or 6 months rent in advance. But you may be lucky.

    If you have difficulty with letting agents then look in your local newspaper/shop windows for places to rent. Don't forget to ask friends/sister if they know anyone.

    If you can find somewhere there is absolutely no reason for you not to be entitled to housing benefit and council tax reduction. For privately rented accommodation you would be eligible for the one bed local housing allowance rate. (I am presuming you are over 35?) It is worth looking on your local council website to see what this is. You should base your search on rents around this figure as this is the maximum they would pay for housing benefit.

    You would need a tenancy agreement to show the council to be eligible for HB.

    Have you been awarded the daily living part of PIP?

    It sounds a horrible situation to be in so I wish you luck. Please ask any other questions you may have and we will try and help.

    PS. I am presuming that you are receiving/entitled to income based ESA - i.e you have savings less than 16000.
    • pmlindyloo
    • By pmlindyloo 4th Mar 18, 1:51 PM
    • 11,475 Posts
    • 13,369 Thanks
    pmlindyloo
    • #3
    • 4th Mar 18, 1:51 PM
    • #3
    • 4th Mar 18, 1:51 PM
    Whoops, forgot about Universal Credit.

    Put your postcode into this link and see if you are in a full service area.

    https://www.citizensadvice.org.uk/benefits/universal-credit/before-you-apply/Check-if-youre-eligible-for-Universal-Credit/

    If you are then you will need to apply for Universal Credit as you will be making a new claim for HB.
    • Aldea2015
    • By Aldea2015 4th Mar 18, 2:09 PM
    • 12 Posts
    • 2 Thanks
    Aldea2015
    • #4
    • 4th Mar 18, 2:09 PM
    • #4
    • 4th Mar 18, 2:09 PM
    @pmlindyloo
    Thank you for replying.

    Yes, I have heard that this could be a huge obstacle. Somebody suggested approaching landlords and explaining my circumstances and that they might realise I am not the housing benefit cliche they fear. But I have also heard that some landlords cannot take housing benefit claimants as their insurance doesn't cover it so no matter how reliable, honest clean and quiet I am they simply wouldn't be able to accept me as a tenant. I haven't started applying so I don't know exactly how bad or difficult this situation is.
    I have not found a place to live, I wasn't sure of the order - do I need to find a place before I apply for housing benefit? And how could I apply with no current means ie HB to pay the rent? It seems like a catch 22 situation because I'm at home trying to get out.

    I'm 36. I believe the housing benefit is 480 in my area - although I haven't seen a single studio or one bedroom flat for less than 550 in the area (I've been looking on Rightmove to see what is available) - many also state no 'DSS'. It's going to be a struggle, I know.

    I was awarded standard daily care PIP.

    Would I be right in thinking the best thing for me to do would be to apply for council housing, rather than trying to go privately?

    The site says I'm in a 'live service' area.
    • Aldea2015
    • By Aldea2015 4th Mar 18, 2:27 PM
    • 12 Posts
    • 2 Thanks
    Aldea2015
    • #5
    • 4th Mar 18, 2:27 PM
    • #5
    • 4th Mar 18, 2:27 PM
    You'd probably be better off in Council or Housing Association housing (both in terms of cost and security). Unfortunately, unless you can show they you're a priority, you'd be in for a very long wait (potentially years).

    Would shared housing be a possibility?
    Originally posted by Penitent
    Due to my health issues I would rather not be in shared housing. My privacy at the moment is quite important to me and I need, for example, constant access to a toilet. I would also need frequent visits from friends and my sister to help me with various things.

    I assume that the process for shared accommodation is the same as a single flat - needing to find a landlord willing to take on a housing benefit tenant?
    • pmlindyloo
    • By pmlindyloo 4th Mar 18, 2:41 PM
    • 11,475 Posts
    • 13,369 Thanks
    pmlindyloo
    • #6
    • 4th Mar 18, 2:41 PM
    • #6
    • 4th Mar 18, 2:41 PM
    @pmlindyloo
    Thank you for replying.

    Yes, I have heard that this could be a huge obstacle. Somebody suggested approaching landlords and explaining my circumstances and that they might realise I am not the housing benefit cliche they fear. But I have also heard that some landlords cannot take housing benefit claimants as their insurance doesn't cover it so no matter how reliable, honest clean and quiet I am they simply wouldn't be able to accept me as a tenant. I haven't started applying so I don't know exactly how bad or difficult this situation is.
    I have not found a place to live, I wasn't sure of the order - do I need to find a place before I apply for housing benefit? And how could I apply with no current means ie HB to pay the rent? It seems like a catch 22 situation because I'm at home trying to get out.

    I'm 36. I believe the housing benefit is 480 in my area - although I haven't seen a single studio or one bedroom flat for less than 550 in the area (I've been looking on Rightmove to see what is available) - many also state no 'DSS'. It's going to be a struggle, I know.

    I was awarded standard daily care PIP.

    Would I be right in thinking the best thing for me to do would be to apply for council housing, rather than trying to go privately?

    The site says I'm in a 'live service' area.
    Originally posted by Aldea2015




    I believe that new claims are not possible in live service areas at the moment. Only in full service area.

    Telephone your local CAB in the morning and ask them if you made a new HB claim whether you would have to claim UC. Also ask them when your area goes to a full service area (if it already isn't)

    This is important because if you are receiving the standard/higher daily living rate of PIP and no one receives Carer's Allowance for you then when you move into your lovely flat you would be entitled to the Severe Disability Premium with your ESA (you are on income based ESA aren't you?). This is an extra 60 ish a week. Very useful extra money.

    The SDP is not paid with Universal Credit.

    So, dependent on what CAB say there may be a time frame that you need to be aware of, particularly if your area moves to a full service area in the next few months.

    Yes, you need a tenancy agreement before you apply for HB and Council Tax Reduction.

    So, telephone to CAB first, then trip to the council, (you never know they may have a list of landlords who take people on benefits) then start looking. (Avoid Rightmove - letting agents as, from experience, these letting agents/landlords are not going to be flexible.)
    • Aldea2015
    • By Aldea2015 4th Mar 18, 3:14 PM
    • 12 Posts
    • 2 Thanks
    Aldea2015
    • #7
    • 4th Mar 18, 3:14 PM
    • #7
    • 4th Mar 18, 3:14 PM
    [/B]

    I believe that new claims are not possible in live service areas at the moment. Only in full service area.

    Telephone your local CAB in the morning and ask them if you made a new HB claim whether you would have to claim UC. Also ask them when your area goes to a full service area (if it already isn't)

    This is important because if you are receiving the standard/higher daily living rate of PIP and no one receives Carer's Allowance for you then when you move into your lovely flat you would be entitled to the Severe Disability Premium with your ESA (you are on income based ESA aren't you?). This is an extra 60 ish a week. Very useful extra money.

    The SDP is not paid with Universal Credit.

    So, dependent on what CAB say there may be a time frame that you need to be aware of, particularly if your area moves to a full service area in the next few months.

    Yes, you need a tenancy agreement before you apply for HB and Council Tax Reduction.

    So, telephone to CAB first, then trip to the council, (you never know they may have a list of landlords who take people on benefits) then start looking. (Avoid Rightmove - letting agents as, from experience, these letting agents/landlords are not going to be flexible.)
    Originally posted by pmlindyloo
    Thank you, it's difficult to know what to do in these circumstances when you are operating at significantly reduced brain and physical capacity.
    I'll call CAB and arrange a friend to help me visit the council. I don't know much about UC - only the various horror stories that are around about people have delayed and also drastically-reduced benefits.
    Time is of the essence as we speak, I need to get away from these stress sources for my poor stomach for one.
    Regarding ESA, I was on contribution-based for the first year (it took 15 months from applying for me to have my assessment). I currently get a little extra on the standard 109 rate for support group. I didn't know about SDP which could be a lifesaver for me if eligible - thank you.
    • weavedribbon
    • By weavedribbon 6th Mar 18, 12:53 AM
    • 106 Posts
    • 269 Thanks
    weavedribbon
    • #8
    • 6th Mar 18, 12:53 AM
    • #8
    • 6th Mar 18, 12:53 AM
    You've been given brilliant advice already but just wanted to add your local gumtree site can also be a good place to look for flats to rent. I'm on housing benefit and have pets and have found accommodation from there more easily from elsewhere. Also when the advert says no DSS it's sometimes worth asking if you really like the property. Some landlords are more flexible than others. Good luck with your search!
    • Starrystarrynight1
    • By Starrystarrynight1 6th Mar 18, 11:47 AM
    • 193 Posts
    • 339 Thanks
    Starrystarrynight1
    • #9
    • 6th Mar 18, 11:47 AM
    • #9
    • 6th Mar 18, 11:47 AM
    On top of all the great advice here, I'd just like to wish you the best of luck, OP. Hope you get sorted very soon.
    -------------------------------------------------------------------------------------------------
    I used to be Starrystarrynight on MSE, before a log in technical glitch!
    • Nullboris
    • By Nullboris 6th Mar 18, 6:19 PM
    • 19 Posts
    • 10 Thanks
    Nullboris
    Expect to wait a long time with the Councils, even with Health Issues . I waited nearly 5 years . Its ok now tho, Housing wise.
    • Aldea2015
    • By Aldea2015 8th Mar 18, 7:38 PM
    • 12 Posts
    • 2 Thanks
    Aldea2015
    Thank you, it's difficult to know what to do in these circumstances when you are operating at significantly reduced brain and physical capacity.
    I'll call CAB and arrange a friend to help me visit the council. I don't know much about UC - only the various horror stories that are around about people have delayed and also drastically-reduced benefits.
    Time is of the essence as we speak, I need to get away from these stress sources for my poor stomach for one.
    Regarding ESA, I was on contribution-based for the first year (it took 15 months from applying for me to have my assessment). I currently get a little extra on the standard 109 rate for support group. I didn't know about SDP which could be a lifesaver for me if eligible - thank you.
    Originally posted by Aldea2015
    Following on from this, I finally managed to speak to somebody at CAB (they're very busy!) and was informed that if I did open a claim for housing benefit, I would be transferred to Universal Credit. I'm panicking slightly as the I'm on the support group with a disability premium and the UC equivalent equates to an 180 month loss of benefit - and it was tight as it was.

    I know I still have to get out but the loss of income will be a massive blow to me. Talk about kicking people who are down.
    • pocketstrings
    • By pocketstrings 9th Mar 18, 11:34 AM
    • 73 Posts
    • 38 Thanks
    pocketstrings
    Oh my god, me too!
    Aldea, I am in exactly the same situation! I am forty and since 2003 have been severely disabled and living with my mum. But, like yours she is abusive and controlling and I also always feel my cortisol is through the roof. I am very depressed and she often makes me feel suicidal. I use much of my benefits paying for counselling just to deal with living at home and a third I give to my mother.

    I have always wanted to move out, but it seemed impossible as I have been on the council waiting list for years, despite having been recognised as having medical need to move, can't buy a place obviously and housing benefit won't cover anything in my general area i.e. near my doctor, specialist etc.

    But now a flat has come up which a friend will let me for an affordable rate.

    The problem is, I am sure if I move out DWP will stop my PIP.

    Even though my condition is the same as it ever was, in fact worse, I know they will say that if I am well enough to move out I must be less ill and therefore they will stop my PIP, as they kind of awarded on the idea that my living at home proves I am very ill and that my mum must be helping me. even though I tried to explain this is not the situation etc ad of course they should just accept my condition for what it is - we all know what DWP should do and what they do in reality are two very different things.

    Without PIP my benefits will just be ESA and I don't know if I'll be able to cope as I have a lot of expenses due to the severity of my disability e.g. I need to get food shipping delivered, often need a taxi to medical appointments etc.

    To add to the confusion, my PIP, which shouldn't be erased till next February is going to be erased now, so I have that going on too.

    It'd be great to be able to chat this all through with someone in the same situation - maybe we could message each other directly?
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