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  • FIRST POST
    • wildcaz
    • By wildcaz 11th Mar 18, 11:17 AM
    • 6Posts
    • 2Thanks
    wildcaz
    Getting Married Query
    • #1
    • 11th Mar 18, 11:17 AM
    Getting Married Query 11th Mar 18 at 11:17 AM
    Hi.
    I'm 53, and terminally ill, not quite sure how long I've got, but probably less than a year. I'm getting ESA (support group £125 a week) , PIP, and severe disability premium. I'm single and have always lived alone, but I have a boyfriend who lives about an hour away. We see one another about once a week.

    As I have very little in the way of close family, we are contemplating getting married, so that I have a next of kin, and to simplify the inheritance situation (not to mention reducing inheritance tax). We have no intention of moving in together. We've lived apart quite happily for 20 years, but I think if we shared a home we'd be divorced within a week.

    So far my dealings with DWP have been very straightforward, I have a DS1500 which has meant that I've had to answer very few questions. I'm aware that getting married will reduce my benefits, but it's difficult to know by how much. Anybody have any idea? It's unlikely to stop me from marrying, but it might affect the timescale.
Page 1
    • NYM
    • By NYM 11th Mar 18, 11:51 AM
    • 3,590 Posts
    • 6,620 Thanks
    NYM
    • #2
    • 11th Mar 18, 11:51 AM
    • #2
    • 11th Mar 18, 11:51 AM
    I've no idea on the Benefits situation unfortunately, but just wanted to wish you a very happy marriage no matter how short it sadly may be.
    • Afraid of Kittens
    • By Afraid of Kittens 11th Mar 18, 12:25 PM
    • 59 Posts
    • 56 Thanks
    Afraid of Kittens
    • #3
    • 11th Mar 18, 12:25 PM
    • #3
    • 11th Mar 18, 12:25 PM
    You will be treated as a couple for benefit purposes and your partners income will be taken into account when calculating your entitlement. If he is working your ESA will cease.
    • tboo
    • By tboo 11th Mar 18, 1:07 PM
    • 666 Posts
    • 3,997 Thanks
    tboo
    • #4
    • 11th Mar 18, 1:07 PM
    • #4
    • 11th Mar 18, 1:07 PM
    Many moons ago during a training course with the DWP the trainer said a marraige certificate doesn't make you a couple until they determine you are.

    This may have been her point of view or the area she worked for or standard within the DWP,
    so
    OP wait and see what the say
    started on the No Clutter thread - 25/01/2018
    “You’re only here for a short visit. Don’t hurry, don't worry and be sure to smell the flowers along the way.” —Walter Hagen
    I don't have a diary - I do aim to be mortgage free by the beginning of August 2018
    04/06/18 £1000.87 to go
    • sheramber
    • By sheramber 11th Mar 18, 6:19 PM
    • 4,790 Posts
    • 3,588 Thanks
    sheramber
    • #5
    • 11th Mar 18, 6:19 PM
    • #5
    • 11th Mar 18, 6:19 PM
    Have you tried the benefits calculator

    https://benefits-calculator.turn2us.org.uk/AboutYou
    • Mojisola
    • By Mojisola 11th Mar 18, 6:25 PM
    • 29,385 Posts
    • 75,025 Thanks
    Mojisola
    • #6
    • 11th Mar 18, 6:25 PM
    • #6
    • 11th Mar 18, 6:25 PM
    As I have very little in the way of close family, we are contemplating getting married, so that I have a next of kin
    Originally posted by wildcaz
    You can nominate him as your next of kin now.

    Make sure his details are on your GP and hospital records.

    You can also carry a NOK card -
    www.royalfree.nhs.uk/patients-visitors/advice-and-support/next-of-kin/
    http://s3-eu-west-1.amazonaws.com/files.royalfree.nhs.uk/next_of_kin002.pdf
    Last edited by Mojisola; 11-03-2018 at 6:27 PM.
    • WillowCat
    • By WillowCat 11th Mar 18, 7:02 PM
    • 808 Posts
    • 984 Thanks
    WillowCat
    • #7
    • 11th Mar 18, 7:02 PM
    • #7
    • 11th Mar 18, 7:02 PM
    You have to be living in the same household to make a joint (IR) ESA claim. (HMRC have different rules for tax credits).

    Paragraph 43006 explains that a couple is "two people who are married to, or civil partners of, each other and are members of the same household, or two people who are not married to, or civil partners of, each other but are LTAMC."

    https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/658295/dmgch43.pdf

    So so long as you don't live together you should be able to retain your benefits. You must report the change of circumstances though, and be prepared for your decision to be investigated.
    • Alice Holt
    • By Alice Holt 11th Mar 18, 7:35 PM
    • 2,148 Posts
    • 2,507 Thanks
    Alice Holt
    • #8
    • 11th Mar 18, 7:35 PM
    • #8
    • 11th Mar 18, 7:35 PM
    Is the ESA income based or contribution based?

    If it's contribution-based then the £125 will not be affected, but you may lose the £62 pw SDP top up.
    The PIP will not be affected.

    Can I ask if the illness is Cancer.
    If so, then Macmillan have Benefit Caseworkers - https://www.macmillan.org.uk/information-and-support/organising/benefits-and-financial-support

    As will as helping with inheritance and IHT the marriage may enable you to pass on any pension entitlement, rather than it being lost.
    https://www.mariecurie.org.uk/help/support/benefits-entitlements/benefits-social-care-system/money#pensions

    Best wishes.
    Last edited by Alice Holt; 11-03-2018 at 7:40 PM.
    • TELLIT01
    • By TELLIT01 11th Mar 18, 7:36 PM
    • 5,017 Posts
    • 5,442 Thanks
    TELLIT01
    • #9
    • 11th Mar 18, 7:36 PM
    • #9
    • 11th Mar 18, 7:36 PM
    You will be treated as a couple for benefit purposes and your partners income will be taken into account when calculating your entitlement. If he is working your ESA will cease.
    Originally posted by Afraid of Kittens
    Very simplistic statement. The OP hasn't said whether they are entitled to Conts based ESA. If so, they will continue to receive ESA even with a partner, and their partner's income will not be considered.
    • poppy12345
    • By poppy12345 11th Mar 18, 9:37 PM
    • 2,830 Posts
    • 2,789 Thanks
    poppy12345
    Is the ESA income based or contribution based?

    If it's contribution-based then the £125 will not be affected, but you may lose the £62 pw SDP top up.
    The PIP will not be affected.



    Best wishes.
    Originally posted by Alice Holt
    Contribution based is £109.65 per week. The £125 you mentioned Alice will have the EDP included, which is £15.90. If the OP is claiming CB then they will keep £109.65 and may lose the rest.
    • Alice Holt
    • By Alice Holt 11th Mar 18, 10:10 PM
    • 2,148 Posts
    • 2,507 Thanks
    Alice Holt
    Contribution based is £109.65 per week. The £125 you mentioned Alice will have the EDP included, which is £15.90. If the OP is claiming CB then they will keep £109.65 and may lose the rest.
    Originally posted by poppy12345
    Of course, yes. My mistake.
    • wildcaz
    • By wildcaz 14th Mar 18, 11:12 AM
    • 6 Posts
    • 2 Thanks
    wildcaz
    Thanks everyone. I've been away from the computer for a couple of days, so didn't see all the replies.
    Yes, it's cancer, lung and bone, with kidney failure thrown in as a bonus. My partner is self employed, which will probably complicate things somewhat, I think we'll wait a while and see how the illnesses progress. Macmillan have already been very helpful, but they weren't sure about this.
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