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    • wallofbeans
    • By wallofbeans 13th May 18, 11:47 PM
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    wallofbeans
    benefits options
    • #1
    • 13th May 18, 11:47 PM
    benefits options 13th May 18 at 11:47 PM
    Hi All,

    A family member has got themselves into financial trouble. We've been waiting for this point for a long time and now I want to be able to offer sound and realistic advice.

    He was made redundant several years ago and didn't find another job in his area. I think there were elements of pride that then stopped him from looking into many other jobs and he put his head in the sand and has been living off of cashing in various small pension pots ever since.

    He is single, has no house and the savings money has almost dried up. He is renting a 3 bedroom house but lives on his own, and is soon to run out of money for the rent.

    He has never claimed any kind of benefits. I think this is pride again. I don't know how it works these days as the last time I claimed was 10 years ago.

    He is claimed his state pension, and possibly has a little more coming in from another pension pot he has been working is way through.

    Can anyone advise me what benefits he is entitled too?
Page 1
    • bigbill
    • By bigbill 14th May 18, 12:22 AM
    • 769 Posts
    • 448 Thanks
    bigbill
    • #2
    • 14th May 18, 12:22 AM
    • #2
    • 14th May 18, 12:22 AM
    Possibly?

    Pension Credit on 0800 99 1234 backdated three months

    Housing Benefit via his Council

    Council Tax Support via Council
    • wallofbeans
    • By wallofbeans 14th May 18, 7:26 AM
    • 940 Posts
    • 36 Thanks
    wallofbeans
    • #3
    • 14th May 18, 7:26 AM
    • #3
    • 14th May 18, 7:26 AM
    So no job seekers allowance? Is this because he is at retirement age? He keeps talking about getting a job but doesn't do anything about it...
    • wallofbeans
    • By wallofbeans 14th May 18, 7:29 AM
    • 940 Posts
    • 36 Thanks
    wallofbeans
    • #4
    • 14th May 18, 7:29 AM
    • #4
    • 14th May 18, 7:29 AM
    Possibly?

    Pension Credit on 0800 99 1234 backdated three months

    Housing Benefit via his Council

    Council Tax Support via Council
    Originally posted by bigbill
    How does he claim these things? Does he go to jobcentre? Or Is it all done online now? He doesn't really do the internet but I can talk him through it. Or can it be done over the phone?

    And any ideas how long it takes? His rent is due very soon and I doubt he has the money to cover it...
    • poppy12345
    • By poppy12345 14th May 18, 7:45 AM
    • 3,406 Posts
    • 3,280 Thanks
    poppy12345
    • #5
    • 14th May 18, 7:45 AM
    • #5
    • 14th May 18, 7:45 AM
    So no job seekers allowance? Is this because he is at retirement age? He keeps talking about getting a job but doesn't do anything about it...
    Originally posted by wallofbeans
    He can't claim JSA because of his age. See this link for pension credit and how to claim.
    https://www.gov.uk/pension-credit

    No idea how long it takes.

    He will need his tenancy agreement for housing benefit claim. This can take a few weeks.

    Pop his details into this benefits calculator to see what he could possibly claim.
    https://benefits-calculator.turn2us.org.uk/AboutYou
    • NeilCr
    • By NeilCr 14th May 18, 7:47 AM
    • 2,268 Posts
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    NeilCr
    • #6
    • 14th May 18, 7:47 AM
    • #6
    • 14th May 18, 7:47 AM
    This page gives information on benefits. If you click on the benefit required it will tell you how to claim

    https://www.citizensadvice.org.uk/benefits/

    For Council Tax Support and Housing Benefit contact your local council. You'll find how to claim on their website

    In some areas Universal Credit has replaced Housing Benefit

    You can check here for your dad

    https://www.citizensadvice.org.uk/benefits/universal-credit/before-you-apply/Check-if-youre-eligible-for-Universal-Credit/
    Last edited by NeilCr; 14-05-2018 at 7:52 AM.
    • Tabbytabitha
    • By Tabbytabitha 14th May 18, 7:51 AM
    • 4,214 Posts
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    Tabbytabitha
    • #7
    • 14th May 18, 7:51 AM
    • #7
    • 14th May 18, 7:51 AM
    Does he rent privately or is he in social housing?
    • wallofbeans
    • By wallofbeans 14th May 18, 8:08 AM
    • 940 Posts
    • 36 Thanks
    wallofbeans
    • #8
    • 14th May 18, 8:08 AM
    • #8
    • 14th May 18, 8:08 AM
    Does he rent privately or is he in social housing?
    Originally posted by Tabbytabitha
    He's renting privately. I'd like him to get on a list for social housing but...
    Last edited by wallofbeans; 14-05-2018 at 8:28 AM.
    • xylophone
    • By xylophone 14th May 18, 10:03 AM
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    xylophone
    • #9
    • 14th May 18, 10:03 AM
    • #9
    • 14th May 18, 10:03 AM
    He lives alone so doesn't need three bedrooms?

    Have you looked into his renting a one bedroom flat, either privately or through a housing association, particularly a HA scheme for those over 60?

    https://www.ageuk.org.uk/globalassets/age-uk/documents/factsheets/fs48_pension_credit_fcs.pdf will be worth a read.
    • wallofbeans
    • By wallofbeans 14th May 18, 10:16 AM
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    • 36 Thanks
    wallofbeans
    He lives alone so doesn't need three bedrooms?

    Have you looked into his renting a one bedroom flat, either privately or through a housing association, particularly a HA scheme for those over 60?

    https://www.ageuk.org.uk/globalassets/age-uk/documents/factsheets/fs48_pension_credit_fcs.pdf will be worth a read.
    Originally posted by xylophone
    Thanks for this. I know... Been trying with that sort of thing for years now. Eventually he'll have to though, and we are almost at that point...
    • wallofbeans
    • By wallofbeans 14th May 18, 10:26 AM
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    wallofbeans
    Does anyone know how it works if he got housing benefit etc for the house he is currently in but then moved to a smaller place... Does he have to apply again?

    The tricky thing with private renting is most houses say 'no benefits' so I assume you have to pay normally at first and then transition into paying via housing benefit... or at least that's what I remember doing when I needed to...
    • wallofbeans
    • By wallofbeans 14th May 18, 10:55 AM
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    wallofbeans
    I've just gone through a 'Pension Credit' calculator and it says he isn't entitled to Pension Credit "because your income or savings are above the maximum allowed for someone in your circumstances".

    And then I looked further and this is only for people who get less than 163 per week. But isn't the basic state pension 164 per week?

    I put everything at ZERO except for the basic state pension, and it still says this.. What's the point of calling it 'pension credit' if it doesn't help every pensioner...

    All this benefits stuff is very confusing.
    Last edited by wallofbeans; 14-05-2018 at 11:00 AM.
    • NeilCr
    • By NeilCr 14th May 18, 11:07 AM
    • 2,268 Posts
    • 3,054 Thanks
    NeilCr
    Can you go with your dad to your local CAB/advice centre. They can help you with the benefits and will also know how your local council works.
    • wallofbeans
    • By wallofbeans 14th May 18, 11:17 AM
    • 940 Posts
    • 36 Thanks
    wallofbeans
    Can you go with your dad to your local CAB/advice centre. They can help you with the benefits and will also know how your local council works.
    Originally posted by NeilCr
    I don't live anywhere near unfortunately, but will travel down if I have to. I'm hoping that I can make sense of the best options and he can do it himself. He is perfectly capable!

    It seems that pension credit is to top up older pensions that are less than the now standard rate. New pensioners are already getting the most they can so it doesn't apply. Or that's what it looks like to me...
    • xylophone
    • By xylophone 14th May 18, 1:33 PM
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    xylophone
    Not everybody who comes under the new system will necessarily be entitled to the full NSP.
    • wallofbeans
    • By wallofbeans 14th May 18, 1:39 PM
    • 940 Posts
    • 36 Thanks
    wallofbeans
    Not everybody who comes under the new system will necessarily be entitled to the full NSP.
    Originally posted by xylophone
    What's NSP mean? And how do they break down who is entitled to what?

    I'm trying to put together the simplest plan of action necessary. And I don't want to have him call the Pension Credit people if he is absolutely not entitled to anything from them. I am concerned that it will put him off moving on to the housing / council tax benefits, which he is definitely eligible for...
    • wallofbeans
    • By wallofbeans 14th May 18, 1:57 PM
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    • 36 Thanks
    wallofbeans
    Oh. Pension Credit is basically the new way of getting the state pension? I assumed it was an extra thing on top of the pension.

    I have no idea how he sorted out his state pension or how much he is currently getting. It seems as though, if he's getting less than 163 a week, it's worth him talking to them to see if it can be boosted in any way. Am I correct?
    • Mojisola
    • By Mojisola 14th May 18, 2:16 PM
    • 29,790 Posts
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    Mojisola
    He is renting a 3 bedroom house but lives on his own
    Originally posted by wallofbeans
    Would he be willing to have a lodger?
    • xylophone
    • By xylophone 14th May 18, 2:16 PM
    • 26,492 Posts
    • 15,733 Thanks
    xylophone
    NSP means New State Pension.

    https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/181237/single-tier-pension-fact-sheet.pdf

    but the (old) Basic State Pension at introduction of the new system was 119.30 and the NSP was 155.65.

    https://www.gov.uk/state-pension

    https://www.gov.uk/new-state-pension

    The Age UK Fact Sheet linked in my post above gives a very full explanation of how PC works.

    If your relation does not qualify for PC, his income might still be low enough for him to qualify for some discount on the Council Tax (check the Council's web site) or possibly some help towards rent- again, check the Council's web site.
    • wallofbeans
    • By wallofbeans 14th May 18, 2:20 PM
    • 940 Posts
    • 36 Thanks
    wallofbeans
    NSP means New State Pension.

    https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/181237/single-tier-pension-fact-sheet.pdf

    but the (old) Basic State Pension at introduction of the new system was 119.30 and the NSP was 155.65.

    https://www.gov.uk/state-pension

    https://www.gov.uk/new-state-pension

    The Age UK Fact Sheet linked in my post above gives a very full explanation of how PC works.

    If your relation does not qualify for PC, his income might still be low enough for him to qualify for some discount on the Council Tax (check the Council's web site) or possibly some help towards rent- again, check the Council's web site.
    Originally posted by xylophone
    He has no income except for his pension. I just googled state pension amount and got a figure of 164.50 which is what I used to calculate what other benefits he might be entitled to. But now it seems that he might be getting less than that.

    As far as I can tell, he should be entitled to housing benefit and council tax benefit of some sort.
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