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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 2
    • wallofbeans
    • By wallofbeans 14th May 18, 2:22 PM
    • 887 Posts
    • 35 Thanks
    wallofbeans
    Would he be willing to have a lodger?
    Originally posted by Mojisola
    I asked this, and he wasn't keen. And I also wondered if this would be allowed under his tenancy agreement? Or if it would be allowed if he was claiming housing benefit?
    • sheramber
    • By sheramber 14th May 18, 7:37 PM
    • 4,852 Posts
    • 3,638 Thanks
    sheramber
    You can check online the maximum housing benefit he could be entitled, depending on his income, to which may not cover all his rent

    He will only be due the local authority allowance for a one bedroom house.

    https://lha-direct.voa.gov.uk/search.aspx
    • wallofbeans
    • By wallofbeans 14th May 18, 7:39 PM
    • 887 Posts
    • 35 Thanks
    wallofbeans
    You can check online the maximum housing benefit he could be entitled, depending on his income, to which may not cover all his rent

    He will only be due the local authority allowance for a one bedroom house.

    https://lha-direct.voa.gov.uk/search.aspx
    Originally posted by sheramber
    I've some more detail and I don't think he'll get any Pension Credit at all, but he should get Housing Benefit that covers half his rent - which is better than nothing and makes his current situation manageable.
    • xylophone
    • By xylophone 14th May 18, 7:48 PM
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    xylophone
    I just googled state pension
    State pension amounts vary from individual to individual.

    Some higher earning individuals who had a long working life and never contracted out could have a substantial amount over the old basic state pension or indeed the new state pension.

    https://www.mattioliwoods.com/userfiles/pdf/mattioli%20woods%20state%20pension%20provision%20f actsheet%20apr16.pdf
    • Murphybear
    • By Murphybear 15th May 18, 12:45 AM
    • 3,613 Posts
    • 7,400 Thanks
    Murphybear
    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...
    Originally posted by wallofbeans
    To give you some idea. My OH and I recently moved into a HA property for the over 55s. They are happy to accept housing benefit, according to the manager about 70% of the tenants claim it. Unlike renting privately there were no agency fees, deposit or referencing so it was a lot less painful than renting privately plus more security.

    Most retirement flats tend to be one bedroomed so he would have to downsize. Our rent includes maintenance of grounds and communal areas, including a large lounge (with snooker table) and kitchen and there is a guest suite where friends and relatives can stay for 8 a night. We also have a laundry room with brand new Miele washers and dryers, use of these is included in the rent.

    Sorry if it sounds like an advert but I thought it might be useful to hear about someone!!!8217;s personal experience. We are fortunate to live in a very desirable area as well
    • xylophone
    • By xylophone 15th May 18, 10:58 AM
    • 25,785 Posts
    • 15,236 Thanks
    xylophone
    My OH and I recently moved into a HA property for the over 55s.
    I suggested (post 9) that this possibility should be explored but the OP's relative seems reluctant to move house.
    • wallofbeans
    • By wallofbeans 20th Jun 18, 1:11 PM
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    • 35 Thanks
    wallofbeans
    Just had an update on this, which is slightly confusing me --

    It turns out all his pension income (from various jobs over the years and his state pension) totals at on average 1200 a month. And this has cancelled him out of getting any benefits apparently.

    The strange thing is that they've given him a payment for this month and three months of back pay, totalling around 1700, and I don't quite understand why they've given him this when they also say he's getting nothing more. This is based upon what he's told me, I'm hoping a letter from the council might arrive and it'll make more sense...

    Anyone got any ideas what this money might be for?

    It's a real shame as he has no savings at all, doesn't own any property, and they seem to be saying that he has to spend all his pension money before they'll help out at all.
    • poppy12345
    • By poppy12345 20th Jun 18, 1:54 PM
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    poppy12345
    totals at on average 1200 a month.

    three months of back pay, totalling around 1700, and I don't quite understand why they've given him this when they also say he's getting nothing more.
    Originally posted by wallofbeans
    This doesn't make sense, it's like a contradiction. I really think you should wait for the letter to see exactly what is says, then either post back here, or ring them to find out what's going on.
    Last edited by poppy12345; 20-06-2018 at 2:58 PM. Reason: spelling error
    • wallofbeans
    • By wallofbeans 20th Jun 18, 2:08 PM
    • 887 Posts
    • 35 Thanks
    wallofbeans
    This does make sense, it's like a contradiction. I really think you should wait for the letter to see exactly what is says, then either post back here, or ring them to find out what's going on.
    Originally posted by poppy12345
    Assuming a letter is coming.. I'm just hoping that is the case..

    I've gone back to the online calculators and even with the 1200 pension income (and assuming that 124 a week of it is state pension) he should still be getting 79 per week.

    Do you think they will talk to me about it? I assumed they'd only talk to him..
    Either way, I'll come back here as soon as I get a letter or any further details. I'm baffled!
    • poppy12345
    • By poppy12345 20th Jun 18, 2:57 PM
    • 2,962 Posts
    • 2,915 Thanks
    poppy12345
    Assuming a letter is coming.. I'm just hoping that is the case..

    I've gone back to the online calculators and even with the 1200 pension income (and assuming that 124 a week of it is state pension) he should still be getting 79 per week.

    Do you think they will talk to me about it? I assumed they'd only talk to him..
    Either way, I'll come back here as soon as I get a letter or any further details. I'm baffled!
    Originally posted by wallofbeans
    Only if you're his appointee. If you're not then he will have to ring them and go through security before they will speak to you.
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