Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • stephen77
    • By stephen77 13th Jun 19, 8:37 PM
    • 8,963Posts
    • 11,596Thanks
    stephen77
    child benefit - how to change it when OH is not mentally able
    • #1
    • 13th Jun 19, 8:37 PM
    child benefit - how to change it when OH is not mentally able 13th Jun 19 at 8:37 PM
    Posting on behalf of a a friend at work.

    His wife had a stroke and bed bound etc
    she is not physically or mentally able to change her child benefit over to her husband.

    The money is just going straight into her account and sitting there.

    He said he can get a solicitor to change power of attorney over to him. But that will cost £900. Which he has not got spare.

    Is there anyway he can get the child benefit changed over to his account so he can use it to benefit their children?
    Last edited by stephen77; 13-06-2019 at 8:45 PM.
Page 1
    • calcotti
    • By calcotti 14th Jun 19, 6:31 AM
    • 3,597 Posts
    • 2,427 Thanks
    calcotti
    • #2
    • 14th Jun 19, 6:31 AM
    • #2
    • 14th Jun 19, 6:31 AM
    Contact Child Benefit office to see if they can become an appointee https://www.gov.uk/claim-child-benefit-behalf-someone-else/if-someone-ill-or-disabled.
    • stephen77
    • By stephen77 14th Jun 19, 6:27 PM
    • 8,963 Posts
    • 11,596 Thanks
    stephen77
    • #3
    • 14th Jun 19, 6:27 PM
    • #3
    • 14th Jun 19, 6:27 PM
    Contact Child Benefit office to see if they can become an appointee https://www.gov.uk/claim-child-benefit-behalf-someone-else/if-someone-ill-or-disabled.
    Originally posted by calcotti

    Thank you.
    He was not aware of that form so is going to fill it when he finishes work.
    • calcotti
    • By calcotti 14th Jun 19, 7:19 PM
    • 3,597 Posts
    • 2,427 Thanks
    calcotti
    • #4
    • 14th Jun 19, 7:19 PM
    • #4
    • 14th Jun 19, 7:19 PM
    Thank you.
    He was not aware of that form so is going to fill it when he finishes work.
    Originally posted by stephen77
    Don’tknow If it will work - was just a suggestion, but definitely worth asking HMRC. They may be able to offer an alternative.
    • elsien
    • By elsien 14th Jun 19, 7:24 PM
    • 19,910 Posts
    • 50,593 Thanks
    elsien
    • #5
    • 14th Jun 19, 7:24 PM
    • #5
    • 14th Jun 19, 7:24 PM
    Appointee route is the way to go for benefits. This would also allow him to apply for benefits such as PIP on her behalf.

    However that will not allow him to manage her bank accounts or other assets. What does he mean, he can get power of attorney changed over to him?
    If there is already a power of attorney then it can't be amended if she lacks capacity to do so herself. If there isn't one, then it's too late, he would need to look at applying for deputyship if there are enough assets to make it worth while. He does not need a solicitor for that, he can download and complete the forms himself but there a a cost, both initially and ongoing.

    https://www.gov.uk/become-deputy

    It is not a quick process so if he feels it is necessary then he should do it sooner rather than later.
    Last edited by elsien; 14-06-2019 at 7:28 PM.
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
    • jenny54321
    • By jenny54321 14th Jun 19, 10:19 PM
    • 29 Posts
    • 12 Thanks
    jenny54321
    • #6
    • 14th Jun 19, 10:19 PM
    • #6
    • 14th Jun 19, 10:19 PM
    The fact that the lady is in receipt of child benefit she will automatically get national insurance contributions if she isnt working -
    • calcotti
    • By calcotti 15th Jun 19, 7:50 AM
    • 3,597 Posts
    • 2,427 Thanks
    calcotti
    • #7
    • 15th Jun 19, 7:50 AM
    • #7
    • 15th Jun 19, 7:50 AM
    The fact that the lady is in receipt of child benefit she will automatically get national insurance contributions if she isnt working -
    Originally posted by jenny54321
    Only if child is under 12 years old - but it's a good point.

    OP, if the child is under 12 your friend may want to see if they can simply get the benefit paid to a different account while keeping wife as the claimant so she gets NI credits if she needs them.
    Last edited by calcotti; 15-06-2019 at 7:53 AM.
    • Mojisola
    • By Mojisola 15th Jun 19, 8:09 AM
    • 31,571 Posts
    • 80,928 Thanks
    Mojisola
    • #8
    • 15th Jun 19, 8:09 AM
    • #8
    • 15th Jun 19, 8:09 AM
    As her health is so bad, she should be getting health benefits which will give her NI credits towards a pension.
    • calcotti
    • By calcotti 15th Jun 19, 10:58 AM
    • 3,597 Posts
    • 2,427 Thanks
    calcotti
    • #9
    • 15th Jun 19, 10:58 AM
    • #9
    • 15th Jun 19, 10:58 AM
    As her health is so bad, she should be getting health benefits which will give her NI credits towards a pension.
    Originally posted by Mojisola
    That would depend if she qualifies for ESA or UC, she may not depending on past work history, household income and current sickness status.
    • WillowCat
    • By WillowCat 15th Jun 19, 6:19 PM
    • 887 Posts
    • 1,062 Thanks
    WillowCat
    That would depend if she qualifies for ESA or UC, she may not depending on past work history, household income and current sickness status.
    Originally posted by calcotti
    If too much income/capital for means tested benefits, and she doesn't have the required NI conts, then she can (or rather he on her behalf once he has appointeeship) make a claim for credits only ESA.
    • stephen77
    • By stephen77 15th Jun 19, 8:37 PM
    • 8,963 Posts
    • 11,596 Thanks
    stephen77
    The fact that the lady is in receipt of child benefit she will automatically get national insurance contributions if she isnt working -
    Originally posted by jenny54321
    She is not working.
    She is unable to work.

    I am not sure what she or he is getting towards benefits.

    It was a conversation at work. He said he struggling with money since her stroke. Eg 2 good wage earners with full time jobs to 1 wage earner.
    He said he can not even claim her child benefit as in the OH name.
    He said he tried at the bank to no avail.

    I know this forum is a good for helping people. So thought I would post on his behalf as most likely get pointed in the right direction.

    I would not be surprised if they are entitled to more help than he is getting.
    Last edited by stephen77; 15-06-2019 at 8:48 PM.
    • stephen77
    • By stephen77 15th Jun 19, 8:49 PM
    • 8,963 Posts
    • 11,596 Thanks
    stephen77
    Don’tknow If it will work - was just a suggestion, but definitely worth asking HMRC. They may be able to offer an alternative.
    Originally posted by calcotti
    Still thank you. He did say the same thing, if they can't do it, they should know which department can.
    • stephen77
    • By stephen77 15th Jun 19, 8:51 PM
    • 8,963 Posts
    • 11,596 Thanks
    stephen77
    As her health is so bad, she should be getting health benefits which will give her NI credits towards a pension.
    Originally posted by Mojisola
    I am not sure.
    I will copy this thread into a work email on Monday as he may not be aware of the options he has available to him.
    • stephen77
    • By stephen77 15th Jun 19, 8:53 PM
    • 8,963 Posts
    • 11,596 Thanks
    stephen77
    Only if child is under 12 years old - but it's a good point.

    OP, if the child is under 12 your friend may want to see if they can simply get the benefit paid to a different account while keeping wife as the claimant so she gets NI credits if she needs them.
    Originally posted by calcotti
    They have 2 children under 12.
    They are both under 6 so plenty of years left before they are 12.
    • elsien
    • By elsien 15th Jun 19, 8:55 PM
    • 19,910 Posts
    • 50,593 Thanks
    elsien
    He could also look at council tax exemption for her on the grounds of severe mental impairment.
    Tell him to run the household income details through one of the benefits calculators such as entitledto or turn2us.
    But PIP is non means tested so he should definitely look into that.
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
    • stephen77
    • By stephen77 15th Jun 19, 8:58 PM
    • 8,963 Posts
    • 11,596 Thanks
    stephen77
    If too much income/capital for means tested benefits, and she doesn't have the required NI conts, then she can (or rather he on her behalf once he has appointeeship) make a claim for credits only ESA.
    Originally posted by WillowCat
    Without know exactly.
    She had been working about 18 years with 9 to 12 months off for maternity during that time.
    Not sure on her pay as never asked. But guessing 25,000 to 40,000 a year mark for a good couple of years before her stroke.
    I believe she was a part of a Final salary pension scheme.
    • stephen77
    • By stephen77 15th Jun 19, 9:01 PM
    • 8,963 Posts
    • 11,596 Thanks
    stephen77
    He could also look at council tax exemption for her on the grounds of severe mental impairment.
    Tell him to run the household income details through one of the benefits calculators such as entitledto or turn2us.
    But PIP is non means tested so he should definitely look into that.
    Originally posted by elsien
    Will do on Monday.
    I am not sure what he is paying.

    Thank you.
    • calcotti
    • By calcotti 15th Jun 19, 10:03 PM
    • 3,597 Posts
    • 2,427 Thanks
    calcotti
    Please also point your friend to 'new style' ESA. Wife will not be eligible if she currently receives Statutory Sick Pay but if she paid NI contributions from April 2016 to March 2018 will be eligible if not receiving SSP, or when it ends. New style ESA is not means tested so will not be affected by your friend's income or any joint capital they have.

    Benefits calculator will indicate whether they are eligible for Universal Credit - this will depend on income and savings. However if they are currently claiming tax credits they need to be aware that Universal Credit would end the tax credits. If they have access to an advice agency they may want to get a benefit check done.
    • stephen77
    • By stephen77 26th Jul 19, 8:19 PM
    • 8,963 Posts
    • 11,596 Thanks
    stephen77
    Thank you for the above help.

    They are in the process giving him and his wife a joint account.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

209Posts Today

2,404Users online

Martin's Twitter