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New here, working and benefits?

Posted: Wed Sep 06, 2017 6:11 pm
by C_1709
Hi all I'm very new here.

For the last six years I've been a full time carer and I'm now in the position to get some part time work.

It says I can't work more than 16 hours or earn more than 116 a week. Most places want you to work 16 hours a week and that throws me over the threshold which means I'll lose everything and be worse off.

It's only me and my mother at home and I'm doing it for us to get a little extra money, I don't mean to sound greedy! I just want to do better!

It mentions that if you earn 116 after taxes or national insurance you aren't entitled. After I spent the money travelling etc it wouldn't be worth my while to lose everything. I'm just stressed and confused. I feel a little hopeless right now.

Thanks so much for taking the time to read this and for any help.



I keep editing this 🙈 I honestly am clueless after reading this.. how do you pay into a pension.. how do I get one? I've not thought of things like this it's all very overwhelming.

Last edit.. I think

Re: New here, working and benefits?

Posted: Wed Sep 06, 2017 6:29 pm
by bowlingbun
Hi C, welcome to the forum. Of course you are not being greedy, in an ideal world you would be paid a decent Carers Allowance, not a pittance! Carers UK has a brilliant helpline to answer your query, give them a ring, or email them, and they will give you an answer.

Re: New here, working and benefits?

Posted: Wed Sep 06, 2017 8:54 pm
by susieq
I suggest that you contact the Carers UK Adviceline team as they are the experts on all matters related to caring and benefits.
Need expert advice? You can talk to the Carers UK Adviceline five days a week, no matter where you are in the UK or how complex your query is. We do benefits checks and advise on financial and practical matters related to caring.

Freephone: 0808 808 7777
email: advice@carersuk.org

Carers UK’s advice and information team based in London is undergoing staff changes. This means the Adviceline is closed on Thursdays and Fridays whilst we recruit and train new members of staff. We will be taking calls on Monday – Wednesday between 10am and 4pm. . You can email or write to the Adviceline and we will respond to your enquiries within five working days.

The Carers UK Adviceline also includes a listening service, there for you to talk through your caring situation with a trained volunteer who understands what you are going through. Available Mondays and Tuesdays, from 10am to 4pm.
They will be able to explain to you the deductions you can make so that your earnings come within the £116 limit.
If you can’t get through on the phones (lines are often oversubscribed) then send them an email, they’ll usually get back to you within 3-5 working days.

Re: New here, working and benefits?

Posted: Fri Sep 08, 2017 12:20 am
by C_1709
Thank you for getting back to me. I think I've worked out that I need to may into a pension scheme to keep myself right.

I know its silly but does this mean I lose the income support too?

I haven't said anything to anyone about the job interviews I have. I'm really nervous, it's a big step but mostly I'm scared of the change. Terrified of it and it just feels so silly.

If I'm being totally honest, my best friend has just recently returned to work after having a child and she's doing it with such ease. I'm so happy for her! I just feel even more stagnant.


I love being home with my mother! we have the best relationship and helping her is a pleasure because it's just natural. I'd like to be able to bring in some more money, it would just be nice to do that.


I think I'm just too embarrassed to vocalise my fears because I'm a grown woman and I shouldn't feel this way. It's a step I know I need to take and I have done for a long time but I'm scared.


I only came on here to talk about money issues and I'm spilling all my secrets 🙈

Re: New here, working and benefits?

Posted: Fri Sep 08, 2017 6:43 am
by susieq
C_1709 wrote:
Fri Sep 08, 2017 12:20 am
Thank you for getting back to me. I think I've worked out that I need to may into a pension scheme to keep myself right.

I know its silly but does this mean I lose the income support too?

I haven't said anything to anyone about the job interviews I have. I'm really nervous, it's a big step but mostly I'm scared of the change. Terrified of it and it just feels so silly.

If I'm being totally honest, my best friend has just recently returned to work after having a child and she's doing it with such ease. I'm so happy for her! I just feel even more stagnant.


I love being home with my mother! we have the best relationship and helping her is a pleasure because it's just natural. I'd like to be able to bring in some more money, it would just be nice to do that.


I think I'm just too embarrassed to vocalise my fears because I'm a grown woman and I shouldn't feel this way. It's a step I know I need to take and I have done for a long time but I'm scared.


I only came on here to talk about money issues and I'm spilling all my secrets 🙈
Yes, paying into a pension plan will help - you can deduct 50% of any pension payments to reduce your earnings to just below the £116 limit. I don't know about Income Support but our Adviceline team will be able to advise you on that. They will also be able to advise on other deductions you can legitimately make.

Please don't feel embarrassed here - most of us have been in the same or similar circumstances and so we do understand the fears/emotions involved and we don't make judgements - just offer our support :)