Change of Circumstances

All about money
My relationship with my partner/carer has broken down. We both receive ESA contribution and are both in the Support Group.

We will both have to declare a change in circumstances.

But will it mean we have to apply for Universal Credit?

I've read someone that being in receipt of the severe disability premium protects against being migrated as things stand. However, I get awarded SDP in the working out letters, but then the monies are taken back off me because we are classed as having too much money.

But does it mean I will be protected from universal credit?

Thanks,
Hi Mark.

Change of circumstances ?

A must ... the DWP are not the happiest of bunnies ... even at the best of times.

Universal Credit ?

If rolled out on your manor ... yes ... there are some traps when switching over.

SDP ( Severe Disability Premium ) under UC ?

https://universalcreditinfo.net/myths/m ... sal-credit


Even under " Old Money " benefits , SDP would disappear when someone claimed Carers Allowance to look after that person.

An Online Benefits Calaculator ... ideal time for those " Whats ifs " ... and test that " Too much money " element quoted
... I presume savings / other income ? ... even under UC :

https://www.entitledto.co.uk/

Additionally useful for ensuring that all benefits / allowances are currently being claimed.

If any abnormalities are shown , feel free to bounce them off us here on the forum.
Thanks, Chris. I kinda guessed I'd be screwed. Still not sure what will happen. DWP not sure either. Advised me to contact my local authority. Something about a new housing benefit claim. If I can avoid UC I will. Seems wise to.
Your welcome.

Housing Benefit ?

Good luck with that ... a question of just how big is that gap on your manor.

Rents rising / Housing Allowance frozen ... a gap that gets wider on every rent review ?

The other problem ... UC rollout ... HB will fall under that heading ... and the main " Complaint " when first having
to claim under UC ... a mini library on that in the press since that UC steamroller started up !

Clain ANYTHING income related , UC will catch it !

If you already get benefits

Universal Credit will replace the following benefits :

Child Tax Credit
Housing Benefit
Income Support
income-based Jobseeker’s Allowance (JSA)
income-related Employment and Support Allowance (ESA)
Working Tax Credit

If you currently receive any of these benefits, you cannot claim Universal Credit at the same time.

Universal Credit is being introduced in stages across the UK. You do not need to do anything until you hear from the Department for Work and Pensions (DWP) about moving to Universal Credit, unless you have a change in circumstances.

Severe disability premium

You cannot claim Universal Credit if you either:

are getting the severe disability premium
got the severe disability premium within the last month and you’re still eligible for it

If you have a change of circumstances that affects the severe disability premium or your other benefits, report it and you’ll be told what to do next.
I lost the SDP when we moved in together as you can't get it unless you live alone.

All the other premiums are awarded and then taken away again in the award letter, because they class her income (also ESA support group) as my income

We both get contribution ESA

I used to get the premiums as income-related ESA, before we moved in together.

I also get PIP enhanced and lower. That will help me through the UC standard starvation period., Unfortunately my ex does not and so is going to struggle during herstandard UC starvation period, but I'll help her out if she allows.

I guess I'm going to be not be entitled to any premiums again. And will be on standard UC and PIP with noi protected premiums coz I lost them already.
Yep ... UC ... and those mines.

Many readers won't appreciate just what that steamroller will flatten !

Their time will come ...

Next step ... that calculator ... crunch some numbers ... inside / outside UC ...
is there a specific combination that produces the highest return ?

If so , given your new circumstances , can it be achieved ?

Don't forget ... UC ... just a title ... like a book ... it's the chapters ... the individual benefits ... that count !

( Days of old , for a married couple , living apart produced the best result ! )
Thanks, Chris. I'll do a bit of number-crunching later as advised.

The bizarre thing is that if you compare my income prior to the ex moving in, to when she did move in, with all the loss of premiums, council tax and housing benefit and wotnot, her real-world contribution to the household was £20 week. In other words, the government were getting away with supporting one very unwell person for £20 week.

Of course, the tradition of making it difficult for disabled people to live together in this country is a long and noble one. It's not like I didn;t know that.

These prejudices we are subected to have a very long pedigree indeed.

I dread a no-deal brexit for all kinds of reasons but of course anyone with any sense should know how the chancellor will be trying to balance the books... who are the people they'll come after first to make cuts in order that their infernal machine keeps ticking over

For all those that have ever wondered if they bcan swim the channel.... soon they might be testing it

Best wishes and thanks for the good vibe, it all helps
Your welcome , Mark.
TBH it looks like it'd be wise for both of us to remain in a broken relationship rather than claim UC. She will especially be up the creek due to the mandatory starvation period, as she has no-one to help her, no family, nowt and I'm afraid she is a bit aloof when it comes to eating tinned or processed food, she'd rather starve, and so probably would

I would be willing to help her out, and exchange her pot noodles and tins of beans for cash, so she can get herself actual nutritious stuff. thats if she would be willing to accept it.

this whole system is set up to cause pain and humiliation. if it comes to it I'll spend the days wandering around big food stores eating off the shelf until I'm full or get caught, whichever happens first.

I'll stop now as I'm procrastinating. I'll let you know how things pan out.

as a "couple" it is always of course financially prudent not to live together. it costs the treasury more money but somehow everyone is happier when people are not living together. Just have to then watch out for all the stasi stuff coz people are deeply suspicious in new ways when people who once lived together now don't live together. it's sometimes a great opportunity to really screw people over via the stasi informant hotlines.
Welcome indeed to CarerLand , Mark.

Half ... yes , half ... the 7.8 million are below / at / close to the official poverty line.

No caree = no carer.

So , double that number for our carees ... a cool 7.8 million ... out of the 14 million total !

EAT / HEAT / ROOF ... juggling pennies to ensure all three ... on a daily basis , every day !