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Pension Credit CUTBACK Announced ! Kiss Goodbye To Anything Upto £ 7,000 After 15 May ! - Page 2 - Carers UK Forum

Pension Credit CUTBACK Announced ! Kiss Goodbye To Anything Upto £ 7,000 After 15 May !

All about money
I guess that carers and disability sufferers are being hit by so many heartless cutbacks these days, Chris, that they often just don't have the time to check this stuff out until the reality hits them in a couple of months or so. You guys will probably have to 'get busy with the fizzy' then !

FWIW, some of the self-help forums operate FaceBook & Twitter pages - so maybe CarersUK might be able to do some 'outreach' that way ?

An earlier comment by MrsAverage in this thread has prompted me to start a thread here concerning the strange notion that CA is classed as 'taxable income.' It is only paid if the carer is actually 'caring' for a minimum of 35 hrs per week, as I understand. At the current CA rate, that is less than £2 per hour !!!
Yep ... what I / we post on the forum in respect of news goes mostly unread ... apathy rules supreme in CarerLand over the past decade.

We can only do so much ... like watching lambs going to the slaughterhouse without a bleat.

As for Carers UK , a law unto themselves ... they tend to do what they want to do.

Carers Allowance rate per hour ?

Even split within the £ 63.50 per week rate ... only 1 in 11 of the 7.8 million carer army claim it in the first place.

35 hours minimum ... £ 1.81 per hour

24 / 7 carers ... I was one ... deduct time sleeping ( Say 7 hours daily ... in deference to the recent Sleepover Judgement )
... 53p per hour.

So ... maximum £ 1.81 ... minimum 53p ... most will fall between the two.

As for senior citizen carers ... £ NIL per hour !

( By contrast , UK prisoners : The Justice Secretary will announce that under his plan, prisoners could get the minimum wage of £5.60 an hour. )
Chris From The Gulag wrote:35 hours minimum ... £ 1.81 per hour
As for senior citizen carers ... £ NIL per hour !
So when my wife hits retirement age (if she ever does at the current rate, bless her) - I guess her PIP will stop, and so will my CA (which is already reduced to £36 Carer Premium). Have I got that right ?
Chris From The Gulag wrote:( By contrast , UK prisoners : The Justice Secretary will announce that under his plan, prisoners could get the minimum wage of £5.60 an hour. )
When is this going to happen - do you know, Chris ?
PIP on reaching one's state retirement age ?

Although you must make a PIP claim before you reach 65, once you are awarded PIP, it can continue to be paid after 65 as long as you continue to satisfy the entitlement conditions.


Carers Premium would continue so long as PIP is being paid.

Once your own state pension kicks in , kiss goodye to CA and CP.

Prisoners ?

Unknown but ... I suspect soon ... upto date details are scarce even with an Internet search.

Carers Allowance ... taxable ?

In some cases , yes ... personal allowance is £ 11,850 before Income Tax kicks in.

If one has other income amounting to ... say £ 8,549 per annum ... CA ( £ 3,302 per annum ) would then ignite Income Tax.
Apologies for veering off-topic with this.
Chris From The Gulag wrote:
Tue Feb 19, 2019 3:18 pm
PIP on reaching one's state retirement age ?
Although you must make a PIP claim before you reach 65, once you are awarded PIP, it can continue to be paid after 65 as long as you continue to satisfy the entitlement conditions.
Carers Premium would continue so long as PIP is being paid.
Well, that's a relief, Chris. I haven't even dared to check the PIP rules for that (and I should have done, really). So it's the same principle as applies to the forthcoming Pension Credit/U.C. changes, in that if we are already receiving PIP/Pension Credit/CA, then we get to be 'waved through.' ! :arrow:
Phew... Yet again, I must count my blessings. :whistle:
Chris From The Gulag wrote:
Tue Feb 19, 2019 3:18 pm
Once your own state pension kicks in , kiss goodye to CA and CP.
Now this puzzles me a little. I got full CA originally, but now I'm getting State Pension & Pension Credit (PC), the CA disappeared, but the PC was increased by adding the Carer Premium (CP) amount. So - unless I have got it wrong (quite likely) - I think our Pension Credit 'ceiling' got lifted by £36 p/w at that point, and still remains.
Chris From The Gulag wrote:
Tue Feb 19, 2019 3:18 pm
Carers Allowance ... taxable ?

In some cases , yes ... personal allowance is £ 11,850 before Income Tax kicks in.

If one has other income amounting to ... say £ 8,549 per annum ... CA ( £ 3,302 per annum ) would then ignite Income Tax.
Yeah, sorry - I really meant "Technically taxable." It is counted toward any other (similarly 'taxable') income we receive or earn - but for those of us who are well below the Income Tax threshold, there is no real impact, I agree. But it is this "Technically taxable" categorisation which I have an issue with as regards the level of CA which is statutorily paid - and I must continue this rant in another thread ASAP !
Technically taxable ?

Yes ... the two keys ... other income and the first band of Income Tax.

Under that , no Income Tax.

Over that , Income Tax is payable.

Bill ... have you crunched some numbers through an Online Benefits Calculator ?

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

Should confirm your own take on this.

Any abnormalities shown up ?
Chris From The Gulag wrote:
Tue Feb 19, 2019 8:50 pm
Technically taxable ?

Yes ... the two keys ... other income and the first band of Income Tax.

Under that , no Income Tax.

Over that , Income Tax is payable.
CA is classed as 'Taxable Income,' I believe, Chris. Sure - us guys on the shop floor don't usually actually have to pay tax on it because of the 'two keys' which you mention. No argument with you there - and I'm well below that threshold myself. I am in fact not arguing - but taking the label of 'Taxable Income' and following that through in what I believe to be a logical sequence.
Chris From The Gulag wrote:
Tue Feb 19, 2019 8:50 pm
Bill ... have you crunched some numbers through an Online Benefits Calculator ?

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

Should confirm your own take on this.

Any abnormalities shown up ?
I fear I haven't made my point clear here, Chris. An online benefit calculator will tell me that I am 'doin' OK.'
Here's my point - are we really 'doin' OK' when we are getting paid less than the minimum wage per hour for what is classed as 'taxable income' ? That is earnings, isn't it ?
Sure - if we were working in some illegal sweat-shop in Calcutta for that wage, then perhaps we might have a case against our employer. But who is our employer in this case ? It is whoever pays us this pitiful 'Carer's Allowance' in place of the professional wage that they would have had to pay for professional care not that long ago - and then has the audacity to try and tax us on that as well !
Hi Bill ... your last bit... last full sp on this aspect coming right up ... and it's a heavyweight :

https://www.carersuk.org/forum/support- ... tone-36397

Note the date ... exactly what was proposed ... and the methologoly used to determine our " Place " in
the scheme of things.

As far as I am aware , nothing this major ever since.

I am sure that your blood pressure will rise ... in line with any other reader !

So many questions ... and NO answers since that time !

CarerWatch had a go during the last Carers Strategy across the whole spectrum ... but failed ... in 2009.

( I am the last of the CarerWatch crew still active. )

https://www.carersuk.org/forum/news-and ... hilit=2009


Anytime the word CARERS is mentioned in the House , that Report is the cornerstone !!!

For us , the original Carers Letter in 2009 ... now morphed into our " Lord Kitch " ... everything that is wrong in CarerLand
under one thread ... factually correct ... and in PLAIN English :

https://www.carersuk.org/forum/news-and ... rd%20kitch


It is fair to conclude that all family / kinship carers have been screwed by all and sundry since we were " Created " over 40
years ago.

As we " Save " the taxpayers some £ 140m BILLION per year , who is brave enough in political circles to change that ?

.... and win a majority in the House on that mandate ???

I've said this for 15+ years ... the words of a judge are our strongest ally ... and ... pehaps ... the only ally.

Green Paper / Carers Strategy later this year ... once that is published ... it will be Goodnight Vienna for a generation !

https://www.carersuk.org/forum/news-and ... 20strategy


The heading of that thread says it all ... in my opinion.
WOW ! You have given me some bed-time reading there, Chris - thank you (I think ? :shock: !!!) I think I can now see that I am just a 'Johnny-Come-Lately' keyboard warrior rattling a lone sabre - when the likes of yourself and others have already fought that battle a decade ago. I'll read up on what looks like a large part of your own 'forum memoirs' - and report back.

"I may be some time..." :(
Take all the time you need Bill.

It is a long read ... frustrating read ... and history of carers as dictated by the Government through the DWP.

Mainly all me as I'm the only one left ... nobody else seems at all interested in expanding on the work I and others did ,
and mainly regurgitate now in the light of the conditions in 2019.

Still ... it's their funeral ... not mine.

CarerWatch ... always willing to let any reader see our archives ... will show what a dedicated group could
achieve ... looking back , and with what we had at our disposal , we certainly punched above our weight.

Just let me know.

To understand today , one must know what went on yesterday.