Welfare Rights Welfare Rights

Training 2015Training 2015

A claimant under pension A claimant under pension age could be claiming?could be claiming?

Income SupportIncome SupportJobseekers AllowanceJobseekers Allowance

Employment Support AllowanceEmployment Support AllowanceIncapacity BenefitIncapacity Benefit

Severe Disablement AllowanceSevere Disablement AllowanceUniversal CreditUniversal Credit

Which one would give them theWhich one would give them the

most income? most income?

Would you be able to tell themWould you be able to tell them

which one to claim?which one to claim?

By the end of today you should By the end of today you should

be able to tell them!be able to tell them!

INCOME MAXIMISATIONINCOME MAXIMISATION

What’s this all about?What’s this all about?

The ability to listen, fact find, and notice The ability to listen, fact find, and notice that something is missing, advise that something is missing, advise accordingly, helping to identify further accordingly, helping to identify further claims due. claims due.

Thus increasing the weekly income of any Thus increasing the weekly income of any client.client.

How do you do this?How do you do this?

INCOME MAXIMISATIONINCOME MAXIMISATION

Interview and listen carefullyInterview and listen carefully

Think aheadThink ahead

Write down or record Write down or record

the facts / information giventhe facts / information given

on a case record sheeton a case record sheet

Check this information again Check this information again

at the endat the end

Calculate existing entitlements Calculate existing entitlements

using the above using the above

informationinformation

Submit and backdate any and Submit and backdate any and

all existing claims identified at all existing claims identified at

this first stagethis first stage

Identify any possible new Identify any possible new

claims dueclaims due

Re-calculate again as if theseRe-calculate again as if these

claims where awarded / paidclaims where awarded / paid

Submit any and all claims that Submit any and all claims that

would become payable only if would become payable only if

or when these new claims are or when these new claims are

paid / awardedpaid / awarded

Clearly explain to the client Clearly explain to the client

what will or will not happenwhat will or will not happen

The following are normalThe following are normal

He is 63, has CB-ESA at £109.30 and Low rate He is 63, has CB-ESA at £109.30 and Low rate DLA Care at £21.80, he claims no HB & CT DLA Care at £21.80, he claims no HB & CT Benefit as refused earlier due to excess savings. Benefit as refused earlier due to excess savings. So pays full Rent at £72 weekly and Council Tax So pays full Rent at £72 weekly and Council Tax at £14 weekly he has savings at £21,400. Benefit at £14 weekly he has savings at £21,400. Benefit check requested.check requested.

Interview, think ahead, write down, and checkInterview, think ahead, write down, and checkagain, all done.again, all done.

CALCULATE (Ignore DLA)CALCULATE (Ignore DLA)

Income now £ Income now £

Employment Support 109.30 Employment Support 109.30

Savings £21,400Savings £21,400 Savings limit £16,000 for HB – CTB – IB/ESA Savings limit £16,000 for HB – CTB – IB/ESA

ANY CLAIMS? NEW CLAIMS?ANY CLAIMS? NEW CLAIMS?

RE-CALCULATE (Ignore DLA)RE-CALCULATE (Ignore DLA)

Income now £ Applicable amount £Income now £ Applicable amount £

Incapacity 109.30 Pension Credit 151.20 Incapacity 109.30 Pension Credit 151.20

Tariff on savings 23.00 Tariff on savings 23.00

Pension Credit 18.90 Pension Credit 18.90

Total 151.20 Total 151.20Total 151.20 Total 151.20

Claims: Claims:

Pension Credit due £18.90 weeklyPension Credit due £18.90 weekly

(£151.20 - £132.30 = £18.90 PC due)(£151.20 - £132.30 = £18.90 PC due)

Arrears 13 x £18.90 = £245.70Arrears 13 x £18.90 = £245.70

HB now due in full £72 weekly (Arrears £936)HB now due in full £72 weekly (Arrears £936)

CT now due in full £14 weekly (Arrears £182)CT now due in full £14 weekly (Arrears £182)

(Backdating limited to three months)(Backdating limited to three months)

Couple under 60:

He has Employment Support Allowance Contribution Based (CBESA) at £73.10 weekly and Disability Living Allowance at Middle Rate Care (£55.10) and Low Rate Mobility (£21.80) he also has an Occupational Pension at £24.25 weekly, she only has Carers Allowance at £62.10 They pay £6.50 rent and £2 Council Tax.

He has failed the ESA medical scoring nil points and is looking for help to appeal.

Calculate (Ignore DLA)Calculate (Ignore DLA)

Income Now £’s Applicable Amount £’sIncome Now £’s Applicable Amount £’s

ESA (CB) 73.10 Couple ESA 114.85ESA (CB) 73.10 Couple ESA 114.85

Carers Allowance 62.10 Carer Premium 34.60Carers Allowance 62.10 Carer Premium 34.60

Occ Pension 24.25Occ Pension 24.25

Total 159.45 149.45Total 159.45 149.45

Excess income £10 x 65% (£6.50) x 20% (£2)Excess income £10 x 65% (£6.50) x 20% (£2)

Challenge the ESA decision?Challenge the ESA decision?

Any other claims?Any other claims?

What about her claiming Income Support?What about her claiming Income Support?

Re-Calculate (Ignore DLA) Re-Calculate (Ignore DLA)

Income Now £’s Applicable Amount £’sIncome Now £’s Applicable Amount £’s

ESA (CB) 73.10 Couple 114.85ESA (CB) 73.10 Couple 114.85

Carers Allowance 62.10 Carer Premium 34.60Carers Allowance 62.10 Carer Premium 34.60

Occ Pension 24.25 Disability Premium 45.95Occ Pension 24.25 Disability Premium 45.95

Total 159.45 195.40 Total 159.45 195.40

Income Support now due at £35.95Income Support now due at £35.95

Rent & CT now paid in full so £8.50 weekly savedRent & CT now paid in full so £8.50 weekly saved

Couple: Couple:

Both over 65, one has DLA at Both over 65, one has DLA at Middle Rate Care (£55.10) and theMiddle Rate Care (£55.10) and theother has Attendance Allowanceother has Attendance Allowanceat (£82.30) weekly at (£82.30) weekly

The AA has only recently beenThe AA has only recently beenawardedawarded

Other incomes? Other incomes?

Both have weekly Retirement Both have weekly Retirement Pensions at £160 & £98.30 Pensions at £160 & £98.30

They pay rent @ £6.50 weekly and They pay rent @ £6.50 weekly and Council Tax @ £2 weekly Council Tax @ £2 weekly

They live aloneThey live alone

Interview, think ahead, write down, andInterview, think ahead, write down, andCheck again, all doneCheck again, all done

Income now £ Applicable amount (Before AA) £Income now £ Applicable amount (Before AA) £ Retirement Pension 160 Pensioner Couple 230.85Retirement Pension 160 Pensioner Couple 230.85 Retirement Pension 98.30 Retirement Pension 98.30

Total 258.30 Total 230.85Total 258.30 Total 230.85

Over 65 So Add full Savings Credit To HB/CTB 17.45 Over 65 So Add full Savings Credit To HB/CTB 17.45 (This is a HB & CTB figure only) (248.30))(This is a HB & CTB figure only) (248.30))

Rent x 65% CT x 20% Excess Income 10.00Rent x 65% CT x 20% Excess Income 10.00

Council Tax paid now £2 Rent paid now £6.50Council Tax paid now £2 Rent paid now £6.50

CALCULATE (Ignore DLA & AA)CALCULATE (Ignore DLA & AA)

ANY CLAIMS? NEW CLAIMS?

Claim:

Carers Allowance x 2

Pension Credit

Backdated three months

RE-CALCULATE

(Ignore DLA & AA)

Income now £ Applicable amount £

Retirement Pension 160 Pensioner Couple 230.85

Retirement Pension

98.30

Severe Disability Prem x 2

123.70

Carer Premium 34.60

Carer Premium 34.60

Total 258.30423.75

Savings Credit Due in full @

£17.45

Rent paid now 00.00 Pension Credit Due £165.45

Council Tax paid now 00.00 (£423.75 - £258.30 =

£165.45)

Claims?Claims?

Carers Allowance £62.10 x 2 (Underlying only) Backdated 13 weeks Carers Allowance £62.10 x 2 (Underlying only) Backdated 13 weeks

Pension Credit GT On-Going @ £165.45 weekly Backdated 13 weeks Pension Credit GT On-Going @ £165.45 weekly Backdated 13 weeks @ £2,150 @ £2,150

Pension Savings Credit On-Going @ £17.45 Backdated 13 weeks Pension Savings Credit On-Going @ £17.45 Backdated 13 weeks @ £227@ £227

Housing Benefit increase @ £6.50 weekly Backdated 13 weeks Housing Benefit increase @ £6.50 weekly Backdated 13 weeks @ £84.50 @ £84.50

Council Tax increase @ £2 weekly Backdated 13 weeks Council Tax increase @ £2 weekly Backdated 13 weeks @ £26@ £26

£191.40 weekly increase in income (PC/GT £165.45, PC/SC £17.45, Rent £191.40 weekly increase in income (PC/GT £165.45, PC/SC £17.45, Rent / HB £6.50, Council Tax £2) / HB £6.50, Council Tax £2)

Arrears paid @ £2,488 Arrears paid @ £2,488

Carers Allowance will be awarded but not be Carers Allowance will be awarded but not be PAID,PAID, due to the Retirement Pensions of a due to the Retirement Pensions of a higher value, however underlying entitlement higher value, however underlying entitlement will give the Carer/s Premiums x 2 (£34.60) will give the Carer/s Premiums x 2 (£34.60) within their applicable amount so additional within their applicable amount so additional PC will be due PC will be due

Rent & Council Tax will be nil due to PC/GT Rent & Council Tax will be nil due to PC/GT

Due to backdating Pension Credit client will Due to backdating Pension Credit client will get a refund of any Rent & Council Tax get a refund of any Rent & Council Tax already paid for that time.already paid for that time.

SDP X 2 WILL STILL BE PAID AS SDP X 2 WILL STILL BE PAID AS UNDERLYING CARERS DOES NOT STOP ITUNDERLYING CARERS DOES NOT STOP IT

Couple with 2 children under 10Couple with 2 children under 10

Husband works 18 hours at £130 weeklyHusband works 18 hours at £130 weekly

Partner has no income at all, she recently Partner has no income at all, she recently got awarded DLA Low Care (£21.80) got awarded DLA Low Care (£21.80)

They also have Child Tax Credit at £115 They also have Child Tax Credit at £115 and Child Benefit at £34.40and Child Benefit at £34.40

They had until April 2012 Working Tax Credit at They had until April 2012 Working Tax Credit at £80 weekly but due to the 24 hour couple rule this £80 weekly but due to the 24 hour couple rule this was stopped.was stopped.

They have a mortgage at £50 weekly and are They have a mortgage at £50 weekly and are struggling to pay the household bills etc.struggling to pay the household bills etc.

They already get full Council Tax BenefitThey already get full Council Tax Benefit

What if any claims are available to them?What if any claims are available to them?

What about her claiming means tested ESA if she What about her claiming means tested ESA if she can get a sick line?can get a sick line?

Calculate (Ignore DLA)Calculate (Ignore DLA)

Income Now £’s Applicable Amount £’sIncome Now £’s Applicable Amount £’s

Wages 130 Couple 114.85 Wages 130 Couple 114.85

Earnings Disregard 20 Earnings Disregard 20

Total 130 134.85Total 130 134.85

ESA due £4.85 not a lot to help with the mortgage ESA due £4.85 not a lot to help with the mortgage

Anything else? Anything else?

Now that she has the DLA she is Now that she has the DLA she is classed as disabled for Working classed as disabled for Working Tax Credit purposes so they are Tax Credit purposes so they are now due Working Tax Credit again now due Working Tax Credit again even although he only works 18 even although he only works 18 hours, this is worth about £80 hours, this is worth about £80 weekly.weekly.

That will help with the mortgageThat will help with the mortgage

Couple with one disabled child Couple with one disabled child under 16, the child recently got under 16, the child recently got DLA at Middle Rate CareDLA at Middle Rate Care

She works 22 hours earning She works 22 hours earning £180 weekly.£180 weekly.

Partner has no incomePartner has no income

They also have Child Benefit at They also have Child Benefit at £20.70 and Child Tax Credit at £20.70 and Child Tax Credit at £65 weekly.£65 weekly.

No Working Tax Credit paid No Working Tax Credit paid since April 2012 due to the 24 since April 2012 due to the 24 hour couple rule.hour couple rule.

Any other claims?Any other claims?

The Child Tax Credit at £65 weekly is very The Child Tax Credit at £65 weekly is very low for a disabled child? low for a disabled child?

Suggesting that they have failed to tell Tax Suggesting that they have failed to tell Tax Credits that the child now has DLA? Credits that the child now has DLA?

This DLA award will increase the Child Tax This DLA award will increase the Child Tax Credits by about £58 weekly, backdating is Credits by about £58 weekly, backdating is now limited to one month, unless Tax now limited to one month, unless Tax Credits are told quickly following the DLA Credits are told quickly following the DLA award.award.

Anything else?Anything else?

He can now claim and backdate a He can now claim and backdate a Carers Allowance claim worth Carers Allowance claim worth £62.10 weekly for him looking after £62.10 weekly for him looking after the disabled childthe disabled child

As he is now a Carer, she only has As he is now a Carer, she only has to work 16+ hours now (Rather to work 16+ hours now (Rather than the previous 24 hours) to than the previous 24 hours) to allow Working Tax Credit to be paid allow Working Tax Credit to be paid at about £80 weeklyat about £80 weekly

Single person aged 48 who was Single person aged 48 who was working full time but is now off work working full time but is now off work sick. sick.

She is getting paid basic Statutory Sick She is getting paid basic Statutory Sick Pay (SSP) at £88.45 weekly, she also Pay (SSP) at £88.45 weekly, she also has Working Tax Credits at £12.55 has Working Tax Credits at £12.55 weekly and DLA at Low Rate Mobility.weekly and DLA at Low Rate Mobility.

Any other claims?Any other claims?

What about Income Support?What about Income Support?

Calculate (Ignore DLA) Calculate (Ignore DLA)

Income Now £’s Applicable Amount £’sIncome Now £’s Applicable Amount £’s

SSP 88.45 Single 73.10SSP 88.45 Single 73.10

Working Tax 12.55 Disability Prem 32.25Working Tax 12.55 Disability Prem 32.25

No Disregard ? No Disregard ? Total 101 105.35Total 101 105.35

Income Support due £4.35 weeklyIncome Support due £4.35 weekly

SSP allows an Income Support SSP allows an Income Support claim if your income/s are below claim if your income/s are below your applicable amount.your applicable amount.

Although HB & CTB count SSP Although HB & CTB count SSP as earnings and allow an as earnings and allow an earnings disregard IS counts it earnings disregard IS counts it as other income with no earning as other income with no earning disregard allowed.disregard allowed.

This man has been working part time for This man has been working part time for the last 4 years earning just £140 weekly the last 4 years earning just £140 weekly for his 18 hours worked. for his 18 hours worked.

He has now turned 60 and is asking you He has now turned 60 and is asking you about him claiming Pension Credit?about him claiming Pension Credit?

He lives with his brother who owns the He lives with his brother who owns the house.house.

Any claims?Any claims?

Pension Credit is not available for Pension Credit is not available for people aged 60 now so that is not an people aged 60 now so that is not an option for him.option for him.

What about Working Tax Credit?What about Working Tax Credit?

People aged over 60 can now get WTC People aged over 60 can now get WTC if they work over 16+ hours and their if they work over 16+ hours and their income / earnings are low enough?income / earnings are low enough?

He should get about £50 weeklyHe should get about £50 weekly

This couple are both under 60This couple are both under 60

She works full time earning £400 She works full time earning £400 weeklyweekly

His only income now is his work His only income now is his work Occupational Pension at £200 weeklyOccupational Pension at £200 weekly

They own the house with no mortgage They own the house with no mortgage and pay full Council Taxand pay full Council Tax

They have a disabled daughter with They have a disabled daughter with Downs Syndrome in the house aged 30 Downs Syndrome in the house aged 30

She has ESA (£125.05) and DLA at the She has ESA (£125.05) and DLA at the High Rate Care and High Rate MobilityHigh Rate Care and High Rate Mobility

They are asking for a benefit check for They are asking for a benefit check for their daughter?their daughter?

Clearly the daughter has her full legal Clearly the daughter has her full legal entitlements at this time! entitlements at this time!

Anything Else?Anything Else?

Dad can claim and backdate Carers Dad can claim and backdate Carers Allowance at £62.10 weeklyAllowance at £62.10 weekly

His Occupational Pension at £200 His Occupational Pension at £200 weekly does not stop him claiming this weekly does not stop him claiming this

He should let HMRC know as Carers He should let HMRC know as Carers Allowance is a taxable benefit so he Allowance is a taxable benefit so he may pay some tax on his pensionmay pay some tax on his pension

Anything else?Anything else?

Looking at the daughter with the High Care Looking at the daughter with the High Care of DLA and Downs Syndrome the chances of DLA and Downs Syndrome the chances are she would fit the severely mentally are she would fit the severely mentally impaired criteria for Council Tax exemptionimpaired criteria for Council Tax exemption

That then leaves 2 adults in the house mum That then leaves 2 adults in the house mum and dad.and dad.

They could They could both claimboth claim a Carers Exemption a Carers Exemption from Council Tax making them both invisible from Council Tax making them both invisible as well that leaves no adults in the house so as well that leaves no adults in the house so a 50% Council tax discount would apply.a 50% Council tax discount would apply.

This person has a severely disabled child This person has a severely disabled child with DLA and has had Carers Allowance at with DLA and has had Carers Allowance at £62.10 weekly for the past two years £62.10 weekly for the past two years

She also works 12 hours weekly earning She also works 12 hours weekly earning £104 so is just below the Carers earnings £104 so is just below the Carers earnings limit at £110, her partner works full-time.limit at £110, her partner works full-time.

Her employer has asked her to work 10 Her employer has asked her to work 10 hours overtime for the next 3 weeks hours overtime for the next 3 weeks

She is worried about her Carers Allowance She is worried about her Carers Allowance stopping and is looking for your advice?stopping and is looking for your advice?

Once you have had Carers Allowance Once you have had Carers Allowance for over 22 weeks you are allowed 4 for over 22 weeks you are allowed 4 weeks holidays or a break from caring weeks holidays or a break from caring just like someone employedjust like someone employed

During this 4 week period you can go During this 4 week period you can go over the normal £110 weekly earnings over the normal £110 weekly earnings limit and remain entitled to Carers limit and remain entitled to Carers AllowanceAllowance

This can be done every 22 weeksThis can be done every 22 weeks

This couple have come to you looking This couple have come to you looking for help as he has been made for help as he has been made redundant last week after 35 yearsredundant last week after 35 years

He is 61 years old. He got £28,000 He is 61 years old. He got £28,000 redundancy and has a weekly company redundancy and has a weekly company pension at £124 weeklypension at £124 weekly

She is 63 with her old age pension at She is 63 with her old age pension at £68 weekly£68 weekly

He has been told by his union at work to He has been told by his union at work to claim Jobseekers Allowance they say he claim Jobseekers Allowance they say he should get £73.10 weekly Contribution should get £73.10 weekly Contribution Based JSA for 6 months due his previous Based JSA for 6 months due his previous National Insurance ContributionsNational Insurance Contributions

They have full rent to pay at £80 weekly They have full rent to pay at £80 weekly and full Council Tax at £25 weeklyand full Council Tax at £25 weekly

What would you advise them to do?What would you advise them to do?

He could claim Contribution Based He could claim Contribution Based Jobseekers at £73.10 weekly but Jobseekers at £73.10 weekly but he would get paid nothing due to he would get paid nothing due to his works pension as anything over his works pension as anything over £50 comes of his JSA £ for £ £50 comes of his JSA £ for £

So £124 - £50 = £74 excessSo £124 - £50 = £74 excess

Their capital at £28,000 will then Their capital at £28,000 will then stop any claim for HB & CTB stop any claim for HB & CTB

She should be advised to claim Pension Credit. She should be advised to claim Pension Credit. Calculation:Calculation:

Income £’s Applicable Amount £’sIncome £’s Applicable Amount £’s

Old Age pension 68 Couple 230.85Old Age pension 68 Couple 230.85Work Pension 124Work Pension 124Savings Tariff 36 Savings Tariff 36

Total 228 230.85Total 228 230.85

Pension Credit Guarantee due £2.85 weeklyPension Credit Guarantee due £2.85 weekly

More importantly they now get full HB at £80 & full More importantly they now get full HB at £80 & full CTB at £25CTB at £25

Couple under 40:Couple under 40:

She has DLA at Middle Rate Care and She has DLA at Middle Rate Care and Employment Support Allowance at £102.15 Employment Support Allowance at £102.15 weekly. weekly.

He is off work sick and has Statutory Sick He is off work sick and has Statutory Sick Pay from work at £88.45 weekly. Pay from work at £88.45 weekly.

She claims HB & CTB and they now pay She claims HB & CTB and they now pay rent at £17.35 and Council Tax at £5.34 both rent at £17.35 and Council Tax at £5.34 both weekly.weekly.

HB / CTB Calculation (Ignore DLA) HB / CTB Calculation (Ignore DLA)

Income now £ Applicable amount £ Income now £ Applicable amount £ Employment Support 102.15 Couple ESA Work Related 143.90 Employment Support 102.15 Couple ESA Work Related 143.90 Statutory Sick Pay 88.45 SSP Disregard 20Statutory Sick Pay 88.45 SSP Disregard 20 Total 190.60 Total 163.90Total 190.60 Total 163.90

Excess Income £26.70 (£190.60 - £163.90 = £26.70) Excess Income £26.70 (£190.60 - £163.90 = £26.70)

Rent x 65% = £17.35 Council Tax x 20% + £5.34 Rent x 65% = £17.35 Council Tax x 20% + £5.34

Any claims?Any claims?

Can he claim Carers Allowance Can he claim Carers Allowance

while on Statutory Sick Pay?while on Statutory Sick Pay?

Income now £ Applicable amount £Income now £ Applicable amount £ Employment Support 102.15 Couple ESA Work Related 143.90 Employment Support 102.15 Couple ESA Work Related 143.90 Statutory Sick Pay 88.45 SSP Disregard 20.00Statutory Sick Pay 88.45 SSP Disregard 20.00Carers Allowance 62.10 Carer Premium 34.60Carers Allowance 62.10 Carer Premium 34.60

Total 252.70 Total 198.50 Total 252.70 Total 198.50

Excess Income £54.20 (£252.70 - £198.50 = £54.20)Excess Income £54.20 (£252.70 - £198.50 = £54.20)

Rent x 65% = £35.23 previously £17.35 Rent x 65% = £35.23 previously £17.35

Council Tax x 20% = £10.84 previously £ 5.34Council Tax x 20% = £10.84 previously £ 5.34

Gained Carers at £62.10 Paying extra £23.38 in Rent & CT Gained Carers at £62.10 Paying extra £23.38 in Rent & CT

Any other claims?Any other claims?

It may be your Council would do It may be your Council would do

this anyways?this anyways?

Swap the Housing Benefit Swap the Housing Benefit

claimants?claimants?

Income now £ Applicable amount £Income now £ Applicable amount £ Employment Support 102.15 Couple 114.85 Employment Support 102.15 Couple 114.85 Statutory Sick Pay 88.45 SSP Disregard 20.00 Statutory Sick Pay 88.45 SSP Disregard 20.00 Carers Allowance 62.10 Carer Premium 34.60 Carers Allowance 62.10 Carer Premium 34.60 Disability Premium 45.95 Disability Premium 45.95 Total 252.70 Total 215.40 Total 252.70 Total 215.40

Excess Income £37.30 (£252.70 - £215.40 = £37.30) Excess Income £37.30 (£252.70 - £215.40 = £37.30)

Rent x 65% = £24.25 Council Tax x 20% = £ 7.46 Rent x 65% = £24.25 Council Tax x 20% = £ 7.46

Previously £35.23 Previously £10.84 Previously £35.23 Previously £10.84

Total Saving of £14.36 Total Saving of £14.36

This middle age couple have various This middle age couple have various benefits paid including?benefits paid including?

Contribution based ESA for him at £109.30 Contribution based ESA for him at £109.30 he also has an Income based ESA top up at he also has an Income based ESA top up at £64.35 making a total of £173.65 weekly. £64.35 making a total of £173.65 weekly.

He also has DLA at Middle Care and just He also has DLA at Middle Care and just recently his partner has also been awarded recently his partner has also been awarded Low Daily Living of PIP as well.Low Daily Living of PIP as well.

They are requesting a benefit check?They are requesting a benefit check?

Due to the new PIP award they are Due to the new PIP award they are now due a double Severe Disability now due a double Severe Disability Premium an extra £123.70 weekly.Premium an extra £123.70 weekly.

Carers Allowance at £62.10 can be Carers Allowance at £62.10 can be claimed by him but it will not be paid claimed by him but it will not be paid due to his Contribution Based ESA due to his Contribution Based ESA £109.30 paid at a higher value. £109.30 paid at a higher value.

They will still get the Carer Premium at They will still get the Carer Premium at £34.60 added.£34.60 added.

If his partner claimed Carers Allowance If his partner claimed Carers Allowance it would be paid giving them the extra it would be paid giving them the extra value of the Carer Premium at £34.60 value of the Carer Premium at £34.60 weekly. weekly.

But they would then lose one SDP But they would then lose one SDP worth £61.85 weekly, so a net loss of worth £61.85 weekly, so a net loss of £27.25 weekly.£27.25 weekly.

Any backdated Carers Allowance does Any backdated Carers Allowance does not lose any SDP already paid.not lose any SDP already paid.

The Severe Disability PremiumThe Severe Disability Premium

This is worth £61.85 weekly per person who qualifies This is worth £61.85 weekly per person who qualifies and is paid in most means tested benefits.and is paid in most means tested benefits.

To qualify you must have middle or high care of To qualify you must have middle or high care of DLA, AA, PIP daily living component or certain DLA, AA, PIP daily living component or certain industrial injuries and war disablement pensions.industrial injuries and war disablement pensions.

And And

You count as living aloneYou count as living alone

And And

No one gets No one gets paidpaid Carers Allowance for you Carers Allowance for you

The Carer PremiumThe Carer Premium

This is worth £34.60 for each person that qualifies This is worth £34.60 for each person that qualifies and is included in means tested benefits.and is included in means tested benefits.

To qualify you must claim and be paid Carers To qualify you must claim and be paid Carers Allowance or have entitlement but not paid due to Allowance or have entitlement but not paid due to another overlapping benefit of a higher value.another overlapping benefit of a higher value.

Overlapping benefits include, Contribution Based Overlapping benefits include, Contribution Based ESA, Incapacity, Severe Disablement Allowance ESA, Incapacity, Severe Disablement Allowance (SDA), Retirement Pensions, Maternity Allowance, (SDA), Retirement Pensions, Maternity Allowance, Contribution Based Jobseekers, Widows and Contribution Based Jobseekers, Widows and Bereavement Benefits. Bereavement Benefits.

No claim is needed in Universal CreditNo claim is needed in Universal Credit

The Disability Premium in HB, CTB, The Disability Premium in HB, CTB, IBJSA & ISIBJSA & IS

Any of the following will allow this Any of the following will allow this premium at £32.25 weekly for premium at £32.25 weekly for single people and £45.95 for single people and £45.95 for

couples?couples?

DLA, PIP, SDA, & IncapacityDLA, PIP, SDA, & Incapacity

The Enhanced Disability Premium The Enhanced Disability Premium in HB, CTB, IBJSA & IS in HB, CTB, IBJSA & IS

The High Care of DLA will allow The High Care of DLA will allow this premium at £15.75 weekly for this premium at £15.75 weekly for single people, £22.60 for couples single people, £22.60 for couples

and £24.43 for children?and £24.43 for children?

The Enhanced Disability The Enhanced Disability Premium in HB, CTB, IB/ESA Premium in HB, CTB, IB/ESA

The Support Group of ESA will The Support Group of ESA will also allow this premium at also allow this premium at

£15.75 weekly for single people, £15.75 weekly for single people, £22.60 for couples£22.60 for couples

If you come across anyone who If you come across anyone who has full HB and/or full CTB and has full HB and/or full CTB and they are not on a means tested they are not on a means tested benefit alarm bells should start benefit alarm bells should start ringing as they may be below ringing as they may be below their applicable amount and their applicable amount and possibly should be claiming possibly should be claiming

something else?something else?

ENDEND

Questions and Answers?Questions and Answers?