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Benefits entitlement

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Good morning all. Can anyone shed any light as I’m confused as blind badger. My wife (48 years) and I (47 years) have always worked throughout our lives, but unfortunately due to a life changing… Read More
Gandalfbaggins Avatar
2w, 1d agoPosted 2 weeks, 1 day ago
Good morning all.

Can anyone shed any light as I’m confused as blind badger.

My wife (48 years) and I (47 years) have always worked throughout our lives, but unfortunately due to a life changing event and without going into too much personal detail, my wife is no longer able to work as of 6 month ago.

Unfortunately, my wife’s condition is worsening by the day and I feel I may have no other option but to 'possibly' take a leave of lengthy absence from work in order to take care of her full time. A responsibility that is currently shared between myself, my son and my daughter. I state this as my son and daughter will in the next couple of months be moving away from the area we live in. My daughter has now given birth to her daughter and is moving away to start her own life with her new husband, and my son is moving to an area to be with his girlfriend over 200 miles away, so me leaving work, I feel, may be the only option left.

I have tried and tried to try and understand the benefit system but as I have never had any dealings with this, I’m confused to the hilt.
The question I ask is, what type of benefits would I be entitled to (if any) in order to look after my wife full time and would I be penalized for leaving work in order to achieve this? Again, I have never received any sort of benefits previously.

I read this may have to be a joint claim, but seeing as she currently receives Employment support allowance (ESA ) and a Personal independent payment (PIP) the Daily living standard rate with a review after 3 years, I am still none the wiser.

We don’t have much in the way of savings, (under 2k) nor do we own our own house and if I am being totally honest, I’m not happy about having to look into this, but as stated, I may not have any choice in the near future and I’m trying to get a perspective look at what options we may have.

I must also state that this may or may not be for a lengthy period of time as of right now, as we are unsure as to whether or not her future treatment might work.

Any information would be gratefully received.

GB
Gandalfbaggins Avatar
2w, 1d agoPosted 2 weeks, 1 day ago
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#1
Afraid I don't know a great deal but CaB has an online chat https://www.citizensadvice.org.uk/about-us/contact-us/web-chat-service/

Hope it works out mate
#2
The best advice I can give is go to your local Job Centre and discuss this with them. I think you'll be entitled to Carers Allowance, PIP and possibly ESA. As well as help with your housing costs - i.e. Housing Benefit. Using the internet will only go so far ☺️
#3
Check this link it will ask you questions to see what your entitled to as a couple or as a single man

http://www.entitledto.co.uk/benefits-calculator/startcalc.aspx
#4
CAB is a good place to get advice, Job Centre would more than likely refer you to the phone lines so I wouldn't bother going in. From what you've said you'd be looking at claiming carers allowance and then as a couple claiming Income Support, Income Support is means tested so depending on the amount of ESA and carers allowance you get it could wipe it out but the benefits calculator in the above post should be able to give you an idea. It's not clear if you're renting a property (I'm presuming you are), if so then you'll also need to claim Housing Benefit, some local authorities do also still offer some help with council tax so this is something else to look at. Good Luck!
#5
I never thought of the CAB, thanks for the advice.

Housing, although we don't own our house, it is owned by my wife's parents, so housing benefit and council tax would not need to be applied for as they have already stated we would not need to pay for staying during the time I would be out of work which is a great help to us.

Also thank you for the online calculator, I have seen this but it did somewhat confuse me a little. I think a call to to CAB would be my next move - Thanks for the comments.
#6
Gandalfbaggins
I never thought of the CAB, thanks for the advice.
Housing, although we don't own our house, it is owned by my wife's parents, so housing benefit and council tax would not need to be applied for as they have already stated we would not need to pay for staying during the time I would be out of work which is a great help to us.
Also thank you for the online calculator, I have seen this but it did somewhat confuse me a little. I think a call to to CAB would be my next move - Thanks for the comments.
Even if a family member owns the house you still may be able to claim it. I rented a house from my mother a few years ago and was unemployed for a few months and because I was able to prove I had payed rent for several years previously I was able to claim it.
#7
Can't really help you but I do wish you the best. Hope all goes well.
#8
Not sure your wife is entitled for ESA whilst you're working? Unless it's to top up your income?.

If you give up work she could add you to her ESA claim.

If you care for her for more than 35 hours a week and earn less than £116 a week you can claim carers allowance.

If you got carers allowance and didn't get ESA you could also claim Income support instead.

You could also claim Council tax but wouldn't be able to claim housing benefit as it's a relative.
#9
direct.gov.uk , some useful info about benefits and theres a calculator and basic assesment tool
#10
If shes unfit for work it could be esa *sickness benefit* possibility universal credit *an esa /jsa/income support replacement* for u to claim carer allowance your wife will need to claim pip with the care component. Go online to the gov web site read up on the benefits cab is a good start too. If ur renting and u both end up claiming make sure you claim housing benefit and council tax benefit to help with those bills also. Saving are taken into consideration but under 2k is below the limit. Sounds like she is currently on conts based esa. If u stop working and claim with her that may change to income based. Conts based will only be paid for a limited time also.
#11
Thanks for all the information guys, it has given me a clearer indication.

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