What Benefits can I claim?
Benefits update covering what benefits you may be entitled to claim for :
Contributory Benefits (CB) Non Contributory Non Means Tested (NCNM)
Means Tested Benefits (MT)
Job seekers Allowance (Contribution based)
Payable for 6 months to people under pension age who are unemployed or work for fewer than 16 hours, and have sufficient N.I contributions. Claimants must be capable of, available for, and actively seeking work. It is payable for maximum of 6 months.
Incapacity Benefit (CB)
Now abolished for new claimants. This benefit is only payable to people who are unable to work for health reasons and who claimed before 27 th October 2008. Existing claimants are being transferred to Employment and Support Allowance.
Employment and Support Allowance (CB)
Payable to people who are unable to work due to health reasons and have sufficient NI contributions. For those in the work related activity group, payment is limited to a maximum of 52 weeks. ESA(C) is not time limited in the support group.
Bereavement Payment (CB)
Bereavement Payment is a lump sum award of £2000. It is payable to both widows and widowers, where their deceased husband or wife or civil partner had sufficient N.I. contributions. Claimants must be under pension age.
Widow parents Allowance(CB)
Payable to a widow/widower who has dependent children. The deceased husband or wife or civil partner must have made sufficient N.I contributions. Claimants must be under pension age.
Bereavement Allowance (CB)
Bereavement Allowance is a weekly benefit payable for 52 weeks to a widower or widow who is widowed at age 45 or over. The deceased husband/wife/civil partner must have made sufficient N.I. contributions. Claimants must be under pension age.
Retirement Pension (CB)
Payable once pension age is reached (65 for men, but check pension age calculator for women). Payment can be deferred if people want to carry on working. Amount paid linked to NI contribution record.
Non Contributory Non means tested benefits
Disability Living Allowance (DLA)/PIP (Non Means Tested Benefit)
Since June 2013, this can only be claimed by people aged under 16. Claimants must have care or supervision needs and /or mobility needs. Awards are based on what help is needed (not what help is received). There are two rates of mobility and three rates of care component. Claimants can be entitled to an award of each component. People aged between 16-65 who are already in receipt of DLA will gradually undergo the migration process to PIP.
Personal Independence Payment/PIP
This benefit has now replaced DLA for people aged 16 or over. It can be claimed by people aged 16 or over and under 65. Claimants must have daily living and /or mobility needs. Awards are based on what help is needed (not what help is received). There are two rates of mobility component and two rates of daily living component. Claimants can be entitled to an award of each component.
Attendance Allowance (Non Con Non Means)
This benefit is similar to DLA, but is for those who first claim when they are aged 65 or over. AA can give help with care and supervision needs, but it cannot give any help in respect of mobility needs. It has a lower and higher rate of payment.
Attendance Allowance (AA)
This benefit is similar to DLA, but is for those who first claim when they are aged 65 or over. AA can give help with care and supervision needs, but it cannot give any help in respect of mobility needs. It has lower and higher rate of payment.
Payable to someone aged 16 or over, who is caring for a person that is receiving Attendance Allowance or the middle or higher rate of the DLA care component or a PIP daily living award. The claimant must be caring for 35 hours or more each week and must not habe net earnings of more than £102 per week.
Severe Disablement Allowance (SDA)
Abolished for new claimants. This benefit is only payable to people who are unable to work for health reasons and who claimed before 27 th October 2008. Claimants are now being transferred to Employment and Support Allowance.
Paid at 90% percent average earnings if lower. Payable for up to 39 weeks to pregnant women who are not receiving statutory Maternity pay from an employer. It is payable to women who have worked for 28 out of the last 66 weeks, and in 13 of those weeks have earned at least £30.
Means- Tested Benefit.
Are paid to people with little (or no) income or savings. They require an investigation of income and capital. They are assessed on
the basis of the family living in the household. In most cases, these benefits are not payable to people who are subject to immigration control and there are residence requirements.
Payable to people under people under pension age for women who have a low income and are not required to be available for work: Such as lone parents and carers. It is no longer payable to people who are incapable of work (who claim ESA instead). Claimants can work up to 16 hours per week, but any wages count as income. Savings limit is £16000. It can include help with mortgage interest payments.
Employment and Support Allowance (IR)
Payable to people under pension age who have limited capability for work and a low income. The savings limit is £16000 ESA(IR) can either top up ESA(C), or be paid on it’s own. It can include help with mortgage interest payments.
Pension Credit (made up of Guarantee Credit and savings Credit)
Guarantee Credit is for men and women, who are aged over pension age for women. It guarantees a minimum amount of income. Savings Credits is for those aged 65 or over, rewarding them for having saved for their retirement. There are no savings limits. It can help with mortgage interest payments.
Jobseekers Allowance (income based)
Payable to those under pension age who are unemployed (or work fewer than 16 hours weekly), but are required to find work. Claimants must be cable of and available for work, and sign a Jobseekers Agreement. The savings limit is £16,000. It can help with mortgage interest.
Working Tax Credit
Payable by HMRC to people with dependent children under 16, (or 20 if still in full-time non-advanced education). Claimants can be working or not working.
Housing Benefit helps people with low incomes who have difficulty paying their rent. Claimants may be in receipt of benefits or working in low paid employment. The amounts payable depend on the household’s income/capital and whether they live in the right size property. Apart from some pensioners, the savings limit is £16,000.
Council Tax Support (CTS)
CTS replaced Council Tax Benefit in April 2013, and provide help with paying Council Tax. What help is available is decided by the local council.
In Lambeth most people have to pay 15.86% of their council tax themselves, before any help from the council Tax Support can be assessed. This does not apply to disabled people (receiving the disability, enhanced or serve disability premium or disabled child premium in their CTS applicable amount). (Carers getting carer premium in CTS applicable amount or those with benefit cap.
Payable for each child the claimant is responsible for, until the child reaches the age of 16 (or 20 if the child stays in non-advanced education or training). Since 7 th Jan 2013, high earners (earning between £50,000 and £60,000) are subject to the Child Benefits high earners income charge (and will have to repay some or all of it.
This is a system of one off grants and loans. Since April 2013, the social fund was partially abolished and. Now the remaining parts of the Social sound available at the DWP are Sure Start Maternity Grants, Funeral Expenses payments and Budgeting Loans. These are detailed below. The DWP also offers Winter Fuel payments, and Cold weather payments.
Sure Start Maternity Grant
Help with the cost of a new baby-Alone off grant of £500 for women who are having a baby in the next 11 weeks or had a baby in the last 3 months. Claim on form SF100 from jobcentre plus. Since April 2011, this grant is only payable for the first child. Applicants must be getting income support or JSA (IB) or ESA (IR) or Working tax Credit (Where award includes a disability element) or Child Tax Credit paid at more than the family element or Pension Credit.
Help with budgeting for items. These are loans available from Jobcentre plus to people who have been in receipt of income support/JSA(IB)ESA(IR)Pension credit for at least 26 weeks.
Community Care Grants and Crisis Loans
Community Care Grants and Loans relating to a crisis or emergency were abolished from April 2013. The money was transferred from the DWP to each local council. The individual council then had to decide what it wanted to offer.
In Lambeth the emergency Support Scheme has been put in place. Details (include the claim form) can be found on the Lambeth Council Website, or by phoning 0345 302 2312. Most help given is in-kind, so is cashless.
For more information about how to manage your finances on a low income go to:Source: carershub.org.uk