Showing results for tags 'dwp mortgage protection'.
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Hi I have previously sought advice for my friend regarding her financial situation and wonder if someone can clarify whether a mortgage payment protection insurance that covers less than half her actual mortgage will affect Income based ESA? Briefly, Husband on Contribution based ESA - Wife added to claim early July due to closure of business but not received anything other than the £71.70 Assessment Phase at this time. He does receive a small private pension of just over £60 a week. Recently he received letter from DWP regarding entitlement to Pension Credit in January 2014. Mortgage Policy due to kick in after 60 days waiting - I understand that will be end of this month. She has read that if the money is paid directly to themselves it is reduced pound for pound off any benefit whereas if they paid direct to the building society it is not affected. My friend is currently under the doctor for anxiety and depression. I wonder whether it would be advisable for her to claim ESA in her right and both go back to ESA Contribution Based. (She could not claim Jobseeker's as hadn't paid Class 1 contributions) Once again, any advice appreciated. VHB
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