How much savings are you allowed before being penalised ?

[mikv]

I'm currently filling out my housing benefit and have under £23,500 ( which I read somewhere was the cut off ) but reasonably close because I've not been out spending cash on things due to being housebound.

 

3000 of that is in Isa and the rest - or 15,000 -is in my current / saving accounts at the same bank.

 

Will this be penalised in an way. if I'm between say 18,000 and 23.5000 , and if so what are my options ?

 

thanks again ,

 

mike

[Conniff]

It's usually a max of £16,000

[mikv]

It's usually a max of £16,000

 

so what happens if I transfer some ( I'm assuming they can find out ), or am I better just leaving it and arguing my case ?

 

mike

[antone]

The £16,000 limit for means tested benefits isn't negotiable, so there's really no way to argue your case. The limit may be different if you are over pension age.

 

Please don't be tempted to attempt to hide the money somehow - that could be seen as fraud.

[45002]

I'm currently filling out my housing benefit and have under £23,500 ( which I read somewhere was the cut off ) but reasonably close because I've not been out spending cash on things due to being housebound.

 

3000 of that is in Isa and the rest - or 15,000 -is in my current / saving accounts at the same bank.

 

Will this be penalised in an way. if I'm between say 18,000 and 23.5000 , and if so what are my options ?

 

thanks again ,

 

mike

By Law.

 

You have to declare ALL your savings/income's to HB dept and show them copies of your bank accounts,etc

[mikv]

Well I've been housebound and told them about it ( DWP ) and they awarded me what they saw fit which mounts to just over £2640 a year for mobility / transport.

 

But obviously if I am housebound thats not going to be used , unless I improve and get out , so how exactly do you do decide when to award that someone or not if their in such precarious position to start with , and their health situation can change from day to day ?

 

I dont see why someone should be penalised for something that was awarded to them if its was someone else's decision like the DWP, or why they should be penalised for not being able to use because of situations outwith their control like their health . ( its not like that person is choosing to remain housebound after all )

 

Is there a rule that states someone should have the mobility component stopped if they have been housebound for xxx years ?

 

mike

Edited October 8, 2013 by mikv

[Nystagmite]

I'm sure the 23,500 figure is related to paying for care from social services.

[45002]

Well I've been housebound and told them about it ( DWP ) and they awarded me what they saw fit which mounts to just over £2640 a year for mobility / transport.

 

But obviously if I am housebound thats not going to be used , unless I improve and get out , so how exactly do you do decide when to award that someone or not if their in such precarious position to start with , and their health situation can change from day to day ?

 

I dont see why someone should be penalised for something that was awarded to them if its was someone else's decision like the DWP, or why they should be penalised for not being able to use because of situations outwith their control like their health . ( its not like that person is choosing to remain housebound after all )

 

Is there a rule that states someone should have the mobility component stopped if they have been housebound for xxx years ?

 

mike

Yes,it's called Change of circumstances !

 

If your mobility get worse/better,you needs more help at home or less you need to declare this to DLA office in Blackpool .

 

https://www.gov.uk/disability-benefits-helpline

 

DLA is not affect by savings/income....

[mikv]

I'm sure the 23,500 figure is related to paying for care from social services.

 

That is something else too , I have unoffical carer of sorts in my folks who empty the bin , and do some cleaning once a week , cut my toe nails ( as i cant bend ), its not over 35 hrs ( more 4 -5 ) as required but its still invaluable as I like my privacy and they can pick up some things for me otherwise not unavailable i.e. treats like Chinese .

 

I do pay them for this , in addition to food they deliver for me , but its usually not that much ( the care ) as they never tend to ask any way.

 

Is there any way I can officially pay them for this through the DWP and what classifies as care if you have someone helping out with payments / finance and other things ?

 

mike

[mikv]

Yes,it's called Change of circumstances !

 

If your mobility get worse/better,you needs more help at home or less you need to declare it to DLA office in Blackpool https://www.gov.uk/disability-benefits-helpline

 

DLA is not affect by savings/income....

 

Well if they already knew I was housebound and I still am there is nothing to declare , and even if I did improve on what time scale is that measured ? i.e. what if i became re injured again in a week or even a day ?

( As is quite possible with my issues.)

 

mike

[45002]

Well if they already knew I was housebound and I still am there is nothing to declare , and even if I did improve on what time scale is that measured ? i.e. what if i became re injured again in a week or even a day ?

( As is quite possible with my issues.)

 

mike

 

Is All of this to do with your previous thread !

 

ATOS denying home visit based on my GPs lack of evidence

http://www.consumeractiongroup.co.uk/forum/showthread.php?402596-ATOS-denying-home-visit-based-on-my-GPs-lack-of-evidence

[mikv]

Is All of this to do with your previous thread !

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?402596-ATOS-denying-home-visit-based-on-my-GPs-lack-of-evidence

 

Its connected, as I have declare savings to DWP , local council etc

 

mike

[45002]

Its connected, as I have declare savings to DWP , local council etc

 

mike

 

Yes , Im afraid so..

 

mike

Mike

 

So people can help and advise you on

CAG !

 

What benefits are you receiving to date and why are you now trying to claim Housing benefit !

Edited October 8, 2013 by 45002

[mikv]

Mike

 

So people can help and advise you on

CAG !

 

What benefits are you receiving to date and why are you now trying to claim Housing benefit !

 

I'm not , but the the last time I claimed 4 yrs ago I was not housebound - so the benefits I would of otherwise being using - and not been able to currently use since then have accumulated outwith my typical savings .

 

mike

[antone]

I'm not , but the the last time I claimed 4 yrs ago I was not housebound - so the benefits I would of otherwise being using - and not been able to currently use have accumulated outwith my typical savings.

 

mike

 

But in your first post you stated that you were filling out your HB. Are you currently claiming any benefits at all? If so, what are they?

[45002]

But in your first post you stated that you were filling out your HB. Are you currently claiming any benefits at all? If so, what are they?

 

I'm not , but the the last time I claimed 4 yrs ago I was not housebound - so the benefits I would of otherwise being using - and not been able to currently use since then have accumulated outwith my typical savings .

 

mike

Again,Can I ask about All benefits you are receiving to date

 

Are you still receiving Incapacity benefit !

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?402596-ATOS-denying-home-visit-based-on-my-GPs-lack-of-evidence&p=4343705&viewfull=1#post4343705

 

I have not worked since 98 for my folks business and have a history of deterioration before i became housebound which the GP should be aware of too, afterall Ive on incapacity and DLA later since then , so its not like this is all sudden , my early symptoms of eds / hms go back to when I was 16 and in fact even before then when they were first identified at age 4 ( something I found out myself by requesting my history ) as I was never told / nor given follow up assessments at the time.

 

Communication is a problem for me if i cant talk without problems , much less type easily - if at all - what do they expect me to do ?

Edited October 8, 2013 by 45002

[**Margaret**]

:mikv:

 

£23,250 is the upper savings limit for help with care fees for residential accommodation. Nothing to do with housing benefit, for which the upper savings limit is £16,000. Should you want to spend some of your savings on medical treatment, and then claim an income related benefit, decision makers decide on a case by case basis whether the spend is reasonable in the circumstances. Although you're unlikely to get a definitive answer, your local authority may offer some guidance as to what they'd consider reasonable.

 

Margaret.

[45002]

:mikv:

 

£23,250 is the upper savings limit for help with care fees for residential accommodation. Nothing to do with housing benefit, for which the upper savings limit is £16,000. Should you want to spend some of your savings on medical treatment, and then claim an income related benefit, decision makers decide on a case by case basis whether the spend is reasonable in the circumstances. Although you're unlikely to get a definitive answer, your local authority may offer some guidance as to what they'd consider reasonable.

 

Margaret.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?402596-ATOS-denying-home-visit-based-on-my-GPs-lack-of-evidence&p=4347308&viewfull=1#post4347308

 

BTW is there any way to prove I've not been to my bank or made a cash withdrawl without showing " THEM " my statements ?

Edited October 8, 2013 by 45002

[san_d]

 

Please don't be tempted to attempt to hide the money somehow - that could be seen as fraud.

If the OP spends his money with sole purpose of obtaining benefits, it's not fraud, the spent capital will be treated as notional capital. He can't hide the money now, it's all in traceable savings.

[antone]

If the OP spends his money with sole purpose of obtaining benefits, it's not fraud, the spent capital will be treated as notional capital. He can't hide the money now, it's all in traceable savings.

 

Agreed, but your second point was the one I was trying to make. OP asked if he could "transfer" the money. Spending it would not be fraud, as you say, but transferring it to other accounts or people most certainly would be.

[45002]

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/236960/hbgm-bw1-assessment-of-capital.pdf

 

 

Notional capital

 

 

W1.680 A person may be treated as possessing a capital asset even though they do not actually have

that capital asset. Such assets are called notional capital. Examples of these are

HB Reg 49; CTB Reg 39

• a trust fund, see Trust funds earlier in this chapter

• the deliberate disposal of capital for the purpose of claiming or getting an increase in the

amount of benefit. In these cases authorities can treat the claimant as still having the capital,

see Deprivation of capital later in this chapter

• in certain cases, payments of capital to third parties, see BW2 Payments to, or in respect of,

a third party later in this part

 

.

http://www.legislation.gov.uk/uksi/2006/213/part/6/crossheading/capital/made