Cannot move in with my boyfriend because my benefits would end?

[blackcat75]

I have been on ESA in the support group for 4 years now. I live with my family so I do not get housing benefit and I do not get DLA or PIP although I have never applied. My medical condition is chronic migraine so it is intermittent, it is severe enough that they full accept I cannot work a normal job but when I am well I can walk around, dress and feed myself even go the gym and when I am ill all I am able to do is lie in bed so I don't think I would qualify.

 

I do have a boyfriend and he wants me to move in with him and I thought I could do some work from home and apply for the disability tax credits to try and bring in some income as I would lose my ESA when I moved in with him due to his earnings. He makes about £30,000 before tax and I think that means that I might also not be eligable for disability tax credits.

 

I feel very depressed about this because it means I have no way of brings any money into out house hold. I will try to get a job but I know I will be ill often and that I will probably not be able to hold one down if I can even get one after 5 year now without any employment at all.

 

I know £30,000 sound a lot but after tax it is reduced to just over £23,000 and a big chunk of that goes on his mortgage. So I would feel very bad about moving in with him if I couldn't pay something towards our expenses especially as I need certain things which cost a bit extra money at times. He says it will be ok most of the time but sometimes he says things about me taking a job.

 

I feel in a very difficult place because I would be happy to work but nobody wanted me before and I can't see that they would now and if they did I don't know how long it would be before I got fired again. I am in my late 30's and he is a really decent man who I love and we do plan to marry but I feel so awful about my hopeless situation I am thinking of ending the relationship so he can find someone who can contribute better even though it will mean giving up my only chance at marriage.

 

 

Is their any benefit I would be entitled to if I lived with him?

[antone]

Well, you refer to "Disability Tax Credits". There is no such thing. However, you might be exempted from some of the normal requirements for Working Tax Credits if you have a disability. Specifically, you might be entitled if you work 16 hours per week - normally you need to work 30 hours.

 

If you have care or mobility needs, you might be entitled to PIP. But otherwise, there aren't many benefits that can be claimed by a two-person household with a net annual income of £23,000 per year.

 

I think perhaps you need to have a serious conversation with him about how things would work if you were to move in and/or marry. I don't think I'd end the relationship pre-emptively if it were me, but hey, I was married for the third time before I was 40. Don't take my advice on relationships - I may not have the best perspective.

[blondebubbles]

Have you considered any work you could do as self employed?

[id6052]

is your ESA income related or contribution based?

[problemswitho2]

Would you be moving in with your partner or being a lodger? Sorry if that is naughty but it does seem like a sensible way to sort this unfair mess out.

 

If he has two rooms thats the way I'd play it. If not maybe he sleeps on the sofa because he needs a lodger to pay the rent.

 

Don't you have to move out because your parents have kicked you out? Or am I just imagining that?

[estellyn]

Would you be moving in with your partner or being a lodger? Sorry if that is naughty but it does seem like a sensible way to sort this unfair mess out.

 

If he has two rooms thats the way I'd play it. If not maybe he sleeps on the sofa because he needs a lodger to pay the rent.

 

Don't you have to move out because your parents have kicked you out? Or am I just imagining that?

 

 

Encouraging benefit fraud is not acceptable on CAG, please desist!

[honeybee13]

Estellyn is quite right, this is not what we're here for.

 

HB

[huggy41]

Would you be moving in with your partner or being a lodger? Sorry if that is naughty but it does seem like a sensible way to sort this unfair mess out.

 

If he has two rooms thats the way I'd play it. If not maybe he sleeps on the sofa because he needs a lodger to pay the rent.

 

Don't you have to move out because your parents have kicked you out? Or am I just imagining that?

 

me and my wife do not work full time and pay tax so people can rip us off i sugest you delete the post asap

[problemswitho2]

me and my wife do not work full time and pay tax so people can rip us off i sugest you delete the post asap

 

I've paid tax since I was 16. I have paid both lower rate and higher rate. I've contributed to this country both by paying taxes and serving in the Armed Forces. Please don't lecture me about the morality of my actions. We have blokes with no legs who get support via charities because the MOD/Government don't stump up the cost. As I've said, I've always contributed above and beyond. Now I've found myself in hardship I've been treated like dirt - the harsh reality is, the rules are not set up to help people but to put them down and punish them. Empowering yourself with the knowledge of how the system works is the only way to fight the tyranny which the government is imposing on the disabled and poor.

[*RainbowTears*]

I've paid tax since I was 16. I have paid both lower rate and higher rate. I've contributed to this country both by paying taxes and serving in the Armed Forces. Please don't lecture me about the morality of my actions. We have blokes with no legs who get support via charities because the MOD/Government don't stump up the cost. As I've said, I've always contributed above and beyond. Now I've found myself in hardship I've been treated like dirt - the harsh reality is, the rules are not set up to help people but to put them down and punish them. Empowering yourself with the knowledge of how the system works is the only way to fight the tyranny which the government is imposing on the disabled and poor.

 

 

You are entitled to your opinion on CAG. That's not at issue here, it was simply just the fact, in your earlier post to the OP, it could be seen as encouraging Benefit Fraud.

 

Whilst it's good to give the OP options, this is not one course anyone should suggest or indeed take as the consequences are very severe.

 

That alone is not empowering anyone!

 

@ OP. You do have choices, as your partner could support you, as thousands of couples/families do every day with & without benefits. Maybe you can look into doing some type of work from home? Or possibly a job thats part time & you do a few hours per day?

 

Have you sat down & spoken to your boyfriend? As only he can alay your fears & help find a way that works for you both.

 

Ultimately only you can decide on what future path you take regarding your boyfriend....

 

Wishing you good luck for the future!

[antone]

I've paid tax since I was 16. I have paid both lower rate and higher rate. I've contributed to this country both by paying taxes and serving in the Armed Forces. Please don't lecture me about the morality of my actions. We have blokes with no legs who get support via charities because the MOD/Government don't stump up the cost. As I've said, I've always contributed above and beyond. Now I've found myself in hardship I've been treated like dirt - the harsh reality is, the rules are not set up to help people but to put them down and punish them. Empowering yourself with the knowledge of how the system works is the only way to fight the tyranny which the government is imposing on the disabled and poor.

 

Advising people about how the system works and helping them to get the benefits they are entitled to is fine - that's what we do here. Encouraging people to commit criminal offences is not fine.

[Madamfluff]

I've paid tax since I was 16. I have paid both lower rate and higher rate. I've contributed to this country both by paying taxes and serving in the Armed Forces. Please don't lecture me about the morality of my actions. We have blokes with no legs who get support via charities because the MOD/Government don't stump up the cost. As I've said, I've always contributed above and beyond. Now I've found myself in hardship I've been treated like dirt - the harsh reality is, the rules are not set up to help people but to put them down and punish them. Empowering yourself with the knowledge of how the system works is the only way to fight the tyranny which the government is imposing on the disabled and poor.

 

Sorry that is rubbish, the fact of life is if you are claiming income based benefits and your own income or a combined income with a partner/spouse takes you over the amount the law says you need to live on then you do not get those benefits, no matter how many years and how much you have paid into the system I have more reason then a lot of people to be upset over this. This is MY situation

 

I have worked and paid into the system for 44 years (including 5 years of paying 1.5 grand a month tax and NI) in April this year my JSA was stopped, not because I got a job (although I did get one in June) but because my Husband turned 65 and got his state pension.

 

Thats a pension he worked and paid in for 45 years to get, and that included 4 years when he paid in enhanced NI contributions to get a better pension.

 

And yes he did indeed get a better state pension so much so that it took our household over the amount the law says we need to live on so my JSA was stopped .

 

So after all the years I paid in I wasn't even entitled to a measly 70odd quid a week

 

Yet I accept this and I certainly don't see it as 'tyranny'

[dyfed]

me and my wife do not work full time and pay tax so people can rip us off i sugest you delete the post asap

 

Maybe you should focus your anger on those who rip off tax payers by £millions and not the minority of poor who profit a few quid here and there.

[antone]

Ach, I don't want to close this thread down, especially since the OP hasn't been back. But it's non-negotiable: we do not permit advocacy of benefit fraud on this forum.

 

So if you can help the OP and offer advice within the law, please do so. Otherwise, let's end the hijack about whether fraud is or isn't OK.

[Nystagmite]

Even though it is taking some time, it might be worth applying for PIP.

[Shoelover]

Can you combine PIP & a working from home job?

 

Your BF earns a good wage & families survive on less. He sounds happy to support you & maybe in time you will be able to pay in.

 

Moving in as a lodger could land you with a criminal record.