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Carer's Allowance Query


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Hi All,

 

As my wife now receives PIP standard rate for both care and mobility I have been told that providing my earnings from self employment after costs do not exceed £102.00 I would be entitled to the Carer's Allowance benefit.

 

However, during research I came across some information concerning HB which stated that the carer's allowance would be reduced on a £1 for £1 ration. Effectively My CA would be worthless as the HB would take all the CA if I applied for it.

 

Is this true because if it is what would be the point of applying for it just to lose it to the HB. It would mean me filling in forms simply to get nothing.... Surely this cannot be totally correct, is it?

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AFAIK Housing Benefit has no effect on carers allowance and is unconnected...Income Support is reduced.

 

Andy

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Hi

 

I was in the same position and chose not to apply for CA as it is a taxable benefit so does effect any other means tested benefit you get inc Housing Benefit.

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Effect on other benefits

If you get Universal Credit, it might affect how much you get from other benefits.

 

Any means-tested benefits you get will be reduced by the same amount you get from Carer’s Allowance. This includes:

 

Housing Benefit

Income Support

income-based Jobseeker’s Allowance

Pension Credit

Universal Credit

 

http://webarchive.nationalarchives.gov.uk/+/www.direct.gov.uk/en/CaringForSomeone/MoneyMatters/DG_10012529

We could do with some help from you.

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So what is the point of applying for something if the end result is that you are no better off because the money you would be awarded would simply be swallowed up by a means tested benefit such as HB.

 

Just does not seem to be any point in it. I mean why waste the time filling in forms and waiting for the result for nothing in the long run.

 

So, for a lot of people this really is a pointless benefit It really is only for those that do not have any means tested benefits then. But if a person does not have any means tested benefits does that mean they have an income which would be to high so would not get the CA anyway....

 

Won't waste time filling in the forms, already have to much to do as it is.

 

Of course if there happens to be additional benefits for applying for CA even if the money is swallowed up. I did hear there are Premiums added to certain other benefits if you did get CA but I am not sure of this. Could someone enlighten me more with respect to this.

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But there are people who receive DLA/PIP who may not receive any means tested benefits. They may be a home owner/mortgage payer so therefore applying for CA is going to help them but I the case of those who receive a means tested benefit there is not much point.

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For housing benefit, though they take the the carer's allowance into account fully, they only reduce your housing benefit by 65% of the total, they then also add on a carer's premium of just over £30, so you end up more than £30 a week better off.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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Oh I agree entirely with you sirbob.

 

So in best case

Home Owner with no means tested benefits and a after costs income of £102.00 pw or less.

 

and in worse case

Any person with a means tested benefit that is equal to or greater than what the CA would be.

 

It would really be worthwhile for me if I put in a right to buy on my housing association property

which we are currently under-occupiers in and have 25% cut from our HB/CT award.

Given I would save the £140.00 pm I am currently paying towards rent and with the CA award I

would have £380.00 pm towards the mortgage....... if only this was possible.......

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For housing benefit, though they take the the carer's allowance into account fully, they only reduce your housing benefit by 65% of the total, they then also add on a carer's premium of just over £30, so you end up more than £30 a week better off.

 

So, what happens to someone who is currently paying 25% towards their rent due to under occupancy of the property (and btw we have tried to downsize and it just not possible where we live as there are very few adapted properties smaller than ours)

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So, what happens to someone who is currently paying 25% towards their rent due to under occupancy of the property (and btw we have tried to downsize and it just not possible where we live as there are very few adapted properties smaller than ours)

 

 

Until they change the rules, you keep paying the 25% - sorry.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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So, if I understand this correctly (and I may well be wrong here)

 

Let's assume a figure of £100.00 pw for rent.

If the max allowance for Hb is 65% then that would leave £35.00 to pay

but with the additional 25% (under occupancy) thats another £25.00 on top

So the figure I would pay would be £60.00 on a rent of £100.00

 

As CA is around the £60.00 figure it would mean that the whole of the CA would

be taken but I would still be £25.00pw better off as I would now no longer

be paying the £25.00 under occupancy amount as that is covered by what would

have been left out of the CA.

 

Now I have probably got that wrong so if anyone can give me a better idea it would help.

 

I am not getting CA but am trying to see what effect it would have or if there would be any

benefit from applying for it should I find my self employment no longer able to give me an

income in excess of £102pw. Just looking at my options should I ever need to.

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Have you not tried going on your Councils website.

 

Mine is County Durham and it allows me to work out what was the best for me and my family financially by using the hb/ct benefit checker. You can vary the quote based on what your options are I.e if you were to claim carers or not.

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So, if I understand this correctly (and I may well be wrong here)

 

Let's assume a figure of £100.00 pw for rent.

If the max allowance for Hb is 65% then that would leave £35.00 to pay

but with the additional 25% (under occupancy) thats another £25.00 on top

So the figure I would pay would be £60.00 on a rent of £100.00

 

As CA is around the £60.00 figure it would mean that the whole of the CA would

be taken but I would still be £25.00pw better off as I would now no longer

be paying the £25.00 under occupancy amount as that is covered by what would

have been left out of the CA.

 

Now I have probably got that wrong so if anyone can give me a better idea it would help.

 

I am not getting CA but am trying to see what effect it would have or if there would be any

benefit from applying for it should I find my self employment no longer able to give me an

income in excess of £102pw. Just looking at my options should I ever need to.

 

You also start with a personal allowance according to your individual circumstances which you are allowed before any income is taken into account.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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Carers allowance is worth £61.35.

This is taken into account as income for HB purposes.

However there is a carers premium of £33.30 for HB which has the effect that only £28.05 of the carers allowance is taken into account as income.

 

Your HB would be reduced by a maximum of 65% of the additional income of £28.05 which works out at £18.23.

 

Therefore you get an extra £61.35 through carers allowance and lose a maximum of £18.23 in HB.

Overall you are a minimum of £43.12 per week better off by claiming carers allowance.

 

N.B. The above does not take into account CTR as you have not mentioned whether you are receiving it and the CTR schemes vary from Council to Council, so can't estimate effect on CTR without knowing the name of Council.

If you have found my post useful, please click on the star at the bottom of my post and add some reputation points.

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