Welfare Rights
Training 2015
A claimant under pension age
could be claiming?
Income Support
Jobseekers Allowance
Employment Support Allowance
Incapacity Benefit
Severe Disablement Allowance
Universal Credit
Which one would give them the
most income?
Would you be able to tell them
which one to claim?
By the end of today you should
be able to tell them!
INCOME MAXIMISATION
What’s this all about?

The ability to listen, fact find, and notice
that something is missing, advise
accordingly, helping to identify further
claims due.

Thus increasing the weekly income of any
client.
INCOME MAXIMISATION
How do you do this?
Interview and listen carefully
Think ahead
Write down or record
the facts / information given
on a case record sheet
Check this information again
at the end
Calculate existing entitlements
using the above
information
Submit and backdate any and
all existing claims identified at
this first stage
Identify any possible new
claims due
Re-calculate again as if these
claims where awarded / paid
Submit any and all claims that
would become payable only if
or when these new claims are
paid / awarded
Clearly explain to the client
what will or will not happen
The following are normal

He is 63, has CB-ESA at £109.30 and Low rate
DLA Care at £21.80, he claims no HB & CT
Benefit as refused earlier due to excess savings.
So pays full Rent at £72 weekly and Council Tax
at £14 weekly he has savings at £21,400. Benefit
check requested.
Interview, think ahead, write down, and check
again, all done.
CALCULATE (Ignore DLA)
Income now
£
Employment Support 109.30
Savings £21,400
Savings limit £16,000 for HB – CTB – IB/ESA
ANY CLAIMS? NEW CLAIMS?
RE-CALCULATE (Ignore DLA)
Income now
Incapacity
£
Applicable amount
109.30 Pension Credit
£
151.20
Tariff on savings 23.00
Pension Credit
Total
18.90
151.20 Total
151.20
Claims:
Pension Credit due £18.90 weekly
(£151.20 - £132.30 = £18.90 PC due)
Arrears 13 x £18.90 = £245.70
HB now due in full £72 weekly (Arrears £936)
CT now due in full £14 weekly (Arrears £182)
(Backdating limited to three months)
Couple under 60:
He has Employment Support Allowance
Contribution Based (CBESA) at £73.10 weekly
and Disability Living Allowance at Middle Rate
Care (£55.10) and Low Rate Mobility (£21.80)
he also has an Occupational Pension at £24.25
weekly, she only has Carers Allowance at
£62.10 They pay £6.50 rent and £2 Council
Tax.
He has failed the ESA medical scoring nil
points and is looking for help to appeal.
Calculate (Ignore DLA)
Income Now
£’s
Applicable Amount £’s
ESA (CB)
73.10
Couple ESA
Carers Allowance 62.10
Occ Pension
Total
114.85
Carer Premium 34.60
24.25
159.45
149.45
Excess income £10 x 65% (£6.50) x 20% (£2)
Challenge the ESA decision?
Any other claims?
What about her claiming Income Support?
Re-Calculate (Ignore DLA)
Income Now
£’s
Applicable Amount £’s
ESA (CB)
73.10
Couple
114.85
Carers Allowance 62.10
Carer Premium
Occ Pension
24.25
Disability Premium 45.95
159.45
195.40
Total
Income Support now due at £35.95
Rent & CT now paid in full so £8.50 weekly saved
34.60
Couple:
Both over 65, one has DLA at
Middle Rate Care (£55.10) and the
other has Attendance Allowance
at (£82.30) weekly
The AA has only recently been
awarded
Other incomes?
Both have weekly Retirement
Pensions at £160 & £98.30
They pay rent @ £6.50 weekly and
Council Tax @ £2 weekly
They live alone
Interview, think ahead, write down, and
Check again, all done
CALCULATE (Ignore DLA & AA)
Income now
£
Applicable amount (Before AA) £
Retirement Pension 160 Pensioner Couple
Retirement Pension 98.30
230.85
Total
230.85
258.30 Total
Over 65 So Add full Savings Credit To HB/CTB
(This is a HB & CTB figure only)
17.45
(248.30))
Rent x 65% CT x 20%
Excess Income
10.00
Council Tax paid now £2
Rent paid now
£6.50
ANY CLAIMS? NEW CLAIMS?
Claim:
Carers Allowance x 2
Pension Credit
Backdated three months
RE-CALCULATE
(Ignore DLA & AA)
Income now
£
Applicable amount
£
Retirement Pension
160
Pensioner Couple
230.85
Retirement Pension
98.30
Severe Disability
Prem x 2
123.70
Carer Premium
34.60
Carer Premium
34.60
Total
423.75
258.30
Savings Credit Due in full @
Rent paid now
00.00
Pension Credit Due
(£423.75 - £258.30 =
£17.45
£165.45
Claims?
 Carers Allowance £62.10 x 2 (Underlying only)
Backdated 13 weeks
 Pension Credit GT On-Going @ £165.45 weekly
@ £2,150
Backdated 13 weeks
 Pension Savings Credit On-Going @ £17.45
@ £227
Backdated 13 weeks
 Housing Benefit increase @ £6.50 weekly
@ £84.50
Backdated 13 weeks
 Council Tax increase @ £2 weekly
@ £26
Backdated 13 weeks
 £191.40 weekly increase in income (PC/GT £165.45, PC/SC £17.45, Rent
/ HB £6.50, Council Tax £2)
 Arrears paid @ £2,488
Carers Allowance will be awarded but not be
PAID, due to the Retirement Pensions of a
higher value, however underlying entitlement
will give the Carer/s Premiums x 2 (£34.60)
within their applicable amount so additional
PC will be due
Rent & Council Tax will be nil due to PC/GT
Due to backdating Pension Credit client will
get a refund of any Rent & Council Tax
already paid for that time.
SDP X 2 WILL STILL BE PAID AS
UNDERLYING CARERS DOES NOT STOP IT
Couple with 2 children under 10
Husband works 18 hours at £130 weekly
Partner has no income at all, she recently
got awarded DLA Low Care (£21.80)
They also have Child Tax Credit at £115
and Child Benefit at £34.40
They had until April 2012 Working Tax Credit at
£80 weekly but due to the 24 hour couple rule this
was stopped.
They have a mortgage at £50 weekly and are
struggling to pay the household bills etc.
They already get full Council Tax Benefit
What if any claims are available to them?
What about her claiming means tested ESA if she
can get a sick line?
Calculate (Ignore DLA)
Income Now
Wages
£’s
130
Applicable Amount £’s
Couple
114.85
Earnings Disregard 20
Total
130
134.85
ESA due £4.85 not a lot to help with the mortgage
Anything else?
Now that she has the DLA she is
classed as disabled for Working
Tax Credit purposes so they are
now due Working Tax Credit again
even although he only works 18
hours, this is worth about £80
weekly.
That will help with the mortgage
Couple with one disabled child
under 16, the child recently got
DLA at Middle Rate Care
She works 22 hours earning
£180 weekly.
Partner has no income
They also have Child Benefit at
£20.70 and Child Tax Credit at
£65 weekly.
No Working Tax Credit paid
since April 2012 due to the 24
hour couple rule.
Any other claims?
The Child Tax Credit at £65 weekly is very
low for a disabled child?
Suggesting that they have failed to tell Tax
Credits that the child now has DLA?
This DLA award will increase the Child Tax
Credits by about £58 weekly, backdating is
now limited to one month, unless Tax
Credits are told quickly following the DLA
award.
Anything else?
He can now claim and backdate a
Carers Allowance claim worth
£62.10 weekly for him looking after
the disabled child
As he is now a Carer, she only has
to work 16+ hours now (Rather
than the previous 24 hours) to
allow Working Tax Credit to be paid
at about £80 weekly
Single person aged 48 who was
working full time but is now off work
sick.
She is getting paid basic Statutory Sick
Pay (SSP) at £88.45 weekly, she also
has Working Tax Credits at £12.55
weekly and DLA at Low Rate Mobility.
Any other claims?
What about Income Support?
Calculate (Ignore DLA)
Income Now
£’s
Applicable Amount £’s
SSP
88.45
Single
Working Tax
12.55
Disability Prem 32.25
No Disregard
Total
101
Income Support due £4.35 weekly
73.10
?
105.35
SSP allows an Income Support
claim if your income/s are below
your applicable amount.
Although HB & CTB count SSP
as earnings and allow an
earnings disregard IS counts it
as other income with no earning
disregard allowed.
This man has been working part time for
the last 4 years earning just £140 weekly
for his 18 hours worked.
He has now turned 60 and is asking you
about him claiming Pension Credit?
He lives with his brother who owns the
house.
Any claims?
Pension Credit is not available for
people aged 60 now so that is not an
option for him.
What about Working Tax Credit?
People aged over 60 can now get WTC
if they work over 16+ hours and their
income / earnings are low enough?
He should get about £50 weekly
This couple are both under 60
She works full time earning £400
weekly
His only income now is his work
Occupational Pension at £200 weekly
They own the house with no mortgage
and pay full Council Tax
They have a disabled daughter with
Downs Syndrome in the house aged 30
She has ESA (£125.05) and DLA at the
High Rate Care and High Rate Mobility
They are asking for a benefit check for
their daughter?
Clearly the daughter has her full legal
entitlements at this time!
Anything Else?
Dad can claim and backdate Carers
Allowance at £62.10 weekly
His Occupational Pension at £200
weekly does not stop him claiming this
He should let HMRC know as Carers
Allowance is a taxable benefit so he
may pay some tax on his pension
Anything else?
Looking at the daughter with the High Care
of DLA and Downs Syndrome the chances
are she would fit the severely mentally
impaired criteria for Council Tax exemption
That then leaves 2 adults in the house mum
and dad.
They could both claim a Carers Exemption
from Council Tax making them both invisible
as well that leaves no adults in the house so
a 50% Council tax discount would apply.
This person has a severely disabled child
with DLA and has had Carers Allowance at
£62.10 weekly for the past two years
She also works 12 hours weekly earning
£104 so is just below the Carers earnings
limit at £110, her partner works full-time.
Her employer has asked her to work 10
hours overtime for the next 3 weeks
She is worried about her Carers Allowance
stopping and is looking for your advice?
Once you have had Carers Allowance
for over 22 weeks you are allowed 4
weeks holidays or a break from caring
just like someone employed
During this 4 week period you can go
over the normal £110 weekly earnings
limit and remain entitled to Carers
Allowance
This can be done every 22 weeks
This couple have come to you looking
for help as he has been made
redundant last week after 35 years
He is 61 years old. He got £28,000
redundancy and has a weekly company
pension at £124 weekly
She is 63 with her old age pension at
£68 weekly
He has been told by his union at work to
claim Jobseekers Allowance they say he
should get £73.10 weekly Contribution
Based JSA for 6 months due his previous
National Insurance Contributions
They have full rent to pay at £80 weekly
and full Council Tax at £25 weekly
What would you advise them to do?
He could claim Contribution Based
Jobseekers at £73.10 weekly but
he would get paid nothing due to
his works pension as anything over
£50 comes of his JSA £ for £
So £124 - £50 = £74 excess
Their capital at £28,000 will then
stop any claim for HB & CTB
She should be advised to claim Pension Credit.
Calculation:
Income
£’s
Old Age pension 68
Work Pension 124
Savings Tariff
36
Total
228
Applicable Amount £’s
Couple
230.85
230.85
Pension Credit Guarantee due £2.85 weekly
More importantly they now get full HB at £80 & full
CTB at £25
Couple under 40:
She has DLA at Middle Rate Care and
Employment Support Allowance at £102.15
weekly.
He is off work sick and has Statutory Sick
Pay from work at £88.45 weekly.
She claims HB & CTB and they now pay
rent at £17.35 and Council Tax at £5.34 both
weekly.
HB / CTB Calculation (Ignore DLA)
Income now
£
Applicable amount
£
Employment Support 102.15 Couple ESA Work Related 143.90
Statutory Sick Pay
88.45 SSP Disregard
20
Total
190.60 Total
Excess Income £26.70 (£190.60 - £163.90 = £26.70)
Rent x 65% = £17.35
Any claims?
Council Tax x 20% + £5.34
163.90
Can he claim Carers Allowance
while on Statutory Sick Pay?
Income now
£
Applicable amount
£
Employment Support 102.15 Couple ESA Work Related 143.90
Statutory Sick Pay
88.45 SSP Disregard
20.00
Carers Allowance
62.10 Carer Premium
34.60
Total
252.70
Total
198.50
Excess Income £54.20 (£252.70 - £198.50 = £54.20)
Rent x 65% = £35.23
previously £17.35
Council Tax x 20% = £10.84
previously £ 5.34
Gained Carers at £62.10
Any other claims?
Paying extra £23.38 in Rent & CT
It may be your Council would do
this anyways?
Swap the Housing Benefit
claimants?
Income now
£
Applicable amount
£
Employment Support 102.15
Statutory Sick Pay
88.45
Carers Allowance
62.10
Couple
SSP Disregard
Carer Premium
Disability Premium
114.85
20.00
34.60
45.95
Total
Total
215.40
252.70
Excess Income £37.30
(£252.70 - £215.40 = £37.30)
Rent x 65% =
£24.25
Council Tax x 20% = £ 7.46
Previously
£35.23
Previously
Total Saving of £14.36
£10.84
This middle age couple have various
benefits paid including?
Contribution based ESA for him at £109.30
he also has an Income based ESA top up at
£64.35 making a total of £173.65 weekly.
He also has DLA at Middle Care and just
recently his partner has also been awarded
Low Daily Living of PIP as well.
They are requesting a benefit check?
Due to the new PIP award they are
now due a double Severe Disability
Premium an extra £123.70 weekly.
Carers Allowance at £62.10 can be
claimed by him but it will not be paid
due to his Contribution Based ESA
£109.30 paid at a higher value.
They will still get the Carer Premium at
£34.60 added.
If his partner claimed Carers Allowance
it would be paid giving them the extra
value of the Carer Premium at £34.60
weekly.
But they would then lose one SDP
worth £61.85 weekly, so a net loss of
£27.25 weekly.
Any backdated Carers Allowance does
not lose any SDP already paid.
The Severe Disability Premium
This is worth £61.85 weekly per person who qualifies
and is paid in most means tested benefits.
To qualify you must have middle or high care of DLA,
AA, PIP daily living component or certain industrial
injuries and war disablement pensions.
And
You count as living alone
And
No one gets paid Carers Allowance for you
The Carer Premium
This is worth £34.60 for each person that qualifies
and is included in means tested benefits.
To qualify you must claim and be paid Carers
Allowance or have entitlement but not paid due to
another overlapping benefit of a higher value.
Overlapping benefits include, Contribution Based
ESA, Incapacity, Severe Disablement Allowance
(SDA), Retirement Pensions, Maternity Allowance,
Contribution Based Jobseekers, Widows and
Bereavement Benefits.
No claim is needed in Universal Credit
The Disability Premium in HB,
CTB, IBJSA & IS
Any of the following will allow this
premium at £32.25 weekly for
single people and £45.95 for
couples?
DLA, PIP, SDA, & Incapacity
The Enhanced Disability Premium
in HB, CTB, IBJSA & IS
The High Care of DLA will allow
this premium at £15.75 weekly for
single people, £22.60 for couples
and £24.43 for children?
The Enhanced Disability
Premium in HB, CTB, IB/ESA
The Support Group of ESA will
also allow this premium at
£15.75 weekly for single people,
£22.60 for couples
If you come across anyone who
has full HB and/or full CTB and
they are not on a means tested
benefit alarm bells should start
ringing as they may be below
their applicable amount and
possibly should be claiming
something else?
END
Questions and Answers?