Tax Credits And Universal Credit

(31 Posts)
Dave20 Sat 12-Jun-21 22:03:36

I wonder if anyone can assist. I’ve looked into the benefits calculator to see if there’s any benefits we can claim.
Originally the gov website said we may be eligible for child tax credits, but I’m aware new claimants can’t claim tax credits. The newer systems of universal credit just said we’d be entitled to child benefit, which most people get.
Our situation is;
I’m 39 and work 39 hours a week. I earn £432 a week before tax. Annual salary of £22,500.
DW is 35 and works 22 hours a week. She earns just under £800 every 4 weeks.
We have two children, a 6 year old and an 8 month year old.
From September we are sending our 6 year old to after school childcare, £30 per week.
We also own our own home.
Anyone know if we can actually claim anything? Our joint income is around £32 k per year, mine and DW salaries combined.
It’s a bit of a minefield.
Thanks

OP’s posts: |
Lougle Sat 12-Jun-21 22:26:26

You're just on the cusp of eligibility. You might just be eligible for about £3 per week now, but in September when the £20 uplift ends, you won't be.

Dave20 Sat 12-Jun-21 22:51:53

Ok so basically we’re not entitled to anything?!

OP’s posts: |
Lougle Sat 12-Jun-21 22:56:51

Basically, yes. Your income is too high.

Lougle Sat 12-Jun-21 22:59:38

If you were renting you might have been entitled to a little bit more, but it would only offset any increased outgoings in the form of rent, so you wouldn't be better off.

Saladd0dger Sat 12-Jun-21 23:03:42

Go on the universal credit essentials website. They show you how to work your award out correctly. We never got anything on the old system. We get quite a bit of help on uc

Dave20 Sat 12-Jun-21 23:16:43

Salad, could you tell me the exact website please?

OP’s posts: |

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imfeelinit Sat 12-Jun-21 23:27:14

Have a look at https://www.entitledto.co.uk . It will ask for some details but should tell you exactly what you can claim.

VanCleefArpels Sat 12-Jun-21 23:32:11

You need to be considering how you can increase your income either by finding better paid jobs and/or cutting expenditure.

Lougle Sat 12-Jun-21 23:33:02

Do you rent @Saladd0dger? People who rent get a better deal with Universal Credit, in that their whole eligible rent is taken into account, although they get a lower work allowance. People who own, like the OP, get a flat rate of work allowance, no matter how big their mortgage.

Babyroobs Sun 13-Jun-21 00:03:47

What is your net pay each ? Based on your gross pay figures your income is too high for any help but Uc is based on your net earnings in your monthly assessment period.

Terminallysleepdeprived Sun 13-Jun-21 00:06:16

It's unlikely you will get anything. I earn 20k as a single parent and though I no longer claim I was only entitled to £40/month

Babyroobs Sun 13-Jun-21 00:09:35

You would get standard couples element £596.58 ( reducing to £509.91 after September).
2 x child elments one higher and one lower =£519.58.
Child care costs ( averaged ) = £110.50.
Total UC = £1226.66 per month.

You then take any net wages reported by HMRC in your monthly assessment period, take away £515 ( work allowance ) then multiply by 0.63. This gives you the deduction form your total UC.
As you are paid weekly and your partner four weekly, the paydays that fall in your monthly assessment period will vary each month, there will be one month a year where your partner would have 2 paydays fall in the monthly assessment period.

Lougle Sun 13-Jun-21 00:22:10

"You would get standard couples element £596.58 ( reducing to £509.91 after September).
2 x child elments one higher and one lower =£519.58.
Child care costs ( averaged ) = £110.50.
Total UC = £1226.66 per month."

Would it not be only 85% of the childcare costs though?

Babyroobs Sun 13-Jun-21 00:28:45

Lougle

"You would get standard couples element £596.58 ( reducing to £509.91 after September).
2 x child elments one higher and one lower =£519.58.
Child care costs ( averaged ) = £110.50.
Total UC = £1226.66 per month."

Would it not be only 85% of the childcare costs though?

Yes op said £30 a week childcare, so I averaged it. 30 x52 divided by 12 then x0.85 = £110.50. Obviously actual childcare costs will be different if paid weekly but without exact figures i have averaged it.

Lougle Sun 13-Jun-21 00:30:32

@Babyroobs Ah, I was working on 39 weeks per year, because OP said it was an after school club.

Babyroobs Sun 13-Jun-21 00:33:41

Lougle

*@Babyroobs* Ah, I was working on 39 weeks per year, because OP said it was an after school club.

Of course - my mistake. I think still very unlikely there's any eligibility.

Lougle Sun 13-Jun-21 00:37:22

Yes, I ran the elements through and thought they could get £3 per month at a push. But after September even that would go.

excelledyourself Sun 13-Jun-21 10:43:43

Terminallysleepdeprived

It's unlikely you will get anything. I earn 20k as a single parent and though I no longer claim I was only entitled to £40/month


Really? I was receiving £98 a month on 28k.

Babyroobs Sun 13-Jun-21 11:10:28

As previously mentioned though it depends on so many individual factors. Just because two people get the same wage it doesn't mean they will get the same Uc because factors like children's disability/ inability to work/ rent costs and local housing allowance rates, caring responsibilities will all give extra elements on a Uc claim.

LakieLady Mon 14-Jun-21 19:20:35

Babyroobs

As previously mentioned though it depends on so many individual factors. Just because two people get the same wage it doesn't mean they will get the same Uc because factors like children's disability/ inability to work/ rent costs and local housing allowance rates, caring responsibilities will all give extra elements on a Uc claim.

And pension contributions make a difference to net pay, so increase UC entitlement.

Are there no childcare costs for the youngest, OP?

Dave20 Thu 08-Jul-21 19:47:46

Hi everyone , been off the site for a bit.
I’m looking again at our situation.

With regard to childcare costs, were looking at sending our 6 year old to after school club which will cost £30 per week.

We are also thinking of sending our 9 month old to nursery for £25 per week or £50 per week, if we are eligible for UC.
So our total childcare care costs would potentially be £330 per month, but we couldn’t afford to pay this all unless we have UC.

OP’s posts: |
Dave20 Thu 08-Jul-21 20:45:04

Bump

OP’s posts: |
SciFiScream Thu 08-Jul-21 23:43:20

If you both pay a little bit more into your workplace pension and reduce the amount you earn net, you might be eligible?

Put figures in for that. It could be worth it plus you are then saving for your future.

Dave20 Fri 09-Jul-21 14:46:46

I pay 22 per week into my work pension and DW pays the minimum requirement.
The Turn2us website says we may be entitled to £67 per week UC, or £47 per week after the £20 is taken away by the government soon.
Again it’s confusing.

OP’s posts: |

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