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Universal Credit. How to get ‘discounts’ but not payments

10 replies

NotAnApricot · 03/10/2022 08:20

Could anyone help advise what we should do to help my 20 yo DD benefit from council tax discounts and anything else that is designed to help people working single people on low incomes to pay their utility bills.

Apart from the energy payment (which she’s never had) she doesn’t want any actual payments, just reduction in bills.

She has lived in a shared flat for 18 months and has just moved into a smaller place alone. She earns just over a £1000 most months and has been unable to work any more due to poor mental health during much of this period.

Her dad and I are financially secure so help her to the tune of about £400-500 per month so that she can afford to live.

We have preferred to do this as none of us want her to be dependent on benefits.

However, we’re at the point now where it’s not sustainable for us to keep essentially paying her council tax for her and taking her food shopping because she can’t afford it. It’s also unfair that she’s not getting help with fuel bills given her income and rising living costs. And she lives in the south east (her home town).

Can I ask what help a young single adult on a such a low income can get with bills and is going on UC the only way to get that help?

Can it be back dated? And what happens if your income is variable from month to month (zero hours contract but in a good working environment))?

Do you have to keep reapplying to UC every six weeks? (Has a quick look at the UC website but found it confusing)

Any advice greatly appreciated :)

In case anyone says she should just move back home… she is so welcome here but we live rurally now and she wants to in the city where she was born as it’s too isolated where we live. We chose to help with rent when she first moved out so that she could live in a safe area (she wasn’t assuming we’d help and was planning to move quite a rough area that she could afford)

OP posts:
NotAnApricot · 03/10/2022 09:06

Bump :)

OP posts:
BBBBMushroom · 03/10/2022 09:15

Does she have a MH diagnosis and a MH team?

She could try and claim PIP, I used to get it but failed it the last time it was renewed by 1 point and didn’t feel up to going to a tribunal. People can get it when in work. It is however becoming increasingly hard to get and was never easy. My MH team supported me claiming. I actually got medically retired so now get my work pension, though I have a long and complex MH history I did manage to work FT for almost 30 years apart from two major incidences.

Sorry I know nothing about UC as we never qualified.

CrossStichQueen · 03/10/2022 09:29

Once you claim UC they base your monthly award on your previous months earnings.
She can claim council tax support which you apply for via your councils website. Based on her earnings she may only get a few pounds off her bill.
UC is a continuous live benefit so does not need to be reapplied for unless the claim is closed.

PIP is a possible benefit but she will need to prove/show how her mental health affects her daily life and what medication and support she gets to improve/manage her mental health. It is a notoriously difficult benefit to get due to its points system.

If she is under 25 her UC award may look like this:

Personal Alliwence £265.31 pm
Housing element (rent) £400 (example)
Earnings £1000 deducted at 55p per pound with the first £344 ignored.
They will deduct &360 from the award so

UC award £305.31 pm
This is just an example.

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NotAnApricot · 03/10/2022 09:46

Thank you @BBBBMushroom and @CrossStichQueen she does not wish to claim anything related to mental health, for a variety of reasons.

Thank you for sharing your experience though, @BBBBMushroom x

I didn’t realise you could get a discount on council tax through the council directly.

Is there any way to get the government’s fuel payment for low earners without applying for UC??

tia

OP posts:
fairgame84 · 03/10/2022 09:51

If you go on turn2us.org.uk you can get a breakdown of what she would get.
My income varies each month so some months I get UC and others I get nil award but my claim stays open and you don't have to keep reapplying. They get your wage details straight from your employer.
I missed out on the fuel payment as I was on nil award at the time it was calculated.

CrossStichQueen · 03/10/2022 09:52

I didn’t realise you could get a discount on council tax through the council directly.

It's the only way to get help with council tax.

Is there any way to get the government’s fuel payment for low earners without applying for UC??

She should receive the £400 payment paid directly to her supplier of a 6 month period as all households are fetting that. If she uses a top up metre it will be credited to that.

womaninatightspot · 03/10/2022 09:58

CrossStichQueen · 03/10/2022 09:29

Once you claim UC they base your monthly award on your previous months earnings.
She can claim council tax support which you apply for via your councils website. Based on her earnings she may only get a few pounds off her bill.
UC is a continuous live benefit so does not need to be reapplied for unless the claim is closed.

PIP is a possible benefit but she will need to prove/show how her mental health affects her daily life and what medication and support she gets to improve/manage her mental health. It is a notoriously difficult benefit to get due to its points system.

If she is under 25 her UC award may look like this:

Personal Alliwence £265.31 pm
Housing element (rent) £400 (example)
Earnings £1000 deducted at 55p per pound with the first £344 ignored.
They will deduct &360 from the award so

UC award £305.31 pm
This is just an example.

I don't think she'd get the work allowance unless they agree that her health is such that she can not work full time, tricky if doesn't want to discuss mental health.

So using figures above
Personal Allowance £265.31 pm
Housing element (rent) £400 (example)

wages *.55

665.31-555 = 115.31 monthly payment could be less if rent allowance lower. There is a box to tick when you first apply which will automatically apply for council tax discount.

CrossStichQueen · 03/10/2022 10:01

I don't think she'd get the work allowance unless they agree that her health is such that she can not work full time, tricky if doesn't want to discuss mental health.

I was working on the basis that OP said DD cannot work more due to I'll health but yes it is something she would have to disclose and OP now states DD is unwilling to discuss it.

LateToTheParty · 03/10/2022 10:30

If she's now living on her own she should be able to apply for 25% discount on the council tax as a single person

HumourReplacementTherapy · 03/10/2022 10:36

UC can work well with a varied income as the amount of uc you receive varies depending on your earnings.

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