I know this will be contentious - cost of living rise

Agree, or to the level of someone who has a disability such as rheumatoid arthritis, exacerbated by the cold. And yet another poster assuming that all pensioners earn a ‘middle income’ on benefits. Each month my mum gets £550 basic pension, £368 pension credit and £360 attendance allowance. £1278 is hardly a middle income is it ?

I didn’t describe any scenario other than to say that I believe @antelopevalley who merely stated that her married friend couldn’t get the loan in the 1990s without her husband to co-sign. You then said it was bollocks because you as a single woman got a loan on your own. I then said single is not the same scenario as married and post proof and now you’re going on about it’s not the scenario I described! The only scenario was a married woman in the 1990s needed her husband to co sign. It not only was true, but is still is true today for many lenders. It’s you who is confused and thing single women and married women were always treated the same.

Yes I get the £400 as does every household- so that hardly counts as “extra help working people don’t get” as everyone is getting that. Not sure what the “£150 ct” refers to.

I assumed it referred to the £150 paid to those on DLA/AA/PIP.

Yes, there’s a lovely sentiment running through this thread isn’t there ? If disabled people and other benefit claimants aren’t struggling, they’re obviously being paid too generously and we should lower means testing thresholds until they do struggle. Because they deserve it. Scrounging bastards.

because people are leaving out money they are getting and making out they are worse of than they are making out they are getting less than they are

some on here dont have a basic knowledge of benefits so rhe wool can be pulled over their eyes but some do have an idea and im amazed rhat so many try to leave the ££ out as it will not look good with some add on's

also the lady who's dh is self employed did not answer the ?? from posters i wonder why probably because they do get UC and CA is claimed so high is awarded

HERE op's partial post

My daughter (seriously disabled physically and mentally) qualifies for higher rate DLA and mobility component (which goes on our WAV).

i thought you knew everything obviously not i suggest read the threads well before getting it all wrong and yes the lady gets high both rate DLA for her daughter,maybe you should re read

This BS does not happen anymore. A single woman CAN get a loan.

Ct is the council tax refund but only for homes in the A to D bracket.
I received mine in May.

I never said a single woman couldn’t!

Ok. But again that’s not help for being disabled. The only help I get for being disabled is £150 lump sum due to being on PIP. As a pp said, the media has made it sound like disabled are getting £1200 for being disabled.

Go back to page 18, it was explained on there why a husband would be asked to co-sign a loan t his wife.

The purported reason why doesn’t matter imho. You read past politicians and philosophers on reasons why a wife must get a husband to give permission for something, or sign with her or for her…well the reasons are endless and cloaked in logic. But it all boils down to the same thing, they have to make sure womenz aren’t accidentally spending all their money on shoes and eyeliner.

This is what happened to my husband and why hes still working in his 70's

That’s not correct. You get ni credit if your salary is above the ni limit which is £123 a week but you don’t actually pay any ni until your are above the primary threshold which is £190 a week. Carers allowance is lost at £132 a week so anyone earning enough to lose carers is earning above the lower earnings limit so will get ni credit

I don't understand the NI credit bit. So if you earn £123 a week your employer pays the NI or is it not credited at all ?

well the reasons are endless and cloaked in logic. But it all boils down to the same thing, they have to make sure womenz aren’t accidentally spending all their money on shoes and eyeliner

OK. Whatever. I mean, you're wrong but you've got a bee in your bonnet about it that no reasoned argument is going to shift. My mother was the same, no amount of logic or evidence would convince her otherwise and arguing with her was like beating your head against a brick wall because she always had to be right, however illogical her stance and whatever we said to demonstrate otherwise.

Tried to explain in detail why the two scenarios are completely legally different, you’re wasting your breath

@RunningSME I know, I'm out.

You can claim UC and carer’s allowance at the same time, UC just deduct the CA £ for £. A family on CA and £20k pa with a severely disabled DC would be eligible for UC.

HRC/HRM DLA is over £600 per 4 weeks, although the poster will only be receiving just short of £370 of that in money due to the WAV.

you get ni credit for state pension purposes, ie it counts as a year you’ve paid ni when counting how many years you have to see if you qualify for state pension but you don’t actually have to pay anything

I wasn’t being rude - I genuinely didn’t understand the point you were trying to make in your post. I’ve read the thread and the lady’s post and I asked for clarification of yours because I didn’t understand the point you were disputing, that was all. You obviously didn’t read my post further down, correcting myself because I posted £600 a week and meant per month - every four weeks to be exact. Not that I don’t know what I’m talking about. - just that I posted before I realised how it read and there is no edit facility on MN. And yes, obviously less because of the motability vehicle direct payment from mobility component.

But I am correct in that Carer's Allowance counts as income when UC is calculated. It’s deducted from UC pound for pound. An extra amount is then added to UC called a 'carer element' but it’s paid at a lower rate than CA, which is £69.70 per week and the carer element of UC is paid monthly and works out at £38.85 a week. You cannot claim CA and UC at the same time - CA is classed as an income replacement benefit, as is UC and you can’t claim both. There are other benefits such as ESA or JSA which are also income replacement benefits so you can’t claim CA with them either - income related ESA would attract a carers premium similar to UC.

I also don’t think the poster was trying to leave anything out, or make out she’s worse off than she is. She hasn’t said she is claiming UC - she may have savings that take her over the threshold, or she may have worked out that she will be worse off if the amount she can claim is less than CA. Doesn’t make her, or anyone else dishonest.

So they end up without the CA, which is exactly the same thing as I said. You can’t claim UC and CA at the same time - they’re both income replacement benefits. UC would deduct CA pound for pound from UC entitlement and replace it with a carer element, which is much less than CA, so it depends on whether UC entitlement is more than the CA she gets now.

No, it’s not what you said. Stating you can’t claim CA and UC at the same time is incorrect. And, it is not the same thing as stating you can claim UC but UC deduct the amount of CA £ for £. Not the same thing at all as people still receive both benefits. Many claimants claim both at the same time.

UC don’t replace CA with the carer element, it is as well as, and a claimant doesn’t even need to be claiming CA to receive the carer element.

She will not be worse off for claiming UC, it doesn’t work like.

This lists all the overlapping benefits you can’t claim together, as you will see it doesn’t include universal credit because you can claim UC and CA together.

Sorry, you’re right. I omitted to say an NI credit would be made anyway between £123 and £242. I wasn’t getting into the specifics about earnings thresholds for NI as the poster was talking about earning enough to lose CA. The primary threshold is £242, at which NI would actually be paid, rather than being a credit.