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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To ask if adult daughters earnings effects our Universal Credit

109 replies

astressfulmess · 14/01/2023 11:11

Dh works full time, I'm a SAHM with 2 young dc and we get a small amount of Universal Credit.
Our dd moved out at 19 but needs to move back home but she's earning a good wage, more than dh.
I am trying to work out how this will effect our Universal Credit.
I've attached some information I've found online but I'm unsure which of these or both is applicable.
Does anyone else have a adult working child at home that can advise, it looks as though she's going to have a lot of money to be able to come home.

OP posts:
Original poster
astressfulmess · 14/01/2023 11:31

IhearyouClemFandango · 14/01/2023 11:28

Have you been through Entitled To or similar?

Not yet, we're just trying to work out if we can afford to have her back home as by my original workings out I couldn't charge her £600 for a box room, she could rent a one bed flat for that. Which she isn't ready to do.

OP posts:
ProblemsBacktoback · 14/01/2023 11:32

I’m in same situation but dd gets pip - will we still lose the £77 a month ?

JustKeepBuilding · 14/01/2023 11:33

ProblemsBacktoback · 14/01/2023 11:32

I’m in same situation but dd gets pip - will we still lose the £77 a month ?

Not if DD receives the daily living component of PIP as that is one of the exemptions.

Goldilocksmother · 14/01/2023 11:33

£600 a month wouldn’t include bills or food - £150 a week isn’t that bad.

Beautiful3 · 14/01/2023 11:34

Could you use the benefits calculator online, add your daughter's details to see how it's affected?

Ursuala · 14/01/2023 11:36

astressfulmess · 14/01/2023 11:31

Not yet, we're just trying to work out if we can afford to have her back home as by my original workings out I couldn't charge her £600 for a box room, she could rent a one bed flat for that. Which she isn't ready to do.

Show quote history

Does she have an alternative to moving back home?

IhearyouClemFandango · 14/01/2023 11:36

Going through an online calculator seems a logical first step?

ProblemsBacktoback · 14/01/2023 11:37

JustKeepBuilding · 14/01/2023 11:33

Not if DD receives the daily living component of PIP as that is one of the exemptions.

Show quote history

Thank you I’d asked CAB but they said we would have the deduction as she gets pip but works so I was confused as online it said otherwise but the advisor said if she works they deduct

Shinyandnew1 · 14/01/2023 11:39

astressfulmess · 14/01/2023 11:31

Not yet, we're just trying to work out if we can afford to have her back home as by my original workings out I couldn't charge her £600 for a box room, she could rent a one bed flat for that. Which she isn't ready to do.

Show quote history

She might be able to rent a flat for £600 but would that cover food/bills/insurance?

What are her other alternatives if you say no? I bet even charging her, you’re still going to be the cheapest option.

Theunamedcat · 14/01/2023 11:39

You get deducted the 77 pounds a month from the UC and you will need to pay full council tax

Sunbird24 · 14/01/2023 11:40

OP, if it helps my house-share tenants pay £450 per month for an en suite room including all bills, broadband and a cleaner, and we’re not in a big city. They pay for their own food, clothes, mobiles and motors etc.

I’m sure you can agree an amount that covers all the changes in bills etc for you as well as being a bargain for her and allowing her to save up. Remember you’ll also want to have conversations about doing chores, having friends round and that sort of thing too. Open and honest communication about expectations and boundaries is key with adult DC moving back in with parents!

JustKeepBuilding · 14/01/2023 11:40

ProblemsBacktoback · 14/01/2023 11:37

Thank you I’d asked CAB but they said we would have the deduction as she gets pip but works so I was confused as online it said otherwise but the advisor said if she works they deduct

Show quote history

CAB are wrong, working or not is irrelevant when the non-dependent gets daily living PIP.

Hwory · 14/01/2023 11:40

If you look at the OP’s working out she was including the large non dep deduction for Housing Benefit too (incorrectly). She was only allotting £200 for bills and food. So it’d be £277.78 per month not £600.

Hwory · 14/01/2023 11:43

And you can’t really give advise on Council Tax as each Council can determine their own Council Tax Support/Reduction Scheme. At the council area I live in there’s no non dep deductions for UC CTS claimants. She might already be paying full council tax depending on how much her husband earns.

redskydelight · 14/01/2023 11:45

If she pays you board money, you'll have to declare that as income, so that might further decrease your payments?

Original poster
astressfulmess · 14/01/2023 11:46

Does she have an alternative to moving back home?
She's not ready to move out yet, she's had a recent trauma which caused a great deal of anxiety and she wants to come home.
She can afford to rent privately bud I'd like to encourage her to save for a deposit to buy if she can and if we can afford to give her the opportunity.

OP posts:
Ursuala · 14/01/2023 11:46

redskydelight · 14/01/2023 11:45

If she pays you board money, you'll have to declare that as income, so that might further decrease your payments?

It will

And will be in addition to the IC flat rate

Ursuala · 14/01/2023 11:47

astressfulmess · 14/01/2023 11:46

Does she have an alternative to moving back home?
She's not ready to move out yet, she's had a recent trauma which caused a great deal of anxiety and she wants to come home.
She can afford to rent privately bud I'd like to encourage her to save for a deposit to buy if she can and if we can afford to give her the opportunity.

In that case, no matter what I’d get my DD home sharpish.

PinkSyCo · 14/01/2023 11:48

Blimey I’m surprised that the answer to OP’s question is that only around £77 per month would be deducted!! I’m sure I had around that amount deducted a couple of years ago when my DS only worked 3 days in a minimum wage job.

Ursuala · 14/01/2023 11:50

PinkSyCo · 14/01/2023 11:48

Blimey I’m surprised that the answer to OP’s question is that only around £77 per month would be deducted!! I’m sure I had around that amount deducted a couple of years ago when my DS only worked 3 days in a minimum wage job.

Plus any rent received will be regarded as income

Original poster
astressfulmess · 14/01/2023 11:50

Hwory · 14/01/2023 11:43

And you can’t really give advise on Council Tax as each Council can determine their own Council Tax Support/Reduction Scheme. At the council area I live in there’s no non dep deductions for UC CTS claimants. She might already be paying full council tax depending on how much her husband earns.

Yes we pay full council tax

OP posts:
Augend23 · 14/01/2023 11:51

I mean if board money would be counted as income she might be better off doing a family food shop a few times a month and contributing that way...

PinkSyCo · 14/01/2023 11:53

Ursuala · 14/01/2023 11:50

Plus any rent received will be regarded as income

Show quote history

So UC would accept OP not charging her DD rent at all?

Ursuala · 14/01/2023 11:53

PinkSyCo · 14/01/2023 11:53

So UC would accept OP not charging her DD rent at all?

Show quote history

yes
but non issue (unless planning to commit benefit fraud) because she will charge rent

PinkSyCo · 14/01/2023 11:54

Augend23 · 14/01/2023 11:51

I mean if board money would be counted as income she might be better off doing a family food shop a few times a month and contributing that way...

Well yes it makes no sense at all and makes it very easy to cheat the system.

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