UC entitlement

[user26758]

Sorry not really AIBU but really need help with a UC calculation. I know there's calculators online but I don't know how accurate these are and I want to know before I make the claim. I've never claimed anything before so it's really overwhelming me and I don't know where to start. Is there anybody here who would help me? My circumstances are below:

Couple over 25 with 1 child who receives middle rate DLA, no mobility element as under 5.
Partner works & earns £21k.
Rent £800
No savings/any other capital

Please advice needed

I dont earn anywhere near that and dont qualify. Do you have a lot of children? Pay rent?

I make it that you will get £1031.17 Uc per month after deductions for partners earnings, then you'd have his wages, DLA and child benefit on top.
If you were to claim carers allowance seperately then that can be paid weekly but is deducted in full from your UC each month, so you are no better or worse off by claiming it although it does pay you a better class of NI contributions.

Does this include rent.

Sorry should have explained the calculation.
Couples over 25 element £578.82
Child element £269.58
Rent element £478.70
Disabled child lower element £146.31
Carers element £185.86.

Total Uc = £1659.27

deduction for earnings £1521 - 379 ( work allowance) x0.55 = £628.10

£1659.27 minus £628.10 = £1031.17 UC payable each month.

Yes it includes rent element but if the LHA that op gave is correct, it is still a lot less than the rent they pay but with private renting this is often the case.

@Babyroobs does that include carers allowance?

@Babyroobs sorry just seen your previous comments! Thanks 🙏🏻

It includes carers element , not carers allowance. You can still get Uc carers element if you chose not to claim the carers allowance separately. the only advantages to claiming carers allowance really are that it can be paid weekly so can help budgeting, it gives you a better class of NI contributions towards your state pension, and you get a £10 Christmas bonus !

@Babyroobs is the child element capped at 1 or do you receive it for any more?

It is capped at 2 unless all children were born before April 2017.

Childcare is what pushes it up. My entitlement is roughly £1500 a month, I own so get higher work allowance then I get about £600 a month UC after taper which doesn’t cover childcare but still it helps.

I do think life would be easier if we had more universal subsidised childcare/ more LA housing like scandi countries. It makes no sense to spend fortunes paying private landlords or forcing women ( nearly always women) out of work because they can’t afford childcare in the long term.

@Babyroobs I applied for UC on a joint claim whilst we are both working and it says I can get a maximum advance of up to £1660.59. From this do you know what the monthly payment might be? Would it be about £166?