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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Teen and PIP

129 replies

Sunshineandpool · 05/08/2024 17:08

Just looking for opinions on this and what you would do.

So teen is 17. Recently been diagnosed with Autism and ADHD. They have been awarded around £600 in PIP. All fully in their name - no one acting on their behalf.

Their mother is worried about them suddenly having a lot of money that they may not spend sensibly.

Options she is considering:
Teen has half but has to save £50 of it. The other half the mother will have and will make sure it is spent on things to support the teen with their autism/ADHD

Teen has all the money

Mother has all the money and gives teen an allowance of £100 per month. The rest of the money she spends on things to help with teen's disabilities. She will also save some for the teen to give her a small financial buffer in future.

Just to clarify the money legally belongs to the teen but she is open to her mother helping to manage it.

So wwyd? One of the options or something completely different.

OP posts:
nothingcomestonothing · 09/08/2024 16:07

Starlingexpress · 09/08/2024 16:05

I would have assumed this assessment of what the extra costs are would be submitted as part of the application process?

Then you don't know about the PIP process because that forms no part of it. If it did the government would likely end up paying more to a lot of families.

SugarandSpiceandAllThingsNaice · 09/08/2024 16:14

nothingcomestonothing · 05/08/2024 17:35

No it's not assessed it's assumed. It's a stupid system.

It is assessed! There is a section on PIP regarding ability to make budgeting decisions which assesses capability to handle money.

SugarandSpiceandAllThingsNaice · 09/08/2024 16:15

Sunshineandpool · 05/08/2024 18:05

Well, no, they don't get assessed to have capacity to deal with it themselves.

You've reminded me of the other thing I wanted to ask. If she gets all/half the money should her mum expect her to pay for all her own things (beyond the basics?)

Should some go towards living costs? PIP isn't meant to be for normal living costs. It's for the extra cost of having a disability.

Unless she scored pts, yes handling money was assessed.
https://www.turn2us.org.uk/get-support/information-for-your-situation/personal-independence-payment-pip-assessment/handle-money

Personal Independence Payment (PIP) Assessment

Scoring points for handling money.

https://www.turn2us.org.uk/get-support/information-for-your-situation/personal-independence-payment-pip-assessment/handle-money

SugarandSpiceandAllThingsNaice · 09/08/2024 16:19

Sunshineandpool · 08/08/2024 09:09

Yes, I do agree with that in principle.

However, she is controlling the money with the consent of her DC

So her mother keeps half, a bit goes into savings and the rest the teen can spend as they like.

But does her DC know she can say no? It’s not consent if the teenager thinks they can’t say no, it’s not their decision.

nothingcomestonothing · 09/08/2024 16:20

SugarandSpiceandAllThingsNaice · 09/08/2024 16:14

It is assessed! There is a section on PIP regarding ability to make budgeting decisions which assesses capability to handle money.

But the ability to make their own application and manage their own money is assumed from age 16. So the assumption is that they can, before they even apply. Presumably it cuts down the number of successful applications, as people who believe they can do so without help, bit actually can't, don't make applications which tick the boxes in the right way to be awarded. Maybe I'm too cynical. But 16 year olds aren't trusted with much else legally but somehow disabled 16 year olds are assumed to be able to cope with this themselves.

SugarandSpiceandAllThingsNaice · 09/08/2024 16:21

ForFancyAquaFox · 08/08/2024 09:28

To PPs - no, capacity is not assessed as part of PIP.

But even if it was, capacity as assessed under the mental capacity act only assesses the individuals understanding in capacity to understand the issues discussed and make decisions in regards to them in the context of the physical or mental health condition that has prompted the capacity assessment. It includes the right to make what other people may consider 'bad decisions'.

I think a lot of posters don't understand what capacity is legally, hence all the posts on this threads and others; particularly where posters with elderly parents are told all sorts of nonsense about capacity.

Capacity to handle money is assessed under PIP.
That is completely different from mental capacity to consent to medical treatment.

SugarandSpiceandAllThingsNaice · 09/08/2024 16:24

nothingcomestonothing · 09/08/2024 16:20

But the ability to make their own application and manage their own money is assumed from age 16. So the assumption is that they can, before they even apply. Presumably it cuts down the number of successful applications, as people who believe they can do so without help, bit actually can't, don't make applications which tick the boxes in the right way to be awarded. Maybe I'm too cynical. But 16 year olds aren't trusted with much else legally but somehow disabled 16 year olds are assumed to be able to cope with this themselves.

But the 17 yr old did apply for PIP on their own with no one acting on their behalf.

It isn’t assumed, the form specifically has a section if it is being filled out by someone other than the claimant.

You are being too cynical, 16yr olds have jobs earning more and have full control of their bank accounts. 16yr olds also have full control of the medical records, ordering prescriptions, booking dr appointments. A disabled 16yr old isn’t getting more power or responsibility.

Toasticles · 09/08/2024 16:25

My 23 year old gets his pip in his account.
We have the opposite problem. His autism and severe social anxiety means he buys nothing. He has recently had his UC claim closed as it is all sitting in his bank account unused. He has 20k+
in his account. He now pays quite a hefty rent (500 a month) as he wasn't contributing to family expenses at all.

SugarandSpiceandAllThingsNaice · 09/08/2024 16:26

Universalsnail · 09/08/2024 12:59

Teen keeps money and can spend how they like but parent should be sitting down with them regularly to help budget and advise and basically teach them how to manage money responsibly.

This^

They can learn, so teach.

SugarandSpiceandAllThingsNaice · 09/08/2024 16:28

nothingcomestonothing · 09/08/2024 13:23

The money isn't for spending how you like though, it's for helping with the extra costs of the disability. And at 16, I doubt any of those are coming out of the teens pocket.

I think if you asked a 16 year with needs high enough to be awarded PIP how much or in what way their disability cost their parents they'd have no idea. If you asked my 15 year old (who gets higher rate care DLA) she'd have no comprehension of how her needs mean I can't work full time for instance. And I'm not sure I'd want her to fully understand the impact on my mental health and earning capacity her need have. If you asked her she'd probably just say I'm lazy Hmm

But they can begin to. Parent can talk to teen and discuss things that PIP should cover like taxi rides, additional therapy, any destress hobbies or support groups, their prescription prepayment cert for the ADHD medication….

pasta · 09/08/2024 16:37

It's a nightmare isn't it. My dd is 17. I use her PIP to pay for private psychiatry and if she would agree, I'd pay for psychology too. Her condition has had a massive toll on the family for years, I haven't worked full time since she started school. If she were to live away from us she would absolutely need PIP to pay for a cleaner, for ready prepared food and for taxis, so I am saving it for that day.

Starlightstarbright3 · 09/08/2024 16:45

I am appointee for my Ds . I use it for items that make life easier plan to pay for lessons when he is ready to learn to drive .

i also use it to buy additional clothing , food has specific foods he will eat , all his toiletries ..

He isn’t in college or apprenticeship so i get nothing to help with this

SunQueen24 · 09/08/2024 17:02

pasta · 09/08/2024 16:37

It's a nightmare isn't it. My dd is 17. I use her PIP to pay for private psychiatry and if she would agree, I'd pay for psychology too. Her condition has had a massive toll on the family for years, I haven't worked full time since she started school. If she were to live away from us she would absolutely need PIP to pay for a cleaner, for ready prepared food and for taxis, so I am saving it for that day.

These are exactly the costs I am envisaging - the cost of parents who haven’t been able to secure FT working (or even work at all) because of the extra care their child needs. I think it’s a bit naive TBH to think that families with disabled young people don’t suffer more financially and so IMO it follows that the PIP helps to support their household to support them.

SunQueen24 · 09/08/2024 17:03

nothingcomestonothing · 09/08/2024 16:05

I think that expecting a 16 year old to comprehend the costs involved to their parent of them having the needs they have is a tall order and quite likely to cause stress and distress. We are not talking about grown adults, this is from 16th birthday. No 16 year olds are paying board or paying for their own food surely?

And don't you think it'd be upsetting for a just turned 16 year old to sit down with mum and hear 'well you cost me extra than a normal kid would because of x, and y, and double of this and loads of that' because of something they can't help? Because they lose and break stuff more than other kids, they wet the bed and cause.more washing, they chew through the cuffs of their clothes etc etc? They're likely already self conscious about their difference without literally being sat down by their parent and have it itemised and being asked to pay for it all. I'm all for helping young people reach as much financial independence as they can, but I think that's a very big ask of a 16 year old, to set out the way they cost their parent more.

I agree.

LadyKenya · 09/08/2024 17:27

Starlingexpress · 09/08/2024 16:05

I would have assumed this assessment of what the extra costs are would be submitted as part of the application process?

Your assumption is incorrect.

Ted27 · 09/08/2024 18:38

@LadyKenya
@Starlingexpress

I would have to disagree, I have never specified or itemised particular costs or expenses as part of the application process

WaitingForMojo · 10/08/2024 03:43

SugarandSpiceandAllThingsNaice · 09/08/2024 16:14

It is assessed! There is a section on PIP regarding ability to make budgeting decisions which assesses capability to handle money.

That isn’t a capacity assessment!

WaitingForMojo · 10/08/2024 03:45

Ted27 · 09/08/2024 11:01

I was my son’s appointee at 16 and so received the PIP into my account, the same as his DLA. At 16 he wouldnt have been able to manage it.

When he turned 18, after a lot of work, we sat down and talked about how the money should be used.
My son did a lot of activities such as scouts and Duke of Edinburgh, sports, - all things which contributed to developing independence and living skills. So I kept the money to pay for all of that, plus a chunk of driving lessons and getting him set up for uni.
Now he’s at uni I still receive the money but transfer it straight to him. From thus year he wants me to put it into a savings account so I will.

Be careful, if he saves over 7k it will begin to affect his entitlement.

SpaceRaiders · 10/08/2024 06:47

Why are pp still adamant that PIP assesses capacity? You simply fill out the form and in many cases you have absolutely no F2F or phone interaction with DWP.

Lingfield01 · 10/08/2024 09:20

PIP isn’t meant for extra expenses relating to disability. My son gets it, it’s a daily living benefit to ensure a decent quality of life if you’re unable to earn and the amount you receive depends on your level of need. It is not intended to cover ‘disability’ costs.

LadyKenya · 10/08/2024 09:28

Ted27 · 09/08/2024 18:38

@LadyKenya
@Starlingexpress

I would have to disagree, I have never specified or itemised particular costs or expenses as part of the application process

Yes, that is right, no one needs to.

Topofthemountain · 10/08/2024 09:29

Lingfield01 · 10/08/2024 09:20

PIP isn’t meant for extra expenses relating to disability. My son gets it, it’s a daily living benefit to ensure a decent quality of life if you’re unable to earn and the amount you receive depends on your level of need. It is not intended to cover ‘disability’ costs.

Yes it is there to cover extra costs. You can claim PIP whilst working, but if you are not working PIP is on top of any other benefits.

This what is said on the .gov site.

Teen and PIP
LadyKenya · 10/08/2024 09:32

Lingfield01 · 10/08/2024 09:20

PIP isn’t meant for extra expenses relating to disability. My son gets it, it’s a daily living benefit to ensure a decent quality of life if you’re unable to earn and the amount you receive depends on your level of need. It is not intended to cover ‘disability’ costs.

Really? I beg to differ. Plenty of people who are in receipt of PIP actually work as well, you know. It is intended to cover the extra costs that being disabled tends to bring.

nothingcomestonothing · 10/08/2024 09:43

Lingfield01 · 10/08/2024 09:20

PIP isn’t meant for extra expenses relating to disability. My son gets it, it’s a daily living benefit to ensure a decent quality of life if you’re unable to earn and the amount you receive depends on your level of need. It is not intended to cover ‘disability’ costs.

No it isn't a daily living benefit, it's nothing to do with what you earn - you can work full time and still get PIP. I think you're thinking of universal credit.

Sirzy · 10/08/2024 10:06

People will use PIP in different ways depending what their costs are in life. For many families it will go into the overall pot of money needed to survive to the end of the month, for others it will all be spent on specific therapies. Some may save it for a more expensive item. Most will have a combination of the above.