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Original poster

Adult child living at home

32 replies

Bonkerz · 26/02/2019 12:19

This may be a little more complicated or I could be totally over thinking it.

DS is 18. Just finishing a levels. He has asd so stayed an extra year at college. Been offered a uni place but isn't ready emotionally or maturity wise to go.

We asked authority to fund one more year of college but they refused as academically he's got enough ucas points to go uni.

DS wants to now go work full time for a year. He likes his part time job at a supermarket and they have said full time will be ok from July.

This is where it gets complicated.
DS gets PIP. I get carers. I assume this will continue as he still needs my support and help to do everything. Work are very supportive of him but the way his job is suits his autism etc.

I'm a single parent. Obviously I will lose his child benefit and tax credits but does anyone know if I will have to declare his income as 'household' income? He will be earning a lot full time and whilst his income would be his minus a nominal rent I really wouldn't be able to cope if universal credit look at his income too.

OP posts:
Numptysod · 26/02/2019 14:07

His wages will be counted! But pip and carers ( non means tested) so your still get that?

But council tax will go from 75% to 100%

MyDcAreMarvel · 26/02/2019 14:11

As your dd rather than yourself revives pip then your allowance for rent under UC will be reduced. Other than that his income won’t affect your UC.

MyDcAreMarvel · 26/02/2019 14:11

ds receives

Original poster
Bonkerz · 26/02/2019 14:22

I don't pay rent. We currently get 50% reduction on CT due to cater and lone parent so I'm guessing that will be just 25% from July.

I've been on entitled to and it says we will lose about £90 a week!

OP posts:
MyDcAreMarvel · 26/02/2019 14:39

You will only lose single person discount to council tax so then you will get coubcil tax support based on 100% of total council tax not 75%.
You will als0 lose child benefit also the child and child disability elements of UC. However any earned income by your ds will not affect your UC.

DustyDoorframes · 26/02/2019 14:40

It's calculated on the assumption that the money coming in is household money. Will he be bringing in more than 90 a week extra? It sounds like the two of you are going to have to sit down and do some suns, and have a conversation. It's a headache!! And a tricky one on the heart!

MyDcAreMarvel · 26/02/2019 14:42

It's calculated on the assumption that the money coming in is household money
That is incorrect money from dependants is deducted for rent only.
Household money relates to partners only.

DustyDoorframes · 26/02/2019 15:04

Thank you for setting that right, marvel! Apologies for spreading misinformation!!!

Original poster
Bonkerz · 26/02/2019 17:37

Thanks all for you help.
It's such a difficult thing. He wants to save for uni but I cannot support him without him helping with the bills.
He's just not ready for university.

OP posts:
KanielOutis · 26/02/2019 18:36

If DS is your only child and he can work full time, can you work full time too? With two full wages and PIP coming into the house there will be plenty of money to go round and you won't need to worry about losing UC.

Original poster
Bonkerz · 26/02/2019 19:19

He's my eldest. I have a 13 and 7 year old too and already work full time as a childminder!

OP posts:
MyDcAreMarvel · 26/02/2019 19:25

If you are still planning on supporting your ds ie paying the full untility bills, mortgage , his food etc . Then I would ask him to pay you the equivalent of the child benefit and tax credits you will lose as “ board”.

MyDcAreMarvel · 26/02/2019 19:26

Also how are you receiving carers allowance if you work full time?

Original poster
Bonkerz · 26/02/2019 19:58

I'm a childminder. I charge £3.25 an hour per child. I work 30+ hours a week. My income after deductions is around £100 a week.

OP posts:
Original poster
Bonkerz · 26/02/2019 19:59

Just to add I try to keep my hours to school times and also only work term time due to my caring duties with DS and my other two children

OP posts:
BarbaraofSevillle · 28/02/2019 07:16

You can see how his income will be taken into account for housing benefit here.

Yes, you will lose money. This is a well known issue for people receiving significant tax credits when their DC no longer qualify.

But if he is 'earning a lot' then he can afford to help you out in addition to saving for university. That's the reality of what has to happen in your situation. Or you need to earn more.

ivykaty44 · 28/02/2019 07:45

I would really advise you to seek advice from citizens advice

Do you get Housing benefit? If you do then your ds will be counted as a non dependant and his wages proof will be required as they will deduct a set amount for his “rent” from his earning, that he is “expected” to pay

ivykaty44 · 28/02/2019 07:46

Sorry Barbara- I didn’t read your post 😳

Stickmangate · 28/02/2019 07:50

Non dependant deductions are made based on their gross income and are made for housing benefit and council tax support/reduction. I also believe that something similar exists in UC but not sure if this only occurs if you get the housing element

Iloveantiques · 28/02/2019 07:58

No problems with PIP continuing to be paid if he works or your carers allowance as long as you continue to earn under the earnings limit and provide 35+ hours of care.

I expect the majority of what you are losing is tax credits which you would lose anyway when your son stops being your dependant.

Have you done a better off calculation to see if a move to UC is better for you? The calculator on a website called policy and practice is really useful and allows you to do a comparison at the end between legacy benefits and UC.

Iloveantiques · 28/02/2019 08:01

Non dependant deductions are only an issue if you have housing costs. Otherwise his earnings don't affect your other entitlements

anniehm · 28/02/2019 08:06

Yes, now he's 18 and not in full time education you need to declare him as a second adult which affects council tax and other benefits. Pip isn't affected but you need to tell them any change in circumstances. Carers is dependant on the number of hours of care you provide - I was advised that I wasn't eligible if she was in full time work but kept qualification for pip. As to university, is a local university an option? Dd lives at home and is loving university, they offer better support than school in fact!

NWQM · 28/02/2019 08:29

Your earnings seem to be over the £64 weekly limit for carers allowance so I’d really suggest you get some real life advice least you end up with a large back payment. Apologies if I’ve read it wrong but I think you’ve said your earnings are circa £100.

BarbaraofSevillle · 28/02/2019 08:46

I thought the earnings limit for carers allowance was around £100 or so, and carers allowance itself was about £64 pw?

NWQM · 28/02/2019 09:13

Yes, sorry. I was typing in haste.....it’s £120 I think so earnings really close but OP is presumably tightly watching that. £64 was in my head as it’s a lot to lose each week.

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