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Original poster

Can I claim benefits?

166 replies

babyt2020 · 11/03/2022 12:33

Just curious as everyone keeps saying we should be entitled to something! I've never thought so but Martin Lewis seems to think so. We own our house outright, we bought it in September last year. My partner earns £24,000 per year and I don't work as we have an 8 month old and a 20 month old?

OP posts:
oviraptor21 · 13/03/2022 16:38

@Babyroobs

i do think inheriting a house is a bit different to deliberately spending all your savings outright on buying a house and then claiming benefits to top up a low income though.
You can't do this in order to gain entitlement to benefits. That's called deprivation of assets and you would be deemed to still have those assets. If you do it for another reason though, that's OK.
whatsthestory123 · 13/03/2022 16:46

not trying to stir it but you do know you can be on benefit and clear the mortgage and contunue to get income based benefits

i think some rightly on here that havent claimed dont know how the benefit sytem can work which is understandable

whatsthestory123 · 13/03/2022 16:51

and eys they did help pay a small amount of intrest on a mortgage up till a few years ago (income support) but not a match for housing benefit,you had to wait 9 months before they helped in many cases and then the amount was very small

now you can get an amount but they put a charge on your house and add interest so not exactly helping the payer and seem to remember the take up was low and im not surprised

FTEngineerM · 13/03/2022 16:56

you do know you can be on benefit and clear the mortgage and contunue to get income based benefits

That’s what the entire thread is about.

Getting income based benefits when you’ve paid off a house.

whatsthestory123 · 13/03/2022 17:04

i meant claiming IBB having a mortgage and then recieve a large sum and pay of the mortgage but still be getting benefit through out,no stopping of benefit

the op bought the house before IBB were an option there is a differrence

Original poster
babyt2020 · 13/03/2022 18:10

My partner owned his house which we were renting out, we then sold that and bought another with the money for us to live in. We had 3 miscarriages and 2 very traumatic births. We can afford to live but if I'm entitled to claim I'm sure as hell gonna do it! Bitter bitches 😜

OP posts:
FTEngineerM · 13/03/2022 18:23

😂
cute

Lipsandlashes · 13/03/2022 18:34

Do you not get it that benefits are supposed to be a safety net for when you’re struggling? They aren’t so you can sit on your arse watching Netflix and eating biscuits. Of course people are bitter, when our taxes are paying for your lifestyle choice.
Here’s an idea; on the three days your husband isn’t working, find yourself a job —and some self respect— HTH

Cocomarine · 13/03/2022 18:38

@babyt2020

My partner owned his house which we were renting out, we then sold that and bought another with the money for us to live in. We had 3 miscarriages and 2 very traumatic births. We can afford to live but if I'm entitled to claim I'm sure as hell gonna do it! Bitter bitches 😜
What’s the relevance of the miscarriages and traumatic births? As someone who has had both, I find it very distasteful that you would use those, just to throw that it to make some kind of non point. Have some respect.
Original poster
babyt2020 · 13/03/2022 19:12

Think I'll sign off now 'ladies' thanks for all the comments 😘

OP posts:
gamerchick · 13/03/2022 19:33

@Lipsandlashes

Do you not get it that benefits are supposed to be a safety net for when you’re struggling? They aren’t so you can sit on your arse watching Netflix and eating biscuits. Of course people are bitter, when our taxes are paying for your lifestyle choice. Here’s an idea; on the three days your husband isn’t working, find yourself a job —and some self respect— HTH
Oh dry up. Have you any idea what you sound like going on like that? Hmm
Original poster
babyt2020 · 13/03/2022 19:40

@Lipsandlashes do you seriously think I get chance to 'sit on my arse' with 2 babies under 2? I don't stop. Ever. Maybe an hour every other night I'll watch a Netflix series if I'm not too tired. How exactly does it affect you personally if I claim benefits? 🤷‍♀️🤷‍♀️

OP posts:
Peasock · 13/03/2022 19:46

[quote babyt2020]@Lipsandlashes do you seriously think I get chance to 'sit on my arse' with 2 babies under 2? I don't stop. Ever. Maybe an hour every other night I'll watch a Netflix series if I'm not too tired. How exactly does it affect you personally if I claim benefits? 🤷‍♀️🤷‍♀️[/quote]
Does your DH not help after work or on his 3 days off a week? But yes its worth checking out what you can get!

Original poster
babyt2020 · 13/03/2022 19:52

My partner is absolutely incredible, he hits the ground running every night when home and takes them at a weekend so I can nap.

OP posts:
girlmom21 · 13/03/2022 20:15

@babyt2020

My partner owned his house which we were renting out, we then sold that and bought another with the money for us to live in. We had 3 miscarriages and 2 very traumatic births. We can afford to live but if I'm entitled to claim I'm sure as hell gonna do it! Bitter bitches 😜
Stay classy.

Honestly, if you're staying with him you should marry him because it sounds like it's been a while since you've worked so you need some kind of legal security.

Alicesweewonders · 13/03/2022 21:50

Christ on a bike, some these comments are bitter...

We we're in a similar position op & could claim approx £400. I've since gone back to work part-time and get help to pay for childcare for my two kids. Costing approx £1200 a month - and some people would probably still complain about that too!

FTEngineerM · 13/03/2022 22:05

@babyt2020

My partner is absolutely incredible, he hits the ground running every night when home and takes them at a weekend so I can nap.
That’s just being a parent, not being incredible 😬

Yikes that’s a low bar.

catchingzzzeds · 13/03/2022 22:10

I don't begrudge you OP but the system seems so unfair. I'm a single parent with a mortgage earning £12000 a year and I'm entitled to £485 a month 🤷🏼‍♀️

Cheshirecatwoman · 13/03/2022 22:47

Been there with 2 under 2, plus traumatic birth and 1 miscarriage.

Managed to work 2 days a week then, with dh having a job that took him all over uk.

Have increased hours now dc more self sufficient. Always wanted to provide for myself and not be reliant on a partner to support me. It’s good for self esteem and sets a good example for the dcs.

Imitatingdory · 13/03/2022 23:03

catchingzzzeds you need to re look at your claim. As a lone parent with 2 DC on £1k a month you should get more than £485.

Standard element - £324.84
1st child - £282.50
2nd child - £237.08
Total = £844.42

Work allowance - £557

Earnings deduction
£1000 - £557 = £443
£443 x 0.55 = £243.65

Total £844.42 - £243.65 = £600.77

Hope my figures and maths are right.

Babyroobs · 13/03/2022 23:14

@Imitatingdory

catchingzzzeds you need to re look at your claim. As a lone parent with 2 DC on £1k a month you should get more than £485.

Standard element - £324.84
1st child - £282.50
2nd child - £237.08
Total = £844.42

Work allowance - £557

Earnings deduction
£1000 - £557 = £443
£443 x 0.55 = £243.65

Total £844.42 - £243.65 = £600.77

Hope my figures and maths are right.

She doesn't say she has 2 kids, it might only be one.
catchingzzzeds · 13/03/2022 23:15

@Imitatingdory thank you for taking the time to look into this, I'll phone tomorrow

Dawnofthefed · 13/03/2022 23:21

Can't believe some of these comments. Just being nasty for the sake of it.

"My partner is absolutely incredible, he hits the ground running every night when home and takes them at a weekend so I can nap.

That’s just being a parent, not being incredible 😬

Yikes that’s a low bar."

How very unpleasant and unnecessary.

Imitatingdory · 13/03/2022 23:21

Babyroobs she has 2 DC. If she only had 1 DC the figure would be lower than £485. Sorry Catchingzzzeds I AS in order to give you the correct figures.

Babyroobs · 13/03/2022 23:31

@Imitatingdory

Babyroobs she has 2 DC. If she only had 1 DC the figure would be lower than £485. Sorry Catchingzzzeds I AS in order to give you the correct figures.
Perhaps has deductions coming off for advance payments or debt repayments?
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