Active discussions

Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

Buy now

Please or to access all these features

Talk
Money matters

Find financial and money-saving discussions including debt and pension chat on our Money forum. If you're looking for ways to make your money to go further, sign up to our Moneysaver emails here.

Original poster

Joint claim uc

24 replies

Lanzy · 04/03/2023 05:39

I’m going to be making joint claim with boyfriend, I am already on universal credit and just wondered as he isn’t on it due to working, what is process? What do they need? Do they require bank statements?

will we be entitled too if we have savings combined of £12,000 and his monthly earnings of £1600? What is cut off?
thanks

OP posts:
Vegrocks · 04/03/2023 06:16

Savings

Tapered from £6k
none if more than £16k

any children?

you will be entitled to very little Uc with those savings and that income. None of you don’t have children

aa for the process. You do all on line and all clear. Would I be wrong in wondering whether you’re asking about bank statements for…. Less than pure interests?

Vegrocks · 04/03/2023 06:18

And in your other thread he earns £1700 after tax.

they take the figure pre tax. So no chance

GoodChat · 04/03/2023 06:25

Vegrocks · 04/03/2023 06:18

And in your other thread he earns £1700 after tax.

they take the figure pre tax. So no chance

This is correct OP, you won't get anything if you have no children. They'd expect him to subsidise you if you're a cohabiting couple.

Lalala0 · 04/03/2023 07:51

If you have children and have high rent and are claiming childcare costs and your not earning much you will probably get a little. They do take I think £4.25 off your allowance for every £250 you have over £6,000

Original poster
Lanzy · 04/03/2023 08:47

Vegrocks · 04/03/2023 06:18

And in your other thread he earns £1700 after tax.

they take the figure pre tax. So no chance

i don’t know for definite his earnings so this is rough guide i’m trying to get to see if eligible!!

OP posts:
Original poster
Lanzy · 04/03/2023 08:48

GoodChat · 04/03/2023 06:25

This is correct OP, you won't get anything if you have no children. They'd expect him to subsidise you if you're a cohabiting couple.

Show quote history

We have a baby :)

OP posts:
Vegrocks · 04/03/2023 08:58

Lanzy · 04/03/2023 08:47

i don’t know for definite his earnings so this is rough guide i’m trying to get to see if eligible!!

Show quote history

come again.

he is about to move in
he is father of your child
he will be the sole income
and you don’t know his earnings?

how long have you been with him?

Original poster
Lanzy · 04/03/2023 09:03

Vegrocks · 04/03/2023 08:58

come again.

he is about to move in
he is father of your child
he will be the sole income
and you don’t know his earnings?

how long have you been with him?

Show quote history

He doesn’t know what I earn either, should we know each others? :( always been kept seperate..just recently newborn
and we haven’t moved in yet for few reasons but becoming joint next month hopefully

OP posts:
Vegrocks · 04/03/2023 09:07

Lanzy · 04/03/2023 09:03

He doesn’t know what I earn either, should we know each others? :( always been kept seperate..just recently newborn
and we haven’t moved in yet for few reasons but becoming joint next month hopefully

Show quote history

Well if you plan to submit a JC, then yep…. You’re about to find out!

Vegrocks · 04/03/2023 09:09

Are you in receipt of housing benefit?

Your council tax single person discount (and possibly the extra CT support you revive of low income) will cease

Lougle · 04/03/2023 09:19

Vegrocks · 04/03/2023 06:18

And in your other thread he earns £1700 after tax.

they take the figure pre tax. So no chance

It's post tax earnings that they use.

@Lanzy if one of you is over 25, you'll get
Couple amount 525.72
Child amount 244.58
Rent amount: LHA

So £770.30 + LHA for rent.

If your partner earns £1600, you'll get £344 allowed before deductions and the remaining £1256 will have 55% deducted from the universal credit. So you'll have a deduction of £690.80.

That means you'll get £79.50 + the local housing allowance for your area.

Obviously, this changes if you don't rent, or earnings are different.

Vegrocks · 04/03/2023 09:27

No, it’s not. You insert your earnings before tax deductions

Vegrocks · 04/03/2023 09:29

But then Uc will calculate on basis of after relevant deductions

but op doesn’t know her partners earnings anyway. So is the £1700 a guess?

Lougle · 04/03/2023 09:39

Vegrocks · 04/03/2023 09:27

No, it’s not. You insert your earnings before tax deductions

HMRC report to universal credit. The relevant income is your earnings after deductions.

Joint claim uc
MissMaple82 · 04/03/2023 09:46

Only one way to find out OP. Mumsnet can't tell you what if anything you'll get..

Vegrocks · 04/03/2023 09:54

When you apply you insert you salary pre any deductions

then you give how much pension you will contribute

honestly! Uc will calculate it after deductions BUT what the op and her partner have to do odd is before deductions

Vegrocks · 04/03/2023 09:59

All irrelevant to op though as two income family, one child, £12k savings. No. Chance.

Lougle · 04/03/2023 10:10

They'll lose about £110 per month for the savings. Whether they'll get UC depends on how high their rent is and how high the OP's wage is.

Vegrocks · 04/03/2023 10:22

Lougle · 04/03/2023 10:10

They'll lose about £110 per month for the savings. Whether they'll get UC depends on how high their rent is and how high the OP's wage is.

Well we know one half receives £1700 after tax and the Op also works so not low income for a family of 3

Lougle · 04/03/2023 10:39

If they rent at £1000, the OP could earn about £1600 and they'd still get UC. Only a small amount, but still there. It all depends what their LHA is, what their rent is, and what their earnings are.

Vegrocks · 04/03/2023 10:47

Lougle · 04/03/2023 10:39

If they rent at £1000, the OP could earn about £1600 and they'd still get UC. Only a small amount, but still there. It all depends what their LHA is, what their rent is, and what their earnings are.

I asked if in receipt of housing benefit but no response

GoodChat · 04/03/2023 10:54

You need to find out how much he earns OP or nobody can help.

Original poster
Lanzy · 04/03/2023 11:50

His income varies too because of hours, It will be between 1600-1700 definitely. Both over 25
I know we’ll find out soon when claim gets submitted but it was just to see if there was any point in applying for uc as joint or if my claim just needs to be shut down due to his earnings
and savings together

OP posts:
GoodChat · 04/03/2023 15:41

Lanzy · 04/03/2023 11:50

His income varies too because of hours, It will be between 1600-1700 definitely. Both over 25
I know we’ll find out soon when claim gets submitted but it was just to see if there was any point in applying for uc as joint or if my claim just needs to be shut down due to his earnings
and savings together

Use the entitled to calculator. It's not always accurate but will give you a decent idea.

Do you work or is your UC your income?

New posts on this thread. Refresh page