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

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.

Universal credit and caring

89 replies

SeemsPointless · 10/05/2023 16:21

Hi all,

MN was fantastic in helping me with a query re UC the other day so I'm hoping someone here might know the answer to this.

Situation: I started a UC claim in Feb, I am a F/T carer for DM, but I also work on a self-employed basis. I only earn a modest amount but my income is too high for Carer's Allowance, so I've never claimed it.

The UC man told me yesterday that I if I claim the Carer's element of Universal Credit, my DM will lose some of her money - she gets DLA at the highest rates (she has cerebral palsy - I've been her carer my whole life).

The problem is, the UC man said he didn't know how much money Mum would lose - said it should only be "a bit". He said he had never encountered a situation before where someone was a carer but had earnings that were too high for Carer's Allowance, so he had no idea what the actual figures would be....

I really don't earn very much, and getting the carer's element of UC would really help. But I don't want to take money out of Mum's pocket! Mum has told me to tell UC I am her carer - I have been named on her DLA paperwork for years. But she doesn't know that she'll lose money.

Can anyone tell me, or point to where I can find out, exactly how much money Mum would lose if I start receiving the carer's element of UC please? I can't seem to find anything online!

If I get more than she would lose, I could pay her back and still have a bit extra.

Really grateful for any help.

OP posts:
DamnAndDashIt · 10/05/2023 17:27

TuesandThursNero · 10/05/2023 17:24

Full time and caring full time for one person - absolutely

for 3?

She'll only be claiming carers allowance for one person though, so the DWP won't give a shit that she's actually looking after three. Sadly.

Babyroobs · 10/05/2023 17:27

TuesandThursNero · 10/05/2023 17:24

How is it nasty? Would the DWP be “nasty” if they ask

how can you work full time and say that you care for three people full time single-handedly. One of whom in a different location.

Op isn't fucking claiming money for looking after 3 people though is she so DWP wouldn't ask that !! You can only claim money for caring for one person anyway so it's totally irrelevant what she is telling us on here.

IClaudine · 10/05/2023 17:27

TuesandThursNero · 10/05/2023 17:18

Yes but this is working full time and caring for 3 people full time…. Meaning a total of 105 hours a week of caring.

You can't claim carer's allowance for more than one person.

If you don't realise that there are people out there caring for more than one person and working full time, then maybe don't judge. My BiL was at one point working full time as well as caring for his brother and his dad.

TuesandThursNero · 10/05/2023 17:29

It would seem DWP agreed with me

You do not get paid extra if you care for more than one person.

SleepingStandingUp · 10/05/2023 17:29

TuesandThursNero · 10/05/2023 17:24

How is it nasty? Would the DWP be “nasty” if they ask

how can you work full time and say that you care for three people full time single-handedly. One of whom in a different location.

Op said she works self employed, not that she works full time.

To be over the threshold for carers, she might work 12 hours and earn £200.

She has two kids she cares for, if we're going to Carers rules that's 35 hours. They're siblings living in the same house so it won't take 70 hours to provide them with 35 hours of care.

They're in school 30-35 hours a week so even if op went from school to Mom to school, plus a few hours over the weekend she'd be doing more than 35 hours.

12 hours work evenings and weekends. She can care for her kids and work from home whilst they're in bed.

Op I hope you get sorted.

IClaudine · 10/05/2023 17:29

Honestly, this thread shows why unpaid carers are invisible and not valued. People just don't realise what they do to prop up the shattered social care system. Some people have no idea

DamnAndDashIt · 10/05/2023 17:31

TuesandThursNero · 10/05/2023 17:29

It would seem DWP agreed with me

You do not get paid extra if you care for more than one person.

Yes. That's what people have been saying.

I think you're the only person on this thread who assumed otherwise

TuesandThursNero · 10/05/2023 17:31

On the other thread she referred to, she states she works full time

TuesandThursNero · 10/05/2023 17:32

DamnAndDashIt · 10/05/2023 17:31

Yes. That's what people have been saying.

I think you're the only person on this thread who assumed otherwise

So why is the op asking if she can claim for her mother if she has submitted claims for her two children?

No point. Max she will get is for one child, and by the sounds of it - would have been entitled to it for the past 13 years

gamerchick · 10/05/2023 17:33

TuesandThursNero · 10/05/2023 17:22

So works full time on top of that.

so min 140 hours

leaving 20 hours a week for everything else.

if the DWP don’t make enquiries then come on… would you not question the process?

Have you any idea what you're bleeping on about like?Hmm

you realise you can only claim one lot of carers allowance no matter how many people you care for and the OP doesn't claim carers anyway don't you?

TuesandThursNero · 10/05/2023 17:34

The op has submitted claim for two children

and is asking about a third

she will get for one

IClaudine · 10/05/2023 17:34

TuesandThursNero · 10/05/2023 17:31

On the other thread she referred to, she states she works full time

And? She has said on this thread also that she works full time?

ToddlerIs2 · 10/05/2023 17:34

TuesandThursNero · 10/05/2023 17:09

If the op is claiming carers element for caring for 2 children full time
and working full time

I think this will intrigue the DWP if the op then submits a claim stating she cares for a min of 35 hours of her mother

My friend works full time, school hours.
So from say 4pm-8am (16 hours x 5) plus all weekend she's a carer for her daughter and her son who have complex needs. Her partner has MS so when he's doing less well, she's also his carer. So she's caring for 3 people with care needs, plus another daughter who has no additional needs.

It's only impossible if you live a sheltered life and think carers get enough sleep.

TuesandThursNero · 10/05/2023 17:35

So don’t bother claiming for your mother Op because you’ll get for one child

DamnAndDashIt · 10/05/2023 17:35

She hasn't been granted DLA yet though-presumably she is looking to claim the one she knows she is already entitled to in the mean time?

TuesandThursNero · 10/05/2023 17:35

DamnAndDashIt · 10/05/2023 17:35

She hasn't been granted DLA yet though-presumably she is looking to claim the one she knows she is already entitled to in the mean time?

Her 13 year old is in nappies. She will get it

Babyroobs · 10/05/2023 17:35

TuesandThursNero · 10/05/2023 17:34

The op has submitted claim for two children

and is asking about a third

she will get for one

She has submitted DLA claims for 2 children, That needs to be awarded before she can claim carers element for them. She says she is not currently claiming carers element. DLA claims can take up to 16 weeks to be processed.

DamnAndDashIt · 10/05/2023 17:37

TuesandThursNero · 10/05/2023 17:35

Her 13 year old is in nappies. She will get it

I'm sure she will.

In the meantime, she can receive what she already can claim to help in a difficult situation, why is that a bad thing?

SleepingStandingUp · 10/05/2023 17:37

TuesandThursNero · 10/05/2023 17:34

The op has submitted claim for two children

and is asking about a third

she will get for one

In ref to making a claim, she talks about high rate, so I think she may well DLA not carers. She's entitled to make a claim for both of her children.

YetMoreNewBeginnings · 10/05/2023 17:40

TuesandThursNero · 10/05/2023 17:31

On the other thread she referred to, she states she works full time

Do you realise that working full time and caring for more than one person isn’t unique to the OP?

Given that carers as valued as being worth less than £70 a week many don’t have any choice but to juggle working and caring commitments.

backawayfatty1 · 10/05/2023 17:43

Sorry to see how many people are questioning how much you do! Who do they think looks after disabled people - the council 🙄

In sure on UC the carers element doesn't deduct anything from your mum's benefit. I always thought it was only carers allowance. That being said I'm not 100% so would recommend looking at universal credit essentials - they have a website/forum to post questions. Charity run and work very closely with UC. They will be able to answer for sure. They are very good at referencing legislation if your work coach is rubbish too!

Good luck

backawayfatty1 · 10/05/2023 17:44

Also before I forget, I read the other day in sure you can claim carers element for your mum and your partner could for one of the children of eligible 🙂

Obels · 10/05/2023 17:48

I think it's really bad that you have to care for someone for 35 hours a week to claim Carer's Allowance. The amount you get on CA is appalling and then you you're expected to hardly work at all to receive it essentially.

Babyroobs · 10/05/2023 17:51

backawayfatty1 · 10/05/2023 17:43

Sorry to see how many people are questioning how much you do! Who do they think looks after disabled people - the council 🙄

In sure on UC the carers element doesn't deduct anything from your mum's benefit. I always thought it was only carers allowance. That being said I'm not 100% so would recommend looking at universal credit essentials - they have a website/forum to post questions. Charity run and work very closely with UC. They will be able to answer for sure. They are very good at referencing legislation if your work coach is rubbish too!

Good luck

Claiming carers element of Uc would stop her mum's sdp if she gets it.

SeemsPointless · 10/05/2023 18:40

Sorry, I'm back now.

With ironic timing, Mum just rang as she needed me to sort out a problem with her electricity.

Only quickly skimmed these comments, but I'll try and cover the scepticism.

I have twins, born prematurely, both autistic and with a range of other associated disabilities. DS special school, DD in mainstream with support but no longer coping there.

DD has a significant language disorder in addition to autism and ADHD and often can't speak/respond. She isn't able to communicate with anyone she doesn't know, and even those that she does know, she doesn't always understand what's being said.

DS has quite severe autism, dyspraxia and a global delay. He is still in nappies.

Both aged 13 years old. As examples, neither are capable of crossing a road by themselves or walking into a shop on their own. Neither can wash themselves or shower alone. DS needs physical assistance, DD just gets overwhelmed and forgets what to do. DS holds my hand or sits on my lap wherever we are. Luckily I'm quite tall myself so there's still room!!

Last week we had family over from Italy, and met in a coffee bar. DS crawled under the table and refused to come out.

Just before I was pregnant, my dad was diagnosed with Huntington's Disease and rapidly went downhill. He lived in warden controlled housing but I used to pick him up every morning, cook all his meals, then take him home to sleep every night. Dad has now sadly passed away. Just before he died he was about to move into a nursing home as he was no longer safe to be left at night. He was also about to start PEG feeding as he lost his swallow reflex. His death was unexpected but perhaps saved him from the worst of his illness.

My DM has cerebral palsy and is in a wheelchair a lot of the time. I have been classed as her carer all my life. She divorced my dad when I was 8 and I am the eldest child. Mum is in really bad shape now. She needs help with intimate care and also gets confused. She's extremely vulnerable to scammers. My stepdad (80) is there too. He's had a heart attack and very unwell himself. Mum fell when I wasn't there a couple of months ago and he couldn't help her up. This is why I'm building an annexe so I'm right there.

Yes, I care for 3 people. But as per the above, I used to care for 4 people - and my dad's needs were possibly the hardest of them all. So life is easier now.

I was a senior manager in a FTSE 100 firm and on a fab salary. I was planning on returning to work. I couldn't return as dad needed to be cared for, plus my twin babies were very tiny, and had lots of medical needs. So I set up my own business working as an editor and freelance writer. I still do this now, 13 years on.

Although I care for three people, it's possible to look after more than 1 person at a time. So you don't need to add 35+35+35. My son's needs are high but he adores his nanna, and DM loves spending time with him.

DP is off sick, he's always worked FT until now. He's waiting to see a neurologist and ENT. No, it's not safe for him to travel alone because he occasionally passes out - especially if exposed to bright lights or excessive movement (such as moving in a car/bus etc). He's been admitted to hospital in the past for 2 weeks with this condition, but it has rapidly deteriorated. I don't know what the future holds for him right now - he's struggling with his mental health as he's now been made redundant, and doesn't know if he'll ever be able to return to the job he loved.

I have lost many, many, many lucrative contracts over the years because I couldn't be as available as clients wanted due to my caring responsibilities. Clients want you to be available to talk to 9-5pm, and I'm not. I frequently work at night, and at the weekends. DS needs to be checked throughout the night as he's not safe. If he hurt himself, or was sick, or his nappy leaked over his bed, he would just stay there. He wouldn't seek my help as he gets overwhelmed. If he hurts himself, he hides and won't let anyone see. A few years ago he had a broken elbow (happened at school) for three days and no one knew.

I have a mortgage to pay. I HAVE to work. I can't manage on the £70-ish quid from Carer's Allowance. I would absolutely fucking LOVE just to go to bed at a normal time, sleep and get up in the morning but I can't. I have to work. And night is really the main time I get to do that - unless DM needs me or my son is having a bad night. Oh, also, DD struggles with her sleep (ADHD) so she's often awake until 2 or 3am and frequently needs me too.

No one said this was fun, or easy. I didn't expect to still be providing this level of care to my children as teenagers, yet here we are. They're funny, kind, and wonderful company. Their needs are just a small part of who they are.

Yes, I should have claimed DLA years ago. I have tried to get started so many times but couldn't bring myself to do it. I hate having to describe their disabilities. Also, I'm autistic/ADHD myself and for some reason, I have just had this mental block over doing the sodding DLA forms for them. As we're now in a crippling financial position, it gave me the kick up the arse I needed.

Anyone from the DWP is very, very welcome to come and shadow me for a week and they'll find that I've been scrupulously honest about everything. I have nothing to hide. Luckily, so far we haven't had any suggestion that they don't believe me.

I did wonder whether I should just wait to put in for the Carer's Premium until the DC's DLA gets granted but honestly, I'm in such dire financial straits with DP off work for 6 months+ I could do with the extra little bit of money now. I am well aware that I'm an idiot for not getting off my arse and doing it before. But in my defence, I am also an exhausted idiot.

Hopefully this long account provides enough information to assuage any doubt. But if you don't believe me, that's your prerogative. I only wanted some advice re the financial element and I'm very grateful for the advice (and support) here today. Thank you so much.

OP posts:
Swipe left for the next trending thread