Universal credit

[Lostintheprocess]

Morning all

I have signed up as I need to ask a serious question in relation to universal credit

I am thinking of ending things after a hard 11years with my partner but need to know what I would be entitled to before I indeed make the cut away. It's been a hard few years and I feel we have run our course together

I have a 6year old dd
She's in childcare during the week for approx 6hours afterschool
My salary is 21585per annum gross with a net take home of 1505 per month and I work 30hours a week

Does anyone know if I would be entitled to anything on universal credit? I have used the calculators but wondering if anyone has a similar sal and knows how much roughly I'd be entitled to.

I have a mortgaged property and no savings

Please can someone help as I'm in dire need of some direction

Many thanks

You can use the entitled website. www.entitledto.co.uk/. I would think you wouldn't as you have a mortgage (UC covers rent) and little childcare and a not so lowish salary. Just fill out your details and you can get an estimate.

Hey

How accurate is entitled to?

I think you’d probably be entitled to something. I’d use entitled 2 or one of the other websites. I claim for 2 dc, earn a little more and live in a mortgaged house and I get a couple of hundred a month. I also get a discount on council tax and as I live in Scotland, Scottish child payment, another couple of hundred a month. You get extra odd bits of help too. Warm home discount plus cost of living payments it all adds up.

Pretty accurate when I’ve used it previously.

Hi OP, go on Entitled to and use their calculator, it's pretty accurate and can also signpost you to other help you may be entitled too.

Hello OP. You probably will get something on UC. Your salary is similar to mine as a single parent of one DC so well worth checking. Assuming you did have a successful application you get a bit per month plus 85% of your childcare covered. Depends on a few other circumstances like savings etc.. but don’t be put off applying because it isn’t likely to be a huge amount. Even a small top up from UC helps!

Universal credit essentials is a charity which has a forum option too. It's the best way to get an accurate estimate as it's a manual calculation.

UC don't pay mortgages but there is a separate benefit you could apply for if eligible for UC. It's called an SMI loan. It is a loan not a grant but helps pay for mortgage interest & is repaid upon sale of house

They don't pay mortgage but you can earn more before they start deducting it. This is your work allowance. Those with no rent have a larger work allowance. I suspect you will be entitled to something.

Here's the manual calculation:

Standard allowance £393.45
Child element (child born after April 2017) £287.92
Subtotal £681.37
Plus childcare element: 85% of your childcare costs (assuming you use an Ofsted registered provider)

Net earnings £1505
Minus work allowance (£673) = £832
55% of £832 = £457.60

Actual UC: £681.37 - £457.60 = £223.77 plus childcare element (85% of childcare costs)

You can see how it's all worked out at https://www.citizensadvice.org.uk/benefits/universal-credit/on-universal-credit/check-how-much-universal-credit-youll-get/

And don't forget if your DD lives mostly with you, your STBX will need to pay child maintenance.

Is the house owned jointly or in your name only?

My name only

You're welcome

Nice work, @AnotherEmma ! I did a rough calculation in my head and came up with £200+.

If you do get maintenance from your child's father OP, it will be disregarded so won't affect the amount you get.