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Have lost ALL of my Universal Credit Award now partner moved in

231 replies

Fedupofthestruggle · 11/03/2025 07:56

I have lived on my own with my disabled son for 18 months and had universal credit awarded including disabled element and carer element. I am his sole carer.

My partner has now moved in and we told universal credit. They of course needed to know his salary and any assets. He owns a flat (tiny, so we couldn't move in as there's no space for a family and disabled child). Universal credit have said since it's worth over 16k we no longer are able to receive any money.

However my question is shouldn't I still receive carers and disabled element since I can't work to look after my son? I will go back to universal credit to confirm if this is correct but wanted advice from anyone in similar position. Thanks very much.

OP posts:
AngelicKaty · 11/03/2025 20:20

Manthide · 11/03/2025 20:12

I am divorced and have informed the dwp but they still have us as a joint claim on uc as we still live together. I work part-time but ex dh refuses to look for a job. I am coming into some money soon so will come off uc but I don't want to fund exdh. We still have one dc at school.

Of course you're still a joint claim - he's still living with you. Why hasn't one of you moved out?

EternalSunshine19 · 11/03/2025 20:32

Fedupofthestruggle · 11/03/2025 08:11

Thank you for all your responses. Yes my partner will be taking over the rent here.

But I'm still worse off. I think I will have to get an evening job while my son sleeps. It will be tough but don't see another solution.

I miss working but had to give it up when my son came along, life is unfair unfortunately. It will be hard to make ends meet now. Partner also said last night he will look for a better paid job and has been very supportive.

The other solution would be for your boyfriend to move back out and into his 1 bed flat that he owns or rent it out and use that income to pay for the bills, food and rent.
its no good him just paying rent when you probably already had housing benefit. He can't seriously expect you to get a night job to pay for food, gas, electric, council tax, water, toiletries while he just gives you rent and his property stays vacant. How are you going to look after your son if you've been up all night working? When are you going to sleep?

Manthide · 11/03/2025 20:46

AngelicKaty · 11/03/2025 20:20

Of course you're still a joint claim - he's still living with you. Why hasn't one of you moved out?

We own the house mortgage free and I don't think I should move out as it's our dc's home. He refuses to move out. The house is in bad repair and wouldn't sell for enough to afford 2 homes.

scotstars · 11/03/2025 21:42

AngelicKaty · 11/03/2025 20:16

God, another one. 🙄 I KNOW, which is why I posted this over four hours ago:

AngelicKaty - Today 15:55
No, that's wrong. UC eligibility is based on household income so, obviously, when OP's DP moved in her household income increased by everything he brought with him (i.e. capital, savings and earned income). With co-habiting couples, a UC claim is always a joint claim. For means-tested benefits, the household can have capital and/or savings up to £6k without it affecting the UC claim. Between £6k and £16k, the payment is reduced by £4.35 for every £250 between £6k and £16k. There is no eligibility for means-tested benefits when capital and savings exceed £16k so, obviously, with OP's DP owning a property, this limit is exceeded. Even if he sells his flat, he will have its value in savings, so the household will still exceed the £16k limit. As a couple, their household savings will need to drop below £16k before they can make a new joint claim for UC.

I posted about how UC works at 10.30am....theres really no need for the attitude don't know what your issue nowhere did I say you were wrong I was adding to your post for advice for the op

scotstars · 11/03/2025 21:44

AngelicKaty · 11/03/2025 20:20

Of course you're still a joint claim - he's still living with you. Why hasn't one of you moved out?

This is actually incorrect - you can still live together as long as you can prove you have separated and are running your finances separately, don't eat any meals together, don't do his laundry etc

FluffyDashhound · 11/03/2025 22:04

Manthide · 11/03/2025 20:12

I am divorced and have informed the dwp but they still have us as a joint claim on uc as we still live together. I work part-time but ex dh refuses to look for a job. I am coming into some money soon so will come off uc but I don't want to fund exdh. We still have one dc at school.

If your separated he's a lodger if he owns home that's different. If he sleeping in same bed again different. But this man has moved into h3r home.they aren't married and h3 isn't child's dad. So he's lodging unless he paying half of bills etc and they do indeed live as man and wife

Bromptotoo · 12/03/2025 08:34

Chewbecca · 11/03/2025 18:52

It doesn't matter for a UC claim.

Living together as a married couple is exactly what matters for UC.

DWP have many pages of guidance on the subject.

Chewbecca · 12/03/2025 09:28

Bromptotoo · 12/03/2025 08:34

Living together as a married couple is exactly what matters for UC.

DWP have many pages of guidance on the subject.

I totally agree. I was objecting to the suggestion that if he was living there but not contributing like a married couple she could still claim. However I appreciate that didn't come across correctly at all!

Yourcatisnotsorry · 12/03/2025 20:40

If your son is six presumably he is in a school? Why can’t you work during school hours/freelance/bank etc? Yes, not all jobs suit school hours and school holidays but many do.

C36M · 12/03/2025 20:40

Fedupofthestruggle · 11/03/2025 07:56

I have lived on my own with my disabled son for 18 months and had universal credit awarded including disabled element and carer element. I am his sole carer.

My partner has now moved in and we told universal credit. They of course needed to know his salary and any assets. He owns a flat (tiny, so we couldn't move in as there's no space for a family and disabled child). Universal credit have said since it's worth over 16k we no longer are able to receive any money.

However my question is shouldn't I still receive carers and disabled element since I can't work to look after my son? I will go back to universal credit to confirm if this is correct but wanted advice from anyone in similar position. Thanks very much.

No element is protected against deductions for earnings or savings/assets. As you’ll be living together it is calculated using joint income and savings/assets. So it is right that your claim has ended. You can claim carers allowance, DLA and child benefit though

pollymere · 12/03/2025 20:44

You are entitled to Carer's allowance as long as you don't earn about £150 a week! It used to be sixteen hours.

It's not enough to live on, even with DLA. But it's about £75 a week extra. Otherwise it sounds like you have all the benefits you're allowed currently.

AInightingale · 12/03/2025 20:49

I read today that the Carer's Allowance earnings limit is increasing to £190 next month @Pollymere, which gives parents in OP's position an opportunity to earn a bit more, but with her being precluded from all UC because of partner's earnings, house etc, they would really need his full-time income as the main wage.

Lyraloo · 12/03/2025 22:33

KitsyWitsy · 11/03/2025 08:57

You shouldn’t have moved him in. You should have had all this figured out beforehand. You’ve left yourself dependent on a man now when you have a disabled child to care for. I just can’t fathom why you would do that?

Move him back out again and be more diligent in future.

Such a sad reply, all about money. What about quality of life in a loving relationship and a father figure for her son. It beggars belief that people would give that up for a bit of extra cash at the taxpayers expense!

ffsfindmeausername · 12/03/2025 23:17

.

Mumof3PrettyBoys · 13/03/2025 08:22

Missiopi · 11/03/2025 08:06

UC practically forces people to stay single or live apart :(

I agree. I have seen many situations like op's and it does seem that way. On the plus here, Op's partner is willing to pay the rent and is supporting her. Sad she can only get DLA and Carers now though. What UC expect from normal families, the govt should also apply to MPs and the useless r family but nobody wants to challenge them - always using finance to cripple an already crippled economy because of money the govt spent sent on wars and their own debts to other countries etc.. UC was designed to make people worse off. Its doing what it was intended to do - cause division, hardship and allow the govt to further tax people who have already been taxed and to keep families seperated who want to be together but the financial hit means they can't be. So sad.

DoubleMM · 13/03/2025 12:43

I know it is the crazy law but that needs to be changed in cases where someone is unable to work because of full time caring responsibilities for someone. Why should they be expected to rely financially on anyone that they enter a relationship with someone who is not related to or responsible for the disabled person n any way? She cant work because of caring responsibilities. If she was not caring for her son, it would cost the state a LOT more than UC and housing allowance.

usernamealreadytaken · 13/03/2025 13:31

Missiopi · 11/03/2025 08:06

UC practically forces people to stay single or live apart :(

Or to behave like an actual family, and live together and support each other 🙄

usernamealreadytaken · 13/03/2025 13:36

KitsyWitsy · 11/03/2025 08:57

You shouldn’t have moved him in. You should have had all this figured out beforehand. You’ve left yourself dependent on a man now when you have a disabled child to care for. I just can’t fathom why you would do that?

Move him back out again and be more diligent in future.

@KitsyWitsy This is partly why the country is broke - OP doesn't need to claim benefits because her family unit can afford to support themselves. I think benefits should be unavailable to anyone who makes themselves willfully and unnecessarily dependent on them. FFS.

nahthatsnotforme · 13/03/2025 14:19

usernamealreadytaken · 13/03/2025 13:36

@KitsyWitsy This is partly why the country is broke - OP doesn't need to claim benefits because her family unit can afford to support themselves. I think benefits should be unavailable to anyone who makes themselves willfully and unnecessarily dependent on them. FFS.

Quite right.

KitsyWitsy · 13/03/2025 14:30

usernamealreadytaken · 13/03/2025 13:36

@KitsyWitsy This is partly why the country is broke - OP doesn't need to claim benefits because her family unit can afford to support themselves. I think benefits should be unavailable to anyone who makes themselves willfully and unnecessarily dependent on them. FFS.

God what a simplistic view. Think about the situation a bit more will you? I can tell you’ve never born the responsibility of a disabled child. Putting herself at some man’s mercy is insanity! He’s not the child’s father. She needs to put her security over everything.

Iwanttoliveonamountain · 13/03/2025 14:57

DoubleMM · 13/03/2025 12:43

I know it is the crazy law but that needs to be changed in cases where someone is unable to work because of full time caring responsibilities for someone. Why should they be expected to rely financially on anyone that they enter a relationship with someone who is not related to or responsible for the disabled person n any way? She cant work because of caring responsibilities. If she was not caring for her son, it would cost the state a LOT more than UC and housing allowance.

She hasn’t got 24 seven care responsibilities I worked at a school for such children and most of the parents worked and managed it

usernamealreadytaken · 13/03/2025 16:14

KitsyWitsy · 13/03/2025 14:30

God what a simplistic view. Think about the situation a bit more will you? I can tell you’ve never born the responsibility of a disabled child. Putting herself at some man’s mercy is insanity! He’s not the child’s father. She needs to put her security over everything.

My child was born with a genetic abnormality, but thanks for the lecture.

She's not "at the mercy of some man", she's building a life and a family. God, your outlook is grim.

DazzlingCuckoos · 13/03/2025 17:36

Iwanttoliveonamountain · 13/03/2025 14:57

She hasn’t got 24 seven care responsibilities I worked at a school for such children and most of the parents worked and managed it

My mum couldn't work because of her caring responsibilities, even with a school place for my sibling.

Why? Because there was no holiday care available and, short of working in a school, there were no jobs that were term time only. Even that would be difficult though as it would mean me and my sibling were at different schools with different term dates, etc, so chances would be that there would be some times that she'd be expected in work, with no-one to look after my sibling. It was easy for me to be looked after by a grandparent, but no-one other than my DPs was able to look after my sibling.

My DF had a job that meant he worked irregular evenings and weekends, so my DM couldn't take a job working in the supermarket or anything either.

As soon as my sibling went into full time residential care, my DM went back to work, but up until that point it was just too difficult. She would have loved to have worked. She got so, so bored stuck at home all the time, particularly because money was so tight because she couldn't work. Meanwhile my Dad was working 50-60 hour weeks to make ends meet.

It really isn't as simple as you make out.

Iwanttoliveonamountain · 13/03/2025 17:41

I didn’t say it was simple for everyone. I was stating my experience.

FriendsDrinkBook · 13/03/2025 18:55

@Iwanttoliveonamountain it's not your experience though is it? Supporting send kids and actually having them are two completely different things. Your observations mean nothing because you don't truly know what 24/7 looks like.