Help protect children from gaming harms.

Take our survey

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.

How long after spending inheritance can I claim benefits again?

420 replies

Bunnyhunni6 · 11/08/2026 08:48

Hello, after buying my new house I’m left with around £60k to spend on what is needed work wise… I had to come off benefits when I inherited. But after my money has been spent I will need to claim again.. how long do I need to wait to be able to claim? Thank you

OP posts:
sesquipedalian · 11/08/2026 10:08

“the DWP aren't bastards in this respect, I had another case where they were happy to consider a couple of grand spent on a holiday in Spain reasonable”

So you think it’s reasonable for the taxpayer to subsidise people to the tune of a couple of thousand so they can go on holiday? No wonder our balance of payments deficit is so huge.

Doseofreality · 11/08/2026 10:09

Don’t worry about that. Just post your bank details on here and all the tax payers will work out what we owe you and do a mass transfer.

oviraptor21 · 11/08/2026 10:10

Happyjoe · 11/08/2026 09:39

Only if still married.

Not true. You can will money away from a spouse and plenty of people have done.

Ohthatsabitshit · 11/08/2026 10:12

You won’t need UC. You move, get the kids into school, then look for a job. Once working you pay for your cosmetic upgrades.

Happyjoe · 11/08/2026 10:12

oviraptor21 · 11/08/2026 10:10

Not true. You can will money away from a spouse and plenty of people have done.

That was already covered by someone else if had read the thread. I just gave another reason why it may not go direct to spouse.

Wadsworthy · 11/08/2026 10:12

Bunnyhunni6 · 11/08/2026 08:56

I’m moving to a completely new area to be nearer my mother after my father dying. So unfortunately that means leaving my job behind. Works will be just to modernise it.

So, you’re making a personal choice about where you live, but you expect the rest of us to pay you for that?

I just can’t get my head around the lack of self-respect that your thinking indicates. I’d be ashamed to be taking benefits in your situation.

You don’t move for a personal reason without a job or school for your DC and expect those of us who are working to pay for you.

LuckyManifestations · 11/08/2026 10:16

Tedsnan1 · 11/08/2026 09:57

Really? I'm sure they're not so trusting! I had to provide 6 months worth of bank statements just transferring from esa to uc.

I moved from ESA to UC last year and wasn't asked to provide bank statements. Thats why I said I didn't think everyone had to.

Ahhhwhattodo · 11/08/2026 10:17

God I really hope they discover ‘deprivation of assets’ here. Heaven forbid you live in a house that’s not perfectly modern. I assume you also have no mortgage

Im sick to death of working full time and paying taxes to see the abuse of the system. You’re not ‘in need’ - just completely and utterly work shy. Get a job.

SirChenjins · 11/08/2026 10:18

Is anyone honestly really surprised by this? It's exactly how many people view benefits - as an entitlement by which to pay for their lifestyle choices. Surely you must know that?

Whosthetabbynow · 11/08/2026 10:19

Inheriting money. Buying a house. Claiming benefits. The world has turned on its axis

Slightyamusedandsilly · 11/08/2026 10:20

They will know you inherited because you have to be honest with them. And if you're not, you will risk either huge fines or even jail for benefit fraud.

Pinkchickenwine · 11/08/2026 10:21

ShanghaiDiva · 11/08/2026 08:51

The day after you’ve spent it all.

Surely it should be the day before? Poor OP!

Slightyamusedandsilly · 11/08/2026 10:23

LuckyManifestations · 11/08/2026 10:16

I moved from ESA to UC last year and wasn't asked to provide bank statements. Thats why I said I didn't think everyone had to.

If you are suspected of benefit fraud or error, the DWP can request targeted bank statements and financial records. They don't just take our word at face value.

oviraptor21 · 11/08/2026 10:23

sesquipedalian · 11/08/2026 10:08

“the DWP aren't bastards in this respect, I had another case where they were happy to consider a couple of grand spent on a holiday in Spain reasonable”

So you think it’s reasonable for the taxpayer to subsidise people to the tune of a couple of thousand so they can go on holiday? No wonder our balance of payments deficit is so huge.

I had a similar case where a client had spent some of a fairly small inheritance on two holidays - total cost was about £3K if I remember correctly.
DWP decision maker decided it was not deprivation of capital because the client did not know that deprivation of capital was a thing so didn't meet the "primary purpose" of reducing capital to maintain eligibility for benefits.

RowsOfFlowers · 11/08/2026 10:23

Gotta be ragebait surely……………….

menopausequeen · 11/08/2026 10:24

How about you get a job?

Everanewbie · 11/08/2026 10:24

Read this after being up all night dealing a 3 year olds nightmares and having to do a teary nursery (the day costs £100) run prior to an hour and a half commute and 9 hour day. I hope you get nothing from the government and have to go out to work like I do. Not a penny from the government or parents/inheritance and half of my work is for dear old HMRC. Makes you sick.

Happyjoe · 11/08/2026 10:24

Wadsworthy · 11/08/2026 10:12

So, you’re making a personal choice about where you live, but you expect the rest of us to pay you for that?

I just can’t get my head around the lack of self-respect that your thinking indicates. I’d be ashamed to be taking benefits in your situation.

You don’t move for a personal reason without a job or school for your DC and expect those of us who are working to pay for you.

She had to come off benefits when inherited. So she's already used to tax payers picking up the tab...

tamade · 11/08/2026 10:24

user1471538275 · 11/08/2026 09:17

Also, how have you inherited when your mother is alive? Money goes directly to spouse, not child.

It's not essential for you to move to be near your mother, it's just a want.

You have children, they are your main responsibility - don't disrupt them and jeopardise their financial safety.

I suppose that it was in the father's will, but having to move to be near mother suggests the parents were divorced anyway.

Agree with your other points

menopausequeen · 11/08/2026 10:25

Ahhhwhattodo · 11/08/2026 10:17

God I really hope they discover ‘deprivation of assets’ here. Heaven forbid you live in a house that’s not perfectly modern. I assume you also have no mortgage

Im sick to death of working full time and paying taxes to see the abuse of the system. You’re not ‘in need’ - just completely and utterly work shy. Get a job.

Absolutely agree. Spend the inheritance on your living costs if you can’t or won’t get a job. Why should I work so you can buy a house and do it up???

TourdeCrema · 11/08/2026 10:28

Keep every single receipt, every single one for all the work and don’t pay for any single thing with cash

its not a matter of time but what you e done with the money and whether you can prove what you e spent.

id put together a spread sheet of the work and dates

then keep details of your living expenses and receipts

also keep any receipts for furniture

you will possibly be assessed and whether you get benefits or not will be down to another human

spend sensibly and keep a good track of your living expenses

it’s not a given you will get benefits at £16000, likely and easier if you can show you’ve not purposely reduced your savings to claim benefits

and what you think is reasonable might be different from benefits officer

DaffodilValley · 11/08/2026 10:28

Bunnyhunni6 · 11/08/2026 09:07

The electrics need to be updated. The kitchen is the original kitchen around 30 years old.

My kitchen is 50 years old. I can’t reach the units because they are too high for me. Nevertheless, nobody else is going to pay for me to update it.

I have never had anywhere near £60k in my life and never will.

SusanJJ · 11/08/2026 10:29

Awwlookatmybabyspider · 11/08/2026 10:08

If she’s not claiming (which she isn’t at the moment) why does she have to tell them. I’m not being goady just genuinely don’t understand

You're right - I was thinking about having to declare an inheritance or any other income change while you are currently claiming, which of course isn't the case here. Perhaps this is what OP is really asking - how long before a windfall no longer needs to be declared, before you can start claiming UC again.
This is a useful article on the subject. It says that usually bank record checks will be done for the past 3-6 months when you start claiming, but may go back further in some circumstances. Also has some advice about what is OK to use an inheritance for without counting as deprivation of assets.

benefitcheck.co.uk/guides/can-i-spend-inheritance-before-claiming-universal-credit

ShanghaiDiva · 11/08/2026 10:30

Slightyamusedandsilly · 11/08/2026 10:20

They will know you inherited because you have to be honest with them. And if you're not, you will risk either huge fines or even jail for benefit fraud.

surely they already know as op said she came off benefits due to the inheritance.

Slightyamusedandsilly · 11/08/2026 10:31

ShanghaiDiva · 11/08/2026 10:30

surely they already know as op said she came off benefits due to the inheritance.

True

Swipe left for the next trending thread