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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:
Badbadbunny · 11/08/2026 10:54

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.

Inheritances are also a matter of public record via the probate system. I'd hope/expect that government bodies like DWP/HMRC regularly trawl/scrape the probate records to get details of the beneficiaries and then check their tax/benefit records accordingly in due course.

Wadsworthy · 11/08/2026 10:55

Temporal · 11/08/2026 09:49

I know this might seem fantastically 'out there', but why don't you look for a job?

LOL.

I wish we still had the laugh reaction!

7planeteclipse · 11/08/2026 10:55

Savings

NotAtMyAge · 11/08/2026 10:57

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

Unless the house is a total wreck, modernising it can wait or be done in stages. We bought a very decrepit house many years ago and it was 10 years before we could get everything done, but we still happily lived there in the meantime. It's important to distinguish between what must be done and what would just be nice to do.

Atschjvkbgj · 11/08/2026 10:58

You can only claim if you’ve spent every last penny on cigs and booze. You must also have a wide screen TV and the latest iPhone (angrily shakes copy of Daily Mail)

7planeteclipse · 11/08/2026 10:59

If her DM claims attendance allowance
This is not means tested

The OP can claim carers allowance
This has a cap, that she can only earn I believe £196 per week
However her National Insurance contributions will be paid

Op should also be able to claim universal credit if savings are under 16k

Ponoka7 · 11/08/2026 11:00

Bunnyhunni6 · 11/08/2026 09:38

But how will they know I inherited??

The DWP has access to banks accounts now and for the purposes of preventing money laundering, they can gather all the information.

You are doing the right thing by housing yourself. So many posters don't see the bigger picture.
You have to show what the money was spent on was essential. Essential spending includes setting up home, you can buy a car. If your spending is essential, you can claim straight away. The only wait is when you've sold a house and then want to claim housing benefit. Without special circumstances, that's five years.

apeaceful2026 · 11/08/2026 11:00

LakieLady · 11/08/2026 10:01

It's a shame you didn't ask this question before buying the house, OP. If you'd spent £60k more on a house that didn't need work done, you could claim UC straight away.

It's a notoriously difficult area to give advice on, because there are no hard and fast rules and a lot depends on the individual decision maker.

Having a house rewired because the electrics are dangerously old would be fine imo. If the existing kitchen is functional, but just old, the DWP may regard that as intentional deprivation of capital. And I wouldn't like to give a view about money spent redecorating and making good following the rewiring.

I dealt with a case a few years ago where a client's UC had been stopped because they suspected intentional deprivation of capital because of spending on home improvements.

Luckily, the client still had a copy of the estate agent's particulars that showed that the house was pretty much a wreck when it went on the market. The DWP were happy to disregard the spending on installing a bathroom, rewiring, central heating, new windows and doors, refitting the kitchen and the subsequent redecoration required. The client had kept all the quotes for each of the jobs, so we were able to show that the amount spent was "reasonable", ie not the highest estimate, and all the receipts that proved that that was what the money had been spent on. Where a property has a functional bathroom, kitchen etc, I suspect that the outcome might be different.

But 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. I guess it would have been different if it had been a couple of weeks in the Maldives. In another case, they disregarded £10k spent on a second-hand car.

Once the money you have is below £16k, you will probably still have some UC entitlement. To check, go on to entitledto.co.uk and put in all your circumstances and savings of £15,999. That will show what you would get once you're below the £16k cut off point, and the amount of UC will increase as your savings drop further (as long as you remember to tell them and provide evidence!).

Hope this helps!

Most sensible answer.

Mistymagic77 · 11/08/2026 11:02

I imagine whoever left you the money was hoping it would change your life, come off benefits, etc. Not that you would look for ways to spend (their life savings) asap so that you can claim benefits again.

YourJadeTraybake · 11/08/2026 11:03

Can see you want to be closer to your parents - but at the expense of 2 of your children not having a school place and you not being able to get a job??

If you haven't exchanged yet it might be worth looking at an area that has school places and jobs available so you are able to support yourself and your kids - if you go to the nearest larger town/city to your parents you could commute to them when needed but as an adult/parent does it make sense to move and make 2 children school less and yourself unable to financially support yourself and them?

HelpMeGetThrough · 11/08/2026 11:04

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.

Well get another one.

RanyaJerodung · 11/08/2026 11:05

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.

Couldn't she come and live near you? You're having to find school spaces for 3 children. Easier if she moves?

Somersetbaker · 11/08/2026 11:05

One of the obvious thing the OP will be asked when she attempts to claim, is if she hasn't been getting benefits and don't have a job where has the money she's been living on come from.

sweatybettytoday · 11/08/2026 11:05

Not inheritance but I got £120k medical insurance payout. (On UC due to being full time carer for severely disabled son then got cancer) I paid off the mortgage (classed as debt), got a wood burner installed (for heating) and a new bathroom as the bath wasn’t working). All accepted by UC. I kept receipts of everything we had done.

yes I own a house whilst on uc but if I didn’t, the tax payer would be paying my housing costs too which they’re not.

previous to being on benefits I was a high tax payer for most of my working life. I aim to get back to work once my health improves. 😊

RanyaJerodung · 11/08/2026 11:06

YourJadeTraybake · 11/08/2026 11:03

Can see you want to be closer to your parents - but at the expense of 2 of your children not having a school place and you not being able to get a job??

If you haven't exchanged yet it might be worth looking at an area that has school places and jobs available so you are able to support yourself and your kids - if you go to the nearest larger town/city to your parents you could commute to them when needed but as an adult/parent does it make sense to move and make 2 children school less and yourself unable to financially support yourself and them?

Yes, I think that's the best advice.
Your inheritance has given you a lot of opportunities, and opened things up for you. Think about the long term.

7planeteclipse · 11/08/2026 11:06

BTW
I have lived in a property with a 1950s kitchen

It looked unfashionable

But it was functional

Goingmadddd · 11/08/2026 11:07

Lol. We both work full time and we didn’t have a kitchen for 4 years … because we couldn’t afford one.

Get an air fryer and an ikea hob you will be fine.

SAVE the 60k. It’s depressing that you think the thousands you will get from the gov is worth more than the 10s of thousands you have there. It’s insane. That kind of lump sum could set you up for life. But yet you revert.

Lifeomars · 11/08/2026 11:07

Type "deprivation of capital" into your search bar, much better than posting for random advice on here. If this is genuine of course...

gamerchick · 11/08/2026 11:09

My ex has this. He spent it very fast and DWP wanted every receipt and explanation where the money went. They calculated how long the money should have lasted and he wasn't allowed a fresh claim for 4 years or something.
I'd hazard a guess 60k should last you a while.

PeachesSansCream · 11/08/2026 11:09

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Minasama · 11/08/2026 11:10

Get a job, don’t claim benefits.

pricey1 · 11/08/2026 11:12

Bunnyhunni6 · 11/08/2026 09:38

But how will they know I inherited??

Of course they will know, large sums of money are looked in to by HMRC when benefits are claimed. I inherited a large amount of money and I wouldn’t dream of spending it all and then starting to claim. As people are saying if you choose to go through this money quickly then maybe think about getting a job.

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