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:
Eastie77Returns · 11/08/2026 11:46

user1471538275 · 11/08/2026 09:24

In terms of inheritance, can someone leave money to a child when it then leaves their spouse in financial trouble, reliant on benefits?

Surely that would count as deprivation of assets to the spouse?

Not saying it is in this situation, just wondering.

Otherwise it's worrying that OP has made sure they are going to spend right up to the limit of their inheritance as fast as possible.

You could end up with both OP and her mother dependent on the state when they both have housing assets and have arranged things so that their money has been spent.

When DM died she left all her assets to her children, not DF (her husband). This included her half of the house. It meant DF could not sell the house and instead had a lifetime tenancy. She had a lifelong fear of dying, DF remarrying and leaving everything to his new wife so she didn’t want him to get the house. As it turned out, he died a year after she did.

We (each of the their children) inherited over £500k each. Dsis, who hasn’t worked in 25 years, is apparently still in receipt of non means tested benefits despite her inheritance and moaned about losing her other benefits.
No words really🙄

RanyaJerodung · 11/08/2026 11:47

ShanghaiDiva · 11/08/2026 11:44

they definitely are and having a new kitchen to boot…🙄

😂

HoppityBun · 11/08/2026 11:48

Mistymagic77 · 11/08/2026 11:20

If you can’t see why this is a problem for people - those with assets/cash claiming benefits - then you absolutely are the problem. You are choosing this instead of using money to get yourself set up in job, etc. Renovations don’t have to be instant and most people save for them from earned income,

There were just under 40,500 illegal immigrants last year. They are not allowed to claim benefits or to work. You, on the other hand, @Bunnyhunni6 are very comfortably off and you expect the rest of us to fund that comfort, and you are rearranging your affairs to ensure that we have to continue to do so. There are people on here who are working very hard and have so much less.

Wadsworthy · 11/08/2026 11:50

I’m not going to have to live off the 60k that has specially been put aside to make the house my own.

Gosh, I'd love to have £60k I could spend on "making my house my own" and not have to work. I've renovated a couple of houses: I've saved, done 3 jobs, taken out a huge mortgage. I worked.

BlueFahrenheit · 11/08/2026 11:50

This has to be an inflammatory thread; I don't believe it's real.

ShanghaiDiva · 11/08/2026 11:50

LakieLady · 11/08/2026 11:45

OP's mother has care/support needs and OP is moving/has moved nearer to her to meet those needs. I think it highly likely that that would constitute a good reason for giving up her job.

And if a work coach was bloody-minded enough to take the opposite view, I'm pretty confident that any decision that she was unemployed "without good reason" would be overturned if challenged.

And she didn't spend her money so that she could get benefits, she bought a bloody house with it, which is perfectly acceptable, even to the DWP! It's specifically listed as such in the CPAG welfare rights handbook, and on Housing Systems.

I don't know where you did your welfare rights training, but I'd suggest a refresher.

op didn’t say the mother had care needs just that she was moving closer to her.

OnlyMabelInTheBuilding · 11/08/2026 11:54

Get a job instead

ShanghaiDiva · 11/08/2026 11:54

KTheGrey · 11/08/2026 11:46

If you have a partner benefits will take his income into account, no?

exactly!

ShanghaiDiva · 11/08/2026 11:56

OnlyMabelInTheBuilding · 11/08/2026 11:54

Get a job instead

You can’t expect op to get a job when she needs to supervise her kitchen renovation and make the house her own.
completely unreasonable.

LakieLady · 11/08/2026 11:56

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

Because they can ask to see bank statements going back quite some time, to check on this specific point.

Occasionally, the DWP rumble that a claimant has had a windfall or savings in excess of the £16k upper threshold/£6k lower threshold. A few years ago, we had a couple of years where there were a few cases where I worked where clients had benefits suspended and savings were looked into.

We were never able to find out how, but the general opinion was that as the banks etc have to report interest paid on cash in accounts to HMRC, and HMRC share info with DWP, our best guess was that the HMRC reporting significant interest payments to DWP might trigger a suspension of benefits.

EllisIsEllis · 11/08/2026 11:57

Is this a 5 bedroom house?!? A room for each child (you say you have 3), plus a room for you/partner and a room for your mum.

Outrageous that you think it’s acceptable to choose to buy a large house, use all your savings on ‘making it your own’, then claiming benefits.

ChasingRainbow5 · 11/08/2026 11:57

Bunnyhunni6 · 11/08/2026 11:14

I think I might just do this 🤣

Jesus Christ. I wonder if all
these people are angry at the boat loads coming in and claiming benefits. I am not the problem. I want to work. I will work but my partner will be holding us all down until I find something. I just wasn’t sure if I could claim or not. I’m not going to have to live off the 60k that has specially been put aside to make the house my own. The school spaces are going to come I just have to appeal through the council when there back open… If everyone had this attitude of not moving because they are worried about school spaces is beyond me. I’m moving to the country side in my forever home away from a big town where SA is happening on underage girls from migrants so I will move thank you very much. It’s a forever home with a beautiful back garden and a room for each of my children and a room for my mum when she can’t live by herself anymore.

Ahhh, so you're entitled AND racist.

RanyaJerodung · 11/08/2026 11:58

ShanghaiDiva · 11/08/2026 11:56

You can’t expect op to get a job when she needs to supervise her kitchen renovation and make the house her own.
completely unreasonable.

Indeed. Those Farrow and Ball colours don't pick themselves.

Waitingforthecold · 11/08/2026 12:02

Bunnyhunni6 · 11/08/2026 11:14

I think I might just do this 🤣

Jesus Christ. I wonder if all
these people are angry at the boat loads coming in and claiming benefits. I am not the problem. I want to work. I will work but my partner will be holding us all down until I find something. I just wasn’t sure if I could claim or not. I’m not going to have to live off the 60k that has specially been put aside to make the house my own. The school spaces are going to come I just have to appeal through the council when there back open… If everyone had this attitude of not moving because they are worried about school spaces is beyond me. I’m moving to the country side in my forever home away from a big town where SA is happening on underage girls from migrants so I will move thank you very much. It’s a forever home with a beautiful back garden and a room for each of my children and a room for my mum when she can’t live by herself anymore.

Oh you definitely are the problem. Already anticipating fiddling the system when you've got 60k in the bank. Those 'boat loads' of people are fleeing our state funded wars, the least we can do is provide a safe place for them to land. You might want to try educating yourself slightly before even joking about home schooling your children so they don't end up as hateful and belligerent as you.

We have an amazing welfare state if it's used properly, you're lucky enough to have purchased a home with inheritance, have a large amount of money left in the bank and you come from a household with 2 income potential - time to give back if you want to be part of a functioning, socially responsible society.

igelkott2026 · 11/08/2026 12:03

Bunnyhunni6 · 11/08/2026 09:07

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

Well neither of those will come to £60K or even together.

But I don't understand why you would give up a job and uproot your kids and lose your job to be near your mum. It would have made more sense for her to move to your area if she can't cope unless she lives in a much cheaper area. But even then, you should have secured a job and then moved.

Shatteredallthetimelately · 11/08/2026 12:04

will work but my partner will be holding us all down until I find something.

Is this as in your DP will be paying for everything until you find work?

Why would they need to if you've 60k in the bank, surely you'd split the bills.

PeachesSansCream · 11/08/2026 12:05

This reply has been deleted

This has been deleted by MNHQ for breaking our Talk Guidelines.

LakieLady · 11/08/2026 12:06

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.

In this particular case, yes.

One of the client's children had been murdered and the family had been through an appalling couple of years, including the breakdown of the marriage and the child's father being sectioned because he was such a mess. I don't resent a penny of my taxes being spent on something like that. That £2k is a drop in the ocean for the 30m or so taxpayers in the UK.

I do resent the rich fuckers who go to all sorts of lengths to avoid paying their share though.

OneDreamyAquaEagle · 11/08/2026 12:09

Bunnyhunni6 · 11/08/2026 11:14

I think I might just do this 🤣

Jesus Christ. I wonder if all
these people are angry at the boat loads coming in and claiming benefits. I am not the problem. I want to work. I will work but my partner will be holding us all down until I find something. I just wasn’t sure if I could claim or not. I’m not going to have to live off the 60k that has specially been put aside to make the house my own. The school spaces are going to come I just have to appeal through the council when there back open… If everyone had this attitude of not moving because they are worried about school spaces is beyond me. I’m moving to the country side in my forever home away from a big town where SA is happening on underage girls from migrants so I will move thank you very much. It’s a forever home with a beautiful back garden and a room for each of my children and a room for my mum when she can’t live by herself anymore.

Racist and entitled. A fabulous role model for your kids 😬

MyOtherProfile · 11/08/2026 12:11

Bunnyhunni6 · 11/08/2026 11:14

I think I might just do this 🤣

Jesus Christ. I wonder if all
these people are angry at the boat loads coming in and claiming benefits. I am not the problem. I want to work. I will work but my partner will be holding us all down until I find something. I just wasn’t sure if I could claim or not. I’m not going to have to live off the 60k that has specially been put aside to make the house my own. The school spaces are going to come I just have to appeal through the council when there back open… If everyone had this attitude of not moving because they are worried about school spaces is beyond me. I’m moving to the country side in my forever home away from a big town where SA is happening on underage girls from migrants so I will move thank you very much. It’s a forever home with a beautiful back garden and a room for each of my children and a room for my mum when she can’t live by herself anymore.

Would it make more sense for your mum to move nearer you?

LakieLady · 11/08/2026 12:11

Whosthetabbynow · 11/08/2026 10:19

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

But buying a house will mean the OP will never need the housing element of UC and will be able to fund her own care in her old age, if she needs it. Buying that house could well save public money in the long term, and maybe in the short term, too.

That's why buying a home has always been an acceptable use of capital in all the 25 years I did welfare rights work.

ShanghaiDiva · 11/08/2026 12:14

LakieLady · 11/08/2026 12:11

But buying a house will mean the OP will never need the housing element of UC and will be able to fund her own care in her old age, if she needs it. Buying that house could well save public money in the long term, and maybe in the short term, too.

That's why buying a home has always been an acceptable use of capital in all the 25 years I did welfare rights work.

Don’t believe anyone has questioned buying a house. Spending £60k making it her own and then claiming benefits is another issue..

PeterRabbitsWhiskers · 11/08/2026 12:15

Shatteredallthetimelately · 11/08/2026 12:04

will work but my partner will be holding us all down until I find something.

Is this as in your DP will be paying for everything until you find work?

Why would they need to if you've 60k in the bank, surely you'd split the bills.

I suspect it's one of those ones where the 'DP' is claiming not to live with them so that on paper OP is a single householder to maximise benefits. While quietly being subsidised by him as well as the taxpayer.

BettyJoanPerske · 11/08/2026 12:17

Bunnyhunni6 · 11/08/2026 11:14

I think I might just do this 🤣

Jesus Christ. I wonder if all
these people are angry at the boat loads coming in and claiming benefits. I am not the problem. I want to work. I will work but my partner will be holding us all down until I find something. I just wasn’t sure if I could claim or not. I’m not going to have to live off the 60k that has specially been put aside to make the house my own. The school spaces are going to come I just have to appeal through the council when there back open… If everyone had this attitude of not moving because they are worried about school spaces is beyond me. I’m moving to the country side in my forever home away from a big town where SA is happening on underage girls from migrants so I will move thank you very much. It’s a forever home with a beautiful back garden and a room for each of my children and a room for my mum when she can’t live by herself anymore.

Two wrongs don't make a right.

BCSurvivor · 11/08/2026 12:18

Shame on you, OP.

So,you inherit a sizeable amount of money, buy a new house and budget £60,000 for ''improvements''
And then your first thought is ''how long until I can claim benefits again after spending most of the money''
And your justification for the criticism (rightly) received for that mindset is that you're not the problem because....boat people!!!

With a mindset like yours, YOU are the problem.

And you seem to be treating the benefits system as a lifestyle choice.