benefits Qu

[tunafortea]

sorry to put this on here but I have been lurking all over mumsnet and this section seems the kindest place in mumsnet?

I have 2 dc's, 1 with special needs.

I have a qu about benefits if I separate from my husband.I have been to my local CAB but they couldn't give me a definate answer to my main Qu.

Does anyone know where I can ask a Qu about benefits without being got at by those more fortunate than me who will see me as some sort of leech on society, rather than a person needing some help?
thank you.

Depends on lots of things: homeowner/renting, savings, work pattern, no of kids etc.

There are 'disability premiums' to top up some benefits if you SN child gets DLA and DLA is disregarded in calculating your incomings.

There is a calculator Entitled To where you can input your circumstances and it will tell you your benefits but I don't know if it's sophisticated enough to work out the disabled premiums - but it will tell you the minimum.

My Dh works, I receive DLA and incapacity.
We have a joint mortgage but it is interest only.
I asked whether I would get help with the mortgage interest payments if Dh left. They couldn't tell me if a. I would or not, b. if it would only be 50% (ie 'my share'), c. how long for?
If he moves out how can I pay the mortgage as he will need to pay his own rent?
We are very unhappy, and the kids are too, so do need to split, but I would like to stay in the house if poss. The Qu is how do I pay the mort whilst I am on DLA and incapacity? Also, are all these benefits being re-assesed very soon anyway?
Sorry if this is the wrong place to ask?

Getting mortgage help is quite complex I beleive.
Shelter have some information on line and also a helpline and might be able to give you expert advice.

If you split your partner will be expected to pay support, whether or not this is enough is another question.

But from experience I would say that being out of an unhappy stuation was more importnant for my DC than moving into a rented house.

You need to speak to a solicitor. Your H will have to pay you maintenance, but as creamteas said, that may be insufficient to pay the mortgage.