Advice On Living With Partner

fox97
fox97 Online Community Member Posts: 2 Listener
in Housing and independent living
At the moment I'm in a 2 bedroom house with 1 dependant and am on LCWRA and Housing Benefit as well as the usual UC and Child Tax Credits.

I'm wanting to live with my partner as I'm needing support around the house however we're unsure as to whether we'd be able to whilst I'm unable to work.

My partner earns a good wage (I believe around 37k a year) however we've calculated and with the costs of housing in my area (have to be local to child's school as I can't drive currently), energy prices, costs for partner to drive (he has to drive to work), food etc he wouldn't be able to support all three of us on his own.

I've contemplated just attempting to work again however the damage incurred to my body when I last attempted to return to work was very intense and is why I'm in the position I currently am.

We're wondering if I'd still be entitled to LCWRA or any housing element whatsoever. I haven't applied for PIP as I feel too guilty doing so however this has been recommended but I'm also not sure how it works.

Any advice would be appreciated as at the moment I'm feeling quite hopeless. My partner and I have been friends for many years prior to our relationship, he's worked as a carer in the past also so I trust him with helping me if/when I need (to state I'm not relying on him for this, it simply helps) but I also don't want him to have to compromise his work etc as he's worked really hard the last couple of years to be where he's at.

Comments

  • poppy123456
    poppy123456 Online Community Member Posts: 63,179 Championing
    edited January 2023
    fox97 said:
    At the moment I'm in a 2 bedroom house with 1 dependant and am on LCWRA and Housing Benefit as well as the usual UC and Child Tax Credits.



    This is confusing because you can't be claiming UC and child tax credits, together because they are completely different benefits. Money for your child will be paid as part of your UC known as child element. It's completely different to tax credits. Also you would only be claiming housing benefit if you either live in supported or temporary housing. If you don't then your rent will be covered in with your UC payment known as housing element.

    If your partner moves in with you then you would need to report a change of circumstances on your journal, then tell them your partner is now living with you. You will then be sent a linking code. Your partner would then need to claim UC and use the linking code you were sent. This will then join both claims together.

    UC is based on (net) earnings received each month. You will have the work allowance which means that £344/month earnings will be ignored before the 55% deductions apply.

    As the housing element and LCWRA element are both part of UC, whether there's any entitlement to UC will depend on your maximum UC entitlement and your partners earnings received each month. You can use a benefits calculator to check entitlement. https://www.entitledto.co.uk/benefits-calculator/Intro/Home?cid=9ef2a836-dc0b-4dd1-878c-02ea9ea53558

    If you have savings/capital of more than £16,000 then there's no entitlement to UC.






  • fox97
    fox97 Online Community Member Posts: 2 Listener
    poppy123456 said:
    fox97 said:
    At the moment I'm in a 2 bedroom house with 1 dependant and am on LCWRA and Housing Benefit as well as the usual UC and Child Tax Credits.



    This is confusing because you can't be claiming UC and child tax credits, together because they are completely different benefits. Money for your child will be paid as part of your UC known as child element. It's completely different to tax credits. Also you would only be claiming housing benefit if you either live in supported or temporary housing. If you don't then your rent will be covered in with your UC payment known as housing element.

    If your partner moves in with you then you would need to report a change of circumstances on your journal, then tell them your partner is now living with you. You will then be sent a linking code. Your partner would then need to claim UC and use the linking code you were sent. This will then join both claims together.

    UC is based on (net) earnings received each month. You will have the work allowance which means that £344/month earnings will be ignored before the 55% deductions apply.

    As the housing element and LCWRA element are both part of UC, whether there's any entitlement to UC will depend on your maximum UC entitlement and your partners earnings received each month. You can use a benefits calculator to check entitlement. https://www.entitledto.co.uk/benefits-calculator/Intro/Home?cid=9ef2a836-dc0b-4dd1-878c-02ea9ea53558

    If you have savings/capital of more than £16,000 then there's no entitlement to UC.






    Ah yes apologies my bad! It is both the child and housing element, I wrote this up before my brain was working correctly 😅

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