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Inheritance: Are saving calculations separate for adults and children?

alanmids

I am worried I might have advised my brother and sister-in-law wrongly.They have extensive health issues in the family (all adults-household) and a both a parent and an adult child each get PIP and support group ESA. He is soon to get an inheritance (over the savings limit) he did not expect. I thought that then his ESA would stop but his daughter's would not as the inheritance is to him and I presumed savings calculations are separate when adult children remain in the parental home. I would be very appreciative for kind advice.

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Comments

topper

Esa would not be affected, as it’s not a means tested benefit.However if he receives universal credit he would lose all of that if it’s over 16000 in his account. Under that amount you have give or take £4 every £250 over 6000 in account upto 16000. As far as children are concerned I have not idea.

alanmids

Thank you. To be clear he has income related ESA which I think is means tested, while contributory type is not.

poppy123456

topper said:

Esa would not be affected, as it’s not a means tested benefit.

That isn’t quite correct. Income Related ESA is means tested so it’s affected by savings.

The ESA which isn’t means tested is either contributions based or New style ESA.

In this case if the daughter isn’t receiving any inheritance then her benefits will not be affected.
The ones that are receiving inheritance, if any part of the ESA is contributions based then this won’t be affected.

If they are claiming housing benefit and council tax reduction these will be affected. Council tax reduction may have a savings limit of £6,000 but it will depend on their local Authority.

alanmids

Thank you. That kindly and helpfully reassures as it fits with what I perceived, ie income related ESA and c/tax affected.

alanmids

*brother's only ESA effeted

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