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Carers Allowance & ESA

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BigDon
BigDon Community member Posts: 9 Listener
Hi, We have just applied for carers allowance and are currently in receipt of Income Related ESA I’m also not in the workgroup. My wife is my carer and she works 2hrs a day Mon/Fri at our local school.

We had some financial advice online that said we were missing out and should claim carers allowance since my wife has cared for me for many years! They said we could claim CA and we would be better off! However I believe there may of been a reason we have never applied as we received a letter today stated my wife could get carers allowance but we may get this deducted from our ESA? We get this paid fortnightly and if this is the case then why did we even bother claiming it? 

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  • BigDon
    BigDon Community member Posts: 9 Listener
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    Can’t seem to edit so will add what I get..

    I’m in the ESA Support group and I get Enhanced Disability Premium, so I take it I will lose the EDP each week.
  • poppy123456
    poppy123456 Community member Posts: 57,077 Disability Gamechanger
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    She can claim carers allowance for looking after you if you claim a qualifying disability benefit such as PIP/ADP daily living or DLA mid/high rate care. She must not earn more than £151/week. 

    Yes, the carers allowance will be deducted in full from your ESA (as it always is) carers allowance will then pay her as a separate payment, either weekly or 4 weekly, which ever she chooses when she claims. 

    ESA will then add the carers premium of £45.60/week. Therefore you would be £45.60/week better off. 

    As it's Income Related ESA you're claiming are you the main claimant? If so are they aware that your wife works 2 hours a day? There's only a £20/week disregard for earnings for her and anything over that amount will reduce your ESA £1 for £1. So if she earnings £40/week then your ESA should reduce by £20/.week. 
    I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.
    If i see a question that i know the answer to i will try my best to help.
  • BigDon
    BigDon Community member Posts: 9 Listener
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    She can claim carers allowance for looking after you if you claim a qualifying disability benefit such as PIP/ADP daily living or DLA mid/high rate care. She must not earn more than £151/week. 

    Yes, the carers allowance will be deducted in full from your ESA (as it always is) carers allowance will then pay her as a separate payment, either weekly or 4 weekly, which ever she chooses when she claims. 

    ESA will then add the carers premium of £45.60/week. Therefore you would be £45.60/week better off. 

    As it's Income Related ESA you're claiming are you the main claimant? If so are they aware that your wife works 2 hours a day? There's only a £20/week disregard for earnings for her and anything over that amount will reduce your ESA £1 for £1. So if she earnings £40/week then your ESA should reduce by £20/.week. 
    Hi Poppy many thanks for replying, I’m the main claimant and my wife earns £304 a month from working and this was declared to DWP many years ago. So this is nowhere near the £151 a week you have stated and afaik we have had no deductions other than for a loan we had. Does that sound about right?
  • BigDon
    BigDon Community member Posts: 9 Listener
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    Actually my wife thinks they maybe taking some money off us but can’t be sure as it’s been 8/9 years ago. 

    Am I correct in saying she’s allowed to work and earn no more than £151 a week? Or does any income she receives get taken off us at the rate of £1 for £1
  • poppy123456
    poppy123456 Community member Posts: 57,077 Disability Gamechanger
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    BigDon said:
    She can claim carers allowance for looking after you if you claim a qualifying disability benefit such as PIP/ADP daily living or DLA mid/high rate care. She must not earn more than £151/week. 

    Yes, the carers allowance will be deducted in full from your ESA (as it always is) carers allowance will then pay her as a separate payment, either weekly or 4 weekly, which ever she chooses when she claims. 

    ESA will then add the carers premium of £45.60/week. Therefore you would be £45.60/week better off. 

    As it's Income Related ESA you're claiming are you the main claimant? If so are they aware that your wife works 2 hours a day? There's only a £20/week disregard for earnings for her and anything over that amount will reduce your ESA £1 for £1. So if she earnings £40/week then your ESA should reduce by £20/.week. 
    Hi Poppy many thanks for replying, I’m the main claimant and my wife earns £304 a month from working and this was declared to DWP many years ago. So this is nowhere near the £151 a week you have stated and afaik we have had no deductions other than for a loan we had. Does that sound about right?
    No, it doesn't sound right. £304/month is about £70ish per week so I would expect your ESA to be reduced by about £50/week. Are you 100% sure your ESA is Income Related and not contributions based? contributions based isn't means tested so won't be affected by her earnings. 

    If your ESA is £129.50/week then this will be contributions based. If it's more than that then at least part of it will be Income Related and the deductions would apply. 

    You haven't mentioned claiming a disability benefit only claiming ESA. Can you please confirm that you're claiming a qualifying disability benefit that I mentioned above. 

    BigDon said:


    Am I correct in saying she’s allowed to work and earn no more than £151 a week? Or does any income she receives get taken off us at the rate of £1 for £1
    That's the earnings limit for carers allowance. Her earnings limit for being named on your ESA claim is as I advised here. 
    There's only a £20/week disregard for earnings for her and anything over that amount will reduce your ESA £1 for £1. So if she earnings £40/week then your ESA should reduce by £20/.week. 

    I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.
    If i see a question that i know the answer to i will try my best to help.
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