What does the DWP regard as savings or income? — Scope | Disability forum
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What does the DWP regard as savings or income?

Richard60 Member Posts: 4 Listener
Hi Everyone,

My question is about the ESA3 (IBR) form and the recent posts relating to it.

What does the DWP regard as savings / income? Is an inheritance from a family will classed as savings / income?

Many Thanks


  • steve51
    steve51 Member Posts: 7,154 Disability Gamechanger

    Good Afternoon & Welcome It’s great to meet today.

    Here’s some info below for you:


    Please please let me know if you can’t find what you need within the info???


  • Antonia_Alumni
    Antonia_Alumni Scope alumni Posts: 1,781 Pioneering
    Hi @Richard60 , welcome to the community. In regards to your question, please find the information below and find out more on our  Savings and means-tested benefits page.

    How savings affect means-tested benefits

    Savings include:

    • cash
    • money in any bank or building society account
    • National Savings and Investments NS&I accounts such as Premium Bonds or Income Bonds
    • stocks, bonds and ISAs    
    • property that is not your main home    

    Savings do not include:

    • work or private pensions (if not cashed in)
    • jewellery, antiques or family heirlooms    
    • your car or business
    • life insurance
    • compensation payments held for less than 1 year your home
    Please let us know if you have any questions.
  • poppy123456
    poppy123456 Member Posts: 28,435 Disability Gamechanger

    Yes, any inheritance is classed as savings and needs to be reported as a change of circumstances if it's over the amount allowed. £6,000 and your means tested benefits are affected £1 for every £250 over that amount. £16,000 and all your means tested benefits stop.
  • Richard60
    Richard60 Member Posts: 4 Listener
    What if you are over the £16,000 limit for say six months out of a seven year period. Surely there would be some consideration for the remaining 6.5 years. I'm trying to complete ESA3 and find their definition of going over the 16k limit unclear.
  • poppy123456
    poppy123456 Member Posts: 28,435 Disability Gamechanger
    They look at all of your circumstances between the dates in the letter. Savings of £6,000 and over affect it also. Bank statements will prove what you had at the time.


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