Employment and Support Allowance (ESA)
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How much can I have in savings

My daughter as borrowed alot of money in the last 6 years. I get esa support and low rate pip. How much could I have in a savings account plz 


  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    edited October 2020
    Hi and welcome,

    PIP isn't means tested so savings/capital do not affect the amount you're entitled to.

    For the ESA then it will depend whether it's Income Related, if any part of it is then savings of less than £6,000 are disregarded. Savings of  between £6,000 and £16,000 will reduce the amount of ESA you're entitled to by £1 per week for every £250 (or part there of) over than amount.

    Savings/capital of £16,000 and over will mean you're not entitled to any means tested benefits at all, this includes housing benefit. Council tax reduction will depend on your local councils rules and all councils have their own criteria.

    Just to be clear this includes all of your money in every bank account, at home etc etc. Not just a savings account.
    Proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice I have given to members here on the community.
  • woodbinewoodbine Community Co-Production Group Posts: 3,821 Disability Gamechanger
    hi @yvonne537 and welcome to scope; poppy's advice is as ever spot on, can I ask what you refer to when you say your daughter "has borrowed a lot of money in the last 6 years" and why you might think that would have a connection to YOUR benefits?
    my advice is given freely and is correct to the best of my knowledge.
  • yvonne537yvonne537 Member Posts: 5 Listener
    Thanks. Its cleared it up for me x
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