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ustwo
Community member Posts: 4 Listener
hi everyone I am new here .we are a cpl my wife is disabled and claims full pip .I get income support and carers allowance.sadly last year my wife's mum passed away in a care home and during her many yrs in there the home saved her money over the yrs and now that money is to be shared between her children and my wife is one of those.my wife will get around £12000 when its all sorted.i believe that the first £6000 is not counted but any more than that is deducted from my benefits. assuming we have £60000 over the amount allowed as savings .what I am asking is how much will be deducted from my benefits per week and for how long.thanks.
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Hello there @ustwo and thanks for reaching out with your query this morning
Scope has some information which might help on inheritance and benefits, please do take a look and let us know if you're still unsure of anything.Online Community Coordinator
Scope
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ustwo said:hi everyone I am new here .we are a cpl my wife is disabled and claims full pip .I get income support and carers allowance.sadly last year my wife's mum passed away in a care home and during her many yrs in there the home saved her money over the yrs and now that money is to be shared between her children and my wife is one of those.my wife will get around £12000 when its all sorted.i believe that the first £6000 is not counted but any more than that is deducted from my benefits. assuming we have £60000 over the amount allowed as savings .what I am asking is how much will be deducted from my benefits per week and for how long.thanks.
Your post says £12,000 but then talks about £60,000 over the limit. -
durhamjaide2001 Community Co-Production Group, Scope Member Posts: 10,897 Disability GamechangerOptionsI'm sorry to hear that your wife has passed away
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durhamjaide2001 said:I'm sorry to hear that your wife has passed awayIt wasn't the wife, it was her mother.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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durhamjaide2001 Community Co-Production Group, Scope Member Posts: 10,897 Disability GamechangerOptionspoppy123456 said:durhamjaide2001 said:I'm sorry to hear that your wife has passed awayIt wasn't the wife, it was her mother.
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ShirleyW said:ustwo said:hi everyone I am new here .we are a cpl my wife is disabled and claims full pip .I get income support and carers allowance.sadly last year my wife's mum passed away in a care home and during her many yrs in there the home saved her money over the yrs and now that money is to be shared between her children and my wife is one of those.my wife will get around £12000 when its all sorted.i believe that the first £6000 is not counted but any more than that is deducted from my benefits. assuming we have £60000 over the amount allowed as savings .what I am asking is how much will be deducted from my benefits per week and for how long.thanks.
Your post says £12,000 but then talks about £60,000 over the limit. -
ustwo said:ShirleyW said:ustwo said:hi everyone I am new here .we are a cpl my wife is disabled and claims full pip .I get income support and carers allowance.sadly last year my wife's mum passed away in a care home and during her many yrs in there the home saved her money over the yrs and now that money is to be shared between her children and my wife is one of those.my wife will get around £12000 when its all sorted.i believe that the first £6000 is not counted but any more than that is deducted from my benefits. assuming we have £60000 over the amount allowed as savings .what I am asking is how much will be deducted from my benefits per week and for how long.thanks.
Your post says £12,000 but then talks about £60,000 over the limit.Once the money goes into your bank you will need to report the changes to Income Support and they will be a £1/week deduction for every £250 or part there of over £6,000. PIP and carers allowanxe isn't affected.If you're claiming housing benefit and council tax reduction you'll need to report the changes to your Local Authority. Some LA's have a maximum savings limit of £6,000 for council tax reduction and they all have there own rules. If the limit is £6,000 then your council tax reduction will stop.Once your total savings go below £6,000 you will need to report the changes again.If your total savings are more than £16,000 then all your means tested benefits will end.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. -
durhamjaide2001 said:poppy123456 said:durhamjaide2001 said:I'm sorry to hear that your wife has passed awayIt wasn't the wife, it was her mother.
No worries. I hope you didn't think i was critising because i didn't mean it that way. I very often misread comments myself, it's very easily done.
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. -
poppy123456 said:ustwo said:ShirleyW said:ustwo said:hi everyone I am new here .we are a cpl my wife is disabled and claims full pip .I get income support and carers allowance.sadly last year my wife's mum passed away in a care home and during her many yrs in there the home saved her money over the yrs and now that money is to be shared between her children and my wife is one of those.my wife will get around £12000 when its all sorted.i believe that the first £6000 is not counted but any more than that is deducted from my benefits. assuming we have £60000 over the amount allowed as savings .what I am asking is how much will be deducted from my benefits per week and for how long.thanks.
Your post says £12,000 but then talks about £60,000 over the limit.Once the money goes into your bank you will need to report the changes to Income Support and they will be a £1/week deduction for every £250 or part there of over £6,000. PIP and carers allowanxe isn't affected.If you're claiming housing benefit and council tax reduction you'll need to report the changes to your Local Authority. Some LA's have a maximum savings limit of £6,000 for council tax reduction and they all have there own rules. If the limit is £6,000 then your council tax reduction will stop.Once your total savings go below £6,000 you will need to report the changes again.If your total savings are more than £16,000 then all your means tested benefits will end.
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ustwo said:…are we allowed to spend some of the extra money over the savings threshold to buy things for our house as we really could do with updating a lot of things we have in the house like washing machine, fridge freezer etc or would they look open that as wasting the money.we don't want to spend the money on things we need only to find we are penalised and sanctioned for longer
You should keep the benefit authorities informed of changes in your capital. You may be asked to explain how the money has been used so it is prudent to keep a record of purchases made including invoices and if replacing household items may be helpful to have a record of the items being replaced (age and whether they are faulty). It might be argued that if something is still working then it isn’t reasonable to replace it just because it’s old - although it might be energy inefficient Which in these times might be an incentive to replace.(However older items are often better made in my experience - my first fridge freezer lasted 30 years without ever needing repair, the replacement needed repair after 3 years - but that’s a different discussion!)Information I post is for England unless otherwise stated. Rules may be different in other parts of UK. -
Yes you can spend the money on things for the house but just make sure you don't buy the most expensive things to reduce your savings. There's not really any definition of deprevation of capital as such but just keeps the receipts for the furniture/white goods you buy just incase they ask for proof.
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. -
ty poppy and calcotti that helps a lot.we will keep all the receipts and we won't be buying the mega money items just the practical ones at reasonable prices
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You are welcome @ustwo. It is the very least you deserve.
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