UC managed migration guide
Comments
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For UC, savings only count on the last day of your assessment period. So most of your UC will probably be used by then, as the last day will be around 3 weeks after the previous payment.
Also, UC payments don't count as savings at all until the end of the next period. Though that gets very difficult to try and calculate, so it's easier just to put the exact amount down that's in your bank accounts on the last day of your AP. You don't have to do it every month, only if your savings go up or down through another ยฃ250 threshold since the last month. (So passing through ยฃ6250, ยฃ6500, ยฃ6750, etc).
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It all goes over my head
All I was told is to apply for UC the day after my ESA payment.
I don't understand the assessment periods etc, the adviser said ESA is ending so just have to forfeit around ยฃ17 a month in the future cos of what is in my bank now.
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As previously advised, each UC payment is based on your circumstances for the previous calender month, known as the Assessment Period.
It's the circumstances on the last day of your Assessment Period which are the most important.
Under ยฃ6k doesn't have to be reported, ever.
Anything over ยฃ6k at the end of your Assessment Period does need to be reported.
You will be deducted ยฃ4.35 for every ยฃ250 over ยฃ6k, or part thereof.
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Yes I know that for UC in the future but for ESA now and in the past my advisor says that's now not an issue as ESA is ending so not to worry and not to call dwp. I had no idea.
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Didnt have to pay a penny. Also got the full EDP backdated payment.
If you got backdated PIP large sum after an appeal, you would be exempted to go over up to the size of the payment for 12 months, so if it calmed down before then you will be ok.0 -
@worried33 ok thanks so my advisor is correct that I won't have to pay anything back, especially as now that ESA is ending. So what is point of prospective sending bank statements.
The pip back payment was a few years ago and was quite a lot, I've a lot less now as I had to invest in a few things for my disabled mum..
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Just put your flat I support my dad alot I'm not a carer he's noting to do with my claim
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I got big payment 2019 2020 they asked for bank statements I was so scared I didn't relize they would check I squandered alot of the money I went mad because it was in the 12 months it was disregarded I gave my daughter 4 grand and noting was said so don't worry and when I go on UC they will see how I squander money I have no impulse control people have had 80 grand in accounts so going over a bit is noting
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thanks Catherine i hope so, there's always money coming out all the time so goes up & down.. I can't work out the assessment period but the advisor will help.. Yes about monies yer get different advice by different people but yes your right it's just my mind & anxiety i've been always like it worry about everything
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It's not quite that simple unfortunately. Some people do have to pay money back after the claim ends.
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Does that mean paying money from the past and also having money taking money off UC too as i know the sanctions for UC but never knew ESA was the same.
My northern counties advisor said as now it's ending I won't have to.
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It doesn't mean sanctions from UC. The two benefits are completely separate.
If you were overpaid ESA in the past then ESA can still send you a bill to pay that back. They don't always, but they can. They will ask for bank statements first though. And it can take many months to calculate after they receive the statements, so really not something to worry about right now.
The savings deductions are about the same on ESA as they are on UC, so that is why you could have been overpaid on ESA. If you expect to lose around ยฃ17 a month on UC, then that would have been about the same monthly deduction on ESA.
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I had no idea about it all..
My advisor said that now as ESA is ending I don't have to worry about the past and that once I migrate over it's a fresh start. . That once I fill in the online form they just take it as how much you have in and just get sanctioned for UC.
I dunno it's all a bit much, sending in statements for years seems overwhelming ๐
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It's only a deduction for having savings, not a sanction. Sanctions are when you have money stopped because you've done something wrong. But deductions happen for normal reasons like savings or income.
I can't comment on what your adviser said. All I can advise is that ESA picked up on my own savings being different when I migrated and asked for several years of bank statements to be sent in. I have since seen it happen to other people as well.
If you only have one bank account then getting the statements isn't so difficult. Ask the bank to print them between the dates that ESA ask for. (For example, January 2022 up to August 2025). Then you post them to the ESA address. It's only if you've got a lot of accounts or have opened and closed different accounts that it gets more difficult.
I really don't want you to worry about it now though. Just to be prepared in case ESA do send you a letter in a few weeks time.
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ESA might look at your declared capital on the UC application, then ask you for bank statements to see if you were overpaid ESA.
They would then ask for repayment and maybe a small fine.
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Thanks, and @Kimi87 I'm very worried about it, around 3-4 years ago I had a lot more in than I do now because I was i was house bound a long time & an appeal I won.
As Kimi said it's all about 'might' but I'll try prepare.
Even though I'm deducted because over 6k applying for UC, will payback for ESA be via less future UC as ESA is stopping or or a lump sum which is why worrying. Feels like opening can of worms .. thanks
p.s / will it affect Housing benefit if I get deduction .
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No, payback for ESA will not come out of UC. They are completely different benefits. You would have to make a bank transfer to pay back the ESA if that happens.
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Thats worrying for me as need for my mum's disability.
I appreciate all your help and Kimi. I'm just hoping what the Northern counties advisor says is correct, I asked her twice. They should be in the know of it's their job. ๐
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Would housing benefit be affected too if I have too much savings applying for UC?
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If eligible for UC then your hb converts into Housing Element paid as part of UC.
Once you apply for UC then Housing Benefit ends, new claims for hb are only possible for those of pension age or living in supported accommodation.
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