New UC claim

Sorry, I realise there were a number of questions after a brief description of my position. there so ive broken it up to try and make it easier to follow.

Hi, ive been getting New style ESA for almost 2 months now, Ive just been awarded the enhanced amount following my paper based and 2 phone assessments as limited capacity for work and work related activity, however my years contractural sick pay from my employer has just ended as i got a years full sick pay from them as I have been off all year).

 I am due 1 more payday from my firm at the end of December, it will be about 14 days pay, but, it might be a lot more as they have said i am owed a further 29 days holiday pay which i have accrued this year whilst off sick for the full year, which will add up to a considerable amount. The only thing is, those extra holidays may not be paid until January now as it may be too late for them to include in Decembers pay.

So what i want to know is, Shall i start my UC claim now and submit it after i see what amount I get at the end of December, Or wait until the end of January in case my firm pays me my owed holiday pay then ? Im concerned about waiting as Ive heard the UC payments are getting reduced by half for claimants being awarded after next April.

Is it correct that my New style ESA will cease as soon as i get my award for UC ? ive read it will reduce my amount of UC ? so If i do it too early I may lose out on ESA payments now. Im worried if I claim UC and lose the New Style ESA then i will be worse off than I am now? Another thing is I got back payments of new style ESA, which i still have in my current account.

When i submit to them the details of how much capital i have in my accounts, do the backdated lump sum of ESA I received count as part of my savings ? which are below 16k and will drop rapidly when i no longer have an income from work as I have direct debits of over £1100.00 a month now, i hope this is more understandable, regards. Paul.

Hi, no need for any apologies, ok, again many thanks for taking the time for replying, just to clear things up, the backdated monies for my Contribution based “ New style ESA” is what was paid to me a couple of weeks ago, and consisted of a backdated element of the limited lcwra, i.e, when i first claimed it, after my ssp ran out in July. I was put on the basic rate for ESA whilst I was considered, after my interviews, it was clear that I was indeed lcwra, so I then got put on the higher amount. Obviously, I was physically lcwra from the date I applied, so the DWP backdated the ESA amount to the higher rate I was entitled to. Hence the lump sum payment. I have read that they exclude lump sum backdated payments from situations such as mine or pip backpayments, for a period of 1 year after you receive them. I am only 59, and had no plans to retire, therefore I would like to keep my pension sitting there for as long as I can, as even without the contributions from my employer and myself, it would gain in value, as to take it now would be a considerable drop 6 years earlier than its original intended date. Also, as pointed out, it would affect any UC award if I were to take it. Obviously, I need a decent income, so although pip is not guaranteed and the time frame could be considerable regarding the wait. I need that UC income in order to survive as I said previously, my lifestyle has considerable outgoings, monthly bills I mean, I dont take foreign holidays etc, , for example my gas and electric last month was just under £350:00 and will be the same this month Housing is not an issue, as my mother-in -law kindly gave her daughter the balance of what was left on the mortgage. Kind regards.