UC capital income from Disregarded property

kittybelle said:

You say carers allowance is taken off but we will still get it won't we?,as we do now on IS.

Yes you will still receive the carers allowance in the same why you do now. Carers element will need to be claimed as part of your maximum UC entitlement.

kittybelle said:

I got the same figure £306.25.I won't be having a WCA it's just light touch review of my details as far as I can see.

It would be worth ringing them and asking them whether you are noted on the system as having LCW or as having LCWRA. Ask if they can confirm in writing. You will want to know for when you claim UC (regardless of whether or not it is of your choosing or when you wait for managed migration).

kittybelle said:

You say carers allowance is taken off but we will still get it won't we?,as we do now on IS

Yes you would still receive the Carer's Allowance as a separate payment.

kittybelle said:

I calculated next year's uplift as 
£578-£307(carers)=£271.82+£185.86(carers element)+£285 (TP) =£742.86 per month.plus carers allowance £307=£1049.68
Plus rent£240=£1289.68
Which gives£322.42 weekly how's that lol?

Close but you have made the common error of treated a monthly amount as the same as a 4 weekly amount. To calculate the monthly equivalent you have to multiply the weekly amount by 52 and divide by 12. 

kittybelle said:

We at present do get to keep the rental income of £240 it is paid separately to me from local housing authority it is deducted of the income support 

Yes I understand that you keep it. The difference is that it is taken into account when calculating IS but appears to be ignored for UC.

So on 2023 rates

For IS on your existing arrangement:
Couple allowance £133.30, disability premium £56.80, Enhanced disability premium £27.90, SDP £76.40, carer premium £42.70. Maximum IS £337.10/week. Minus CA £76.75 and rent of £55.38 (£240 x 12/52) = £204.97/week.
Add back the Carer's Allowance and rent you receive and the weekly income is £337.10/week.

If you claimed UC voluntarily without LCWRA then UC is standard allowance £578.82 plus carer element £185.86 plus £285 (SDPTP) =£1,049.68 minus Carers Allowance £332.58 makes UC payable £717.10/month
Plus CA monthly equivalent £332.58 making total £1,049.68.
Plus rent £240 =£1,289.68/month which is equivalent to £297.62/week which is less than on IS.

If you were then found to have LCWRA the LCWRA element of 390.06 would be added but the TP element removed so UC total would be £822.16 among total monthly income of £1,394.74 which is equivalent to £321.86/week which is still less than on IS.

However if you have LCWRA before claiming UC then the UC would be standard allowance £578.82 plus LCWRA element £390.06 plus carer element £185.86 plus £120 (SDPTP) =£1,274.74 minus Carers Allowance £332.58 makes UC payable £942.16/month
Plus CA monthly equivalent £332.58 making total £1,274.74.
Plus rent £240 =£1,514.74/month which is equivalent to £349.56/week.

Even on the last calculation, even though the rent is ignored, the gain is only £12.46/week (still £650/annum) because your underlying existing IS award is significantly more generous than UC.

Therefore it appears that you should only consider switching to UC in advance of 'managed migration' if you already have LCWRA.

kittybelle said:. I have been tempted to ring the benefits office but was wary incase they popped a WCA form in the post.I will update you if I do.

There is that possibility but it’s something you are going to want to clarify at some stage.