UC/ESA/LCWRA award - please help!

betty72
betty72 Online Community Member Posts: 11 Listener

Hi I'm having a lot of trouble working things out and there's a lot of confusion from the Universal Credit department so I'd be grateful for some guidance so I can go back to them with facts if they have made mistakes. I hope someone can make sense as I'm new to all this and I may not be explaining my concerns very well.

I have chronic health and mobility issues after months of illness last year so submitted my 1st fit note on 24th October 2024 and have claimed ESA and UC since that date. I receive a housing element from UC and a standard allowance of £90.50 for ESA so on my UC statement they deduct the standard allowance because it's getting paid via ESA which I understand. I submitted a UC50, had an assessment and a letter on 13th January from UC saying I've been placed in the LCWRA group and payments will start 3 months after I submitted my 1st fit note. So even though 3 months would be 24th January I didn't expect something until my next UC payment 15th February. (My assessment period is 9th to the 8th of each month). I was able to access my statement on 11th and as it wasn't showing entitlement to any LCWRA element yet I queried this and the case manager said she didn't know why I thought I'd start getting extra money in January and that payments will start in March (I didn't I just thought the award period would start in January and payments would increase February). Am I right to think I should have received some element of LCWRA in February's payment or is she right saying it's March? As my next payment is 15th March that will be almost 5 months. I need to know the facts so I can raise my concerns correctly.

In the meantime my biggest concern is deductions that have been made in this month's UC payment. I think they've made an error and I've been underpaid. Basically the support rate for ESA started from 24th January (but paid on 30th January at a slightly lower rate, I'm assuming because of the assessment period). My first full ESA payment of £276.40 was paid yesterday 13th February. From November up until 16th January I was receiving the standard rate of £90.50 per week (£181 twice fortnightly). Meanwhile not only have I not received the LCWRA rate from UC, they have assumed I received around £598 per month ESA from 9th January to 8th February so deducted the full amount from my UC which dips into my housing allowance. I didn't think if I was put in the support group I'd be worse off. (I'm getting about £398 this month after deductions). I'm trying to get across the fact that I haven't received as much as they think and that as the support payment of ESA is around £47.70 per week I thought the LCWRA element of UC would make up the difference to total £416.90 of extra support per month (approx £49 per week extra if that makes sense).

UC are so difficult to communicate with that this is getting really stressful. You send messages which don't get a response unless you call the helpline but the operator just listens to my concerns and leaves a message for the case manager who seems to keep making errors since I started my claim in October. One month I was told I was owed money and the next told I was overpaid so they're deducting £56 for a few months so because of this overpayment which I'm querying I've had over £600 worth of deductions this month and I haven't been getting the support rate of ESA they think I have. It's my first time claiming UC and I don't know how to navigate this without outside help. I'm not going to have enough to live on it will probably just about cover rent.

Apologies this is rather longwinded and I hope it makes sense. I'd really appreciate any help working this out because it's just way over my head.

Thank you.

Elizabeth

Comments

  • betty72
    betty72 Online Community Member Posts: 11 Listener

    I meant to add if the ESA extra support element was awarded from 24th January surely the UC element of LCWRA would be the same date? (ie. 3 month's after the date of my first fit note).

  • poppy123456
    poppy123456 Online Community Member Posts: 64,463 Championing

    The waiting period is 3 full assessment periods and the extra money starts from the 4 month after you provided your first fit note. First payment is then made at the end of that month.

    Your waiting period will be Nov/Dec, Dec/Jan, Jan/Feb… LCWRA starts from 9th Feb to 8th March and first payment is 15th March. No LCWRA element is owed. The reason why it’s not paid until March is because you didn’t provide your fit note until the middle of your first assessment period, which doesn’t count.

    The deduction for your ESA is £598.86/month. This is because there’s 4.3 weeks in a month, not 4 weeks. To work out the monthly deduction you times the weekly amount of £138.20 by 52 and divide by 12.

    You are not any worse off because you received the ESA payment, which is rightly deducted in full from UC.

    For ESA the extra money is paid from the 14th week of your claim.

  • betty72
    betty72 Online Community Member Posts: 11 Listener

    Hi Poppy

    Thank you so much for your response it really has been confusing time for me so I appreciate the help.

    I just wanted to ask though if I've been placed in the LCWRA support group I expected the standard allowance to be deducted from my Universal Credit as I'm getting it in ESA payments instead (so far each month it has balanced out) but now as payments have recently increased and I'm getting an extra £47.70 per week ESA to help with living costs I thought I'd be allowed to keep this extra money? And then I assumed next month's UC payment would have a disability element to make up the difference so that I'm getting the extra £416.19 per month I've been told is the LCWRA rate.

    I also understand your calculations for ESA but I've only been getting £90.50 per week twice fortnightly until the last payment of £181 on the 16th January. Then £235.53 on 30th and yesterday the full amount of £276.40 so from the last assessment period on my statement being 9th January to 8th February I was mostly receiving the standard rate.

    I'm really sorry if I'm repeating myself or coming across stupid but am I missing something? I think it's all the different dates that confuse me.

    Thanks again.

    Elizabeth.

  • Kimi87
    Kimi87 Online Community Member Posts: 5,524 Championing
    edited February 14

    ESA is always deducted from UC in full.

    I wonder as you were on full ESA on the last day of your assessment period, if that is the reason for the £598.86 deduction.

    UC don't do part deductions etc instead basing your payment on the circumstances for the last day of your AP.

    There are no disability premiums payable under UC.

    You will see the LCWRA element in March as Poppy has advised.

    Alongside payments of £276.40 per fortnight in ESA.

  • betty72
    betty72 Online Community Member Posts: 11 Listener

    Thank you Kimmy for the extra clarification.

    If UC don't pay a disability premium and the maximum amount of ESA I've been told is £138.20 per week, where will the LCWRA payment come from? I had the LCWRA award letter in my journal so assumed it came from them.

    You've both been a huge help so far I thought I'd never get my head around this.

    Thanks again.

    Elizabeth

  • Kimi87
    Kimi87 Online Community Member Posts: 5,524 Championing
    edited February 14

    UC will add the LCWRA element of £416.19 to your overall award- before deductions are made - from March.

    UC is a benefit made up of different elements.

    You get standard allowance & Housing Element already, LCWRA will be added to that.

    It isn't what's known as a disability premium.

  • poppy123456
    poppy123456 Online Community Member Posts: 64,463 Championing

    ESA is paid 2 weeks in arrears so when you receive your payment it will be for the previous 2 weeks. For this reason I’m afraid the deduction from your UC is correct. When you receive the LCWRA element next month it will be for the period 9th Feb to 7th March, with payment being 15th March, this is because UC is paid 1 month in arrears. It looks like you’re receiving less than you’re entitled to but you’re not.

  • poppy123456
    poppy123456 Online Community Member Posts: 64,463 Championing

    LCWRA is part of UC, it’s not a benefit or a payment on its own.

  • betty72
    betty72 Online Community Member Posts: 11 Listener

    Thanks to both of you for all your responses so far it's much appreciated.

    So even though I've been placed in the support group I won't benefit properly until 15th March? For example this month the extra ESA support money will go towards my rent whereas before I was getting full housing benefit element. I thought the extra support money awarded from 24th January would be discounted and I'd still get full housing allowance.

    Also just to clarify I won't get £276.40 per fortnight as well as £416.19 LCWRA and UC will just make up the difference so that any extra support (on top of the standard allowance) totals £416.19? I worked it out to be around £49 per week LCWRA.

    Apologies this is the last message as I have cognitive and concentration issues and I know I'm probably repeating myself. I really struggle to make sense of things these days unless it's simplified.

    Thank you.

    Elizabeth.

  • Kimi87
    Kimi87 Online Community Member Posts: 5,524 Championing

    For UC LCWRA element to be payable there is a waiting period as Poppy advised.

    Your first payment date after the waiting period is 15th March.

    At that time your UC award will be:

    Standard Allowance £393.45

    Housing Element

    LCWRA £416.19

    Added up that is your total UC award.

    Then the deduction of £598.86 for ESA will be made.

    For ESA which is a separate benefit, you now have the Support Group component and will be paid £276.40 every fortnight.

  • poppy123456
    poppy123456 Online Community Member Posts: 64,463 Championing

    Going forward your ESA will be £276.40/fortnight.

    Your UC will include standard allowance £393.45, LCWRA element £416.19 and housing element.

    The ESA will be deducted from your UC at a rate of £598.86/month. This is because there’s 4.3 weeks in a month, not 4 weeks as I advised above.

    There will be 1 month a year where you will receive 3 ESA payments but the deduction for UC will be the same as always.

    It is known as a dual claim and your UC tops up your income.

  • betty72
    betty72 Online Community Member Posts: 11 Listener

    Hello again Poppy

    Thank you so much for explaining further.

    This makes everything so much easier to understand and has put my mind at ease.

    You wouldn't think I was a legal secretary in my previous life (what ill health can do to your brain 😕).

    Thanks again.

    Elizabeth