Welfare Rights Training 2013 INCOME MAXIMISATION Whats this all about? The ability to listen, fact...

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Transcript of Welfare Rights Training 2013 INCOME MAXIMISATION Whats this all about? The ability to listen, fact...

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Slide 2 Welfare Rights Training 2013 Slide 3 INCOME MAXIMISATION Whats this all about? The ability to listen, fact find, and notice that something is missing, advise accordingly, helping to identify further claims due. The ability to listen, fact find, and notice that something is missing, advise accordingly, helping to identify further claims due. Thus increasing the weekly income of any client. Thus increasing the weekly income of any client. Slide 4 How do you do this? INCOME MAXIMISATION Slide 5 Interview and listen carefully Slide 6 Think ahead Slide 7 Write down or record the facts / information given on a case record sheet Slide 8 Check this information again at the end Slide 9 Calculate existing entitlements using the above information Slide 10 Submit and backdate any and all existing claims identified at this first stage Slide 11 Identify any possible new claims due Slide 12 Re-calculate again as if these claims where awarded / paid claims where awarded / paid Slide 13 Submit any and all claims that would become payable only if or when these new claims are paid / awarded Slide 14 Clearly explain to the client what will or will not happen Slide 15 The following are real cases He is 62, has Incapacity Benefit at 101.35 and Low rate Care at 21, he claims full HB & CT Benefit paying no Rent, he has savings at 15,400. Benefit check requested. He is 62, has Incapacity Benefit at 101.35 and Low rate Care at 21, he claims full HB & CT Benefit paying no Rent, he has savings at 15,400. Benefit check requested. Interview, think ahead, write down, and check again, all done. Slide 16 CALCULATE (Ignore DLA) Income now Applicable amount Incapacity Benefit 101.35 Tariff on Savings 11.00 Pensioner Single 145.40 Total 112.35 Total 145.40 ANY CLAIMS? NEW CLAIMS? Slide 17 RE-CALCULATE (Ignore DLA) Income now Applicable amount Incapacity 101.35 Pensioner Single 145.40 Tariff on savings 11.00 Pension Credit 33.05 Total 145.40 Total 145.40 Slide 18 Claims: Pension Credit due 33.05 weekly (145.40 - 101.35 = 33.05 PC due) Arrears 13 x 33.05 = 429.65 (27/10/08 limited backdating to three months) Slide 19 Slide 20 Couple under 60: He has since August 2012 had Employment Support Allowance Contribution Based (CBESA) at 71.70 weekly and also has Disability Living Allowance at Middle Rate Care (53) and Low Rate Mobility (21), she has Carers Allowance at 59.75. They pay no rent or council tax. He has failed the ESA medical scoring nil points and is looking for help to appeal. Slide 21 Calculate (Ignore DLA) Income Now s Applicable Amount s ESA 71.70 Couple ESA 112.55 Carers Allowance 59.75 Carer Premium 33.30 Total 131.45 145.85 Any Claims? Slide 22 Re-Calculate (Ignore DLA) Income Now s Applicable Amount s ESA 71.70 Couple 112.55 Carers Allowance 59.75 Carer Premium 33.30 Means tested ESA 14.40 Total 145.85 145.85 ESA can be backdated 3 months Slide 23 He had in August 2012 the 4 week Working Tax Credit run on at over 100 weekly so at that time he was not due any means tested ESA Any other claims? He had in August 2012 the 4 week Working Tax Credit run on at over 100 weekly so at that time he was not due any means tested ESA Any other claims? Slide 24 What about her claiming Income Support? Re-Calculate (Ignore DLA) Income Now s Applicable Amount s ESA 71.70 Couple 112.55 Carers Allowance 59.75 Carer Premium 33.30 Disability Premium 44.20 Total 131.45 190.05 Income Support now due at 58.60 Means Tested ESA was due at 14.40 Slide 25 Slide 26 Couple: Both over 65, one has DLA at Middle Rate Care (53) and the other has Attendance Allowance at (79.15) weekly The AA has only recently been awarded Slide 27 Other incomes? Both have weekly Retirement Pensions at 157 & 98 They pay rent @ 6.50 weekly and Council Tax @ 2 weekly They live alone Interview, think ahead, write down, and Check again, all done Slide 28 Income now Applicable amount (Before AA) Income now Applicable amount (Before AA) Retirement Pension 157 Pensioner Couple 222.05 Retirement Pension 157 Pensioner Couple 222.05 Retirement Pension 98 Retirement Pension 98 Total 255 Total 222.05 Total 255 Total 222.05 Over 65 So Add full Savings Credit To HB/CTB 22.95 Over 65 So Add full Savings Credit To HB/CTB 22.95 (This is a HB & CTB figure only) (245) (This is a HB & CTB figure only) (245) Rent x 65% CT x 20% Excess Income 10.00 Rent x 65% CT x 20% Excess Income 10.00 Council Tax paid now 2 Rent paid now 6.50 Council Tax paid now 2 Rent paid now 6.50 CALCULATE (Ignore DLA & AA) Slide 29 ANY CLAIMS? NEW CLAIMS? Slide 30 Claim: Carers Allowance x 2 Pension Credit Backdated three months Slide 31 RE-CALCULATE (Ignore DLA & AA) Slide 32 Income now Applicable amount Retirement Pension 157 Pensioner Couple 222.05 222.05 Retirement Pension 98 98 Severe Disability Prem x 2 119 119 Carer Premium 33.30 33.30 Carer Premium 33.30 33.30 Total255407.65 Savings Credit Due in full @ 22.95 22.95 Rent paid now 00.00 Pension Credit Due 152.65 152.65 Council Tax paid now 00.00 (407.65 - 255 = 152.65) (407.65 - 255 = 152.65) Slide 33 Claims? Carers Allowance 59.75 x 2 (Underlying only) Backdated 13 weeks Carers Allowance 59.75 x 2 (Underlying only) Backdated 13 weeks Pension Credit GT On-Going @ 152.65 weekly Backdated 13 weeks @ 1,984.45 Pension Credit GT On-Going @ 152.65 weekly Backdated 13 weeks @ 1,984.45 Pension Savings Credit On-Going @ 22.95 Backdated 13 weeks @ 298.35 Pension Savings Credit On-Going @ 22.95 Backdated 13 weeks @ 298.35 Housing Benefit increase @ 6.50 weekly Backdated 13 weeks @ 84.50 Housing Benefit increase @ 6.50 weekly Backdated 13 weeks @ 84.50 Council Tax increase @ 2 weekly Backdated 13 weeks @ 26 Council Tax increase @ 2 weekly Backdated 13 weeks @ 26 184.10 weekly increase in income (PC/GT 152.65, PC/SC 22.95, Rent / HB 6.50, Council Tax 2) 184.10 weekly increase in income (PC/GT 152.65, PC/SC 22.95, Rent / HB 6.50, Council Tax 2) Arrears paid @ 2,393.30 Arrears paid @ 2,393.30 Slide 34 Carers Allowance will be awarded but not be PAID, due to the Retirement Pensions of a higher value, however underlying entitlement will give the Carer/s Premiums x 2 (33.30) within their applicable amount so additional PC will be due Rent & Council Tax will be nil due to PC/GT Due to backdating Pension Credit client will get a refund of any Rent & Council Tax already paid for that time. SDP X 2 WILL STILL BE PAID AS UNDERLYING CARERS DOES NOT STOP IT Slide 35 Slide 36 Couple with 2 children under 10 Husband works 18 hours at 130 weekly Partner has no income at all, but she recently got awarded DLA at Low Care (21) and Low Mobility (21) They also have Child Tax Credit at 110 and Child Benefit at 33.70 Slide 37 They had until April 2012 working tax credit at 70 weekly but due to the 24 hour rule this was stopped. They have a mortgage and are struggling to pay the bills etc. They already get full Council Tax Benefit What if any claims are available to them? Slide 38 What about her claiming means tested ESA if she can get a sick line? Calculate (Ignore DLA) Income Now s Applicable Amount s Wages 130 Couple 112.55 Earnings Disregard 20 Total 130 132.55 ESA due 2.55 not a lot to help with the mortgage Anything else? Slide 39 Now that she has the DLA she is classed as disabled for Working Tax Credit purposes so they are now due Working Tax Credit even although he only works 18 hours, this worth at about 70 weekly. That will help with the mortgage Slide 40 Slide 41 Couple with one disabled child under 16, the child recently got the DLA at Middle Rate Care She works 22 hours earning 180 weekly. Slide 42 They also have Child Benefit at 20.30 and Child Tax Credit at 65 weekly. No Working Tax Credit paid since April 2012 due to the 24 hour rule. Any other claims? Slide 43 The Child Tax Credit at 65 weekly is very low for a disabled child? Suggesting that they have failed to tell Tax Credits that the child now has DLA? This DLA award will increase the Child Tax Credits by about 58 weekly, backdating is now limited to one month. Anything else? Slide 44 He can now claim and backdate a Carers Allowance claim worth 59.75 weekly for him looking after the disabled child As he is now a Carer, she only has to work 16+ hours now (Rather than the previous 24 hours) to allow Working Tax Credit to be paid at about 70 weekly He can now claim and backdate a Carers Allowance claim worth 59.75 weekly for him looking after the disabled child As he is now a Carer, she only has to work 16+ hours now (Rather than the previous 24 hours) to allow Working Tax Credit to be paid at about 70 weekly Slide 45 Slide 46 Single person aged 48 who was working full time but is now off work sick. She is getting paid basic Statutory Sick Pay (SSP) at 86.70 weekly, she also has Working Tax Credits at 12 weekly and DLA at Low Rate Mobility. Any other claims? Slide 47 What about Income Support? Calculate (Ignore DLA) Income Now s Applicable Amount s SSP 86.70 Single 71.70 Working Tax 12 Disability Prem 31 No Disregard ? Total 98.70 102.70 Income Support due 4 weekly Slide 48 SSP allows an Income Support claim if your income/s are below your applicable amount. Although HB & CTB count SSP as earnings and allow an earnings disregard IS counts it as other income with no earning disregard allowed. Slide 49 Slide 50 This man has been working part time for the last 4 years earning just 140 weekly for his 16 hours worked. He has now turned 60 and is asking you about him claiming Pension Credit? He lives with his brother who owns the house. Any claims? Slide 51 Pension Credit is not available at this time unless you are over 61.5 so that is not an option. What about Working Tax Credit? People aged over 60 can now get WTC if they work over 16+ hours and their income / earnings are low enough? He should get about 37 weekly Slide 52 Slide 53 This couple are both under 60 She works full time earning 400 weekly Hi