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Working Tax Credits question.

I've heard about WTCs but don't know anything about them. If I get a minimum wage job (about all I can get with my lack of experience) I won't be able to cover our rent and living expenses. We're better off on benefits but it's still a struggle. We're always budgeting to about £5 a day to feed 3 adults and a dog.

We are myself, my partner and her autistic adult daughter who cannot work and needs caring for so out of 3 adults only 1 out of 2 of us can work - someone has to stay at home to hold the fort.

So, say I get a job that pays the new minimum wage (£7.20?). Would WTCs bring it up to something more realistic? And how long does it take to set up?
 
i am a bit fuzzy on tax credits (i did housing benefit work quite a while back) but in theory, you should always be no worse off by working.

although in practice it can depend on cost of travel to work.

housing benefit and council tax reduction are not 'all or nothing' - it's calculated on household circumstances, rent, income. you should never be worse off overall if your income (from any combination of wages & benefits) goes up.

i presume you (as in collectively) are getting the right benefits for partner's daughter and carers allowance if partner is full time carer? getting one / both will mean you can keep more of wages before its deducted from housing benefit.

i'm on the move and with a not very smart phone so posting links is not easy. suggest search turn2us benefits calculator and have a play - bung in what wages would likely be.

could be that with adult dependent your situation is not catered for, but give it a try.

regret that the social security system fails to recognise multi species households, so can't claim for doggy :(
 
Thank you, Puddy_Tat. :)

Daughter was statemented at age 5 but is now 21 and is on the loooooong waiting list to be statemented again so we can get help with her. At the moment we get nothing. :-(
 
OOps meant to say that if you are not entitled to child-tax-credits as I originally was not you might well find that WTC doesn't take you far.Puddy Tat is probably on the right track as usual with the Carer's allowance suggestion.
 
Thank you, Puddy_Tat. :)

Daughter was statemented at age 5 but is now 21 and is on the loooooong waiting list to be statemented again so we can get help with her. At the moment we get nothing. :-(

that does not seem right - surely ESA if nothing else.

will talk to someone who knows more about this sort of thing than i do (unless someone more knowledgeable than me gets here first)
 
that does not seem right - surely ESA if nothing else.

will talk to someone who knows more about this sort of thing than i do (unless someone more knowledgeable than me gets here first)

Thank you Puddy_Tat, that would be very kind of you and very helpful. :)
 
can't get hold of the person i want to this evening and I may well be on the move for the next day or two.

i'm treading outside my area of not-even-expertise, here, but i don't think there's a need to go through any sort of 'statementing' process to get DWP benefits.

there may be some form of assessment needed to get help from local social services, either in terms of direct help, or financial assistance towards care needs and so on.

the two are different.

there are DWP benefits for people who are, through disability or health condition, not capable of working or seeking work. For an adult of working age, the principal two would be Employment and Support Allowance (the name is fairly typical DWP bullshit - it replaced what was called incapacity benefit, which in turn replaced invalidity benefit) and the other is Personal Independence Payment (this has replaced Disability Living Allowance, which aimed to cover something of the additional costs of either care or mobility needed by disabled people.)

ESA tends to involve filling in a fairly lengthy form (or a carer filling it in for you) - while it can appear quite daunting, the form (ESA 50) is designed to cover almost any possible sort of situation from mental health difficulties to having a limb or two missing and all points between, so it's inevitable that some of the questions won't be relevant to everyone. It also tends to involve some sort of assessment with a 'health professional' employed by some bunch of private sector twunts contracted to the DWP.

There is a long running thread about this here (ATOS were the main contractors for this) which is a good source of support and info.

Quite how PIP works, I'm not entirely sure.

I'd say that getting partner's daughter on to some form of benefits is a first step.

Caring for someone who is on one of specific benefits is then a qualifier for someone claiming Carers Allowance (think caring has to be 35 hours a week or more).

This then qualifies you for getting a 'carer premium' in any housing benefit calculation - which means the amount of money your household is considered to need before you start being expected to pay anything towards your rent, increases. (if at the moment, you're getting your full rent paid, it's not really an issue, but will be if you start work.)

It can be balls-aching. (or insert suitably gendered / non gendered equivalent if you'd prefer)

It can involve appealing against stupid bloody decisions by the DWP (I think at one point a pretty high proportion of ESA claims were getting refused after the 'medical' then being allowed on appeal - although that only helped people who had the energy and / or support to make an appeal, and people who managed not to die of their health problem before the appeal came through.)

But there is support out there - and not only on here.

Take it one step at a time, and in the words of norman stanley fletcher, don't let the bastards grind you down.

This (national autistic society) page may be a good starting point, if i'm not stating the bleeding obvious. They also have a telephone advice line. They may be better for the specifics here than a generalist service like Citizens Advice.

This is Turn2Us who I mentioned earlier.

Benefits and Work are also good - some of their stuff is open access, some does require a modest subscription.

Again, don't try and digest the whole darn lot in one go...
 
Carers Allowance is reliant on the person who is being looked after getting middle or higher rate DLA, Attendance Allowance (over 65s only) or PIP (this has superseded DLA). If you don't get the right level of DLA, PIP, or AA, CA is not paid.
 
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Wow, lots of advice and pointers there, especially from Puddy_Tat, to whom I am very grateful. I'll show this to my other half who does all the money and benefits stuff and see what we can find / do. Many thanks, PT, we'll let you know how it goes :)
 
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