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Welfare Rights Training 2010

Welfare Rights Training 2010. INCOME MAXIMISATION. What’s this all about? 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. INCOME MAXIMISATION.

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Welfare Rights Training 2010

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  1. Welfare Rights Training 2010

  2. INCOME MAXIMISATION • What’s this all about? • 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.

  3. INCOME MAXIMISATION How do you do this?

  4. Interview and listen carefully

  5. Think ahead

  6. Write down or record the facts / information given on a case record sheet

  7. Check this information again at the end

  8. Calculate existing entitlements using the above information

  9. Submit and backdate any and all existing claims identified at this first stage

  10. Identify any possible new claims due

  11. Re-calculate again as if these claims where awarded / paid

  12. Submit any and all claims that would become payable only if or when these new claims are paid / awarded

  13. Clearly explain to the client what will or will not happen If your unsure call your Help-Line on 0800 – 161 38 39

  14. The following are real cases • He is 62, has Incapacity Benefit at £91.40 and Low rate Care at £18.95, he claims 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.

  15. CALCULATE (Ignore DLA) Income now £ Applicable amount £ Incapacity Benefit 91.40 Tariff on Savings 11.00 Pensioner Single 132.60 Total 102.40 Total 132.60 ANY CLAIMS? NEW CLAIMS?

  16. RE-CALCULATE (Ignore DLA) Income now £ Applicable amount £ Incapacity Benefit 91.40 Pensioner Single 132.60 Tariff on savings 11.00 Pension Credit 30.20 Total 132.60 Total 132.60

  17. Claims: Pension Credit due £30.20 weekly (£132.60 - £102.40 = £30.20 PC due) Arrears 13 x £30.20 = £392.60 (27/10/08 limited backdating to three months)

  18. This man had been claiming HB & CTB for over two years when we advised him to claim and backdate a Pension Credit claim, all the above information had been given to HB & CTB many times on previous occasions. This failure lost him thousands

  19. Couple: Both over 65, one has DLA at Middle Rate Care (£47.80) and the other has Attendance Allowance (£71.40). The AA has only recently been awarded

  20. Other incomes? Both have Retirement Pensions at £150 & £90. They pay rent @ £6.83 weekly and Council Tax @ £2.10 weekly. They live alone Interview, think ahead, write down, and Check again, all done ?

  21. CALCULATE (Ignore DLA & AA) Income now £ Applicable amount (Before AA) £ Retirement Pension 150 Pensioner Couple 202.40 Retirement Pension 90 Total 240 Total 202.40 Over 65 So Add full Savings Credit To HB/CTB 27.10 (This is a HB CTB figure only) (229.50) Rent x 65% CT x 20% Excess Income 10.50 Council Tax paid now £2.10 Rent paid now £6.83

  22. ANY CLAIMS? NEW CLAIMS?

  23. Claim: Carers Allowance x 2 Pension Credit Backdated three months

  24. RE-CALCULATE (Ignore DLA & AA)

  25. Claims? • Carers Allowance £53.90 x 2 (Underlying only) backdated three months • Pension Credit GT On-Going @ £129.80 weekly Backdated 13 weeks @ £1,687.40 • Pension Savings Credit On-Going @ £27.10 Backdated 13 weeks @ £352.30 • Housing Benefit increase @ £6.83 weekly Backdated 13 weeks @ £88.79 • Council Tax increase @ £2.10 weekly Backdated 13 weeks @ £27.30 • £165.83 weekly increase in income (PC/GT £129.80, PC/SC £27.10, Rent / HB £6.83, Council Tax £2.10) • Arrears paid @ £2,155.79 (PC/GT £1,687.40, PC/SC £352.30, HB £88.79, CT £27.30)

  26. 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 (£30.05) 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

  27. Couple under 40:She has DLA at Middle Rate Care and Employment Support Allowance at £91.40 weekly. He is off work sick and has Statutory Sick Pay from work at £79.15 weekly. She claims HB & CTB and they pay rent at £14.20 and Council Tax at £4.37 both weekly.

  28. Income now £ Applicable amount £ Employment Support 91.40 Couple ESA Work Related 128.70 Statutory Sick Pay 79.15 SSP Disregard 20.00 Total 170.55 Total 148.70 Excess Income £21.85 (£170.55 - £148.70 = £21.85) Rent x 65% = £14.20 Council Tax x 20% + £4.37 Any claims?

  29. Can he claim Carers Allowance while on Statutory Sick Pay?

  30. Income now £ Applicable amount £ Employment Support 91.40 Couple ESA Work Related 128.70 Statutory Sick Pay 79.15 SSP Disregard 20.00 Carers Allowance 53.90 Carer Premium 30.05 Total 224.45 Total 178.75 Excess Income £45.70 (£224.45 - £178.75 = £45.70) Rent x 65% = £29.70 Council Tax x 20% = £9.14 Any claims?

  31. Swap the Housing Benefit claimants?

  32. Income now £ Applicable amount £ Employment Support 91.40 Couple 102.75 Statutory Sick Pay 79.15 SSP Disregard 20.00 Carers Allowance 53.90 Carer Premium 30.05 Disability Premium 39.85 Total 224.45 Total 192.65 Excess Income £31.80 (£224.45 - £192.65 = £31.80) Rent x 65% = £20.67 Council Tax x 20% = £6.36

  33. Asset rich cash poor • Remember the following paragraph from earlier? • “The assessed income period and change of circumstances” • If you are over the age of 65 you may be given a Pension Credit award that lasts for 5 years or longer. • This is known as the Assessed Income Period (AIP).

  34. Single: Aged 74 has Pension Credit Guarantee at £75.55 weekly and her basic Retirement Pension at £57.05 weekly giving a weekly total income of £132.60

  35. She owns her own house with no mortgage She has an AIP lasting until 2015 She feels the house is too big for her and has been finding the stairs difficult She has recently been allocated a rented sheltered property by the Council / Housing Association She pays no Rent or Council Tax as the old house is up for sale (Value is ignored while up for sale for 6 months or longer) Housing Benefit pays her rent in full @ £55 weekly direct to the Council / Housing Association Council Tax Benefit pays her Council Tax due at £16 weekly She has since sold her old house for £166,000

  36. How will having this new capital affect her On Going Pension Credit Guarantee claim? How will £166,000 in savings affect her Housing Benefit & Council Tax Benefit claims?

  37. END • Questions and Answers?

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