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Effective Income Maximisation Techniques in Welfare Rights Training 2016

Learn how to maximize clients' income through expert fact-finding and advice, leading to increased weekly income. Enhance your skills today!

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Effective Income Maximisation Techniques in Welfare Rights Training 2016

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  1. Welfare Rights Training 2016

  2. A claimant under pension age could be claiming?Income SupportJobseekers AllowanceEmployment Support AllowanceIncapacity BenefitSevere Disablement AllowanceUniversal Credit

  3. Which one would give them the most income?

  4. Would you be able to tell themwhich one to claim?

  5. By the end of today you should be able to tell them!

  6. 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.

  7. INCOME MAXIMISATION How do you do this?

  8. Interview and listen carefully

  9. Think ahead

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

  11. Check this information again at the end

  12. Calculate existing entitlements using the above information

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

  14. Identify any possible new claims due

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

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

  17. Clearly explain to the client what will or will not happen

  18. The following are normal • He is 63, has CB-ESA at £109.30 and Low rate DLA Care at £21.80, he claims no HB & CT Benefit as refused earlier due to excess savings. So pays full Rent at £72 weekly and Council Tax at £14 weekly he has savings at £21,400. Benefit check requested. Interview, think ahead, write down, and check again, all done.

  19. CALCULATE (Ignore DLA)Income now £ Employment Support 109.30 Savings £21,400Savings limit £16,000 for HB – CTB – IB/ESA ANY CLAIMS? NEW CLAIMS?

  20. CALCULATE (Ignore DLA) Income now £ Applicable amount £ ESA 109.30 Tariff on Savings 23.00 Pensioner Single 155.60 Total 132.30 Total 155.60 ANY CLAIMS? NEW CLAIMS?

  21. RE-CALCULATE (Ignore DLA) Income now £ Applicable amount £ ESA 109.30 Pensioner Single 155.60 Tariff on savings 23.00 Pension Credit 23.30 Total 155.60 Total 155.60

  22. Claims: Pension Credit due £23.30 weekly (£155.60 - £132.30 = £23.30 PC due) Arrears 13 x £23.30 = £302.90 (27/10/08 limited backdating to three months)

  23. HB now due in full £72 weekly (Arrears £936)CT now due in full £14 weekly (Arrears £182)(Backdating limited to three months)

  24. Couple under 60:He has since August 2015 had Employment Support Allowance Contribution Based (CBESA) at £73.10 weekly and also has Disability Living Allowance at Middle Rate Care (£55.10) and Low Rate Mobility (£21.80), she has Carers Allowance at £62.10. They pay no rent or council tax.He has failed the ESA medical scoring nil points and is looking for help to appeal.

  25. Calculate (Ignore DLA)Income Now £’s Applicable Amount £’sESA (CB) 73.10 Couple ESA 114.85Carers Allowance 62.10 Carer Premium 34.60Total 135.20 149.85Any Claims?

  26. Re-Calculate (Ignore DLA)Income Now £’s Applicable Amount £’sESA (CB) 73.10 Couple 114.85Carers Allowance 62.10 Carer Premium 34.60Means tested ESA 14.25Total 149.45 149.45ESA can be backdated 3 months

  27. He had in August 2015 the 4 week Working Tax Credit run on at over £100 weekly so at that time he was not due any means tested ESAAny other claims?

  28. What about her claiming Income Support? Re-Calculate (Ignore DLA)Income Now £’s Applicable Amount £’sESA (CB) 73.10 Couple 114.85Carers Allowance 62.10 Carer Premium 34.60 Disability Premium 45.95Total 135.20 195.40Income Support now due at £60.20Means Tested ESA was due at £14.65

  29. Couple: Both over 65, one has DLA at Middle Rate Care (£55.10) and the other has Attendance Allowance at (£82.30) weekly The AA has only recently been awarded

  30. Other incomes? Both have weekly Retirement Pensions at £164 & £98.30 They pay rent @ £6.50 weekly and Council Tax @ £2 weekly They live alone Interview, think ahead, write down, and Check again, all done

  31. CALCULATE (Ignore DLA & AA) Income now £ Applicable amount (Before AA) £ Retirement Pension 164 Pensioner Couple 237.55 Retirement Pension 98.30 Total 262.30 Total 237.55 Over 65 So Add full Savings Credit To HB/CTB 14.75 (This is a HB & CTB figure only) (252.30) Rent x 65% CT x 20% Excess Income 10.00 Council Tax paid now £2 Rent paid now £6.50

  32. ANY CLAIMS? NEW CLAIMS?

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

  34. RE-CALCULATE (Ignore DLA & AA)

  35. Claims? • Carers Allowance £62.10 x 2 (Underlying only) Backdated 13 weeks • Pension Credit GT On-Going @ £168.15 weekly Backdated 13 weeks @ £2,185.95 • Pension Savings Credit On-Going @ £14.75 Backdated 13 weeks @ £191.75 • Housing Benefit increase @ £6.50 weekly Backdated 13 weeks @ £84.50 • Council Tax increase @ £2 weekly Backdated 13 weeks @ £26 • £191.40 weekly increase in income (PC/GT £168.15, PC/SC £14.75, Rent / HB £6.50, Council Tax £2) • Arrears paid @ £2,488.20

  36. 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 (£34.60) 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

  37. Couple with 2 children under 10Husband works 17 hours at £133 weeklyPartner has no income at all, she recently got awarded DLA Low Care (£21.80) They also have Child Tax Credit at £115 and Child Benefit at £34.40

  38. They had until April 2012 working tax credit at £70 weekly but due to the 24 hour couple rule this was stopped.They have a mortgage at £50 weekly and are struggling to pay the household bills etc.They already get full Council Tax BenefitWhat if any claims are available to them?

  39. What about her claiming means tested ESA if she can get a sick line?Calculate (Ignore DLA)Income Now £’s Applicable Amount £’s Wages 133 Couple 114.85 Earnings Disregard 20Total 133 134.85ESA due £1.85 not a lot to help with the mortgage Anything else?

  40. Jobseekers Allowance? Would give more help but she is unable to work due to sickness so this is not an option.

  41. 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 17 hours, this worth at about £70 weekly.That will help with the mortgage

  42. Couple with one disabled child under 16, the child recently got DLA at Middle Rate CareShe works 22 hours earning £180 weekly.

  43. They also have Child Benefit at £20.70 and Child Tax Credit at £65 weekly.No Working Tax Credit paid since April 2012 due to the 24 hour couple rule.Any other claims?

  44. 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 unless done quickly.Anything else?

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