Elite - How to Maximise Benefits with a Job

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How to Maximise Benefits with a Job

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Andrea Wayman Director ELITE Supported Employment Agency

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Daniel is 17, he is still at school and receives Disability Living Allowance of £18.95 for his mobility and Disability Living Allowance of £49.85 for his care needs. Daniel wants a job. Case Study 1a

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Daniel is supported to find a Saturday job of 3 hours which pays him £18. As his care needs and mobility needs have not changed he has been able to keep all of his Disability Living Allowance. Case Study 1b

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Miss H lives at home with her mother and has attended the local Day Centre since leaving school. Her benefits are as follows: Incapacity Benefit £91.40 Disability Living Allowance (Care) Middle Rate £47.80 Disability Living Allowance (Mobility) £49.85 Total = £189.05 Case Study 2a

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Miss H is offered a 12 hour catering job earning £6.00 per hour. ELITE support her and she accepts the job under supported permitted work. Her new income is: Incapacity Benefit £91.40 Disability Living Allowance (Care) Middle Rate £47.80 Disability Living Allowance (Mobility) £49.85 Earnings £72.00 Total = £261.05 Miss H is £72 per week better off and is allowed to keep all of this money under the earnings limit of £93. If she was also receiving Income Support only an amount of £20 would have been disregarded. Miss H is offered a 20 hour post. Would it be beneficial to her? Would she lose all her benefits: Incapacity Benefit £0 Disability Living Allowance (Care) Middle Rate £47.80 Disability Living Allowance (Mobility) £49.85 Earnings £118.90 Tax Credits £86.24 Total = £302.79 Case Study 2b Case Study 2c

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Mr W lives in his own flat and attends the local Day Centre. His benefits are as follows: Incapacity Benefit £91.40 Income Support £2.05 Disability Living Allowance £18.95 Housing Benefit £40.00 Total = £152.40 Could this person take up employment? Case Study 3a

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Mr W is offered a 3 hour job earning £5.80 per hour. ELITE support him and he is able to accept this job under supported permitted work. His new income is: Incapacity Benefit £91.40 Income Support £2.05 Disability Living Allowance £18.95 Housing Benefit £40.00 Earnings £17.40 Total = £169.80 As the Benefit Agency allow a £20 disregard, Mr W is £17.40 per week better off Mr W manages his 3 hour job very well and after 12 months employment he is offered a 25 hour job. Can he take it? What benefits would he lose? Incapacity Benefit £0 Income Support £0 Disability Living Allowance £18.95 Housing Benefit £0 Earnings £136.99 Tax Credits £86.24 Total = £242.18 Mr W also has the opportunity of a 10 hour job. Would this be beneficial to him? Incapacity Benefit £91.40 Income Support £0 Disability Living Allowance £18.95 Housing Benefit £16.63 Earnings £58.00 Total = £184.98 Case Study 3b Case Study 3c Case Study 3d

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Miss L is 45. She lives in her own flat as a tenant within supported housing. Housing costs £110.00 per week. Her benefits are as follows: Severe Disablement Allowance £74.45 Income Support £86.30 Disability Living Allowance (Higher Care) £71.40 Disability Living Allowance (Mobility) £49.85 Housing Benefit £110.00 Total = £392.00 Case Study 4a

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She gains a 6 hour job at £5.80 per hour under supported permitted work. Her income changes to: Severe Disablement Allowance £74.45 Income Support £71.50 Disability Living Allowance (Higher Care) £71.40 Disability Living Allowance (Mobility) £49.85 Housing Benefit £110.00 Earnings £34.80 Total = £412.00 Case Study 4b

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She is offered a 12 hour job. The effect this would have on her income is as follows: Severe Disablement Allowance £74.45 Income Support £36.70 Disability Living Allowance (Higher Care) £71.40 Disability Living Allowance (Mobility) £49.85 Housing Benefit £110.00 Earnings £69.00 Total = £412.00 Case Study 4c

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On 27 October 2008 a new benefit the Employment Support Allowance replaced Incapacity Benefit for new claimants. By 2014 all SDA or Incapacity claimants will be transferred to this benefit.

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Mr J lives at home and receives ESA (contributory) of £91.40 per week. He is in the Work Activity Group for ESA. He also receives DLA (mobility) of £18.95 per week. His total income is: ESA £91.40 Income Support £2.05 Disability Living Allowance (Mobility) £18.95 Total = £112.40 Case Study 5a

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Mr J decides to take a part-time job of 10 hours per week paid at £6.25 per hour. His new income is: ESA £91.40 Income Support £0.00 Disability Living Allowance (Mobility) £18.95 Earnings £62.50 Total = £172.85 He can earn up to £93 per week under supported permitted work Case Study 5b

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14 Hour Job ESA £91.40 Disability Living Allowance (Mobility) £18.95 Housing Benefit £0.00 Earnings £87.50 Total = £197.85 Case Study 5c 16 Hour Job ESA £0.00 Disability Living Allowance (Mobility) £18.95 Housing Benefit £2.69 Earnings £100.00 Tax Credits £86.24 Total = £207.88 Mr J then moves out of home and his rent is £50 per week. He is offered a 14 hour job and a 16 hour job. The effect on his benefits are:

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ESA £0.00 Disability Living Allowance (Mobility) £18.95 Disability Living Allowance (Care) £47.80 Housing Benefit £37.56 Earnings £100.00 Tax Credits £86.24 Total = £290.55 Case Study 5d Mr J has care needs and applies for DLA care. It is awarded at the middle rate of care at £47.80 per week. This changes his income and housing benefit if he took the 16 hour job:

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General Questions?