Your question is quite difficult to answer as we do not have all the facts.
When you receive your benefits they are not classed as capital for the period over which they are paid, some examples of this are Carers Allowance which is paid weekly, ESA is fortnightly and PIP is four weekly.
Once this period has elapsed, any benefit that has not been spent becomes capital and counts against your total.
If you have more than £6k in savings and you are below SP age then you will be affected by tariff income, some claimants use some of their savings to pay for their funeral plan.
Gary
Nothing on this board constitutes legal advice - always consult a professional about specific problems
