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Permanent Ill health insurance payments
- Ray Crorken
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3 months 23 hours ago #298345 by Ray Crorken
Permanent Ill health insurance payments was created by Ray Crorken
Can somebody please help clarify my understanding of these payments to replace income for inability to work as to how they affect entitlement to ESA, Tax Credits and Universal Credit.
Am I correct that:
ESA income related.
These payments are included as income.
Contribution based ESA
These payments are included as income if over 50% of the premiums were paid by the employer.
These payments are not included as income if over 50% of the premiums were paid by the individual.
Tax Credits.
Same as contribution based ESA
Universal Credit
All of such payments are considered as income, regardless of who paid the premium and will reduce any UC award by £1 for each £1.
Thanks for your comments.
Am I correct that:
ESA income related.
These payments are included as income.
Contribution based ESA
These payments are included as income if over 50% of the premiums were paid by the employer.
These payments are not included as income if over 50% of the premiums were paid by the individual.
Tax Credits.
Same as contribution based ESA
Universal Credit
All of such payments are considered as income, regardless of who paid the premium and will reduce any UC award by £1 for each £1.
Thanks for your comments.
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- Gary
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2 months 4 weeks ago #298431 by Gary
Nothing on this board constitutes legal advice - always consult a professional about specific problems
Replied by Gary on topic Permanent Ill health insurance payments
Hi Ray
Your question is outside the remit of the forum. You do need to seek advice from your local Welfare Rights Organisation; advicelocal.uk, they will be able to take all your circumstances into consideration.
I would say your understanding is correct, but I am not sure about your first paragraph under Contribution based ESA. The second paragraph is correct.
Gary
Your question is outside the remit of the forum. You do need to seek advice from your local Welfare Rights Organisation; advicelocal.uk, they will be able to take all your circumstances into consideration.
I would say your understanding is correct, but I am not sure about your first paragraph under Contribution based ESA. The second paragraph is correct.
Gary
Nothing on this board constitutes legal advice - always consult a professional about specific problems
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- Ray Crorken
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2 months 4 weeks ago #298446 by Ray Crorken
Replied by Ray Crorken on topic Permanent Ill health insurance payments
Many thanks
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