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Government Benefits For Those On Low Incomes
ne of a series examining disabled or caring for someone.
the different types of People on income support also
government benefits, this qualify for free NHS dentistry
guide looks at some of the and prescriptions, as well as
options available to assist those housing and council tax benefit.
who’re on a low income and are You can claim online or in person
struggling to support themselves at a jobcentre plus, and as part
or their families. of the application process you’ll
have an interview with a personal
Income support – this is a adviser who’ll review your
means-based allowance for those financial situation with you.
who are unable to work full time
and have a low income, or who can Working tax credits – again
only work less than 16 hours per designed to support working
week. It can be very helpful for families or individuals on a low
people who have children or who income, this benefit is suitable
look after an elderly or disabled for people who work at least 16
person, or who are ill or hours per week and have
disabled. Again, you won’t dependants to support, or people
qualify if you have more than who have no children but who work
£16,000 of savings. There are over 30 hours per week in a
lots of different factors that low-paid job. Some of the factors
will be taken into consideration that will be taken into
in order to determine your consideration when calculating
eligibility for income support, how much you’ll receive in
including your age, your income, working tax credits are your
your savings, your dependants, income, the number of hours you
whether you have a partner, your work, whether you live with a
partner’s income, your partner’s partner, the number of children
savings, and whether you’re you have, how much you spend on
childcare, whether you’re Housing benefit – housing
entitled to any other benefits, benefit, paid by local councils,
or whether you’re disabled. It’s assists those who’re unable to
managed by Her Majesty’s Revenue pay their rent. You can claim
and Customs (HMRC), who’ll pay it this whether you’re a council
directly into your bank account. tenant or live in a privately
To claim, either phone your rented property. You’ll only
nearest HMRC office or pop into qualify if you’re on a low income
your local jobcentre plus. with less than £16,000 of
savings, aren’t a full-time
Council tax benefit – you’ll be student and don’t live with a
eligible to receive council tax close relative. If you’re living
benefit (up to 100% reduction in in a council property you’ll
your council tax bill) if you’re receive housing benefit directly
on a low income and have less into your rent account from your
than £16,000 in savings. If you local council. If you’re in
don’t qualify to receive it, you privately rented premises, the
may still be eligible to receive council will investigate whether
a ‘second adult rebate’, giving the rent amount asked for the
money off your council tax bill property is acceptable for its
in circumstances where you share size and location and for the
your home with another adult who size of your family in order to
isn’t your partner and who determine your eligibility. If
doesn’t pay council tax or is on you do qualify, you’ll either
a low income. If you claim income receive a cheque or direct
support or jobseeker’s allowance, payment into your bank account,
you’ll be given a form for or your landlord will be paid
claiming council tax benefit. directly.
About the Author:
Benedict Rohan Website: http://www.mortgagenation.co.uk
Benedict Rohan works as a freelance finance writer. Commercial Mortgage
Read more articles by: Benedict Rohan
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