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ESA (Income Related) and Savings 4 years 1 month ago #199440

Hi all, I am in receipt of ESA (Income Related) and am in the support group. BTW, thanks B&W for the guides, without them I don't think I would have received this level of ESA. My question is this. I am currently in receipt of housing and council tax benefit. My housing benefit is paid at the local shared rate (£54 p.w.) which is not typical of any property in my home area. This does not meet my rent by any means and so I end up spending money on rent that needs to spent elsewhere. My landlord is continually after rent rises which I cannot afford. I have moved far too often for my own good and it has had negative effects on both my physical and mental health. Now though, under the new pension arrangements, I have the opportunity to cash in my personal pension and will have enough money to buy somewhere to live. I won't have much in the way of savings left afterwards. I realise that my benefit payments will stop, but does my claim? If the claim continues, at what point can I restart my claim? Hope this makes sense. Thanks for your help again.

ESA (Income Related) and Savings 4 years 1 month ago #199457


We can't give detailed financial advice on the forum, you really need to get face to face advice before making a decision.

If your ESA does stop because you are over the savings limit, then it is just a suspension of payments and you claim remains open and payments can be restarted once you are under the £16,000 again.

Nothing on this board constitutes legal advice - always consult a professional about specific problems
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