Housing inheritance query: advice needed

Hi,

I recently lost my mum. Been living with her for several years since my illness worsened. Feeling shattered by it all. Now it seems that I might also be losing my home.

Mum's estate is shared equally among her children. Some of the family are happy for me to continue living here but others , including the person who is sorting everything out, want to sell. Don't know what's going to happen and I would really appreciate some advice regarding benefits situation and home.

I receive ESA(IR) and PIP enhanced rate. Also have some disability premiums with ESA from legacy benefit switchover. Live in UC area. Haven't claimed HB as lived with family so considered as not paying rent or mortgage.

If place of residence is sold and I inherit value of share (but then don't have home) am I allowed to use that to buy somewhere else to live that is suitable for my needs? Or would it be considered as assets in terms of benefit claim? Is there anything in the system that allows people to ring fence money from sale of home for move to new home?

Don't know where I stand and am wondering what options are. Local housing association waiting list is years long. Thought maybe could try govt help to buy scheme but don't know if open to someone in my situation.
Do you know if it is allowed to borrow while on benefits eg take out mortgage?

If it's somehow possible for me to stay where I am living, eg buy out others, how would that affect benefits?

Entire situation is really worrying. Could you me some advice on what I need to do and benefits situation going forward? Any help gratefully received.

Many thanks.

Hi,

Is that 26 weeks disregard from receiving inheritance from sale of home? Do you know if I am still able to claim benefits during the time things are being sorted? (Thinking about council tax rebate eligibility during this period). Someone else is sorting estate so don't know when things will be finalised.

Could you tell me when do I notify dwp about intention to purchase home to live in? What paperwork does dwp require for this?

Would it be better if I was the one sorting out estate since I'm the person who's been living here with mum eg council tax ( plus hoping to be able to stay in home) ?
Thinking about asking family if I could maybe do this. Would I need to notify dwp if I was the one sorting out estate (Or is it simpler to let someone else do it?)

Thanks for the advice about mortgages. Wasn't sure if even an option. If i applied for SMI would that trigger claim for UC? Don't think I have the strength to do that right now.

Many thanks for your help.

Gordon wrote: QWERTY

I would expect it to apply from the day that you gain control of the money. You need to contact the DWP within 30 days although I would do it immediately.


Hi,

Just to check I've understood correctly, regarding contacting dwp, did you mean contact them just now or contact them immediately when I receive control of money?

Thanks.