Hi all,
This is a bit of a confusing one, but I could really do with some advise!
I'm married with two young children, and we currently claim Housing Benefit, Child Tax, Working Tax and Child Benefit as a family. Up till November 2015, I was working full time and, after a significant promotion I received at work, we were very slowly working our way towards being 'benefit free'. My wife and I are foster parents to our eldest child who is 4, and my youngest was born a month ago.
Unfortunately, things took a nose dive when I had to leave my job 2 months ago, and I was diagnosed with two significant mental health conditions. Consequently I've been signed off work and, whilst our benefits are keeping us in a moderately stable position financially, my wife and I don't really like claiming benefits, but are forced to to allow us to be financially solvent. I'm sort of old fashioned with benefits as a dad; I believe if we have a second child I should be working harder to provide for both our children rather than just claiming extra benefit- you get the idea. Sadly neither of us can work at the moment, which is frustrating for us both- I used to be the 'breadwinner' for the family, but now I can't earn a penny.
I'm on the cusp of applying for PIP, but am scared about doing so. It seems that all I read about PIP is negative, and it seems it's great when you finally get it, but I don't want our family dragged through the mud in applying for it. Can anyone give me some advice about what it's like to apply with a mental health condition? I have Bipolar Disorder, and it is serious enough that I'm bed bound and unable to leave the house for about 2-3 months of the year. Whilst I am on medication which makes it more bearable, most days I struggle to do anything more than play with my son after school and help my wife with our newborn. Stories of mental health PIP claims are welcomed.
Also, I'm thinking of studying full time at University later this year if I'm well enough and more stable- does anyone know what benefits we can and can't get as a full time student with a family? It's been suggested to me by my doctor that doing a degree would be considerably less stressful for me during my recovery, and would mean greater earning capacity when I'm better a few years down the line. It's become a goal of mine to go back to Uni, but I am worried it might financially cripple us!
Thanks everyone!