Hello,
Wonder if anyone can advise on the 2013 regulations.
I was recently widowed. My Husband was killed by a driver who has pleaded guilty to death by dangerous driving and a variety of other charges. I'm disabled and am self employed.
So, I receive DLA, child benefit, tax credits (inc disabled worker element) and widowed parents allowance.
My house is mortgaged but after DH died I realised that we had no mortgage protection. It was built into the endowment which Hubby cashed in November as it was not doing much. He was due to begin a much higher paid job 2 weeks before he died and was about to change mortgage to a repayment version and have life insurance.
I'm not making any mortgage payments at the moment. My solicitor is putting together an accident claim against the offenders insurance and the company are very happy to make an interim payment. I need some adaptations to my home to accommodate my disability(applied to social services but they realise that I will receive "compensation" so it's been refused), some repairs done on the property etc.My solicitor has put together a proposal to the insurance company for an amount to be paid as an interim payment. My problem however, is that I will not be immediately spending some of the money, even though it is "earmarked" for essential building work. How much can I have as savings before I lose the above benefits, please? I know DLA and CB are not means tested.
I'd like to say that I feel really upset that I'm making this claim, it feels like "making money" out of DH death but I can't manage without his wage. Had he survived but had been left severely disabled I would have fought hard to get every penny to enable him to have a best life as possible.
Wonder if anyone can advise on the 2013 regulations.
I was recently widowed. My Husband was killed by a driver who has pleaded guilty to death by dangerous driving and a variety of other charges. I'm disabled and am self employed.
So, I receive DLA, child benefit, tax credits (inc disabled worker element) and widowed parents allowance.
My house is mortgaged but after DH died I realised that we had no mortgage protection. It was built into the endowment which Hubby cashed in November as it was not doing much. He was due to begin a much higher paid job 2 weeks before he died and was about to change mortgage to a repayment version and have life insurance.
I'm not making any mortgage payments at the moment. My solicitor is putting together an accident claim against the offenders insurance and the company are very happy to make an interim payment. I need some adaptations to my home to accommodate my disability(applied to social services but they realise that I will receive "compensation" so it's been refused), some repairs done on the property etc.My solicitor has put together a proposal to the insurance company for an amount to be paid as an interim payment. My problem however, is that I will not be immediately spending some of the money, even though it is "earmarked" for essential building work. How much can I have as savings before I lose the above benefits, please? I know DLA and CB are not means tested.
I'd like to say that I feel really upset that I'm making this claim, it feels like "making money" out of DH death but I can't manage without his wage. Had he survived but had been left severely disabled I would have fought hard to get every penny to enable him to have a best life as possible.