Frequently asked questions
Can I challenge a decision about my benefits?
Most decisions about benefits have a right of appeal. When you appeal a process begins which starts with the agency reconsidering its own decision. At this stage the decision can be changed completely or partly in your favour or can stay the same. If the decision stays the same and you are still not happy with it the case will be passed to the Tribunals Service for an independent Tribunal to consider whether the decision was correct. Before the hearing it is important to send in evidence to support your case, you can also go along to the hearing to argue your case in person. The Tribunal will then make a decision. If you are still unhappy with the decision there might be other steps you can take. Benefit appeals can be very complicated and we think it is a good idea that you seek advice regarding the whole process.
Do I have to have children to be able to claim Tax Credits?
No. As long as you’re 25 or over and work 30 hours or more per week you might be able to claim Working Tax Credit depending on the amount of your earnings. If you have a partner you may be able to claim if at least one of you is over 25 and works more than 30 hours per week. Additionally if you are over 50 and returning to work you may also qualify even if your circumstances are different.
How can I pay my mortgage when I’m on benefits?
The Department for Work & Pensions (DWP) can help with payments towards your mortgage. Waiting periods apply and you can only get help with a percentage of the mortgage interest. It is important to seek advice so you do not miss out on this financial help.
Can I reduce the amount of money being taken off my benefits?
There are many reasons why money might be taken off your benefits, for example to repay fines, Council Tax arrears, Social Fund loans or overpayments of benefit. The Jobcentre has discretion to reduce some of these payments if you are suffering financial hardship.
Can I claim benefits if my partner works?
Not all benefits are means-tested, so your partner’s earnings would not be taken into account with these. Most of these benefits are based on your recent National Insurance Contribution record so it is important to claim early to secure your entitlement if you have recently come out of work.
How can I pay for large one-off expenses when I’m on benefits?
Most benefit claimants have access to the Social Fund which caters for one-off expenses. A couple of examples might be to replace household items or to pay rent in advance for private accommodation. The Jobcentre can offer an interest free loan which is repaid by deductions from your benefits. Alternatively if you meet the very specific conditions you may be entitled to a grant which does not have to be paid back. Sometimes grants are also available for certain travelling expenses.
