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How will you be affected by the changes to benefits?

The UK Government have set a plan to make changes to the benefit system which became law through the Welfare Reform Act 2012.

 

Some of the changes have already happened and some others will take effect very soon. The changes will affect almost everyone and we feel it is important for our tenants to find out as much information as possible about the changes that may have an impact on you. The information on our website and as provided by our staff is as up to date as far as we know at the time of publishing.

 

However, we cannot rule out the possibility that some of the Government’s plans may change, we will try to keep tenants and other service users updated with any further important changes that may be announced.

 

Please see the list below of details of the expected changes to the different benefits. Please read carefully to see which changes are likely to affect you.

 

Housing Benefit ‘bedroom tax’

 

What does it mean?

The UK Government have introduced a new rule called the spare room subsidy (bedroom tax) which is a penalty for an ‘under-occupied’ household. This came into effect on 1st April 2013. This rule means that a number of our tenants will lose some of their Housing Benefit entitlement.

 

Who is affected?

If you (or your partner) are of working age (under pension credit age) and your rent method is either full or partial housing benefit the amount that is paid could be reduced if you have one or more bedrooms than you need, as set by the UK Government.

 

The reduction is 14% for one ‘spare’ bedroom and 25% for 2 or more ‘spare’ bedrooms. To find out more information and to find out if you may have a spare bedroom please click here.

 

When do the changes to Bedroom Tax Start?

The changes to bedroom tax started April 1st 2013.

 

Disability Living Allowance

 

What does it mean?

As part of the UK Government's Welfare Reform Cuts, Disability Living Allowance (DLA) for working age people is coming to an end.

 

Disability Living Allowance (DLA) has been fully replaced by Personal Independence Payment (PIP) for people aged 16 to 64 from 10 June 2013 for new claims only.

 

PIP includes an assessment of individual needs and aims to make sure financial support is targeted at those who face the greatest challenges to living independently. For more information please click here.

 

Who will it affect?

PIP is for people aged 16 to 64.  DLA remains for children up to the age of 16. From October 2013, the Department for Work and Pensions (DWP) will contact them as they approach 16 to explain what will happen.

 

When do the changes to DLA start?

New Claims - The changes to DLA started on 10th June 2013.

Existing Claims -The DWP have stated ‘From October 2013, anyone with a DLA award coming up for renewal, young people turning 16 or DLA claimants reporting a change in their health condition or disability, will be invited to claim PIP.  DWP will write to the remaining individuals at some point from October 2015 onwards to let them know when their DLA is due to end, and explain how they can make a claim to PIP.  All existing DLA claimants invited to claim PIP will be told what they need to do, and by when.

 

Universal Credit

From October 2013 the DWP plans to start introducing a new benefit called Universal Credit (UC). UC is intended eventually to replace all income related benefits and tax credits for people of working age, including Child tax credits, Housing Benefit, Income-related employment and support allowance, Income-based jobseekers allowance, Income support, Working tax credits.

 

We will continue to update you with new information on our website. Please note universal credits are expected to be paid into a bank account only. If you do not have a Bank Account, then you should ask for more information about this. There are a large range of bank accounts available and some may not be suitable for you. If you have been refused a bank account or think that you will have difficulty managing your money on a monthly basis please contact our Freephone number for advice 08000 46 38 12.

 

How can ng homes help?

We work in partnership with key organisations who offer services to our tenants who may need benefit and money advice, especially those who will have changes to their benefits based on the bedroom tax.  The services are:

 

Greater Easterhouse Money Advice Project (GEMAP)
GEMAP can offer free and confidential advice on all money matters including consumer debt e.g. Rent, Council Tax, Gas, Electricity and many more. We have a dedicated GEMAP advisor in each of our offices.  To make an appointment please call our receptions on 0141 560 6000 or 0141 336 1300

 

Scotcash
Scotcash offers affordable finance, money advice and can also set up a bank account for you. Scotcash’s loan officer is working full time from our offices. To make an appointment please call 0141 276 0525. 
Click here to see Scotcash’s Website.

 

Pollok Credit Union
Pollok Credit union provides a range of loans and savings products for its members. The Pollok Credit Union now have a branch in Possilpark at 264 Saracen Street, G22 5HJ. 
To join, visit the branch for more information or call 0141 880 7888. 
Click here to see Pollok Credit Union’s Website.

 

What is Bedroom Tax?

As of 1st April 2013, tenants of working age living in social housing and receiving Housing Benefit (HB) may be affected by changes to their benefits.  This new rule, set by the UK Government, will mean Housing Benefit will only provide support for the number of bedrooms that you need.

Please click here to see our bedroom tax leaflet which has case studies that you can refer to as well as key contact information.

 

Will this affect me?

If you receive HB the bedroom tax may apply to you. HB will only be paid for the bedrooms in your home that you need, as set by the UK Government.

 

The following rules will be used when working out whether you have a spare room:

One bedroom for a couple

One bedroom for a person aged 16 or over

One bedroom for 2 children (under 16) of the same sex

One bedroom for 2 children (under 10), boys and girls will be required to share

One further bedroom where a disabled person in the household needs an overnight carer

 

How will it affect me?

If you have 1 spare bedroom your Housing Benefit (HB) will be reduced by 14%, if you have 2 or more spare bedrooms your HB will be reduced by 25%. If the new rules apply to your household circumstances there will be a reduction in your current HB payments to your ng homes rent account. This reduction will apply to those who receive full or part HB. As a result of these new rules you will be responsible for ensuring the balance is paid in full to ng homes.

 

What is my next step?

The first thing you should do is contact ng homes on our free phone number below to see what options are available to you.

 

Call us on FREEPHONE 08000 46 38 12 to find out more about the bedroom tax.

 

Please note this number is a bedroom tax enquiry line only.  If you are calling about anything else you will be asked to phone our main switchboard number on  0141 560 6000.

 

How will you be affected by the changes to benefits in 2013? The UK Government have set a plan to make changes to the benefit system which will become law through the Welfare Reform Act 2012.

Some of the changes have already happened and some will others will take effect very soon. The changes will affect almost everyone and we feel it is important for our tenants to find out as much information as possible about the changes that may impact you. The information on our website and as provided by our staff is as up to date as far as we know at the time of publishing.

However, we cannot rule out the possibility that some of the Government’s plans may change, we will try to keep tenants and other service users updated with any further important changes that may be announced.

Please see the list below of details of the expected changes to the different benefits. Please read carefully to see which changes are likely to affect you.

Housing Benefit ‘bedroom tax’

What does it mean?
The UK Government have introduced a new rule called the bedroom tax is a penalty for an ‘under-occupied’ household. This came into effect on 1st April 2013. This rule means that a number of our tenants will lose some of their Housing Benefit entitlement.

Who is affected?
If you (or your partner) are of working age (under pension credit age) and your rent method is either full or partial housing benefit the amount that is paid could be reduced if you have one or more bedrooms than you need, as set by the UK Government.

The reduction is 14% for one ‘spare’ bedroom and 25% for 2 or more ‘spare’ bedrooms. To find out more information and to find out if you may have a spare bedroom please click here.

When does the changes to Bedroom Tax Start?
The changes to bedroom tax started April 1st 2013.

Disability Living Allowance

What does it mean?
As part of the UK Governments Welfare Reform Cuts, Disability Living Allowance (DLA) for working age people is coming to an end.

Disability Living Allowance (DLA) has been fully replaced by Personal Independence Payment (PIP) for people aged 16 to 64 from 10 June 2013 for new claims only.

PIP includes an assessment of individual needs and aims to make sure financial support is targeted at those who face the greatest challenges to living independently. For more information please see here.

Who will it affect?
PIP is or people aged 16 to 64, DLA remains for children up to the age of 16. From October 2013, the Department for Work and Pensions (DWP) will contact them as they approach 16 to explain what will happen

When does the changes to DLA start?

New Claims

The changes to DLA started on 10th June 2013.

Existing Claims
The DWP have stated ‘From October 2013, anyone with a DLA award coming up for renewal, young people turning 16 or DLA claimants reporting a change in their health condition or disability, will be invited to claim PIP.

DWP will write to the remaining individuals at some point from October 2015 onwards to let them know when their DLA is due to end, and explain how they can make a claim to PIP.

All existing DLA claimants invited to claim PIP will be told what they need to do, and by when.

Universal Credit
From October 2013 the DWP plans to start introducing a new benefit called Universal Credit (UC). UC is intended eventually to replace all income related benefits and tax credits for people of working age, including Child tax credits, Housing Benefit, Income-related employment and support allowance, Income-based jobseekers allowance, Income support, Working tax credits.

We will continue to update you with new information on our website. Please note universal credits are expected to be paid into a bank account only. If you do not have a Bank Account, then you should ask for more information about this. There are a large range of bank accounts available and some may not be suitable for you. If you have been refused a bank account or think that you will have difficulty managing your money on a monthly basis please contact our Freephone number for advice 08000 46 38 12.

How can ng homes help?
We work in partnership with key organisations who offer services to our tenants who may need benefit and money advice, especially those who will have changes to their benefits based on the bedroom tax.

The services are:

GEMAP
GEMAP can offer free and confidential advice on all money matters including consumer debt e.g. Rent, Council Tax, Gas, Electricity and many more. We have a dedicated GEMAP advisor in each of our offices.

To make an appointment please call our receptions on 0141 560 6000 or 0141 336 1300

Scotcash
Scotcash offers affordable finance, money advice and can also set up a bank account for you. Scotcash’s loan officer is working full time from our offices. To make an appointment please call 0141 276 0525.

Click here to see Scotcash’s Website.

Pollok Credit Union
Pollok Credit union provides a range of loans and savings products for its members. The Pollok Credit Union now have a branch beside our Possilpark Office, 264 Saracen Street, G22 5HJ.

To join, visit the branch for more information or call 0141 880 7888.

Click here to see Pollok Credit Union’s Website.

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