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Your rights and benefits THE DISCRETIONARY SOCIAL FUND What is it? The discretionary social fund provides grants and interest-free loans for needs that are difficult for people to meet out of their weekly benefits or regular income. What are they and who gets them? There are three types of payments available: • Community care grants for people getting Income Support, income-based Jobseeker’s Allowance or Pension Credit. • Budgeting loans are interest-free, repayable loans for getting Income Support or incomebased Jobseeker’s Allowance or Pension Credit for at least 26 weeks. • Crisis loans are interest-free, repayable loans for people (whether on benefits or not) unable to meet their immediate short-term needs in a crisis. How much are they? This depends on your personal circumstances, your ability to pay and on how much money is available. Social Fund payments are not a right and there is a limited amount of money to be distributed to all those who apply. How do I claim? For information about which Social Fund payment to claim and how, contact your local Jobs & Benefits office. More information on grants and loans, help with extra heating costs and funeral expenses, and Sure Start Maternity Grants is also available in booklet SFMA5JP (Sure Start Maternity Grants) which is available online at www.dwp.gov.uk/www.dsdni.gov.uk Loans have to be repaid at a set amount per week, which will be taken directly from your income if you are claiming other benefits. The amount you have to repay per week depends on the size of the loan, the size of your income and any other debts you may have. Anything else? • A community care grant does not have to be paid back. • You cannot get a budgeting loan or a crisis loan for more than £1,500, and the total you owe the Social Fund cannot be more than £1,500. The amount of any Social Fund payment you get will be reduced on a pound-for-pound basis by any savings you or your partner has. For community care grants, savings over £500 (£1,000 if you or your partner are aged 60 or over) will usually affect how much you can get. For budgeting loans, savings over £1,000 (£2,000 if you or your partner are aged 60 or over) will usually affect how much you can get. Anything else? The Social Fund can also provide community care grants to families receiving income-based Jobseeker’s Allowance, Income Support or Pension Credit under certain circumstances, such as to help pay fares to visit a mother and baby in hospital or to help a family under exceptional pressure. Grants do not have to be repaid. HAVE YOU CLAIMED EVERYTHING? You can claim Child Free Free £500 Sure Social Council Tax Help <strong>Health</strong>y Fares If you get Benefits prescriptions dental Start Fund Benefit (not with Start** to treatment Maternity loans NI) & Housing mortgage hospital Grant* Benefit Incomebased JSA ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Income Support ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Low income ✓ ✓ ✓ ✗ ✓ ✓ ✗ ✗ ✓ All mothers ✓ ✓ ✓ ✗ ✗ ✗ ✗ ✗ ✗ 144 *You can also claim if you get Pension Credit, Working Tax Credit where a disability or severe disability element is included in the award, or Child Tax Credit at a rate higher than the family element. **You can also claim if you get Child Tax Credit but not Working Tax Credit with an income of £14,495 or less.
Your rights and benefits HOUSING BENEFIT – HELP WITH YOUR RENT What is it? Housing Benefit will help you pay your rent (in Northern Ireland rent and/or rates) if you’re on income-based Jobseeker’s Allowance, Income Support, or have a low income. If you are a council/Housing Executive tenant, it will be paid direct to the council/Housing Executive; if you are a private tenant, it will be paid either to you or direct to your landlord. In Northern Ireland, if you are an owner occupier, Housing Benefit will be in the form of a rate rebate administered by the Rate Collection <strong>Agency</strong> (RCA). How much is it? It depends on the rent and/or rates you pay, average rents in your area, the size of your home, your income, savings, other benefits, your age and your family size. It may not be the same amount as the rent you are actually paying. You cannot get Housing Benefit if you have savings of more than £16,000. The amount of savings you have can also affect the amount of Housing Benefit you get. How do I claim? If you’re getting income-based Jobseeker’s Allowance or Income Support, you will get a Housing Benefit claim pack with your Jobseeker’s Allowance/Income Support claim form. Otherwise get a form from your local council. In Northern Ireland get a claim form HB1 from your Northern Ireland Housing Executive district office. If you are an owner occupier get claim form F1 from the RCA, 21-27 Chichester Street, Belfast BT1 4JJ, or call 028 9025 2525 or your local RCA. HELP WITH MORTGAGE INTEREST REPAYMENTS Who gets it? If you’ve got a mortgage and you’re on incomebased Jobseeker’s Allowance or Income Support, you may be able to get help with your interest payments, although there is usually a waiting period during which you won’t get any help. How much is it? You can only get help with interest payments (not repayments of capital or contributions to a linked PEP, endowment or insurance policy), and the amount is usually based on a standard average interest rate (which may not be the same as the interest you are paying). If you took out your mortgage before 2 October 1995, you will get no help for eight weeks, half of the allowable interest for the next 18 weeks and then all the allowable interest after that. If you took out your mortgage after 2 October 1995, you will get no help for 39 weeks and then all the allowable interest from week 40 of your claim. If you claim benefit because of the death of your partner or because your partner has left you and you have at least one child under 16, you are treated as if you took out your mortgage before 2 October 1995. How do I claim? Once you have claimed income-based Jobseekers’s Allowance or Income Support, your Jobs & Benefits office will automatically send you a form MI12 about your housing costs shortly before they become payable. You fill out part of the form and then send it to your mortgage lender to fill out the rest. The money will either be paid to you as part of your income-based Jobseeker’s Allowance or Income Support, or paid directly to your mortgage lender. Anything else? Tell your mortgage lender as soon as you get into difficulties with your mortgage. If you are unable to meet your repayments, you may be able to negotiate a temporary agreement for reduced repayments (e.g. during your maternity leave). Some mortgage lenders allow a few months ‘repayment holiday’ once during the life of the mortgage. If you have mortgage protection insurance, contact your insurer immediately. Most insurance policies will pay out if you are receiving Jobseeker’s Allowance or Income Support, but not if you are only receiving Statutory Maternity Pay or Maternity Allowance, so check carefully. COUNCIL TAX BENEFIT (not applicable in Northern Ireland) What is it? A benefit to help you pay your Council Tax if your income is low. 145
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Birth five to This book gives you a
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Birth five to Your complete guide t
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1 The first weeks There’s somethi
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The first weeks SCREENING AT A GLAN
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The first weeks B REASTFEEDING Brea
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The first weeks 2 Be patient… Sta
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The first weeks Allow your baby to
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The first weeks USING BREAST PUMPS
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The first weeks STERILISING All the
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The first weeks Follow the manufact
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The first weeks S LEEPING Some babi
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The first weeks room is too hot.
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The first weeks If you’re finding
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The first weeks NAPPY RASH Most bab
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The first weeks WASHING AND BATHING
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The first weeks T WINS ( OR MORE) P
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YEARS MONTHS 1 2 3 4 5 6 7 8 9 10 2
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How your child will grow • Walk o
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How your child will grow BRUSHING Y
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How your child will grow HEIGHT AND
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How your child will grow You should
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3 Learning and playing What we call
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Learning and playing I DEAS FOR PLA
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Learning and playing H OW TO MAKE S
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Learning and playing TRANSITION FRO
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Learning and playing MAKING CHILDCA
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4 Habits and behaviour There are so
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Habits and behaviour PROBLEMS WITH
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Habits and behaviour • By twelve
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Habits and behaviour A NEW BABY IN
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Habits and behaviour • Sometimes
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Habits and behaviour time he or she
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Habits and behaviour out to buy one
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5 Feeding your child Food is one of
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Feeding your child - push the bowl
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Feeding your child ALLERGIES Babies
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sensible for adults, but not for ba
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Feeding your child • Squashes, fi
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Feeding your child FAMILY F OOD For
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Feeding your child ‘When you go s
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Feeding your child Types of vegetar
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Feeding your child • Fruit and ve
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Feeding your child F OOD SAFETY You
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Feeding your child • If your chil
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6 Illness and accidents Every child
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Illness and accidents ● ● out-o
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Illness and accidents smoking or en
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Page 99 and 100: Illness and accidents Alternative t
Page 101 and 102: Illness and accidents After these m
Page 103 and 104: Illness and accidents ILLNESS INFEC
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Page 109 and 110: ecome a carrier and develop serious
Page 111 and 112: Illness and accidents ❑ ❑ ❑
Page 113 and 114: Illness and accidents ● ● ●
Page 115 and 116: Illness and accidents IF YOUR CHILD
Page 117 and 118: Illness and accidents at the knee a
Page 119 and 120: Illness and accidents THINGS STUCK
Page 121 and 122: Illness and accidents W HEN A CHILD
Page 123 and 124: Your own life P HYSICAL PROBLEMS A
Page 125 and 126: Your own life visitor about other l
Page 127 and 128: Your own life Stress also comes fro
Page 129 and 130: Your own life • Share the housewo
Page 131 and 132: Your own life • Suggest a regular
Page 133 and 134: 8 Your services There is a wide ran
Page 135 and 136: Your services H OW TO CHANGE YOUR G
Page 137 and 138: make. The money cannot be taken out
Page 139 and 140: Your rights and benefits of childca
Page 141 and 142: Your rights and benefits child’s
Page 143 and 144: Your rights and benefits Anything e
Page 145: Your rights and benefits Who gets t
Page 149 and 150: USEFUL ORGANISATIONS Some of these
Page 151 and 152: Council for Disabled Children 8 Wak
Page 153 and 154: INDEX A accidents 108-18 additives
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