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Rights and benefits 132 How much will I get? The amount you get will depend on your current circumstances, e.g. the number of children in your household, the number of hours you and your partner work, and your household’s gross income for the last tax year. Claims for the current tax year will initially be based on the previous tax year’s income. Awards will run until the end of the tax year but if there is a change affecting the amount, you can ask for the award to be adjusted from the date of the change, e.g. if your wages fall significantly during the current tax year because you are going on maternity leave, or following the birth of your baby, but it can only be backdated up to a maximum of three months. Maternity Allowance or the first £100 a week of Statutory Maternity Pay, Statutory Adoption Pay and Statutory Paternity Pay will be ignored as income. Families with children, with an annual income of £50,000 or less, will get at least £545 a year. A single parent staying at home to look after one child could get £2,390 a year in tax credits. Anything else? If you get tax credits you may also be able to get the £500 Sure Start Maternity Grant and help with fares to hospital for treatment (including antenatal appointments). B ENEFITS IF YOUR INCOME IS LOW INCOME-BASED JOBSEEKER’S ALLOWANCE (JSA) AND INCOME SUPPORT (IS) What are they? Weekly or fortnightly payments for people who are not in full-time work and do not have enough to live on. If your family income falls below a set level, the benefit will ‘top it up’. This means that you may be able to get Income Support even if you are already getting Statutory Maternity Pay, Maternity Allowance, Incapacity Benefit or some income from part-time work. Who gets them? You can claim income-based Jobseeker’s Allowance if you are 18 or over and available for and actively seeking work. Usually you would claim this benefit if you are living with your partner and you are both unemployed or one or both of you work part time. You should also claim it if you are single and unemployed but your baby has not been born yet. If you are 16–17 and face severe hardship you may be able to claim before your baby is born. You should get further advice about this. You can claim Income Support if you are 16 or over and cannot be available for work. This would be because you are a single parent or because you are 29 weeks pregnant or more. You may also get Income Support if you are single and pregnant and you are not well enough to work. You cannot claim income-based Jobseeker’s Allowance or Income Support if you have a partner who lives with you and works for 24 hours or more a week, or if you work for 16 hours or more a week, or if you or your partner have savings of more than £16,000. How much is it? This depends on your age and the size of your family, and on what other income you have. If you are under 25 or have more than £6,000 in savings, you can get a lower rate. If you are claiming during pregnancy, you should let the Jobcentre Plus/Jobs & Benefits office know as soon as the baby is born. How do I claim? To claim income-based Jobseeker’s Allowance before your baby is born, you and your partner must both go to your local Jobcentre Plus/Jobs & Benefits office to make a claim. You will have to go to the office every fortnight to ‘sign on’ to show that you are available for and actively seeking work. However, once you are within 11 weeks of your expected due date, and after your baby is born, you will no longer need to sign on. Your partner can continue to claim for you. To claim Income Support, fill in form A1 which you can get at your Jobcentre Plus/Jobs & Benefits office. Return the form to that office. With Income Support you do not need to sign on. The benefit is paid directly into a valid account of your choice, or by cheque. Anything else? If you get Income Support, income-based Jobseeker’s Allowance or Pension Credit, you can claim other benefits, such as a £500 Sure Start Maternity Grant, help with fares to hospital and Housing Benefit. You may be able to get help with mortgage interest payments. You can get help from the Welfare Food Scheme or Healthy Start if you get Income Support, income-based Jobseeker’s Allowance or Child Tax Credit but not Working Tax Credit with an annual family income of £14,495 or less (2007/08). £500 SURE START MATERNITY GRANT FROM THE SOCIAL FUND What is it? A lump sum payment (a grant which you do not have to pay back) to help buy things for a new baby.
Who gets it? Pregnant women and new parents who are getting Income Support, income-based Jobseeker’s Allowance, Pension Credit, Working Tax Credit where a disability or severe disability element is included in the award or Child Tax Credit payable at a rate higher than the family element. How much is it? £500 for each baby who is expected, born, adopted, the subject of a parental order (following a surrogate birth) or, in certain circumstances, the subject of a residence order. How do I claim? Claim using form SF100 (Sure Start) which you can get from your local Jobcentre Plus/Social Security Office/Jobs & Benefits office. You can normally claim any time from 11 weeks before the due date until three months after the birth, adoption or date of parental or residence order. If you are adopting or, in certain circumstances, have been granted a residence order, your baby must be aged under 12 months at the date of claim. Those adopting can apply for a payment if the baby is not more than 12 months old when they apply and they apply within three months of the adoption order. For married couples who have a child by a surrogate mother, a claim must be made within three months from the date of the Parental Order. Part of the form will need to be completed by your midwife, GP or health visitor. This is to confirm when your baby is due or actually born, and that you have received advice about the health and welfare of yourself and your baby. If you can’t get Income Support, income-based Jobseeker’s Allowance, Pension Credit, Working Tax Credit or Child Tax Credit until after your baby is born, you must still claim the Sure Start Maternity Grant within the three-month time limit. 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 people getting Income Support, income-based Jobseeker’s Allowance or Pension Credit for at least 26 weeks. Rights and benefits • 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 repay 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 and are successful. How do I claim? For information about which Social Fund payment to claim and how, contact your local Jobcentre Plus/Social Security Office/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 S16 (A guide to the Social Fund) which is available online at www.dwp.gov.uk/www.dsdni.gov.uk and SFMSSA (Sure Start maternity grants from the Social Fund). 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 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. • 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 relative who is ill or to help a family under exceptional pressure. Grants do not have to be repaid. 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 are on 133
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Pre the nancy gbook Your complete g
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Pre the nancy gbook Your complete g
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11 LABOUR AND BIRTH Getting ready f
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Your pregnancy at a glance 16-20 we
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Introduction Every parent is differ
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Your health in pregnancy • Eat pl
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Your health in pregnancy VEGETARIAN
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Your health in pregnancy S MOKING W
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Your health in pregnancy P HYSICAL
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Your health in pregnancy Foot exerc
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2 Conception To understand about co
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Conception T HE WOMAN’ S MONTHLY
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Conception T HE BEST TIME TO GET PR
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Conception K NOWING THAT YOU’ RE
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How the baby develops WEEKS 4-5 Wee
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How the baby develops WEEKS 15-22 T
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4 Deciding where to have your baby
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Deciding where to have your baby HO
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5 Feelings and relationships From t
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Feelings and relationships WORRYING
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Feelings and relationships FAMILIES
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Feelings and relationships C OPING
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Mainly for men PRACTICAL SUPPORT Yo
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7 Antenatal care and antenatal clas
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Antenatal care and antenatal classe
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The feeding question B REASTFEEDING
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The feeding question Support contac
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The feeding question HOW OFTEN AND
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The feeding question B OTTLE FEEDIN
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The feeding question The temperatur
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9 Problems Your body has a great de
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Problems FEELING HOT IN PREGNANCY D
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Page 133: Rights and benefits How much is it?
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