PC10 Pension Credit - Communities and Local Government

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How do we work out your income?SPCR sch IV ● The first £20 of any income you receive from a trust fund ifPara 11payments are made entirely at the trustees’ discretion andcannot be disregarded in full (see above).Para 11Paras 8 & 9Para 10If any of the types of income listed apply to you, we will disregard(or not count) a maximum of £20 a week. For example, if the first £10of your War Pension is disregarded and you also have income from atrust (which cannot be disregarded in full), no more than £10 of themoney from the trust can be disregarded.Income from letting part of your home and taking in lodgersIf you let part of your home to a tenant 13 , the first £20 a weekof the rent they pay you is ignored. If you have separate tenancyagreements with more than one tenant, the first £20 a week of therent you get from each tenancy is ignored.If you receive money from a lodger 14 (or boarder) who lives in yourhome, the first £20 a week plus half of the rest you get from themis ignored. If you have more than one lodger, this part of the amountyou get from each lodger is ignored.The amount that is ignored is on top of any disregards from othertypes of income.If anyone else lives in your home and pays you for their living costsand accommodation (for example, an adult son), these payments willnot count as income. However, there may be a deduction from anyextra amount you get for housing costs. (See page 22.)Home income plansIf you have released equity from your home to buy an annuity, andare paying interest on the loan you took out to do this, part of theannuity income (equal to the amount of interest you are paying)may be ignored.3213 A tenant is someone who pays for the right to use at least one room in yourhome, but not for meals.14 A lodger is someone who pays you a charge for their accommodation and atleast some cooked or prepared meals.
How do we work out your income?SPCR sch VIPara 5Earnings disregardsThe amount of earnings that is disregarded will depend on whetheryou are receiving certain benefits, are blind, a carer or a lone parent,and whether you work part time in certain special occupations.The amount of your earnings that is ignored is on top of anydisregards on other types of income.Normal disregardsIn most cases the first £5 of your earnings from work is ignored inthe Pension Credit calculation. For couples, the first £10 is ignored.Higher disregardsFor some people there is a higher earnings disregard of £20. If youhave a partner, the first £20 of your joint earnings is ignored.The £20 disregard applies in the following circumstances:Para 1 ● You are a lone parent (if you do not have a partner and areresponsible for a child who lives with you);Para 4 ● You or your partner get any of the following:●●●●●Attendance Allowance;Disability Living Allowance;long-term Incapacity Benefit;Severe Disablement Allowance;Mobility Supplement; or● the disability or severe disability element of WorkingTax Credit;Para 4 ● You or your partner are registered as blind;Para 3 ● You get the extra amount for caring responsibilities because you(or your partner) are a carer;Para 2 ● You or your partner have earnings from one of the followingspecial occupations:●●a part-time fire-fighter;a member of the Territorial Army or the reserve forces;33
Page 4 and 5: About this guideGreat Britain and t
Page 7 and 8: ContentsPeople in special situation
Page 9 and 10: IntroductionHow to use this guideTh
Page 11 and 12: IntroductionTwo people of the same
Page 13 and 14: How will Pension Credit help you?Ea
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Page 23 and 24: How will Pension Credit help you?SP
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Page 27 and 28: How do we work out your income?SPCR
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Page 31: How do we work out your income?SPCR
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Page 49 and 50: How do you apply for Pension Credit
Page 51 and 52: What happens after you apply?We may
Page 53 and 54: C+P R 26B(2)& (3)C+P R 16AAbout pay
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Page 57 and 58: What happens after you apply?C+P R
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Page 65 and 66: What is an assessed income period?d
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People in special situations●the
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What if you are overpaid Pension Cr
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Other social security benefits and
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Further informationPrisoners and th
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Further informationWhere to get cop
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Indexabroadcoming from . . . . . .
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IndexCivil List pensions . . . . .
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Indexand non-dependants . . . . . .
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Indexinterestpayments . . . . . . .
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IndexPost Office® . . . . . . . .
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Indexsponsored immigrants . . . . .
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PC10 Pension Credit - Communities and Local Government

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