`Homeshare Frequently Asked Questions

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "`Homeshare Frequently Asked Questions"

Transcription

1 `Homeshare Frequently Asked Questions 1. How could a Homesharer help me? 2. Would I suit a Homeshare arrangement? 3. How long would the Homesharer stay? 4. What type of accommodation is offered? 5. How much does it cost? 6. What am I paying for and how is the money spent? 7. Who manages the arrangement? 8. Who do I contact if I need advice? 9. How long will it take to set up a Homeshare arrangement? 10. Do I need to do anything to alter my home to have a Homesharer? 11. What about Insurance? 12. How long does a match last? 13. If I find someone to Homeshare myself, can they register on the scheme and you run the checks needed? 14. What happens if I live in accommodation designed for people over a certain age (over 50 or 60)? 15. Is there an upper or lower age limit to being a Homesharer? 16. What happens if I want to take a holiday or odd days off? 17. What if I don t get on with the person after we are living together? 18. Would a Homeshare agreement impact on my ability to release equity from my property? 19. What happens if a householder can be deemed to lack capacity due to a disability or mental illness? 20. If I had my adult son living with me, what checks and references should be taken up on the son? 1

2 21. If a Homeshare match has been in place for some time and my needs increase to include 'Personal Care' can I give a direct payment to the Homesharer to provide this support? 22. Will Homeshare affect my single person's council tax rebate? 23. Will a Homeshare arrangement affect the tax payable by me or the Homesharer? 24. Will the Homeshare arrangement affect my 'means tested" benefits? 25. What happens if I am entitled to a free TV licence because I am over 75 years of age, and I have a younger Homesharer come to live with me? 26. What happens if I am a full-time student and am exempt from paying Council Tax? 1. How could a Homesharer help me? As a Householder you may have developed some support needs, be feeling anxious about living alone or feeling isolated. Homesharing is a great way to find the help you need to stay in your home longer and regain some independence. If you feel vulnerable living by yourself, their presence will add to the sense of security at home. In exchange for accommodation at your house, the Homesharer will come to an Agreement with you, which is put together with and supported by the Homeshare Supervisor. The Agreement lays down the general and specific expectations that you both may have, for example a Homesharer may agree to help you with daily tasks, like shopping, light cleaning, walking the dog, perhaps gardening. You also discuss together any House Rules. A clear Agreement means a happy Homeshare. 2. Would I suit a Homeshare arrangement? Those Homesharing most suits, are those with a need for basic assistance at home. Those with medical needs will not benefit from having a Homesharer and are advised to seek professional medical assistance and/or speak to someone at Crossroads Care ESBH. Some Householders have a mixture of both professional medical help and a Homesharer caters to their needs. 3. How long would the Homesharer stay? Most arrangements are for a Homesharer stay for at least 6 months after the initial 1 month trial, and that 1 month's notice is given on both sides before the arrangement is ended. This can be shorter if that is part of the Agreement. 4. What type of accommodation is offered? 2

3 Householders must provide as a minimum a room with a bed (single or double). Bed linen for that bed is usually provided. A chest of drawers and wardrobe or similar.the Homesharer occupies the room on a license arrangement. The Householder will respect the Homesharers privacy but reserves the right to access the room if necessary. 5. How much does it cost? A Homesharer with our scheme pays a registration fee of 25, a 100 refundable deposit (once a match is made) and then 195 per month to Crossroads. The Householder pays a fee of 140 per month to Crossroads. Monthly fees are payable once a match has been found and the one month trial starts. We also manage the match on a monthly basis to make sure that everyone remains comfortable with the arrangement and we will actively seek other matches should the current one come to a close. 6. What am I paying for and how is the money spent? Crossroads Care ESBH Homeshare is a charity but we do need to raise sufficient income to meet the costs of operating and developing our provision. Householder and Homesharer fees are an important contribution to our overall income and help towards the cost of set up, initial references and checks and the ongoing support we are able to offer to you. We will provide a reviewing service and will assist and advise with arrangements for extra support, where required and training if appropriate. We will provide information about links to other services, including statutory services if required. As a charity we are a non-profit making organisation. If we do have any surplus funds at the end of the year these are put back into the charity to be used in developing our services 7. Who manages the arrangement? Crossroads Care ESBH is ultimately responsible for managing the arrangement and we are there to help when needed, particularly if serious problems arise between the participants. However we hope that each of the participants in an Arrangement feels confident enough to solve any difficulties between themselves, as they arise. 8. Who do I contact if I need advice? Should you have any general queries you can e mail us: we will aim to answer within 24 hours. Alternatively if there is a problem of an urgent nature, please call us on Monday to Friday 9am - 5pm. 9. How long will it take to set up a Homeshare arrangement? 3

4 Plan on anywhere from several weeks to two months. If we have someone on the list who is a good match, the process will be faster. You can help speed things up if you make sure referees are ready to respond to our enquiries. 10. How long does a match last? It will vary. Some have lasted years, others for months. Some sharers may be just looking for shorter term accommodation until they are on their feet in the city. We are aware that family situations and health can change and as a result living arrangements can alter. 11. What about Insurance? It is vital that the householder has up to date property and contents insurance and those insurers should be made aware of the Homeshare arrangement. A notice of interest can be written onto their insurance documents. The Homesharere may want to take out separate insurance for specific items. If any difficultiesarise a company called Ellis Bates can be helpful and fully understand how Homeshare works. 12. Do I need to do anything to alter my home to have a Homesharer? No, however a Householder must think about the way they look after their home, as they are responsible for making their home safe for the Homesharere. An annual gas safety check is required, which means any gas boilers or appliances such as cookers need an annual gas check and safety certificate. Smoke alarms should be fitted and working and you, a relative or friend should have looked at general safety for yourself or anyone staying in your home. The electrical system and appliances should be safe and we can arrange checks if you are unsure. We have a safety checklist which we will carry out once it is agreed that the home is suitable for Homeshare, 13. If I find someone to Homeshare myself, can they register on the scheme and you run the checks needed? Yes. As long as they agree to the same procedures as any other applicant, we are happy for you to assist us with finding a Homesharer. 14. Is there an age limit to being a Homesharer? Homeshare programmes around the world have recognised that Homesharers need to have the maturity and lifestyle to commit fully to the support of the Householder and to the Homesharer role. We seek Homesharers who are 24 years old or older, but recognise that age is not the only indicator of an individual s maturity. Older Homesharers can offer a great deal to a Homeshare arrangement. If you are both retired, consideration needs to be given to your day time routines and how they will fit around each other. 4

5 15. What happens if I live in accommodation designed for people over a certain age (over 50 or 60)? It's important that you research the rules and restrictions that relate to the older resident and whether these are legally enforceable or simply local guidelines. If there are legal restrictions, meaning that a younger person cannot live in the property, then you will only be able to organise a Homeshare with a person of the right age. However, if the age restrictions are merely a local target or rule, you may be able to gain permission from your Landlord/managing agent for a younger Homesharer to move in. 16. What happens if I want to take a holiday or odd days off? The Homeshare agreement is not a contract; however the Homesharer does take responsibility to honour the Agreement, particularly if one of the agreed expectations of the householder is to have someone to stay the night for perceived safety reasons. Most Homesharers agree to sleep 5/6 nights in the house. Any issue relating to days away or holiday time must be in consultation and agreement with the householder, with enough advance notice for them to be able to make other arrangements. 17. What if I don t get on with the person after we are living together? The key to a successful homesharing is the match. It must ensure that the needs of both parties are met and that there is not an imbalance. The Homeshare arrangement is not a job contract but a way to help each other, with an agreement where two people share their lives for a period, in order to improve quality. This is the reason for the trial period. It gives you some real experience together before a definite decision is made. Even after the agreement is signed you can terminate the arrangement by giving 30 days notice to the other person. BUT don t give up too easily. Sometimes all that is needed is some honest communication and clear statements of your needs. The Crossroads Coordinator is available to meet with both parties to help smooth out any worries. 18. Would a Homeshare agreement impact on my ability to release equity from my property? Equity release scheme providers have taken a view that a Homeowner/Householder can release the equity in their home if they have a Homesharer living with them. However: 1: The Equity Release provider will require that the Homesharer signs a waiver of interest. If you have concerns about this, you are advised to inform the Equity Release provider of your intention to enter into a Homeshare arrangement. 5

6 2: Cross Roads Care ESBH will modify the Homeshare agreement to include provisions in the event of you, the Householder, leaving the property, moving into long-term care or passing away. In the event of this happening all lenders will allow between 6 and 18 months for the property to be sold. They liaise with the executor of the Will to coordinate the sale. If you want to plan in advance to give the Homesharer time to move, you should inform your executor/solicitor of your wishes. 19. What happens if the Householder can be deemed to lack capacity due to a disability or mental illness? The Householder cannot enter into a Homeshare agreement (and the License Agreement within it) unless they have the mental capacity to do so with support as necessary. If they don't have the mental capacity it would be appropriate for someone else to engage in the process and to sign the Homeshare agreement on their behalf, but only if they have 'Power of Attorney' over their affairs. If they don't have power of attorney, they could act on the Householders behalf by obtaining a 'Short Order' which would enable them to act on the Householders behalf on matters concerning the Homeshare agreement only, and none of the Householders other life aspects. If a person does have Enduring Power of Attorney it must be registered with the Court before they can make decisions on the Householders behalf. 20. If I had my adult son living with me, what checks and references should be taken up on him for the sake of the incoming Homesharer? Any adult, resident of the Householder's home, should be asked to provide two professional references. This is simply to provide some background information and to check their character. DBS/CRB checks cannot be legally made on other adult residents of the household. Therefore it is important to make sure that the Homesharer is aware that there is another adult resident in the home that references have been taken up, but that no Disclosure checks have been conducted. 21. If my Homeshare match has been in place for some time and my needs increase to include 'Personal Care', can I use a Direct Payment to the Homesharer to provide this support? You would be legally entitled to use your Direct Payment to employ the Homesharer to provide personal care and you would need to use the Direct Payment to employ the Homesharer directly. This would create numerous complications concerning employment law, national minimum wages and would further complicate the Homeshare agreement. Therefore it is inadvisable to allow Homesharers to provide you with personal care. 22. Will Homeshare affect my single person's council tax rebate? 6

7 Liability for council tax is governed by the Council Tax Regulations 1992 and people living alone are able to claim a 'single person' discount. There are a number of categories of people who are disregarded for the purposes of council tax. Homesharers who are youth trainees, apprentices, students or student nurses will be disregarded for the purposes of council tax and you will not in those circumstances lose your single person discount. In this situation you should obtain confirmation from the council tax office that the Homesharer will be disregarded for the purposes of council tax and that you will not lose your single person discount. Householders with Homesharers who are not disregarded for the purpose of Council Tax, will lose their single person discount. They will however be entitled to the second adult rebate as long as the Homesharer is not paying rent. The Housing Benefit Strategy Division has confirmed that: 'A person is entitled to the second adult rebate if they are a resident of the property, are liable to council tax on that property and if any other resident does not pay them rent to live in that property'. 23. Will a Homeshare arrangement affect the tax payable by me or the Homesharer? There was concern that Her Majesty's Revenue and Custom (HMRC) might regard: - The accommodation provided to the Homesharer or the support provided to you as 'Taxable Income'. - The proportion of the accommodation occupied by the Homesharer as accommodation used for business purposes when the Householder sells their property (and therefore liable for Capital Gains Tax). HMRC has however confirmed that: They will not treat provision of accommodation or of support as taxable income. There will be no liability for capital gains tax on any profit from the sale of the Householder's home. Cross Roads Care ESBH Homesharing agreement clarifies that the Homesharer occupies their room under a license arrangement and that you the Householder has access to their room as and when required. 24. Will a Homesharer arrangement affect my 'means tested' benefits? Where you or the Homesharer is receiving means tested benefits, the concern is whether the Department of Works and Pensions (DWP) will treat the accommodation provided to the Homesharer or the support provided to you as notional income for the purposes of benefits. This is a complicated issue as there are a number of different variables, i.e. you and/or the Homesharer may be claiming one or more of a number or different benefits. However there are some very clear areas 7

8 The support provided by the Homesharer may be treated as 'notional income' as far as you are concerned and may affect any means tested benefit you receive. If the Homesharer has previously been claiming Housing benefit, then they will lose all or most of the benefit payment. Having free accommodation is seen as 'income in kind' for the Homesharer and is disregarded for the purposes of means tested benefits. If you are claiming Housing benefits, the Homesharer will be seen as a 'Non Dependent' for the purposes of this benefit. If the Homesharer receives Severe Disability Premium: the benefits rule means that the Homesharer could lose their entitlement to SDP if they move in to live with another person. You will need to contact your local benefits advisor if you think this affects you. 25. What happens if I am entitled to a free TV license because I am over 75, and I have a younger Homesharer come to live with me? The TV Licensing authority confirms that: If someone is aged 75 or over, they are entitled to a free 'Over 75 TV License for their principal resident, even if they live with younger relatives or friends and this includes a younger Homesharer. If they are aged 74 and will turn 75 before their next TV license is due to expire, they qualify to buy a Short Term License. This will cover their principal residence until their 75th birthday, when they will be entitled to a free Over 75 TV license. With a Short Term TV License, they need only pay for the number of months between the date of their current license expiring and their birthday. 26. What happens if I am a full-time student and I am exempt from paying Council Tax? If you are a full time student, you will be exempt from paying Council Tax. If a Homesharer moves into the property and they are also a student, or exempt from Council Tax for another reason, then no one in the household will pay Council Tax. If however, the Homesharer is not exempt, then Council Tax must be paid. NOTE: This needs to go onto the web site with each question, once clicked, will go straight to the answer. 8

Your retirement could have even more going for it

Your retirement could have even more going for it Your retirement could have even more going for it A straightforward guide to equity release For no obligation advice: call 0800 015 0993 www.justretirementsolutions.com Contents Imagine what you could

More information

Paying for your own residential care

Paying for your own residential care Paying for your own residential care June 2015 Page 1 Contents How will I know whether my needs have to be met by residential care?... 3 How do I find a home?... 3 How much will I have to pay towards the

More information

Council Tax Discounts

Council Tax Discounts www.knowsley.gov.uk Leaflet MCL9 Council Tax Discounts (including Disabled Relief) Merseyside authorities working together This leaflet is one of a series produced by a number of Merseyside authorities

More information

Care Home Fees: Paying them in Scotland

Care Home Fees: Paying them in Scotland Guide Guide 52 Care Home Fees: Paying them in Scotland Living in a care home can be expensive. Some people are able to pay their own care home fees, but others may need financial support from their local

More information

Approaching retirement

Approaching retirement A guide to tax and National Insurance contributions IR121 Contents Introduction Retiring early National Insurance contributions 1 Get a state pension forecast 2 Income tax 2 Claiming your State Pension

More information

MOVING INTO A CARE HOME Frequently asked questions

MOVING INTO A CARE HOME Frequently asked questions MOVING INTO A CARE HOME Frequently asked questions What types of income and savings are counted as part of a financial assessment? Employment Support Allowance / Incapacity Benefit Pension Credit Former

More information

Going into hospital money matters

Going into hospital money matters Going into hospital money matters RET0403 Being admitted to hospital either voluntarily or under section can be a distressing experience. Often money may be the last thing on your mind. However if neither

More information

DEBT DEBT. Dealing with. Self-help guide... abc IN TRAN. www.broadland.gov.uk. communication for all

DEBT DEBT. Dealing with. Self-help guide... abc IN TRAN. www.broadland.gov.uk. communication for all Self-help guide... DEBT Dealing with DEBT abc www.broadland.gov.uk IN TRAN communication for all Where to get ADVICE on debt problems If you feel that you have money problems that are too difficult to

More information

Printed for the Scottish Government by RR Donnelly B55529 03/08

Printed for the Scottish Government by RR Donnelly B55529 03/08 THINKING ABOUT care MOVING INTO A home? THINKING ABOUT care MOVING INTO A home? Crown copyright 2005 ISBN 0 7559 4472 0 Scottish Government St Andrew s House Edinburgh EH1 3DG Printed for the Scottish

More information

LIFETIME MORTGAGE LUMP SUM

LIFETIME MORTGAGE LUMP SUM LIFETIME MORTGAGE LUMP SUM Terms and Conditions (version 5) This is an important document. Please keep it in a safe place. LV= Lifetime Mortgage lump sum Terms and Conditions Welcome to LV=, and thank

More information

Redundancy, finishing work and benefits

Redundancy, finishing work and benefits Redundancy, finishing work and benefits If your job finishes due to redundancy or a voluntary severance scheme you may need to claim social security benefits. Payments you get from your employer in these

More information

Planning for Care Costs. The Options in Scotland

Planning for Care Costs. The Options in Scotland Planning for Care Costs The Options in Scotland For more information or to speak to one of our trained advisers please telephone our team on 0800 152 2037 Solicitors For Older People Scotland 1/7/2012

More information

Helping you to help yourself

Helping you to help yourself Helping you to help yourself Your guide to Direct Payments for Social Care What is a Direct Payment? Direct Payments are An offer to you, if you are eligible for help from Social Care, to receive the money

More information

Direct payments. Employing staff

Direct payments. Employing staff Direct payments Employing staff We recommend that personal assistants should be employed directly by you. Here your responsibilities are clear and flexibility is maintained. We do not recommend that you

More information

Help with Council Tax

Help with Council Tax WR4 April 2011 Welfare rights information sheet Help with Council Tax About this information sheet... 1 Who is liable to pay Council Tax?... 1 Council Tax bills and payment... 1 Help with reducing the

More information

Care and Support Charging and Financial Assessment Framework

Care and Support Charging and Financial Assessment Framework Care and Support Charging and Financial Assessment Framework Effective date 1 st April, 2015 Approved by Adult Social Care, Children s Services and Education Committee Date approved 4 th March, 2015 Service

More information

HOUSING BENEFIT AND COUNCIL TAX SUPPORT 2015-16. www.havering.gov.uk

HOUSING BENEFIT AND COUNCIL TAX SUPPORT 2015-16. www.havering.gov.uk HOUSING BENEFIT AND COUNCIL TAX SUPPORT 2015-16 www.havering.gov.uk What are Council Tax Support and Housing Benefit? Council Tax Support helps people pay their Council Tax. The Government decided to replace

More information

A Guide for Powers of Attorney

A Guide for Powers of Attorney A Guide for Powers of Attorney NSW Trustee & Guardian can prepare a Power of Attorney to ensure your financial affairs are professionally managed. Contents Powers of Attorney: Your questions answered 3

More information

Orchards www.orchardsuk.com 01525 40 22 66

Orchards www.orchardsuk.com 01525 40 22 66 Buy to Let guide. Orchards www.orchardsuk.com 01525 40 22 66 Your guide to buy to let This residential buy to let overview is brought to you by Orchards. One of Bedfordshires most experienced lettings

More information

Going into Hospital. Money Matters

Going into Hospital. Money Matters Going into Hospital Money Matters Being admitted to hospital can be very upsetting. Money may be the last thing on your mind. But if you don t have a plan to deal with your money when you are in hospital,

More information

Affordable Home Ownership YOUR GUIDE

Affordable Home Ownership YOUR GUIDE Areas We Cover as a HomeBuy Agent Affordable Home Ownership YOUR GUIDE Registered Head Office Jubilee House, Stenson Road, Coalville, Leicestershire LE67 4NA Tel: 0844 892 0112 Fax: 01530 276033 For general

More information

LONG TERM CARE. Who needs care? How much does care cost? Can I get help from the government?

LONG TERM CARE. Who needs care? How much does care cost? Can I get help from the government? Long term care LONG TERM CARE Long-term care is the term used for someone who needs professional care every day. The need for such care may follow an event such as a stroke or be the result of frailty

More information

Deferred Payments. A guide to. Paying for residential care if you own your home

Deferred Payments. A guide to. Paying for residential care if you own your home Deferred Payments A guide to Paying for residential care if you own your home What is the deferred payment scheme? If you are a home owner moving to residential care this scheme is designed to assist you

More information

Information for people in residential care with property

Information for people in residential care with property Information for people in residential care with property If you are assessed as eligible for permanent residential care and you have a property and your other capital is valued at less than 23,250 the

More information

Council Tax Discounts

Council Tax Discounts www.wirral.gov.uk Leaflet W8 Council Tax Discounts (including Disabled Relief) Leaflets and where to get them All of these leaflets are available at www.wirral.gov.uk For your ease, all of the leaflets

More information

Factsheet. Bankruptcy. e y. i c e. Make Every Count. The information and benefit rates in this leaflet are correct at April 2009

Factsheet. Bankruptcy. e y. i c e. Make Every Count. The information and benefit rates in this leaflet are correct at April 2009 M on Factsheet e y E3 A dv i c e Bankruptcy U ni Make Every Count t The information and benefit rates in this leaflet are correct at April 2009 01438 737555 www.hertsdirect.org/benefits Bankruptcy Bankruptcy

More information

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.

More information

A guide to our. Priority Services and ways we can help you manage your energy

A guide to our. Priority Services and ways we can help you manage your energy A guide to our Priority Services and ways we can help you manage your energy Contents Helping to make life easier Helping you feel safe how to recognise our staff If you re visually-impaired Other services

More information

MABS Guide to the Personal Insolvency Act, 2012

MABS Guide to the Personal Insolvency Act, 2012 MABS Guide to the Personal Insolvency Act, 2012 DISCLAIMER: This Guide is for general information purposes only and does not constitute legal, financial or other professional advice. Specific advice should

More information

YOUR GUIDE TO RETIREMENT

YOUR GUIDE TO RETIREMENT YOUR GUIDE TO RETIREMENT www.phoenixlife.co.uk CONTENTS Page Purpose of this guide 3 Your pension options - Buying your pension income (annuity) from us 4 Your pension options - Buying your pension income

More information

Getting social care support under the new law in England

Getting social care support under the new law in England Factsheet What does the Care Act mean for me? Getting social care support under the new law in England This factsheet concentrates on parts of the Care Act which will most affect people who use social

More information

Contents. Why budget? Do I need to budget? Why budget? 3. Do I need a budget? 3. Some budgeting ideas 4. Talking with a budgeting advisor 5

Contents. Why budget? Do I need to budget? Why budget? 3. Do I need a budget? 3. Some budgeting ideas 4. Talking with a budgeting advisor 5 Managing your money Contents Why budget? Why budget? 3 Do I need a budget? 3 Some budgeting ideas 4 Talking with a budgeting advisor 5 Extra help with costs 6 Budget worksheet to help you get started 7

More information

Helping your loved ones. Simple steps to providing for your family and friends

Helping your loved ones. Simple steps to providing for your family and friends Helping your loved ones Simple steps to providing for your family and friends Contents 01 How can I take control of who gets what? 02 Inheritance Tax 04 Do you know how much you re worth? 06 Making lifetime

More information

Business Debtline www.businessdebtline.org 0800 0838 018 BANKRUPTCY

Business Debtline www.businessdebtline.org 0800 0838 018 BANKRUPTCY BUSINESS DEBTLINE Business Debtline www.businessdebtline.org 0800 0838 018 BANKRUPTCY FACT SHEET NO. 10 NORTHERN IRELAND What is bankruptcy? Bankruptcy is a way of dealing with debts that you cannot pay.

More information

SHARED OWNERSHIP BUYERS GUIDE

SHARED OWNERSHIP BUYERS GUIDE SHARED OWNERSHIP BUYERS GUIDE SHARED OWNERSHIP SHARED OWNERSHIP PROVIDES AN AFFORDABLE WAY TO BUY A HOME. YOU PURCHASE A SHARE IN A BRAND NEW HOME AND PAY A SUBSIDISED RENT ON THE PART YOU DON T OWN. IN

More information

Your Gas and Electricity Bill

Your Gas and Electricity Bill Your Gas and Electricity Bill Page 3 This charter sets out what you need to know about paying for your gas and electricity, and what to do if you re having difficulty paying a bill. Section Contents Page

More information

APPLICATION FOR FINANCIAL ASSISTANCE

APPLICATION FOR FINANCIAL ASSISTANCE APPLICATION FOR FINANCIAL ASSISTANCE ALTERNATIVELY APPLY ONLINE VIA THE FUND S WEBSITE WWW.NPOWERENERGYFUND.COM BEFORE COMPLETING THE APPLICATION FORM, PLEASE CAREFULLY READ THE NOTES BELOW. When you have

More information

Application for a Discretionary Housing Payment

Application for a Discretionary Housing Payment RBBNBDHP Benefit Ref : Date of issue:... To :........ Application for a Discretionary Housing Payment Please return this form by post to: Harrogate Borough Council, Benefit Services, PO Box 787, Harrogate,

More information

factsheet Help with Council Tax

factsheet Help with Council Tax factsheet Help with Council Tax 2015/16 carersuk.org factsheet This factsheet looks at what help is available for council tax and what to do if you disagree with a council tax decision. The information

More information

What is the Deferred Payments Scheme?

What is the Deferred Payments Scheme? What is the Deferred Payments Scheme? The Deferred Payments Scheme is designed to help you if you have been assessed as having to pay the full cost of your residential care but cannot afford to pay the

More information

STUDENT LOAN? WHAT S IN A

STUDENT LOAN? WHAT S IN A WHAT S IN A STUDENT LOAN? A student loan can help to finance your tertiary studies. You can get a loan to help with your fees, course-related costs and weekly living costs. But remember, only borrow what

More information

Making the most of your retirement

Making the most of your retirement Making the most of your retirement A guide to equity release and our advice service Provided by Contents Welcome from the Age UK Group 3 Do more with your retirement 4 What is equity release? 5 Is equity

More information

INFORMATION ABOUT YOUR MORTGAGE. Important information for you to keep and refer to

INFORMATION ABOUT YOUR MORTGAGE. Important information for you to keep and refer to INFORMATION ABOUT YOUR MORTGAGE Important information for you to keep and refer to 1 Information about your mortgage This booklet is sent to you with your mortgage offer so you can read it before you enter

More information

Council Tax Debt Recovery Policy

Council Tax Debt Recovery Policy Council Tax Debt Recovery Policy Contents 1. Legal Framework 2. Demand Notice 3. Joint & Several Liability 4. Instalments 5. Methods of Payment 6. Reminder/Final Notices 7. Summons 8. Liability Order/Request

More information

Your personal budget plan

Your personal budget plan 1. About you Your personal budget plan Your personal budget plan You need to be clear about whose details you are going to include. For example: if you live with a partner, are you going to prepare a joint

More information

CHILDREN S TRUSTS QUESTIONS & ANSWERS

CHILDREN S TRUSTS QUESTIONS & ANSWERS CHILDREN S TRUSTS QUESTIONS & ANSWERS June 2015 Table of Contents Definitions 2 What is the Public Guardian and Trustee (PGT) of Manitoba? 2 What are the PGT s duties? 2 Why does the PGT administer children

More information

Your Move a Walk in the Park

Your Move a Walk in the Park M ake Your Move a Walk in the Park We are delighted that you are considering buying an MHA property and want you to enjoy the benefits of our retirement living as soon as possible. Share the cost Buy from

More information

Employment in community buildings

Employment in community buildings Employment in community buildings Employment in community buildings Most village halls employ some staff, generally part time. As a result trustees must be aware of their responsibilities as employers.

More information

Become an HFS London Host Family

Become an HFS London Host Family Become an HFS London Host Family Become an HFS London Host Family 3 The UK Language Travel Sector 4 The Student Path to London 5 British Council Homestay Guidelines 5 The Homestay Experience 6 Backgrounds

More information

Deferred Payment Scheme Information Leaflet

Deferred Payment Scheme Information Leaflet Deferred Payment Scheme Information Leaflet What is the Deferred Payments Scheme? The Deferred Payments Scheme is designed to help you if you have been assessed as having to pay the full cost of your residential

More information

The Social Fund. Part of the Department for Work and Pensions

The Social Fund. Part of the Department for Work and Pensions The Social Fund Part of the Department for Work and Pensions What is the Social Fund? If you are on a low income and faced with costs that are difficult to pay for out of your normal income, the Social

More information

Providing. more than a room. Guide to benefi ts, tax and insurance. The four agency SUPPORTED LODGINGS project May 2011

Providing. more than a room. Guide to benefi ts, tax and insurance. The four agency SUPPORTED LODGINGS project May 2011 The four agency SUPPORTED LODGINGS project May 2011 funded by Communities and Local Government Providing more than a room Guide to benefi ts, tax and insurance The Four Agency Supported Lodgings Project

More information

Debt options. What to do if you re having trouble paying your tax on time. IR 582 April 2015. Classified Inland Revenue Public

Debt options. What to do if you re having trouble paying your tax on time. IR 582 April 2015. Classified Inland Revenue Public Debt options What to do if you re having trouble paying your tax on time IR 582 April 2015 Classified Inland Revenue Public Contents About this guide 3 Why paying tax matters 4 Struggling to pay a tax

More information

In simple terms your return on investment of renting out a property is affected by two main things: rental income and your expenses.

In simple terms your return on investment of renting out a property is affected by two main things: rental income and your expenses. Copyright 2015 Letcom property agents 2015 Table of Contents 1 Introduction...2 2 Return on Your Investment...2 2.1 Rental Income...2 2.2 Expenses...3 3 Agreements and Legal Requirements...3 3.1 Agency

More information

Claim form for Housing Benefit and Council Tax Reduction

Claim form for Housing Benefit and Council Tax Reduction Claim form for Housing Benefit and Council Tax Reduction If you are just claiming Second Adult Rebate, only fill in Parts 1, 3 and 15 of this form and tick this box. Part 1 About you and your partner Do

More information

Receiving your personal budget as a direct payment

Receiving your personal budget as a direct payment Receiving your personal budget as a direct payment This information sheet outlines in more detail the things you need to consider and the steps you need to take to receive your personal budget as a direct

More information

LEVEL 3 - UNIT 15 - THE PRACTICE OF LAW FOR THE ELDERLY CLIENT SUGGESTED ANSWERS JANUARY 2011

LEVEL 3 - UNIT 15 - THE PRACTICE OF LAW FOR THE ELDERLY CLIENT SUGGESTED ANSWERS JANUARY 2011 LEVEL 3 - UNIT 15 - THE PRACTICE OF LAW FOR THE ELDERLY CLIENT SUGGESTED ANSWERS JANUARY 2011 Note to Candidates and Tutors: The purpose of the suggested answers is to provide students and tutors with

More information

A Guide for Powers of Attorney

A Guide for Powers of Attorney A Guide for Powers of Attorney NSW Trustee & Guardian can prepare a Power of Attorney to ensure your financial affairs are professionally managed. Contents Powers of Attorney: Your questions answered 3

More information

How does HMRC work out how much income tax I owe?

How does HMRC work out how much income tax I owe? Taxes are dealt with and collected by HM Revenue & Customs (HMRC). There are different types of tax, which include those listed below. Income tax. This is a tax you pay on income you receive. National

More information

KEY GUIDE. Drawing profits from a company

KEY GUIDE. Drawing profits from a company KEY GUIDE Drawing profits from a company Constantly changing tax rules When you draw profits from an owner-managed company most people are keen to ensure that they do it in a way that minimises the tax

More information

KEY GUIDE. Drawing profits from a company

KEY GUIDE. Drawing profits from a company KEY GUIDE Drawing profits from a company Constantly changing tax rules When you draw profits from an owner-managed company it is important that you do it in ways that minimise the tax and national insurance

More information

KEY GUIDE. Living abroad the new tax rules

KEY GUIDE. Living abroad the new tax rules KEY GUIDE Living abroad the new tax rules Planning to leave the UK While the thought of going abroad to work or retire may be exciting, the months before departure may be stressful. Finding somewhere to

More information

Choosing a care home and paying for your accommodation and care

Choosing a care home and paying for your accommodation and care ADULT SOCIAL CARE Adult Residential or Nursing Care Choosing a care home and paying for your accommodation and care Guidance for Service Users April 2015 The contents of this booklet apply only to placements

More information

LIFETIME MORTGAGE LUMP SUM

LIFETIME MORTGAGE LUMP SUM LIFETIME MORTGAGE LUMP SUM Terms and Conditions (version 4) This is an important document. Please keep it in a safe place. LV= Lifetime Mortgage lump sum Terms and Conditions Welcome to LV=, and thank

More information

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY.

KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. PENSION ANNUITIES KEY FEATURES OF LEGAL & GENERAL S PENSION ANNUITY. HELPING YOU MAKE THE RIGHT DECISIONS FOR YOUR FUTURE This is an important document that you should keep in a safe place. 02 KEY FEATURES

More information

How to make a claim for benefits

How to make a claim for benefits GUIDE TO BENEFITS How to make a claim for benefits This is a basic guide to benefit entitlements; please ensure that you discuss with your Resettlement Officer before you make a claim for benefits. You

More information

Life insurance. Shedding light on. a practical guide to helping you achieve a lifetime of financial security

Life insurance. Shedding light on. a practical guide to helping you achieve a lifetime of financial security Shedding light on Life insurance a practical guide to helping you achieve a lifetime of financial security Learn more about: Safeguarding your loved ones Protecting your future Ensuring your dreams live

More information

Charges for Care Homes

Charges for Care Homes Charges for Care Homes This information explains how Kirklees Council Adult Services work out charges for care homes for older people and the circumstances in which a third party payment may be charged.

More information

Getting started as an attorney

Getting started as an attorney LP11 Getting started as an attorney Property and financial affairs How to be an attorney You ve been appointed as an attorney under a lasting power of attorney (LPA). The person who made the LPA (the donor

More information

Keeping up with mortgage repayments

Keeping up with mortgage repayments Keeping up with mortgage repayments This information is an extract from the booklet Housing costs, which is part of our Financial guidance series. You may find the full booklet helpful. We can send you

More information

WHAT CAN YOU CLAIM? A basic guide to benefits which people with learning disabilities may be able to claim.

WHAT CAN YOU CLAIM? A basic guide to benefits which people with learning disabilities may be able to claim. WHAT CAN YOU CLAIM? A basic guide to benefits which people with learning disabilities may be able to claim. The Down's Syndrome Association April 2012 (amended Dec 2012) This information is updated every

More information

Using a lawyer as you get older: Ten top tips

Using a lawyer as you get older: Ten top tips Using a lawyer as you get older: Ten top tips www.legalombudsman.org.uk The information in this leaflet is useful for anyone who is considering using a lawyer but it may be particularly useful for people

More information

W e l f a r e April 2010

W e l f a r e April 2010 Welfare R I G H T S April 2010 CONTENTS PAGE No. 1. INTRODUCTION TO ATTENDANCE ALLOWANCE...2 Who is this briefing note for and how will it help?...2 What is Attendance Allowance?...3 Attendance Allowance

More information

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.

More information

Housing options for single parents

Housing options for single parents Formed from the merger of the National Council for One Parent Families and Gingerbread Factsheet For single parents in England and Wales February 2012 Freephone 0808 802 0925 Gingerbread Single Parent

More information

Our code for collecting council tax

Our code for collecting council tax Council tax This document tells you how we collect council tax and what to do if you have difficulty paying. Paying your bill If you have to pay council tax we will send you a bill. The bill will tell

More information

Getting direct payments to buy social care for your disabled child

Getting direct payments to buy social care for your disabled child 1 Getting direct payments to buy social care for your disabled child Information for families Getting direct payments to buy social care for your disabled child England and Wales Introduction If your local

More information

Choosing and Opening a Bank Account

Choosing and Opening a Bank Account Choosing and Opening a Bank Account The Easy Picture Guide to Banking T his Guide has been put together to help you to choose a Bank and a Bank Account that are right for YOU. It has been written to be

More information

Provide for your loved ones. A guide to death benefits from your pension plan

Provide for your loved ones. A guide to death benefits from your pension plan Provide for your loved ones A guide to death benefits from your pension plan This guide covers the death benefits from the following plans: Self Invested Personal Pension Group Self Invested Personal Pension

More information

Your retirement income. Exploring your options

Your retirement income. Exploring your options Your retirement income Exploring your options Contents 02 What do you want to do with your pension fund? 07 A regular retirement income for the rest of your life 10 A flexible income from a Self Invested

More information

DEFERRED PAYMENT AGREEMENT. Information Pack for our service users and their families or representatives

DEFERRED PAYMENT AGREEMENT. Information Pack for our service users and their families or representatives 12 WEEK PROPERTY DISREGARD PERIOD AND THE DEFERRED PAYMENT AGREEMENT Information Pack for our service users and their families or representatives What is the 12 week Property Disregard Period? The Council

More information

Paying for Non-residential Support

Paying for Non-residential Support Paying for Non-residential Support A guide to how much you may have to contribute towards your Personal Budget 2014/15 www.wolverhampton.gov.uk Content Introduction - Non-residential Support..............................................

More information

Trustees and Liquidators in Bankruptcies and Compulsory Liquidations

Trustees and Liquidators in Bankruptcies and Compulsory Liquidations Trustees and Liquidators in Bankruptcies and Compulsory Liquidations Information on the appointment, functions, powers and payment of trustees and liquidators, and their complaints procedure. Contents

More information

Application Form For: Housing Benefit, Council Tax Benefit or Council Tax Reduction Scheme, Second Adult Rebate and Free School Meals

Application Form For: Housing Benefit, Council Tax Benefit or Council Tax Reduction Scheme, Second Adult Rebate and Free School Meals Application Form For: Housing Benefit, Council Tax Benefit or Council Tax Reduction Scheme, Second Adult Rebate and Free School Meals This form can be returned in person to any of the addresses below:

More information

Leave a gift in your will. Create a brighter future for the next generation. For a future without poverty

Leave a gift in your will. Create a brighter future for the next generation. For a future without poverty Leave a gift in your will Create a brighter future for the next generation For a future without poverty Contents Leave a lasting legacy 4 Why leave a gift in your will? 5 Why having a will is important

More information

The 2015 Self-Assessment Guide For Long Term Care Insurance

The 2015 Self-Assessment Guide For Long Term Care Insurance The 2015 Self-Assessment Guide For Long Term Care Insurance A JOINT PUBLICATION BY: SHIP State Health Insurance Assistance Program And Indiana Partnership Long Term Care Insurance Program Both of the Indiana

More information

A Financial Planning Technical Guide

A Financial Planning Technical Guide Insurance and Estate Planning A Financial Planning Technical Guide Securitor Financial Group Limited ABN 48 009 189 495 AFSL 240687 Contents Introduction 1 General insurance 1 Private health insurance

More information

Gains on foreign life insurance policies

Gains on foreign life insurance policies Helpsheet 321 Tax year 6 April 2013 to 5 April 2014 Gains on foreign life insurance policies A Contacts Introduction Page 2 Part 1 Types of policy Page 3 What sort of policy do you have? Page 3 When will

More information

MORE CHOICE MORTGAGE CENTRE MORTGAGE GUIDE

MORE CHOICE MORTGAGE CENTRE MORTGAGE GUIDE MORE CHOICE MORTGAGE CENTRE MORTGAGE GUIDE All you need to know about buying and protecting your home THE FSA More Choice Financial Ltd, The Rufus Centre, Steppingley Road, Flitwick Beds MK45 1AH is authorised

More information

FAMILIES AND SOCIAL CARE SPECIALIST CHILDREN S SERVICES GUIDE TO TAX AND BENEFITS WHEN YOU FOSTER A CHILD

FAMILIES AND SOCIAL CARE SPECIALIST CHILDREN S SERVICES GUIDE TO TAX AND BENEFITS WHEN YOU FOSTER A CHILD Version 1.0 FAMILIES AND SOCIAL CARE SPECIALIST CHILDREN S SERVICES GUIDE TO TAX AND BENEFITS WHEN YOU FOSTER A CHILD Document Owner: Performance and QA Manager (CiC) Authorised: February 2013 Review Date:

More information

Countrywide Conveyancing Services. Sale handbook. Your sale questions answered. www.cwpl.com

Countrywide Conveyancing Services. Sale handbook. Your sale questions answered. www.cwpl.com Countrywide Conveyancing Services Sale handbook Your sale questions answered www.cwpl.com Sale handbook Your sale questions answered General information to which we will draw your attention during the

More information

APPLICATION FOR COMPENSATION FORM FOR A PERSONAL INJURY (Do not use this form for claims relating to fatal injuries)

APPLICATION FOR COMPENSATION FORM FOR A PERSONAL INJURY (Do not use this form for claims relating to fatal injuries) The Compensation Agency Royston House 34 Upper Queen Street Belfast BT1 6FD www.compensationni.gov.uk THE COMPENSATION Agency Reference number For official use only T4 Criminal Injuries Compensation Scheme

More information

Last reviewed: September 2015 Next review date: April 2016

Last reviewed: September 2015 Next review date: April 2016 Factsheet Pension Credit About four million older people are entitled to receive Pension Credit to top up their retirement income, yet just under half of those eligible are not claiming it, or are not

More information

First Time Buyer Mortgage Information

First Time Buyer Mortgage Information First Time Buyer Mortgage Information If you re thinking about a Mortgage for your first home talk to us today A good time to talk to us? We re here to listen and help you whenever you need to talk to

More information

Domiciliary Service Care and support at home for elderly and disabled people

Domiciliary Service Care and support at home for elderly and disabled people Department for Communities Domiciliary Service Care and support at home for elderly and disabled people Fact Sheet 10 (August 2015) If you are an older person or you have a disability, you may need some

More information

This guide has been produced by the Insolvency Service with the help and support of the IVA Standing Committee. The Insolvency Service would like to

This guide has been produced by the Insolvency Service with the help and support of the IVA Standing Committee. The Insolvency Service would like to This guide has been produced by the Insolvency Service with the help and support of the IVA Standing Committee. The Insolvency Service would like to thank the members of the IVA Standing Committee for

More information

A Guide to Lasting Powers of Attorney

A Guide to Lasting Powers of Attorney A Guide to Lasting Powers of Attorney Why do I need a Lasting Power of Attorney (LPA)? There may come a time when you lose the ability to manage your financial affairs or make decisions about your own

More information

Glasgow City Council. Housing Benefit and Council Tax Reduction Application Information

Glasgow City Council. Housing Benefit and Council Tax Reduction Application Information Glasgow City Council Housing Benefit and Council Tax Reduction Application Information Section 1 Personal Details To help us process your application and allow us to contact you if we need more information,

More information

Understanding tax. A guide to putting your tax matters in order 2015-16

Understanding tax. A guide to putting your tax matters in order 2015-16 A guide to putting your tax matters in order 2015-16 Introduction If you re ill or caring for someone who is, you may need to put your financial matters in order. This booklet explains how to handle your

More information