Will I Lose My Benefits If I Get Married?

[Lala8876]

Hi

I'm hoping someone can help. I am currently registered disabled and get ESA as well as PIP. Next year my partner and I are looking to move in together and get married but I was wondering if that would affect my money.

He gets quite a good wage of £400 plus a week but he's always skint as he has 3 children from a previous relationship he pays for as well as clearing old debts so we really need my money to pay for a lot of things.

I hope someone can help

Thanks

[jomifl]

Retro.
/jomifl -that has absolutely a) nothing to do with the OP and b) nothing to do with jourdains comment on getting taxed on income as a married person. /
I know that retro but if the financial implications of getting married( or not) are being considered then all the implications should be considered, not just the immediate ones. No one knows when they are going to die if we did it would be a lot easier to do our financial planning.

[Peter Pedant]

jomifl - yur advice is OK if she is thinking of dying which i dont think she is

also you have forgotten the effect of the 325k nil rate tax band for IHT
and the effect of wills

[EDDIE51]

^^ Yes but as said, contribution based ESA only lasts the 1st year.
As you are already on income based ESA it will be accessed on joint income as soon as you start to live together.
The money your partner has to pay for his children will be allowed as a deduction from his income.
It is well worth talking to a benefits adviser from the CAB who will explain the situation and work out the options.

[murraymints]

Hc your wife will get contribution based ESA for 12 months only and will then be required to complete a form for income based ESA when ALL income is considered including yours as spouse, for eligibility requirements

[Peter Pedant]

ubasses may chip in
she was one, once
( CAB bod )

[jomifl]

PP, I don't think inheritance tax applies to people who aren't married, just to family inheritances.
My brother wasn't planning on dying but he did anyway.

[New Judge]

Other way round, jomifl.

There is no IHT payable on estates left to spouses or civil partners. Estates with bequests to other people are free of tax up to £325k. As well as this a surviving spouse/civil partner assumes any unused amount of the £325 tax free sum from their deceased spouse/civil partner be effectively making the tax free allowance for a couple £650k.

[wolf63]

I get ESA and get the Contribution based version - there is no time limit when you are the support group.

https://www.gov.uk/employment-support-allowance/what-youll-get

[hc4361]

murraymints, she's been on it for years.