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A look at the how the sums听 work for the main means tested benefits. We start here by looking at the bits that add up to make your Applicable amount , which will be the highest amount that you might be able to get . Added "premiums" can mean that entitlement can听听go higher up the income scale than you might have been thinking.听

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Often people ask me whether they might qualify for 鈥渕eans tested鈥� or 鈥渋ncome-related鈥� benefits. Or tell me they think they probably have too much income for any benefits at all. However, many听听key benefits are not affected by your income and savings at all. Other folk are already claiming their entitlement, but are mystified by the letters setting out how their payments are worked out and wonder if they are getting the correct amount鈥�

So, in this blog, I am going to take a little peak under the bonnet and explain how your entitlement is built up and how those sums work. Now, the very word 鈥渟ums鈥� of course can send a shiver down the spine for those of us with an aversion to numbers; I am anxious not to re-awaken the childhood traumas of double maths on a Tuesday afternoon

So, fear not - this blog does not involve any advanced algebra nor quadratic equations. It鈥檚 mostly adding up one column and taking it away from t鈥檕ther. I will be using some common scenarios and examples with huge apologies to JK Rowling and JRR Tolkien

Besides, the main point of this exercise is not getting the arithmetic precisely right, but to shine a light on the concepts behind these benefits and how they work. In previous blogs, I went through what the main means tested benefits are and who they are for, looking first at the ones that top up income - and then at the ones for specific costs such as housing and health

The good news is that it is basically the same sum for all of these benefits.听听And that means:

1. 听that you don鈥檛 have to learn a totally different way for any particular benefit to check that you are getting the right money ; and
2. that qualifying for one can often passport you through the financial assessment for another, so you don鈥檛 have to fill in pages or send in evidence all over again.

The similarity is not accidental as they all have their origins in the sums for Income Support.听Tax credits came in later and work rather differently, so deserve a blog of their very own

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1. But isn鈥檛 this system on its way out?

Yes, it is. But not for a while yet , as reports of听听the end of these benefits was - like the death of Mark Twain- 鈥渟omewhat exaggerated". Originally, 听these were all - with the exception of Council Tax Support and Pension Credit - due to merge into the new Universal Credit (UC) by October 2017. However, the current target is to complete the switch to UC by December听听2023.

1.1. The transition to "Full Service" Universal Credit

Over the course of 2018, the 鈥渇ull service鈥� version of Universal Credit rolled out听听rolling area by area, with all areas having transitioned by December 2018.听听The switch meant Universal Credit became available to almost all potential comers and at the same time the older 鈥渓egacy benefits鈥�.

But this is far from the end of the former means tested benefits as:

• Some will continue to claim them: Anyone with more than 2 children cannot claim UC until 1.02.2019 and anyone receiving a 鈥渟evere disability premium鈥� within their legacy benefits will not be able to claim UC until invited to switch over mainly in the period November 2020 to December 2023. 听

• Those already receiving听鈥渓egacy benefits" can continue to receive them until they switch over either by a similar invitation or because of a change of circumstances that would have required a new claim under the old 鈥渓egacy system鈥澨�

So at the completion of the roll out of Full Service UC to all areas,听听the balance stands at 1 million people getting Universal Credit to 6.5 million getting the 鈥渓egacy benefits鈥� ; with some time to go before the balance changes and eventually the 鈥渓egacy benefits鈥� are due to disappear.听

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1.2 Think carefully before claiming Universal Credit

During this long period of transition between 鈥渓egacy benefits鈥澨�听and Universal Credit, you are free to claim Universal Credit instead of your legacy benefits whenever you want to 鈥� apart from if you come into those exceptions above.听

You may also be incorrectly told that a change in circumstances means that you know have to claim Universal Credit when this is not the case. There is a lot of wrong information about this within the official agencies such as JobCentre Plus, HMRC and local HB teams in local councils, based on wrong messages from DWP.听

Do get advice then before switching to UC whether this be of your own free will or because you have been told. While it may be that you do have no choice, often you do and you may want to work out where you stand in the different sums for 鈥渓egacy benefits鈥� v. UC and how UC works differently , to decide whether to switch and if so how make that process as smooth as possible.

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2. What about the 65 and a bit somethings ?

Universal Credit is largely a 鈥渨orking age鈥� thing, so men and women who are over the gradually increasing听Pension Credit (PC)听age, will continue to receive - and make new claims for- PC, even after December 2023. PC , then will survive Universal Credit鈥檚 bid to take over the benefits world :-) .听

The sums - both now and in the future - 听are simpler and more generous in pension age. If you are over the magical age of 65 and rising, you may want to go to the Pension credit sums blog 鈥� see in the links below听听- to find out more about how Pension Credit, helped with examples from the 直播色情片鈥檚 Magicroundabout Centre听

But before you go - if you have rent to pay, however older and wiser you may be - you may be interested in Housing Benefit below. And if you are one in a 鈥渕ixed age鈥� couple , you currently have a choice, whether the older partner claims PC or the younger one claims a 鈥渓egacy benefit鈥� or UC.听听so you might want to read on as well.

Having sent a large proportion of gentle readers off to spend time with Florence and Dougal in a parallel blog, my thanks to the rest of you for staying. If you are below the PC age line, this is definitely the hip and happening place to be听

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3 The basic principles of the sums

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3.1 A simple sum

At its simplest, these benefits - and the tax credits and Universal Credit that are a sufficiently different听听different to really need their own blogs on another day听听- all work on the same basic principle of:

• adding up your maximum potential entitlement according to your circumstances to arrive at your听鈥渁pplicable amount / maximum amount鈥澨�. This isn鈥檛 the amount you will get but the amount you will be topped up to.

• adding up your other income - with some important exceptions - to get to your听鈥渁ssessed income鈥�

• and then taking one from t鈥檕ther ,听to arrive at the amount of benefit due. 听

For example: If Harry鈥檚 maximum entitlement for say Income-related ESA was 拢130 a week and he had 拢100 a week coming in from other income, then Ir-ESA would top him up to that 拢130 by means of adding another 拢30 a week.

And if his carer, Hermione, who lives in her own place, had an Income Support amount of 拢115 and an income of just 拢65 Carers Allowance, then Income Support could top her up by 拢50 to bring her income up to the 鈥渕inimum that the law says that you need to live on鈥�, as it will say on their respective letters.

But what if your income was more than your applicable amount? Well for those benefits that just top up your income it would simply mean that you wouldn鈥檛 get any. But that isn't the end of the story for Housing benefit or Council Tax Benefit:听

For example:听Galadriel has Contributory ESA and other income that takes her - for now - 拢20 over her applicable amount so she can鈥檛 get Income- related ESA, 听but she can get Housing Benefit

3.2 Applying a taper

So, there can be a twiddly extra step in the sums for Housing Benefit:

• anyone with income听below or equal to听their applicable amount, qualifies for听Full Housing Benefit听, the maximum amount the rules allow for help with rent. So that鈥檚 why anyone getting one of those means tested top up benefits automatically gets Full HB without having to go through it all over again.

• If income is听over听the applicable amount, it doesn鈥檛 mean a听鈥淪orry you can鈥檛 get anything鈥澨齦etter as with the others. Rather your potential Full Housing Benefit would tapers away according to how much your income is over that applicable amount. You may well get some听Partial Housing Benefit

HB would take 65% of the 鈥渆xcess income鈥� and take that away from your potential Full Housing Benefit. If you hate %ages just hit 鈥渪 0.65鈥� on your calculator:

For example:听Galadriel has 拢20 too much to get any Income-related ESA She can still get Housing Benefit, but the Full Housing Benefit will be reduced by 65% of 拢20 or 拢20 x 0.65= 拢13.00

So that essentially is it. Simples?

You can see that real life is going to get a bit more complicated , as:

• 听 the amounts aren鈥檛 going to be quite such nice round numbers as in these examples
• 听 and there is the question of what makes up each person鈥檚 applicable amount.

So, in the rest of this blog, I will take a look under the bonnet, so you can see what building blocks go towards make up your 鈥渁pplicable amount鈥�

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4. Other general principles for claiming means tested benefits

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4.1 Who do I claim for?

You claim as a 鈥渂enefits household鈥�, so that if you have a partner you would make a joint claim. That means some allowances will be made for you and your Applicable Amount will be a little higher than for a singleton. But it also means that both your incomes count.

For example:听Gandalf is smitten by the Balrog. He gets Contributory ESA as of right without reference to most income. But Income-related ESA will take into account the Balrog鈥檚 earnings from his zero hours contract with Mordor

Under the old - and largely current - system in this blog, any dependent children or young people still at college would be claimed for separately under Child Tax Credit, regardless of whether the parents were in paid work or were unable to for now

Any other person living in the house - a lodger, elderly parent or grown up child - will be separate benefits units in their own right and would claim independently if they had an entitlement.

For example:听Merlin moves in with his childhood sweetheart Morgan. Together they would be one unit for benefits purposes. Upstairs lives Morgan鈥檚 mother Igraine who would be another unit, if she wasn鈥檛 so fabulously wealthy. However, Igraine鈥檚 great wealth will have no bearing on Morgan and Merlin鈥檚 claim. Down in the basement is believed to be Morgan鈥檚 son, Mordred, surfacing rarely to raid the fridge, who would also make his own claims.

The house then contains 3 totally separate benefit units. The only link is that sometimes the presence of other adults can affect Housing Benefit, but there is an important exception that covers many people affected by cancer.

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4.2 Savings

There is a capital and savings limit on all of these benefits (except Pension Credit or tax credits). You mustn鈥檛 have more than 拢16,000 to make a claim.

Your own house, possessions, car, etc are all ignored. As is money locked away towards a pension. But other wads of cash whether in the bank or under the bed do count. As do second properties (with some exceptions).

So, if you have less than 拢16,000 you can claim. And if it鈥檚 less than 拢6,000, the savings will have no effect at all

In between 拢6,000 and 拢16,000 you can still claim but will be treated as having a tariff income from them. Any actual interest payment you receive is ignored and instead a rather higher 鈥渢ariff income鈥� is applied : for every 拢250 over the lower 拢6,000 limit you are treated as if you have an extra 拢1 a week income.

For example:听Hermione has 拢10,000 in a very prudent safety fund only to be spent in dire emergency, need to escape or on books. The first 拢6,000 is ignored, but she he is treated as having 拢4,000 / 拢250 = 拢16 a week more in income than she actually has.

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5. How much will my Applicable amount be?

This is made up of three main parts:

1. 听 A听personal allowance听per adult in the benefit unit - usually a single or couple rate
2. Housing Costs听鈥� formerly help with mortgage interest paid to a lender which is now a separate scheme and a few other remaining housing costs not covered by Housing Benefit
3. Premiums听and Components听-听extra amounts for age, sickness, disability and caring that may come along in time, be missing or require some action to obtain.

The first two are fixed and you can鈥檛 do much about them - the only way to increase your personal allowance is by becoming one of a couple or turning 25. Housing Costs are based on those remaining costs that apply , so again are fixed.

But it鈥檚听鈥減remiums鈥� - often connected with PIP claims - that can make a real difference and produce an income that while not extensive can make the difference between听鈥渓iving and merely existing鈥�

Some will get added on reasonably reliably as circumstances change, others require careful checking or some action to get added in.

Premiums though, are听not听separate benefits in themselves, but extra amounts that get added into your applicable amount when working out how much of a means tested benefit you will get.; you apply for that benefit not the premiums. But the higher your applicable amount, the greater the amount that you will be entitled to after your income is taken away.听

So, adding a premium worth 拢64.30 may indeed increase your benefit by that amount. But in other cases, it might be that the premium makes the difference between having income 拢20 over your applicable amount and so not getting that benefit at all and being 拢64.30 -拢20= 拢44.30 under and getting that amount in the benefit, as well as the other advantages of being entitled to even just 10p.听

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6. Premiums with an element of one or the other

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6.1 ESA components

While not technically a premium, these do the same thing for those claiming听Income-related ESA听as the Disability Premium that they replaced in the previous Income Support (for sickness) that ESA replaced . The ESA assessment process will allocate you to one of two groups, each with an additional component that usually kicks in after 13 week 鈥渁ssessment period.

These are:

• 听 a听Support Component -听拢37.65 a week; or
• 听 a听Work Related Activity Component听- either 拢29.05 a week, but cut to nothing for new claims after 3rd April 2017 (with some exceptions)

Couples only get one component between them 听even if they would both qualify individually and there is no higher couple rate.

Many who are听鈥渁waiting, receiving or recovering from cancer treatments鈥�听such as chemo or radiotherapy,听听would normally bypass most of the test and get听Support Component听from week 14 Those with more advanced and life-limiting cancers may get this from the start of their claim.

The听Work Related Activity Group听tends to come in for those too unwell to actively work or jobseeker perhaps in a 鈥渨atch and wait鈥� treatment plan, or some while into recovery from major treatments when over the immediate side effects but having a rough time with late effects.

They will have to undergo the full Work Capability Assessment which will determine: which group you come under or even whether you are sufficiently unwell to remain on ESA

If you have worries about an assessment or get a decision you feel may be wrong, do get advice.

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6.2 Enhanced Disability Premium

There are two routes to this extra amount of 拢16.40 single or 拢23.55 for a couple claim:

1. 听 for all of these means tested benefits - if a claimant or their partner gets the enhanced rate of PIP Daily Living or DLA Care at the highest rate.
2. 听 In addition tfor thioose claiming听听Income-related ESA only - you also qualify if you are in the ESA听Support Group,

This is a handy extra and is a common reason why people on the non-means tested Contributory ESA - but without much other income - might get a top up from Income-related ESA. The basic rates and components are identical between the two types of ESA听听But only Income-related ESA includes this EDP - and other premiums too.

The EDP often goes missing on award letters, so do check that it has been included in your sums ; it is often listed as Disability Income Guarantee.

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6.3 Disability Premium听(all except Income related ESA)

This was the one that ESA components replaced, but it remains for those on income Support or Income-based JSA.

The condition for getting the disability premium are a bit more straightforward . Either :

1. 听 the claimant or their partner receives any rate of DLA or PIP
2. 听 the claimant only has been ill for 52 weeks or more, but mostly such claimants would be on ESA

For singles the rate is 拢33.55 . Although, as with ESA components, is only is included for a couple whether only one or both would qualify, there is a higher couple rate, at 拢47.80.

Sometimes there is a choice as to which benefit to claim and so which to go for : ESA component v disability premium. 听It's not just the respective rates, though as the extra of a disability premium could be outweighed if you could get an EDP under ESA,听听but not under Income Support.听

It may be that switching from one to the other helps if eg an ESA component is taken away or a qualifying benefit for a disability premium kicks in. But do keep in mind that switching may at some point lead you into UC instead. If in doubt get advice.

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6.4 Pensioner Premium

The simplest and the biggest of the premiums. If applicable, this effectively replaces any combination of the above e.g. you would get a pensioner premium instead of an ESA component/disability premium with and/or edp.

The condition is simply;
听- either you or a partner are over Pension Credit age.

The single rate听听of this premium, worth 拢89.90 a week, was there for men in that awkward age 鈥� once between 60 and 65 - when they could either continue to claim 鈥渨orking age鈥� benefits until they took Retirement Pension at 65 or switch (in means tested benefits at least) over to Pension Credit. The premium filled the growing gap between the frozen single rate of 拢73.10 and the still inflation protected Pension Credit amount of 拢163.00.听

However, with the Retirement Pension age rising, this gap has been getting smaller and in November 2018 disappears as the common equalised Retirement Pension of 65 is reached and now starts rising towards 66.听

The couple rate - of 拢133.95 in 2018/19听听- remains important as under legacy benefits there is a choice for 鈥渕ixed age鈥� couples 鈥� as to whether the younger partner maled the jpont claim for one of the working age benefits or the older partner leads on a joint Pension Credit claim. Again the premium fills that huge and growing difference. If you really want to stick with working age benefits then you could do so without any great losses in the basic sums.

But now is the time to change your minds !! UC will :

• firstly remove the choice for new claims at some point in the future; instead the younger partner will have to lead on a joint UC claim until they too 鈥渃ome of age鈥� .
• And secondly UC has no equivalent of the 鈥減ensioner premium" which will mean a potential loss of 拢133.95 a week for all such couples. 听

Again more in the UC blogs, but for now 鈥渕ixed age鈥� couples would do well to look at claiming Pension Credit while they still can.听

Example: Dumbledore and Mrs McGonagle have finally plighted their troth. Although Albus is over PC age, the couple opt to claim Income Support instead, because Dumbledore can be a bit absent minded with the finances. Their couple Pensioner Premium brings their joint 鈥渁pplicable amount鈥� of 拢114.85 up to the more generous PC couple amount of 拢248.80. But Mrs McG might well consider a spell to manage the finances if they swap to Pension Credit while they still can

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7. Premiums always paid on top: carers and severe disability:

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There is a bit of an either/ or around the premiums above:

• 听 it' s a straight either/or between disability premiums , ESA components or pensioner premium .
• 听 And while you can have an EDP on top of the first two, you can鈥檛 have it with a pensioner premium.

However, the following two important premiums for many people affected by cancer can be included on top of any of the previous one. They also feature under Pension Credit where they are called 鈥渁dditions鈥�

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7.1 Carer鈥檚 premium

The condition for this premium - worth 拢36.00 a week - is that:

• 听 either you receive Carers Allowance (CA); or

• 听you would have received it, but for another of the non-means tested "earnings replacement benefits" - 听eg听Contributory ESA听or听Retirement Pension听- getting in the way. You still retain an "underlying entitlement"听to CA

Where both partners qualify, you can have one each added in to the joint applicable amount.

Under these legacy benefits, 听common sense and a respect for the principles of the Equalities Act, overcomes the initial first sight apparent contradiction between being 鈥渄isabled鈥� and a carer at the same time. If you stop and think about it many people can be both at the same time:听

• being disabled does not mean passively sitting in a corner with a rug over your knees. Living with cancer brings real difficulties and moments when reclining on a chaise longue looking pale and interesting is the limit. But at other times you will still make valuable contributions to family, community, work etc.

• being a carer for benefit purposes is not the often hard physical work of a full time carer employed by Social Services. For the small amounts of carers allowance or premium you may just be around, giving verbal encouragement and talking things through or being there to call for help.

But a word of warning: there are times though when if you stand to actually be paid the Carers Allowance, 听you might adversely affect the entitlement to the severe disability premium for the person you support. So, then you need to weigh up any gains or losses. Sometimes though they can't get an SDP anyway, in which case you are good to claim; sometimes it may be better not to. Get advice and/or see the blogs on carers benefits for more on this 鈥渃arer鈥檚 conundrum鈥�

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7.2 Severe Disability Premium

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It鈥檚 a bit complicated and intentionally so as extra restrictions - criticised for added complications and lack of relevance to disability - were put in when the then Government were reluctantly forced to continue with an additional premium for the more unwell/disabled.听

But by all means pop the kettle on and return to this with your favourite dunkables 鈥� That said, it鈥檚 fiddly rather than rocket science鈥�

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The conditions for an SDP are:

• 1. you must be听getting one of the听qualifying 鈥渄isability benefits鈥澨�- Attendance Allowance, DLA Care or PIP Daily Living. Any rate of AA or PIP Daily Living but with DLA it has to be middle or highest rates. So far so 鈥渟evere disability鈥�; and

• 2. you must听鈥渃ount as living alone鈥澨�- simples if you actually do - just tick a box, but if there are others they may be ignored if they are on a list devised for a totally different purpose under Housing Benefit !!! Erm鈥�eh???鈥�you may say, as did the Courts.; and

• 3.听no-one must be actually receiving Carer鈥檚 Allowance听for looking after you - but it鈥檚 Ok if you claim the CA and get the 鈥渟orry we can鈥檛 pay you鈥︹�� letter and to get the Carers Premium,

So for example:

• Harry has the right level of PIP but lives with his Uncle Vernon and Aunt Petunia so he can鈥檛 鈥渃ount as living alone鈥� so he cannot get an SDP.

• Ron has a similar rate of PIP too, but lives in his own place and so can get one

• Norbert lives separately from his friend and carer Hagrid - as a fire precaution - and gets the right levels of disability benefit. But because Hagrid, actually 鈥渞eceives鈥� Carers Allowance, Norbert cannot get an SDP

• Albus Dumbledore is getting Attendance Allowance, but now lives with Mrs McGonagle so her presence stops them him getting an SDP. However, she receives a cancer diagnosis and is helped to claim PIP in her own right. As a result, each of them is ignored for the purposes of the others SDP and so they each count as living alone. The couple are now eligible for two SDPs whereas before they could have none鈥�

Couples can get both two Severe disability premiums /additions听听and two Carers premiums /additions 听at the same time:

For example: Some time later, Mrs McGonagle pops into 直播色情片鈥檚 Hogwarts and the Benefits Adviser suggests they could also claim Carers Allowance for looking after each other. Now if either of them actually received the Carers Allowance that would mean goodbye to one or both SDPs.听

But by dint of having paid enough National Wizarding Insurance contributions, Mrs McGonagle is getting Contributory ESA that would block the actual payment of any Carers Allowance to her.听听However, she would still be entitled to the carers premium if she claimed that CA. In this situation, then,听听the severe disability amount for DP for 鈥淒ear Albus鈥︹�� is protected .听听

And because he in turn is on Retirement Pension, Dumbledore can do the same and claim a Carers Allowance that is also blocked - this time by the pension RP - and receive a carers addition without harming the SDP for 鈥淢rs McG鈥� as he fondly risks calling her.

So as well as 2x 拢64.30,听听a couple can also have 2x 拢36.00. And that is quite right, when you stop and think about it. 听Many couples work as a team compensating for different difficulties and playing to their strengths. Both need and receive support, but also both give it, well and truly earning their carers premiums and saving the public purse a small fortune in care costs.听

But as we will see , UC is having none of this. The key impact UC will have on people on current benefits is that if their carer is on UC, even just an underlying entitlement to UC carers element will spell the end of their SDP. Meanwhile if their carer also has health problems - often brought on by that very caring - they cannot get the equivalent of both an ESA component and a carers premium as they can under ESA.

And in weighing up a switch to UC people have to remember that there is no SDP - or any other adult disability premium in UC.听

A mixed age couple like Mrs McG and Albus would if forced - under future rules- to claim UC rather than Pension Credit, stand to lose some 拢250 a week, compared to Pension Credit - no pensioner premium, no SDPs and just one carers element.

Anyway,听back in the present, SDP is a bit complicated, 听but hopefully not excessively so if you take it one step at a time.听rocket science and is available

But so many people who are entitled miss out:

• 听 you do need to know that you are entitled and it can feel rather counter intuitive
• 听 you do need to get hold of the short form required and many DWP staff are a bit hazy about it.听

There is no publicity to tell you or them.

• It's hard enough to听to realise you should have an extra in a benefit that you are currently getting听
• it can be much harder to work out that you may only now be entitled to claim that benefit in the first place, especially if you were previously correctly turned down for too much income and have only just had an increase.

SDP then is perhaps "the premium that dares not speak its name" 听And perhaps it needs an SDP Pride week or two to celebrate it. Once, in kinder days, the DWP did do a trawl to look for unpaid SDPs and found thousands unpaid. They have refused to run that again.

As advisors, we often come across people who have been missing out, perhaps for years and in two ticks and a signature sort out a real increase now - and thousands in arrears. And then Advisors can begin to feel like real wizards 鈥�

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Enough already鈥�

A nice lie down in a darkened room may now be called for after that run through of the Premiums

But while personal allowances are stuck at something less than 1960s basic subsistence rates and housing costs are limited and cover a bill that has to be paid anyway , it鈥檚 Premiums 鈥� aka additions that can make the difference between 鈥渓iving and merely existing鈥�.

I will finish off with an example of how they can build up :

鈥溌�57.90? and that鈥檚 for a whole week鈥� said Ron rather dejectedly

鈥淭old you it was a waste of time鈥�, said Dougal sarcastically . "I鈥檓 off to the garden"

鈥淪houldn鈥檛 you be in another blog?鈥� said Ron dangerously 鈥淟ike the one听听鈥�.鈥�

鈥� Ah, but that鈥檚 only for now, 鈥� said Bilbo the Benefits Advisor . 鈥淭hat allowance will go up to the adult rate of 拢73.10 from week 14 of your ESA claim plus an extra 拢37.65 Support Component. And that in turn will entitle you to 拢16.40 enhanced disability premium. So, your ESA will end up at 拢127.15 a week.
鈥淎nd we are also going to have a go at PIP. It鈥檚 not as definite as ESA,听听because you aren鈥檛 guaranteed to get it because of your chemo that lies ahead ahead, but it may well be that you qualify and that will be extra.鈥�

鈥淎nd if you do get a positive answer from PIP, do let me know as you might听听then qualify for an extra 拢64.30 in your ESA鈥�

鈥淕reat Goblets of Fire!!鈥� , said Ron, enthusiastically

鈥淚鈥檒l come back with you鈥� said Dougal, doggedly 鈥淢oney or not, they do some ace sugar lumps in this 直播色情片鈥檚鈥︹��

If you have any comments or queries about any of the premiums or other issues raised in this blog please post in the forums. 听

For a more individual, private and specific check to ensure you are getting all the amounts you should in any existing claims for the benefits in this blog, whether you might be in an exception that can claim or switch between them or about claiming Universal credit as the new alternative, please speak to a Benefits Advisor at your nearest 直播色情片鈥檚 Centre.听

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