Dosh Winter Newsletter 2019-20

Welcome to the Dosh Money Pack newsletter for Winter 2019-20!

This edition of the newsletter was put together by Grace Sodzi, our Dosh Financial Assistant.

Download the full newsletter to read all our updates and tweet us @DoshTweets or contact us to tell us what you think.

If you have ideas for future newsletter pieces, please get in touch!

 

This edition includes:

 

 Dosh logo

The Dosh team

 

Dosh News

Car

Safer winter driving

 cost icon - image of tag with picture of coins and paper notes

Funeral costs update

Dosh logo

Dosh Days: our purpose and strategy

 

Benefits updates

Dosh BID and referral form changes

Keeping warm and health this winter

 Bill savings over winter

 10 great disability podcasts

 

Financial Advocacy in Action

January 9th, 2020

Posted In: News and Blogs

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Being an appointee – part 2

By Meike Beckford, Financial Advocacy Manager for Dosh

 

Here at Dosh, we’ve been thinking about what it means to be an appointee for someone’s benefits. In part 1, we talked about the basics of what you have to do as an appointee. Now, we are going to give you some tips, as well as some warnings, about how to avoid problems and be a successful appointee.

 

 

 

 

Check they are on the right benefits!

Don’t assume that the job centre or previous appointee has it all right. The benefits system is complicated and changes over time, as do the person’s circumstances, so what was right 5 years ago, may no longer be the best option. One of the most common changes we see missed is moving out of hospital or residential care – if the person moves into their own home, the family home or ‘supported living’, they can get more benefits than when they were in a care home. They won’t get these automatically though; you need to apply for them.

  • Care component of DLA or PIP. This is not paid if they are in a care home or hospital, so you need to tell the benefits centre when they move out so they can start payments for this.
  • Once you have this, you can then apply for the Severe Disability Premium on ESA. Speak to the benefits centre about applying for this as soon as they move (or ask for your application to be back-dated if they moved a while ago). There are lots of rules about who is eligible for this, so we can’t guarantee they’ll get it, but it’s definitely worth applying.
savings Report savings

If someone isn’t very active and likes a simple life at home, it’s easy for their savings levels creep up. DWP won’t always ask you to report their savings, so you need to keep an eye on them and report them when they go over £6,000 (for working age means-tested benefits) or £10,000 (for pension age means-tested benefits). The DWP usually finds out eventually and if they’ve been overpaying they will take the money back, so it’s best to stay up-to-date. It also avoids you getting a £50 civil penalty for not reporting.

post Respond to letters

For example requests for savings information or an invitation to apply for PIP. The person’s benefits will often get suspended if the DWP doesn’t get an answer and it is a lot harder to sort out afterwards.

appointee Check who is actually appointee

If you are the official appointee, you should receive the benefits letters directly and you should be able to contact the DWP without the person having to give you permission each time. If you are not sure if you are appointee (or someone else is), ask for a BF57 – this is the form that the DWP send when you become appointee. Making sure it is official makes it easier to manage the person’s benefits and makes it clear who is responsible for dealing with the claim.

Be confident about appealing decisions

With the volume of benefit applications and complicated rules the DWP deals with, it’s not surprising that mistakes and misunderstandings happen. If you’re not sure about the person’s benefit award, ask questions and get more information to make sure it is right. Speak to the benefits or job centre, look online, use a benefits calculator or get advice from your local Citizens Advice Bureau or Local Authority.

Car Use a Motability car effectively 

Motability cars are a way for people on the higher / enhanced mobility rate of DLA or PIP to lease a vehicle, with adaptations if they need them. They can be a great way to help people get out and about, but at a cost of £58 per week, it’s important to make sure they are right for that person. Think about how much they are using their car – if it’s only one journey a week to the supermarket, would a taxi be cheaper? Also make sure they are the ones using it and getting the benefit, as it is their benefit money that is paying for it.

Pay their fair share of joint costs

This can go either way, with some people paying nothing for fear of getting it wrong, and others paying for a whole group. Common sense should rule here – if they go for a group meal, they should pay for their share and if they are living in a shared house with family or friends they should contribute to bills and food they use. As a rule of thumb, what would you be happy someone doing with your money?

Acting on the person’s behalf

Dealing with other companies can be tricky, as appointees are only authorised by the DWP – it is not the same as Power of Attorney or Deputyship so you don’t have authority to manage their bank accounts, mortgage or tenancy agreements. That being said, you are responsible for spending the person’s money for them, for example to pay their bills. If you need to deal with a particular company, explain your role and ask to speak to their disability or vulnerable customer team who may have more experience in this area. If they require evidence, you can send your BF57 to show you are appointee and if you have problems, you may wish to speak to your local Citizens Advice Bureau or other advice centre.

 

Appointeeship is a great way to ensure that people who can’t manage their own benefits still get the money they need to live their lives.

We hope these simple tips will help you stay on top of your role and be confident in managing their money.

If you would like further information, read our appointeeship factsheet, or contact us to discuss a Money Check (for individuals) or Consultancy (if you are an organisation acting as appointee).

January 18th, 2018

Posted In: News and Blogs

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Dosh Newsletter Summer 2017

We have published the Dosh money pack newsletter for Summer 2017!

This edition of the newsletter was put together by Katie Scott, Dosh Financial Assistant.

Download the full newsletter to read all our updates and tweet us @DoshTweets or contact us to tell us what you think.

This is a quarterly newsletter and the next one will be out in the summer. If you have ideas for future newsletter pieces, please get in touch!

This edition includes:

 Dosh logo

The Dosh team

  

Dosh News

 

How to deal with debt and avoid it in the future

 

Are you paying too much for your utility bills?

 Cinema

Leisure village opens in Ely – what can it do for us?

 Benefits

Employment and Support Allowance (ESA) tips

 Electricity

Do we need PAT testing in people’s homes?

 Safeguarding

The NHS Safeguarding app

Support provider

How we work with support providers

 Story

Financial Advocacy in Action

September 28th, 2017

Posted In: News and Blogs, Uncategorized

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Dosh Newsletter Spring 2017

We have just published the Dosh money pack newsletter for Spring 2017!

This edition of the newsletter was put together by Katie Scott, Dosh Financial Assistant.

Download the full newsletter to read all our updates and tweet us @DoshTweets or contact us to tell us what you think.

This is a quarterly newsletter and the next one will be out in the summer. If you have ideas for future newsletter pieces, please get in touch!

This edition includes:

 Dosh logo

The Dosh team

 

Dosh News

 

Employing a PA: being an employer and automatic enrolment

 

The WaterSure scheme: have you applied?

 advocacy

Our award-winning Financial Advocate

 

Housing benefit eligible service charges

 

New benefit rates 2017-18

 phone

BT Basic

 

Financial Advocacy in Action

May 3rd, 2017

Posted In: News and Blogs

Tags: , , , , , , , , ,

Dosh Newsletter Autumn 2016

dosh logo

We have just published the Dosh money pack newsletter for Autumn 2016!

This edition of the newsletter was put together by Katie Scott, Dosh Financial Assistant.

Download the newsletter to read all our updates and tweet us @DoshTweets or contact us to tell us what you think.

This is a quarterly newsletter and the next one will be out in early 2017. If you have ideas for future newsletter pieces, please get in touch!

 

This edition includes:

Dosh logo

The Dosh team

new

Dosh News

gifts

Giving gifts on someone else’s behalf

support

Paying towards the cost of your care

Payment

Who should pay for Personal Protective Equipment?

law

Making a will

hot

Warm Home Discount

choice

Why are we scared of SDS?

happy

Financial advocacy in action stories

November 2nd, 2016

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