Summer Newsletter 2019

Welcome to the Dosh Money Pack newsletter for Summer 2019!

This edition of the newsletter was put together by Grace Calvert, 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.

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

 support

Project 2000

 

Universal Credit update

WCAinfo and PIPinfo – benefits assessment websites

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

Supporting energy customers in vulnerable circumstances

 local authority

Council Tax guide

benefits

Support for Mortgage Interest Loan

PIP Benefits

 

Financial Advocacy in Action

August 22nd, 2019

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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Benefit changes 2017-18

Will my benefits change this year? Most benefit amounts have stayed the same for a few years, but from April 2017 some of them will go up. Here is Dosh’s guide explaining the changes:

 

 

Why do benefit amounts change?

The amount that people get in benefits often goes up each year in April because of inflation. Inflation is a word for when prices go up so money is worth less. Inflation means that in 2017 you can buy less for your money than you could in 2016. For example, a 2% rate of inflation would mean that something costing £1 last year would cost £1.02 this year. If you want to learn more, you can watch an accessible video about why prices go up over time.

Inflation means that to be able to afford the same amount of things, the money you have coming in needs to go up by the same amount as other prices are going up each year.

 

Why did benefits not go up last year?

The government chooses how much is paid for different benefits. They decided that working age benefits were going to be frozen (stay the same amount) for 4 years from April 2016. This means that pensioners will get more money each year, but people who are younger than retirement age will get the same amount from April 2016 to April 2020.

The government has decided that some benefits will still go up each year while most people’s benefits stay the same. Disability benefits are some of the benefits which have been protected. These benefits are:

  • Personal Independence Payment (PIP)
  • Disability Living Allowance (DLA)
  • Disability premiums – the extra money you can get with some benefits for being sick or disabled
  • Employment and Support Allowance (ESA) Support Group component

 

How much will disability benefits change by?

Disability Living Allowance (DLA) and Personal Independence Payment (PIP) are paid to anyone who is disabled. It doesn’t matter if you are in work or how much savings you have, you just need to meet the criteria and score enough points at assessment.

DLA and PIP will both go up by the same amount this year:

Old weekly amount New weekly amount
Low Rate Care

(DLA only)

£21.80 £22
Middle Rate Care (DLA)

Standard Daily Living (PIP)

£55.10 £55.65
High Rate Care (DLA)

Enhanced Daily Living (PIP)

£82.30 £83.10
Low Rate Mobility (DLA)

Standard Mobility (PIP)

£21.80 £22
High Rate Mobility (DLA)

Enhanced Mobility (PIP)

£57.45 £58

 

How much will income replacement benefits go up by?

Employment and Support Allowance (ESA), Income Support (IS) and Jobseeker’s Allowance (JSA) are paid to people who are not working. ESA and IS are benefits that replace earnings for people who can’t work because they are ill or disabled. JSA is also a benefit replacing earnings for people who are not in work and some people claiming it are ill or disabled. These benefits will not change for most people. The main part of the benefit, called the Personal Allowance, has been frozen and will stay the same.

Some people who get these benefits and are ill or disabled get an extra payment on top of their personal allowance called a premium. To be entitled to a premium you need to be in the Support Group or be getting a certain level of DLA/PIP, along with other conditions. These are going up this year by this amount:

Old weekly amount New weekly amount
Enhanced Disability Premium

 

£15.75 £15.90
Severe Disability Premium

 

£61.85 £62.45
Support Group component

 

£36.20 £36.55

This means the most you can get in Employment and Support Allowance (ESA) has gone up from £186.90 to £188 per week.

 

Are any benefits going down this year?

Most benefits are not going down. There have been some rule changes for the benefits cap which means that some people will get less money overall. But this does not apply to people who get disability benefits (PIP/DLA) or Carers Allowance. You can learn more about the Benefits Cap and find out if it applies to you on the DWP website and other advice sites such as Turn2Us.

There are also changes for people in the Work Related Activity Group for ESA if they have made a new application after 3rd April 2017. If you are already getting ESA in the Work Related Activity Group this should not affect you. You can learn more about the different ESA groups and the changes on the Citizens Advice website.

These changes will not affect everyone. If you think you will be affected then you should get more advice from Citizens Advice Bureau, your local Welfare Rights organisations, or from your Dosh advocate.

 

Where can I get help with my benefits?

If you have any more questions or are worried that you are not being paid the right amount, there are lots of websites which can help you. For example, Turn2Us, EntitledTo and Citizens Advice Bureau. You can find them and many more resources in the ‘Links’ page on our website.

If you support a family member with their money and benefits and would like to learn more, our ‘Factsheets for Family Carers’ cover topics such as ‘Benefits’ and ‘Where does the money come from?’ which could also help.

If you want to learn more about Dosh Appointeeship or Financial Advocacy, please get in touch to find out how we can support you.

 

 

March 28th, 2017

Posted In: News and Blogs

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I, Daniel Blake: a financial advocate’s perspective

I, Daniel Blake film poster

By Maddy Hubbard, Financial Advocate for Greater Manchester and the North West

I, Daniel Blake follows the story of a joiner from Newcastle who has to stop work due to a heart attack and encounters the benefit system for the first time.

The film follows Daniel through his “claimant journey” (to use DWP language) of applying for ESA, being told he is fit for work, and having to claim Jobseekers Allowance. In turns confused and frustrated by the system, Daniel is stuck between having to search for work to get his benefits whilst being told by his doctor he shouldn’t be working for the sake of his health.

The director, Ken Loach, is known for tackling contemporary social issues in a powerful, realist way, such as his 1966 film Cathy Come Home about homelessness. When it was released, it made many people change their mind about homelessness and led to the start of the charity Crisis.

I, Daniel Blake is another powerful film about our society, but this time Loach has focused on welfare and the benefits system. It has divided opinions, as some reviewers felt the film was unrealistic and made to make a political point, whilst others have argued that the film reflects many people’s experiences and that the government should change its policies.

Accepting an award for the film, Ken Loach said “film can bring us the world of the imagination. But it can also bring us the world that we live in. We must give a message of hope. We must say that another world is possible, and necessary.”

As a financial advocate who supports people with their benefits every day, I found some of the most heart-warming moments of the film to be when people took the time to really listen to Daniel and try to help him. These people included his doctor, one of the DWP work coaches and the benefits advisor who helped Daniel prepare his ESA appeal.

It is important for everyone to remember that they don’t have to go through the benefits system on their own. There are organisations such as Citizens Advice Bureau that can help, free of charge, and plenty of advice websites including Turn2Us, Benefits & Work, and EntitledTo.

If, like Daniel, you are found fit for work and need to make an application for Jobseekers Allowance or Universal Credit, you should also bear in mind that like every other organisation the DWP is required to make ‘reasonable adjustments’. This could mean changes to how many hours you need to spend searching for jobs or other parts of your claimant commitment (the things you need to do to keeping getting your benefits).

Reasonable adjustments are a legal requirement to help people with a disability overcome the difficulties that are not faced by people who are not disabled. Reasonable adjustments can also be requested by other people, for example single parents who can’t look for work 8 hours per day as they need to pick their children up from school.

It is important to be honest and make sure that the Jobcentre knows about anything that will affect your ability to look for work. If you agree to a claimant commitment that you can’t meet then you will be sanctioned and your payments will be stopped.

This is where it can be really helpful to have an advocate in your corner. Someone who knows the system and can help you understand your rights and communicate your needs.

Many people would find it reassuring to have someone support them through their benefit claim, but for lots of people with a learning disability it is additionally important as many don’t have the capacity to understand what is needed to manage their benefits. This is where Dosh tries to help.

Dosh financial advocates support people using our considerable experience of disability benefits. We understand how benefits are changing and what the forms are really asking. We help people to complete benefit applications and ensure they are getting all the benefits they are entitled to, as well as challenging wrong decisions.

We can’t help everyone, but our mission is for people with a learning disability to have independence and control over their money. Getting the right benefits is a key part of enabling people with a learning disability to have a good life.

To reach out to more people, we share our experience and knowledge in other ways too. For example, we work with different groups and individuals to do research and create resources that can help people understand the benefits system. Our factsheets for family carers help families support their relative with their money and benefits.

We would love to work with more self-advocacy and family carer groups in the future, to provide talks about how benefits are changing or workshops to help people build their skills.

If you have an idea about how we can support you, please get in touch via our website or on twitter @DoshTweets.

November 7th, 2016

Posted In: News and Blogs, Uncategorized

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