Other Benefits and Support
Help Through Crisis (HTC) aims to assist Island residents who are in genuine hardship, enabling them to quickly access help in an emergency. There is a limited fund to provide immediate emergency help with food, gas and electricity. This can only be offered to those in the most need and as a last resort. No cash can be given but help will be provided to find other sources of assistance.
Details of the scheme and how to apply are available on their website isle help me.
The aim of Pension Credits is to:
- Ensure a minimum guaranteed income for pensioners.
- Reward people who have modest savings.
- Significantly increase the number of pensioners who receive additional financial help.
The government’s Pension Service administers Pension Credits and deal with:
- Issue payments.
- Customer contact.
The Pension Credit has two parts:
- Guarantee Credit - which replaced Minimum Income Guarantee and depending on your circumstances could still mean entitlement to 100% Housing Benefit and Local Council Tax Support.
- Savings Credit - is a Government allowance for pensioners who are 65 and over to reward them for some of their savings and income they have saved for their retirement.
The Pension Credit hotline operated by the Government’s Pension Service is 0845 60 60 265 or visit the Pension Service Website.
Personal Independent Payment (PIP)
Personal Independent Payment (PIP) replaced Disability Living Allowance (DLA) for working aged people.
Existing Disability Living Allowance working age claimants will begin a staggered transfer over to Personal Independent Payment (PIP) from October 2013. The aim of PIP is to ensure that customers with disabilities are better assessed than how they currently are under DLA. PIP helps towards some of the extra costs arising from a long term ill-health condition or disability and is based on how a person’s condition affects them, not the condition they have. It is not means-tested or subject to tax and it is payable to people who are both in and out of work.
For further information regarding Disability Living Allowance and any relevant changes can be found on the GOV.UK website.
General information on Personal Independence Payment can be found on the Department for Work and Pensions website .
If you need independent advice you can visit :
First Right of Appropriation of Funds Order
Can a bank take housing benefit to pay my overdraft?
Banks are not allowed to use housing benefit or any other benefit to repay an overdraft. You can protect your housing benefit payments by telling your bank it should only be used to pay your rent. This protection is called a 'first right of appropriation of funds order'. You can use the first right of appropriation on any money being paid into your account. For example, you may want to make sure that your job seekers allowance (JSA) is used to pay your electricity bill and water rates. You will need to tell your bank how to use these payments.
How do I request a first right of appropriation of funds order?
You need to write to your bank at least seven days before your housing benefit is due, making it clear that any regular payments or future deposits from Isle of Wight council are to pay for your rent only. For example, you may want to instruct your bank or building society:
"On or around August 20th, and every 2 weeks after, my housing benefit will be paid into my current account number 0101010101. I am exercising my first right of appropriation over these funds and wish you to pay the following items from it: £75 standing order payable to my landlord, Mr Smith on the 25th of the month."
Keep a copy of the letter in case there is any dispute later. You may want to ask your bank/building society for a written acknowledgement of your instructions.
If there are any items you no longer want to pay from your account, or which you cannot afford, you should give your bank separate cancellation instructions. This is because the first right of appropriation does not stop the bank paying items as well as those you have listed. If you do not cancel these items, your bank may return the items as unpaid, which they may charge you for. However, payments from your account to re-pay a loan with the same bank cannot be cancelled.