The cap applies to your whole household; that includes you, your partner and any children you're responsible for. You'll need to know the benefits everyone in your home gets to know whether you'll be affected. It doesn't include the benefit income of anynon-dependant.
There are, however, a number of exemptions which mean you won't be affected by the cap, and won't have your income reduced.
You won't be affected by the Benefit Cap if you or your partner:
Claim Working Tax Credit (even if you don't receive it due to your income)
Earn more than £520 a month combined and receive Universal Credit
Are over Pension Credit Age
Are in the support group of Employment or Support Allowance or found to have limited capability for work-related activity in Universal Credit because of a health condition or disability that prevents you from working
Receive Carers Allowance or the care component of Universal Credit because you care for someone with a disability
You also won't be affected by the Benefit Cap if anyone in your household receives any of the following benefits:
Armed Forces Compensation Scheme
Armed Forces Independence Payment
Disability Living Allowance (DLA)
Employment and Support Allowance (if you get the support component)
Industrial Injuries Benefits (and equivalent payments as part of a War Disablement - Pension or the Armed Forces Compensation Scheme)
Personal Independence Payment (PIP)
War Widow's or War Widower's Pension
What can I do?
Ask us for a benefit check. You or a member of your household may be entitled to a benefit that will exempt you from the cap.
Challenge the decision- If you think there has been a mistake when calculating your benefits, you should challenge the Benefit Cap decision. Callor email us on firstname.lastname@example.org we can help you appeal against your income being reduced.
Draw up a budget- Now might be a good time to make a list of all your income and outgoings. Drawing up a budget will help you figure out whether you can still make ends meet if you're ever affected by the Benefit Cap.Learn more about managing your money.
Cut costs- It can be difficult to increase your household income when you regularly have more money going out than you have coming in. Visit our money management advice pagefor a few quick tips to cutting your costs.
Increase your income- If you can, consider taking on another job, or request to work more hours in your current job. Our benefits and money advisors can also help you with your job search - justcontact us.
We can help
If you are worried about finding the money to pay your rent, you should contact us. Our benefits and money team can advise you on whether any extra financial help might be available.
If your income has been reduced by the Benefit Cap, or you think it might be in the future and you'll need help managing your money, please contact one of our advisors who can help.