Disability Living Allowance (DLA)
Is a tax-free non-means-tested social security benefit for
people with disabilities. It is for people who need help
looking after themselves (care) or to get around (mobility).
DLA is divided into care and mobility components which
are paid at different rates. The DLA care component can
be paid from three months old but carers have to show
that the care or supervision s/he needs is more than that
which a non-disabled child of the same age would need.
Children under five rarely qualify for the lower care com-
ponent as to do so they must need more supervision than
is normally required at their age. Claim at least three
months before your child's fifth birthday to avoid any delay.
If your child gets the higher rate DLA mobility component, you should be sent a Road Tax Exemption (Vehicle
Excise Duty) form by the DSS. It is important to complete
and return this to the address given on the form if you
wish to claim exemption from the payment of road tax.
Invalid Care Allowance (ICA)
Is a weekly benefit for women and men under 65, whether
married or single who are caring for a severely disabled
person/child for at least 35 hours a week. The
person/child they care for must receive DLA at the higher
or middle rate. The person claiming CA must not earn
more than a weekly limit (ESO from 1 April 1997) after
deductions. There are additional rules around earnings of
a partner which may affect this amount. It does not matter
whether a carer is related to or living with a disabled child.
Income Support (IS)
Is paid to provide a basic income to help people who
work less than 16 hours a week. This is a means-tested
benefit. It is calculated by comparing your weekly income,
if any, to a set rate called your ‘applicable amount’ based
on certain personal circumstances. There are weekly
additions called ‘Premiums’ for those with extra needs,
such as people with children.
Family Premium is paid if you have at least one child.
Disabled Child Premium is paid if you have a child who is
getting DLA care or mobility components at any rate.
Lone Parent Premium is paid if you are bringing up one or
more children on your own. People who get Income
Support are automatically entitled to maximum housing
benefit, council tax benefit, certain social fund payments
free school meals and help with other costs, such as free
prescriptions and the cost of travelling to hospital.
If you get Income Support you may be able to get a
Community Care Grant to pay for certain items which you
cannot afford out of your weekly benefit. Any savings you
have over £500 may be deducted from the grant. If you
are turned down for a grant, you could be offered a loan
instead. If you accept this, it will have to be paid back out
of your weekly benefit.
Family Credit (FC)
Is an income-related weekly benefit for couples or
single parents with dependent children who work at
least 16 hours a week. Your savings cannot be more
than £8,000.
The amount of Family Credit depends on the number
of children you have, how old your children are and how
much your income is. If you qualify for Family Credit, you
are automatically entitled to certain other types of help.
These include dental treatment, fares to hospital and
vouchers for glasses but not free school meals.
Further benefits at 16
At the age of 16 young people can claim most benefits in
their own right. Even if their family was formerly claiming
for them, everyone is likely to be better off if you claim in
your own right at 16.
You can also claim DLA in your own name. You can
use the ‘higher rate’ mobility component to obtain a car
through the Motability Scheme. You may be able to claim
Income Support (IS) either on its own or to ‘top up’ DLA.
Both these benefits can be claimed while you are still at
school or in further education. If you get DLA or IS, you
will get the Disability Premium.
Severe Disablement Allowance (SDA)
Provides a basic income for those who are unable to work
because of a disability. If you are under 20 you only need
to show you are ‘incapable of work’. You can get SDA
even if you are still at school depending on the type and
hours of schooling.