power of attorney: I am appointee for my daughters... - Mencap

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power of attorney

khakigirl
khakigirl
6 Replies

I am appointee for my daughters benefits If I apply for power of attorney would I still be her benefits appointee

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Charlie2750
Charlie2750Community friend

Hello khaki girl and welcome to this forum/site.

I should assume so because the benefits people wont take that away unless they think you are not using benefits properly.

There are lots of other posts/thread similar but why are you thinking of applying for power of attorney?

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khakigirl

There is quite a amount of money in the appointee account that is solely in my name and the money belongs to my daughter So I thought I needed to apply for power of attorney to put the money in her name You answer as if this is wrong Should I just stay as appointee Please give me advice as i am so worried

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Charlie2750
Charlie2750Community friend
in reply to khakigirl

Hello

I opened a joint account with my son but he cant actually access it because he has severe learning disabilities.Could you not add her name to the account or failing that opene her a separate account and transfer money to that account but still have your name on the account.I bank with Lloyds and have online banking so with 2or 3 accounts I can transfer money around.If your daughter has quite a lot of money in the account then you might fall foul of things like means tested benefits.

My son gets ESA(employment support allowance) because he is unable to work.This is means tested so any savings could reduce the ammount she will get if she is old enough to claim ESA.

My son also gets a full PIP and also Universal credit.

He di have over £6000 in premium bonds but I cashed them in because he has to pay so much towards his day care through Direct payments.

£6000 is the cut off point before you get reduced benefits.

If you are not doing it already and your daughter is old enough then dont forget to charge her living expenses eg board and lodging at a realistic ammount.

The money she gets is not pocket money for her to spend but to help her to be a part of a family household provider. That doesnt sound right but as I explained elsewhere there are 3 adults in our family so all the bills.sky,council tax,water rates gas electricity food should be added and divided by 3.Obviously it may be that you or your partner may be earning a lot more than your daughter but if you dont look at it like that you may find yourself in debt?

When times were harder(I have paid the motrgage now) my son's money also helped pay the mortgage.I did feel a little uncomfortabe but it kept a roof over his head and also he will get this back on our death

If you are concerned then please phone the work and pensions and explain your worry and I am sure they will understand.

If you were out every night gambling while your daughter had no shoes and you were gambling with her benefits I think that would be abuse of her money!

I hope my epic epistle helps

Good luck and please bear in mind that I am not a money adviser just trying to offer a little solution as to how I work things

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khakigirl

sorry to bother you again Is it better to have below £6,000 savings if you are on benefits

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Charlie2750
Charlie2750Community friend
in reply to khakigirl

Hello khakigirl

I had another look just to get facts right.If you have savings of more than £6000 you lose £1 in benefits for every £250 above.So if you have £7000 you will lose £4 and I assume this is per payment for example if you get £220 ESA then next time you will get £216 each payment.So the short answer is dont save too much and make sure you have less then £6000 however you may feel that it is such a small sum that you wont miss it and you would rather have more savings and get the interest which might cancel out what the Gov take back.

I had £8000 in premium bonds but then I reduced that ammount before we were caught out.

good luck

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RockinRic

Hiya,

In my recent experience over the last 6moths with my wife returning home from rehab and arranging carers and PIP, i have learned being the appointee has no connection with having either the health and welfare or financial elements of an LPA in place. So long as your daughter says she is happy for you to be your appointee to the relevant people at the time, as my wife did in our case, it was OK and no need for an LPA.

Regards.

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