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How does property co-ownership affect state benefits

  • 25-11-2012 11:05pm
    #1
    Dannyboy83
    Registered Users, Registered Users 2 Posts: 4,236 ✭✭✭


    If a couple co-own a home and one of them becomes unemployed, does that person have significantly reduced entitlements (as with co-habiting couples?).

    Or would you actually lose out on potential benefits by not including the second person on the mortgage/home?


Comments

  • #2
    mrsbyrne
    Closed Accounts Posts: 3,228 ✭✭✭mrsbyrne


    The family home is always disregarded in SW means test.


  • #3
    Dannyboy83
    Registered Users, Registered Users 2 Posts: 4,236 ✭✭✭Dannyboy83


    mrsbyrne wrote: »
    The family home is always disregarded in SW means test.

    I don't fully understand, so I'll elaborate a little...

    We haven't bought yet, but we are buying shortly.
    I can afford repayments by myself, it doesn't need to be a joint mortgage.
    I'd like to name her on the mortgage because I feel it will give her more security.

    But her work is seasonal and I'm concerned that we'll shoot ourselves in the foot by naming her as a joint applicant, as she won't be entitled to help from FAS if she is on temporary lay off (this has happened when we stupidly admitted we were co-habiting in the past)

    Are you saying that her being a joint applicant will not affect her entitlements to JSA/Fas if she becomes temporarily unemployed (extremely probable) again ?

    Thanks for your help


  • #4
    mp22
    Moderators, Business & Finance Moderators, Regional South Moderators Posts: 6,854 Mod ✭✭✭✭mp22


    Dannyboy83 wrote: »
    I don't fully understand, so I'll elaborate a little...

    We haven't bought yet, but we are buying shortly.
    I can afford repayments by myself, it doesn't need to be a joint mortgage.
    I'd like to name her on the mortgage because I feel it will give her more security.

    But her work is seasonal and I'm concerned that we'll shoot ourselves in the foot by naming her as a joint applicant, as she won't be entitled to help from FAS if she is on temporary lay off (this has happened when we stupidly admitted we were co-habiting in the past)

    Are you saying that her being a joint applicant will not affect her entitlements to JSA/Fas if she becomes temporarily unemployed (extremely probable) again ?

    Thanks for your help

    If the two of you are living in the house as a couple the dept will not take the value of the property into account.If you are trying to claim social welfare in a fraudulent manner ie failure to disclose that you are co-habiting, this is not the forum for you.


  • #5
    StillWaters
    Closed Accounts Posts: 1,799 ✭✭✭StillWaters


    Claiming you are not cohabiting when you are is fraud. And very foolish.

    Cohabiting should not affect her eligibility for FAS, I presume when she is laid off seasonally she can claim JSB, which is not means tested. If she has not the stamps, she can still claim JSA, albeit a reduced amount, or sign for credits which gives her Eligibility for FAS and other programmes.

    You have been misinformed, and you should not base such a huge decision such as home ownership on this.


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