UWDC Question:

I know every situation is different but I’ve got two friends interested in the UWDC business:

  1. One is off sick, long term from his job in London, he’ll never be well enough to go back to work, so he’s being paid continuously, can he be a Utility Warehouse Distributor without affecting this?
  2. My other friend is a full time carer for his very sick wife and they’ve got 4 children, does UW affect carer’s allowance and benefits (I’m not sure which benefits, if any, he gets).

Answers:

Answer 1

  • In the first instance I suspect it depends on the terms of his illness insurance. In the second, speak to DHSS.

Answer 2

  • I receive carer’s allowance as I care for my mother in law. You are allowed to earn £110 a week without it affecting carer’s allowance and as a self employed person any earnings you take of course you can offset all your costs in running your UW business so pre QUIP it wasn’t an issue for me. Now my plan post QUIP is to earn enough in order to not receive carers allowance because then I won’t have to worry about the upper cap in earnings and will be financially better off all round.

Answer 3

  • The job centre offers advice for anyone wanting to come off benefits and they allow you some transition period too.

Answer 4

  • If they work hard at it: they won’t need the benefits. Soon enough, QUIP and residual income will take care of them.

Official Gov.uk Statements

Effect on the benefits of the person you care for:

When you claim Carer’s Allowance, the person you care for will stop getting:

  • a severe disability premium paid with their benefits
  • an extra amount for severe disability paid with Pension Credit, if they get one
  • Reduced Council Tax – contact their local council to find out if this affects them

Effect on your benefits:

When you claim Carer’s Allowance your other benefits may be reduced, but your total benefit payments will usually either go up or stay the same.

Carer’s Allowance doesn’t count towards the benefit cap.

If you get Working Tax Credit or Child Tax Credit, you must contact the Tax Credits office to tell them about Carer’s Allowance claim.

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Q&A - Carer's Allowance & Benefits regarding UWDC Distributor
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Q&A - Carer's Allowance & Benefits regarding UWDC Distributor
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Q: I've got two friends interested in the UWDC business - 1) is off sick, long term from his job and 2) friend is a full time carer for his very sick wife. Can he be a Utility Warehouse Distributor? Also will any benefits be affected ?
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More Income & Savings
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