Can I Claim Benefit, Can I Claim Benefit, Southend-on-Sea Borough Council, what benefits can i


Can I Claim Benefit?

You can make a claim for Housing Benefit and Council Tax Reduction if:

  • You pay rent to a private landlord, housing association, or a council property. But you cannot claim Housing Benefit if you rent from close relatives or the landlord also lives in the same property. A close relative is a parent/step parent or sibling/step sibling. However, if the relative has a commercial tenancy agreement (ie they are a landlord who has let properties previously) then you may be able to claim
  • You have to pay Council Tax on your home. But if you live in a property that is band E or higher you will only be paid up to the amount for a band D property
  • Your savings are less than 16,000 for Housing Benefit and 6000 for Council Tax Reduction applications
  • You work full time or part time (employed or self-employed) and get a low wage
  • You get Benefit or Tax Credit managed by the Department for Work and Pensions, the Inland Revenue or any other low income.

The rules on claiming Housing Benefit and Council Tax Reduction for self-employed people, students, people from abroad and people who have savings are different to those who get Benefit or Pensions.

There are also different rules for people who have adult children or adults who are not boarders/lodgers or joint tenants. You can find more information on all of the above situations in our related downloads.

How Much Benefit Could I Get?

This is based on the amount of income and savings you have. The more you have the less you get. When we work out your Benefit we take into account:

  • How much money you have coming in each week

Working age – there will be a cap on the amount of benefits that you can get. The Benefit Cap forms part of the Welfare Reform Changes that came into force from April 2013. There are a number of benefits that are included in the Benefit Cap as well as a number of benefits and circumstances that will exclude you from having the cap applied. The Benefit Cap factsheet in Related downloads can explain this further.

If you are not excluded from the benefit amount cap, it will be set at:

  • 500 per week for couples and lone parents; or
  • 350 per week for single adults.
  • How much you have in savings and investments
  • Who lives in your household and their circumstances
  • How much rent and Council Tax you have to pay
  • Whether you are of pension age or working age
  • How many rooms you need for your household (Housing Benefit only).

Renting from South Essex Homes or Housing Associations

Working age – the amount that you are awarded for Housing Benefit depends on the number of rooms you are allowed for your family circumstances, this is known as Size Criteria . Size Criteria forms part of the Welfare Reform Changes that came into force from April 2013. If you are considered to have:

  • 1 extra bedroom you will have a 14% reduction on your Housing Benefit
  • 2 or more extra bedrooms you will have a 25% reduction to your Housing Benefit

You will have to make up the difference yourself. There are some groups of people that are excluded from having the size criteria applied to their claim. For further information about these groups of people please see the Size Criteria Factsheet 2014 in Related Downloads.

Renting from a Private Landlord

If you are working age or pension age the amount you get depends on the Local Housing Allowance rate for the size property you are claiming for. The rates and are updated yearly and can be found in the LHA Rates 2017/2018 Poster in Related Downloads.

Payment on Two Homes

Housing Benefit is normally only paid for one home at a time. However, there are some exceptions where the council may consider paying benefit on two homes. These exceptions are:

  • You have moved into rented accommodation due to fear of violence
  • You are a student/trainee, one of a couple and have to live in separate rented accommodation
  • You have a large family and the council has housed you in two properties
  • You have moved to a new home which you have to pay rent for, but still have to pay rent for a period of time on the old property. This is known as unavoidable overlapping liability.

For further information on payment on two homes please read the Payment on Two Homes leaflet in Related Downloads.

Calculating your Entitlement

To find out an accurate assessment of what you could be entitled to please use the Entitled To Benefit Calculator. Not only will it calculate what you are currently entitled to based on your circumstances but it will also calculate whether you will be better off in work and how Universal Credit will affect you once active in the area.


Filing a Claim, a claim.#A #claim


Filing a Claim – The Claim Process

This section provides a step-by-step summary of the Unemployment Insurance (UI) claim process.

  1. Employers may provide a copy of the booklet, For Your Benefit: California s Programs for the Unemployed (DE 2320) to employees who are unemployed. The UI Code, Section 1089 requires employers to provide the booklet.
  2. The individual files a claim for UI benefits using one of the following methods:
    • Access eApply4UI:

Answers to questions are entered online. After the application is completed the individual submits it online to the Department. Note: This is the fastest way to file your claim.

  • Contact EDD by phone:

    Individuals will speak to a Department representative who will ask a series of questions and record the responses.

  • Complete a paper UI Application, DE 1101I:

    The application can be completed online and printed, or it can be printed and completed by hand. The application can then be faxed or mailed to the EDD for processing using the fax number or mailing address on the application.

  • Note: To reopen an existing claim, use UI Online SM , the fastest and most intuitive way to reopen your claim. Access your UI Online account and select Reopen Your Claim and answer all of the questions.

  • The Department representative files the claim and the following documents are mailed:

    * Unless the claimant is participating in a Partial or Work Sharing Program.

    • Notice of Unemployment Insurance Claim Filed (DE 1101CZ)

    For more information about the UI claim filing process, review the following web pages:

    • Need More Information: Lists the items and information you should have available in order to start filing your claim.
    • After You’ve Filed – Phone Interview: Provides information about what you can expect when the EDD conducts an interview about eligibility issues.
    • Contact UI: Provides contact information for the UI program, such as toll-free phone numbers and other contact information.
    • UI Frequently Asked Questions: Frequently asked questions about the Unemployment Insurance Program.

  • Claim Jumper Restaurants, a claim.#A #claim


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    Establishing an Unemployment Claim, Vermont Department of Labor, file a claim for unemployment.#File #a #claim


    Primary Menu

    • Find a Job
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    • Find Resource Center
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    • Get Free Mandatory Posters
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  • Enforcement

    Establishing an Unemployment Claim

    File a claim for unemploymentFile a claim for unemployment

    Establishing a New Claim

    If you become unemployed and have worked in Vermont anytime in the past 18 months, you may be eligible to receive unemployment insurance.

    Once you become totally or partially unemployed, the time to establish a new claim is during the first week you work less than 35 hours.

    An unemployment compensation claim becomes effective when filed, so if you choose to wait to file your claim, then you may not go back to the date you first became unemployed.

    A Customer Service Representative is available to assist you with this process. A list of required information needed when you call is provided for your convenience.

    Currently the Claims Center hours are:

    Monday through Thursday 8:30am 4:00pm

    Friday 9:00am 4:00pm

    Call Toll-Free: 1-877-214-3330

    Persons with hearing impairment or TTY users may file their claim by calling the department directly. To reach a TTY Customer Service Representative, call: 1-800-650-4152

    After you have established your unemployment claim, you will be required to certify that you have read and understand your Responsibilities and Rights in the Claimant Handbook [PDF]

    To receive an unemployment check, it will be necessary for you to file weekly claims. Your Responsibilities and Rights, other important information and regulations is available in our Claimant Handbook [PDF], which will be mailed to you after establishing your unemployment claim.

    The following information will be required when you establish your unemployment claim for the first time. Having this information readily available when you call will help speed up the claims filing process.

    • Social Security Number
    • Mailing and Home Addresses
    • Telephone Number (including area code)
    • Alien Registration Number (if not a U.S. citizen)
    • Amount and duration of any separation pay you may receive (vacation pay, severance pay, etc.)
    • Return to work date (if you expect to be recalled to your job)
    • Valid Driver s License Number (or state issued ID Number, if applicable)
    • Banking information for Direct Deposit of your unemployment check [PDF]
    • Military Form DD-214, Member 4 Copy (if you were in the military in the past 18 months)
    • Form SF-8 (if you worked for the Federal Government during the past 18 months and received one)

    For each employer that you worked for in the past 18 months, have the following information available when you call:

    • Complete name and address of each employer (including zip code) you worked for
    • Payroll address (if different from employer address)
    • Employer telephone number (including area code)
    • Beginning and ending dates of employment
    • Reason for separation

  • Access Montana To File Unemployment Insurance Claim, file a claim for unemployment.#File #a #claim #for


    Access Montana To File Unemployment Insurance Claim

    Unemployment Insurance policy (UI) is a federal-state system developed in the 1930 s after the Great Depressive disorders. This policy is exactly as the name indicates insurance. This policy administration is funded through a government paycheck tax compensated by companies.

    Its advantages reduce the pressure of unemployment for the jobless individual, maintain purchasing power in the community, and allow fired workers to remain in the area so they will be available for re-employment. The system balances the local and condition economic system by avoiding a distinct drop in consumer spending during times of unemployment. Its advantages are compensated with Mt Company’s efforts.

    • IVR or UI4U number is required.
    • SSN and PIN number is essential for the employees.

    How To File Claim?

    • First of all make sure that you have internet connection to get this site view ui4u.mt.gov .
    • On the homepage you will see the button “Start” click on it, the page will be directed towards the page where you will get access the claiming process online.
    • Online form will be show where you have to enter your social security number and also date of birth and then click on “Continue” button.
    • Now you have to login into account by putting PIN and IVR or UI4U into the respective boxes.
    • After pressing navigational button you need to complete the registration process till end.
    • After accessing account you have to enter into account and click on “File Claim” button.
    • Now provide them your personal data and initial inquiry of unemployment details accurately.
    • Go through by all steps that are necessary and click on Finish at the end
    • For claiming unemployment file you can get this service free of cost.
    • You can claim for your benefits by the government and can get financial help

    The Claim Handling Institution is responsible for getting new and reopened claims for all programs of unemployment insurance and solving non-monetary and company asking for issues. The facilities in Billings and Helena are manned with five claims processing groups and do most of their claim dealing with the internet or telephone.


    Filing a Claim, file a claim for unemployment.#File #a #claim #for #unemployment


    Filing a Claim – The Claim Process

    This section provides a step-by-step summary of the Unemployment Insurance (UI) claim process.

    1. Employers may provide a copy of the booklet, For Your Benefit: California s Programs for the Unemployed (DE 2320) to employees who are unemployed. The UI Code, Section 1089 requires employers to provide the booklet.
    2. The individual files a claim for UI benefits using one of the following methods:
      • Access eApply4UI:

    Answers to questions are entered online. After the application is completed the individual submits it online to the Department. Note: This is the fastest way to file your claim.

  • Contact EDD by phone:

    Individuals will speak to a Department representative who will ask a series of questions and record the responses.

  • Complete a paper UI Application, DE 1101I:

    The application can be completed online and printed, or it can be printed and completed by hand. The application can then be faxed or mailed to the EDD for processing using the fax number or mailing address on the application.

  • Note: To reopen an existing claim, use UI Online SM , the fastest and most intuitive way to reopen your claim. Access your UI Online account and select Reopen Your Claim and answer all of the questions.

  • The Department representative files the claim and the following documents are mailed:

    * Unless the claimant is participating in a Partial or Work Sharing Program.

    • Notice of Unemployment Insurance Claim Filed (DE 1101CZ)

    For more information about the UI claim filing process, review the following web pages:

    • Need More Information: Lists the items and information you should have available in order to start filing your claim.
    • After You’ve Filed – Phone Interview: Provides information about what you can expect when the EDD conducts an interview about eligibility issues.
    • Contact UI: Provides contact information for the UI program, such as toll-free phone numbers and other contact information.
    • UI Frequently Asked Questions: Frequently asked questions about the Unemployment Insurance Program.

  • Can One File a Quitclaim Deed Without Refinancing the Mortgage, Home Guides, SF Gate, what


    Can One File a Quitclaim Deed Without Refinancing the Mortgage?

    Can One File a Quitclaim Deed Without Refinancing the Mortgage?

    Filing a quitclaim deed is a right of any property owner. You can file a quitclaim deed without refinancing your mortgage, but you are still responsible for the payments. Transferring the mortgage without refinancing is possible through an assumption of the loan, which requires lender approval.

    Record the Quitclaim Deed

    The quitclaim deed relinquishes some or all ownership rights from an existing owner to a new owner. Quitclaims are usually used between spouses or family members as property is gifted, consolidated or otherwise divided without selling it.

    The quitclaim deed itself is a simple form recorded at the county assessor’s office. It contains all description information of the property, including parcel number, physical description and legal address. The deed states who is giving and who is receiving the property, described by full legal name and how title is received. For example, it might read, “Jane P. Doering, a single woman.” A quitclaim deed is unilateral, meaning only the grantor giving the property away signs it. Quitclaim deeds are irrevocable.

    In San Francisco County, the notarized quitclaim deed is recorded along with the Preliminary Change of Ownership (PCOR) form and a transfer tax affidavit. Most interfamily transfers are exempt from transfer taxes; file a notice of exemption if it applies.

    Warning

    Check with tax advisers regarding potential gift tax issues when transferring property as a gift.

    Mortgage Considerations

    The holder of the mortgage note is responsible for payments. In a quitclaim situation, transferring the note might not be relevant. For example, if a single homeowner marries, he might add his spouse to the house title via the quitclaim deed. Neither might be concerned with changing the loan. The same is true if a parent gifts a home to a child.

    However, if a parent dies and the child takes over the house via quitclaim through probate, the lender will want the mortgage paid as part of closing the estate. The child can request a loan assumption, meaning taking over the terms and payments of the loan rather than refinancing.

    Lenders are leery of assumptions because they don’t know the person taking over the loan. Because of this, underwriting is usually required for the new owner before the loan assumption is approved. While assuming a loan is similar in process to a refinance, the new owner/borrower assumes the existing mortgage interest rates and terms, which could be more favorable than getting a new loan.

    Warning

    Quitclaim deeds don’t guarantee the new owner a free and clear title. Lenders and other lien holders still maintain all legal rights to the property.


    Quit Claim Deed, Form Downloads, Instructions, Recording Info, what is a quick claim deed.#What #is


    Quit Claim Deed

    • Real Estate Transfers Between Family Members. Quit Claim Deeds are often used to transfer property to and from family members. Transfers between parents and children, between siblings, and between other closely related family members are easily done with this type of deed.
    • Adding Or Removing A Spouse From Title. Whether resulting from a divorce or a marriage, a real estate owner can use a quit claim deed to add a spouse to or remove a spouse from the title of the property.
    • Transferring Real Estate To An LLC Or Corporation. With holding of real estate in the protection of LLC s and Corporations becoming more common, so are quit claim deeds. Corporate transfers are usually done with this type of deed as it is generally a transfer between closely related entities.
    • Transferring Real Estate To A Trust. As with corporate transfers of real estate, transfers to a Trust are equally common. Family planning that deals with property meant to carry on through generations often involves an initial transfer from a family member into a trust.
    • Removing A Cloud On Title For Title Insurance. In the process of insuring title to real estate title companies may find a cloud in the title. Generally this means that there appears to be someone may or may not have an interest in a property that has not been accounted for and it is causing a break in the chain of title. It is common for the company insuring the title to require the person in question to quit claim their interest in the property prior to issuing the title insurance.

    While each County has specific formatting requirements for the recording of documents there are main elements that are common to all real estate deeds.

    • Title. The title of a legal document tells the world what type of document it is. In this case the title is Quit Claim Deed
    • Executed Date. This is the date that the legal document was completed, signed, and executed.
    • Grantor. This is the person or persons that is transferring their rights to the real estate to someone else. For the purpose of a quit claim deed the term person can refer to a natural person, an LLC, a Partnership, a Corporation, a Trust or Trustee, or any other entity that can legally own real estate.
    • Grantee. This is the person that is receiving the rights to the real estate that are being transferred. Again here, the term person refers to any entity that can legally own real estate.
    • Habendum. This is the meat of the deed, the legal speak which actually transfers the rights to the property. Generally it is a phrase similar to: . does hereby remise, release and quitclaim unto the said Grantee forever, all the right, title, interest and claim which the said Grantor has in and to the following described parcel of land, and improvements and appurtenances thereto.
    • Consideration. This is what the Grantee gives to the Grantor in return for the rights to the property. While in some cases a deed may be enforceable without consideration it certainly muddies the water. It s a good idea to check with a tax accountant before transferring real estate with a no consideration or gift deed as there may be tax issues.
    • Legal Description. Here is where the description of the property being transferred is listed. The format of the legal description varies from state to state. The types of legal descriptions are: metes and bounds, rectangular survey, and lot and block. The lot and block legal description is the most common however it depends on your state. A typical lot and block description looks like: QCD SUBDIVISION, 2ND AMD, LOT 112 BLOCK 3 .
    • Signatures. Most states require only the Grantor to sign the deed and for it to be delivered to the Grantee for it to be valid. Grantor s signatures usually must be notarized and in some rare cases separate witnesses must also witness the Grantor signing.
    • Prepared By. This section lets the world know who prepared the quit claim deed. Generally this is the Grantor or an attorney.

    Warranty and Quit Claim Deed – Know What the Difference Is, what is a quick


    Know the difference between quitclaim and warranty deeds?

    What is a quick claim deed

    What is a quitclaim deed?

    A quitclaim deed is a legal document that transfers ownership of real estate from one person to another. The deed identifies who is handing over an interest in the property (the grantor) and who is accepting it (the grantee). Quitclaim deeds often are used when property isn’t sold.

    • When the owner dies and bequeaths it to an heir.
    • When the owner adds the spouse’s name to the title.
    • When a former spouse’s name is removed from the title after divorce.

    Unlike a warranty deed, a quitclaim deed does not guarantee that the grantor is the rightful owner and has the right to transfer the property.

    It’s not a ‘quick claim’ deed

    First of all, it’s called a quitclaim deed, not a quick claim deed. You’re welcome.

    What a deed is

    A deed is a document that conveys, or passes, real estate from one party to another. Whether you buy a house from a stranger, inherit it from your parents or add your spouse to the home’s title, a deed accomplishes the deed of transferring the title.

    What a deed isn’t

    A deed isn’t a sales contract, says Jeff Eisenshtadt, president of Title Source, which provides title insurance and settlement services nationwide. A sales contract is a promise to convey property in exchange for something (usually money). In contrast, a deed isn’t a promise to convey; it is the conveyance itself.

    What a deed includes

    A deed contains a legal description of the real estate being transferred. In urban or suburban locales, the legal description identifies which lot the property occupies in a platted subdivision. Deeds in rural areas might use meets-and-bounds descriptions of the boundaries, which identify where the property lines are in relation to landmarks.

    The deed must identify who is handing over an interest in the property (the grantor) and who is accepting it (the grantee). Most counties require the deed to have the addresses of all parties involved. And a deed wouldn’t be a deed without words of conveyance — a passage that says that the grantor intends to convey an interest in the property to the grantee.

    What can go wrong

    If the information on the deed is inaccurate or out of date, it can cause headaches. The legal description could be incorrect, for example, saying that the property line is 150 feet north of the house, when it’s actually 145 feet, misleading the buyer into building a fence on a neighbor’s property.

    More commonly, people’s names are wrong. This often happens when a woman changes her last name after marriage or divorce. Take the example, Eisenshtadt says, of a single woman named Mary Jones who buys a house. Then she gets married, changes her name to Smith, and sells the house. If the deed doesn’t identify her as Mary Smith, formerly Mary Jones, the document has some ambiguity that would best be avoided.

    What a warranty deed does

    There are 2 main types of deed: warranty and quitclaim.

    “A warranty deed is one in which the seller, when transferring the title to you, warrants that he owns the property free and clear of all liens,” says David Eagan, a lawyer with Eagan Matthews PLLC in East Hampton, New York.

    A warranty deed is used in most sales of property. The warranty deed says that:

    • The grantor is the rightful owner and has the right to transfer the title.
    • There are no outstanding claims on the property from lenders using it as collateral, or from other creditors.
    • The property can’t be claimed by someone with a better claim to the title. If any of those claims is wrong, the buyer is entitled to compensation.

    A title insurance policy backs up the claims of the warranty deed, protecting the lender or buyer from disputes about ownership or liens.

    What a quitclaim deed does

    A quitclaim deed typically is executed when the property isn’t sold:

    • The owner dies and bequeaths it to someone.
    • The owner adds the spouse’s name to the title.
    • A former spouse’s name is removed as part of a divorce settlement.
    • The property is transferred to a living trust.

    “A quitclaim deed is a deed that says, ‘I’m not warranting what I own, but I’m transferring what I do own to you,” Eagan says. “So it’s a much lesser level of protection.”

    With a quitclaim, the grantee has no legal recourse if problems with the title turn up, or if a forgotten lienholder emerges from the woodwork. There isn’t a title policy. That’s why it’s riskier. On the other hand, a lot of quitclaims are executed when the property stays in the family, and that reduces the risk.

    Eagan says there also are cases in which a seller might execute a warranty deed on the main part of the property and a quitclaim deed on another part of it. This might be the case with properties that border rivers and lakes, where the owner sells underwater land and it’s not particularly clear who owns it.


    What is the Penalty for Forgery of a Quit Claim Deed, what is a quit


    What is the Penalty for Forgery of a Quit Claim Deed?

    Like other deeds, a quitclaim deed conveys title from a grantor or owner to a grantee. Unlike other deeds, a grantor has no legal liability if the title is flawed in some way. Conveying title with a forged or fraudulent deed, however, is a felony. If found guilty, the forger will suffer whatever penalty your state mandates for the crime.

    Missouri and Florida Cases

    In Kansas City, Missouri, a series of thefts in 2004 involved criminals forging homeowners signatures on quitclaim deeds, then filing the deeds with the county. The thieves could then resell the property or take out a home equity loan using the house as collateral. In some 2008 forgery cases in Florida, the thief not only faked the owner s name but that of two witnesses, plus authorizing the document with a fake notary seal. The favorite targets are out-of-state or elderly owners who won t suspect a problem until it s too late.

    Penalties

    Quitclaim deed forgery, in many states, may constitute multiple crimes. In California, for example, you commit a felony the moment you forge a property owner s signature on a quitclaim deed. If you then file, register or record the deed, that s another crime. The forgery could earn you three years in prison and a $10,000 fine for each fraudulent deed. Filing the deed could result in a $75,000 fine on top of that. The judge can add on several years more, depending on how much money the homeowner lost because of your crime.

    Defenses

    Just because someone s accused of forgery doesn t mean he ll be convicted. For example, the accused could show that he didn t forge the deed; instead, the forger impersonated him and used his name as the grantee to conceal his true identity. In California, it s a legal defense to show that the rightful grantor approved of what you did: She wanted to give you the house, for instance, and told you to go ahead and sign her name.

    Considerations

    A forged deed is completely invalid: Once the forgery is discovered, the title transfer is null and void. If the forger conveyed title to someone else, that transfer is invalid, too, as are all subsequent conveyances, even if some of the buyers were innocent and unaware of the fraud. If the thief used fraud to trick the grantor into signing the deed, the thief has no right to the property, but if he sells it to a legitimate buyer, that sale might hold up.