Advice needed - partner moving back in

[aerobubbles]

Hi folks,
ok here it is, i am a mum of one, i am working and very glad to be able to provide for us both. I dont live with my partner as he has been working away for the past few years, but things changed last night. The company he worked for has gone bust and last night he asked if he can move in with us.

He will need to be on social welfare and i dont know how this is going to affect us. Basically i want to find out if he can claim Social welfare and live with us as i cannot provide for all 3 of us. so anyone any good with figures?

i take home 2209 every month, I pay rent 400 every month, oil would be around 300 every 2 months, esb around 120 every two months. Health insurance for myself and tot 945 a year. I have a bank loan nearly paid off 300 p/m and a credit card i pay 200p/m. Our child has a serious medical condition thankfully under control at the monent but he has a medical card due this. My mom looks after my child while i am at work so no childcare costs i give her what i can when i can. I also get child benefit 140 a month which i save in the credit union for my son. I dont claim single parent

Basically there isnt a whole lot left at the end of any month and i cannot afford to support my partner so the decision on him moving in come down to wheather he can get social welfare while living with us. Any idea and if yes any idea how much?

Sorry for such a long drawn out post but im all over the place today

 

[Scotsgirl]

I presume you are claiming one parent tax credit? If so, bear in mind if your partner moves in with you you will lose this credit.

 

[ClubMan]

As Scotsgirl says you may lose certain credits/benefits if your partner cohabits with you.

I dont claim single parent

You mean One Parent Family Payment? Would you be entitled to it? This is another thing that would disappear if you were claiming it but then cohabit.

If money is tight then I'd be looking to see if the health insurance and CB savings were the best idea in the current circumstances. While your child has a medical condition the medical card and free public healthcare for children may be sufficient without private health insurance. If you are generally healthy and unlikely to conceive any time soon then health insurance for yourself may not be necessary. Of course - horses for courses and all that...

What your partner may be entitled to while living alone or cohabiting may depend on his specific circumstances (e.g. PRSI payments etc.). This and the impact of cohabiting on your situation needs to be teased out. The CI website is a good place to start - e.g.:

http://www.citizensinformation.ie/en/social_welfare/social_welfare_payments/

P.S. You should edit your thread title to make it a bit more meaningful as per the posting guidelines as it will help others to help you.

 

[elcato]

Firstly, I changed the title of the post as it needs to be a bit more specific. I have a few questions. Did you partner work in Ireland and pay stamps accordingly for the last few years ? If he is eligable for Jobseekers benifit then it won't affect you. If he is not entitled to JB then he will be means tested and this may affect you. As a matter of interest, was he paying money to you while working elsewhere ?

Edit: Post crossed slightly

 

[aerobubbles]

I presume you are claiming one parent tax credit? If so, bear in mind if your partner moves in with you you will lose this credit.

No im not actually, im not a one parent family so why would i? This is not a how can i fiddle the system post.

 

[aerobubbles]

Thanks clubman but after the year i have had i can tell you there is a huge difference between having HI and just a medical card. Quiet simply it was the difference between our child having the surgery he required within a week of diagnosis or him having to go on a waiting list and quiet frankly he wouldn't be with me today if i didnt have insurance. The reason for the cu account is i dont want him to be in my situation when he get older i want him to have money even if it means me going without .

 

[Scotsgirl]

I'm not suggesting you fiddle the system, but you say in your first post that don't live with your partner. You are technically a one parent family if you live alone with your child, so are entitled to a one parent tax credit. But if you live with a partner you would lose this.

 

[ClubMan]

No im not actually, im not a one parent family so why would i? This is not a how can i fiddle the system post.

Why are you being so abrupt with Scotsgirl??!? Your initial post certainly suggests that you are a single parent living alone right now so it is logical to assume that you qualify for this credit right now. Scotsgirl was not suggesting that you fiddle the system as far as I can see. Her comment is pertinent and reasonable.

 

[ClubMan]

Thanks clubman but after the year i have had i can tell you there is a huge difference between having HI and just a medical card. Quiet simply it was the difference between our child having the surgery he required within a week of diagnosis or him having to go on a waiting list and quiet frankly he wouldn't be with me today if i didnt have insurance.

Fair enough - as I said horses for courses.

The reason for the cu account is i dont want him to be in my situation when he get older i want him to have money even if it means me going without .

It's not clear from your initial post but IF money is tight or you have onerous debts then you should probably prioritise dealing with these issues over saving right now.

My overarching suggestion would be to try to clarify your respective situations in terms of what tax/SW/etc. entitlements you have right now while living separately and then clarify what impact cohabiting might have on these and your overall financial situation. It may be worth considering a post in the Money Makeover forum using the financial summary template.