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A Social Welfare Inspector may interview you about your income and may ask you for supporting documents, such as bank statements or accounts. This may involve a visit to your home. All your sources of income are added together and taken into account when deciding whether you qualify for a means-tested payment.
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Read More »What is the means test? To qualify for a social assistance payment you must satisfy a means test and a habitual residence test. A means test is a way of checking if you have enough financial resources to support yourself and what amount of social assistance payment, if any, you may qualify for. In a means test the Department of Social Protection examines all your sources of income. How your means is calculated and the amount of means you are allowed to have varies from payment to payment. This document gives a general overview of the means test. Sometimes a certain amount of income or income from particular sources is not taken into account and these are often referred to as income disregards. Disregards can differ from payment to payment – we list the most important ones in the information on each payment and there is a full list in our page, Cash income not included in the means test. How is the means test carried out? When you apply for a means-tested social welfare payment you must fill out an application form. This form asks for information about sources of income. You must give details of all your means when completing the application form for a social welfare payment. The Department of Social Protection (DSP) can ask you for details of the bank accounts you hold, including the account numbers. The DSP does not access your bank account unless you give permission. A Social Welfare Inspector may interview you about your income and may ask you for supporting documents, such as bank statements or accounts. This may involve a visit to your home. All your sources of income are added together and taken into account when deciding whether you qualify for a means-tested payment. The decision on your means is made by a separate Deciding Officer. You will be told how exactly your means were assessed. If you are not satisfied, you may appeal to the Social Welfare Appeals Office. Once your means have been assessed as a certain amount and you have been awarded a social welfare payment you are responsible for telling the DSP about any changes in your circumstances. If you do not you may be liable for fines or asked to repay any overpayment that may have occurred. The means test for a social assistance payment can be a complex calculation and it can differ from payment to payment. Here we look generally at the way income from different sources is assessed in the means test. Assessing the means of a couple If you apply for a social assistance or means-tested payment and you are married, in a civil partnership or cohabitating, the means of your spouse, civil partner or cohabitant are also taken into account in the means test. You can read more in our document, Assessing the means of a couple for social assistance payments. If you apply for a social insurance payment, you do not have to satisfy a means test. However, if you wish to apply for an increase in your payment for an adult dependant (also called a qualified adult) or child dependants (qualified children) your spouse's, civil partner's or cohabitant's means will be assessed. Your means are not taken into account but any means you hold jointly will be assessed. How property personally used (your home) is assessed The house in which you live is not included in the assessment of your means unless you are getting an income from it. If you have rented a room in the house, any rental income over €14,000 per year is assessed. You can deduct 5% of the gross rent you receive for wear and tear and 15% can be allowed for voids (vacant periods between lettings). If you use or rent a room in your home for business purposes you can deduct a proportional amount of ground rent and mortgage interest from the profits you receive. Income from rent If you are getting a means-tested weekly social assistance payment, Supplementary Welfare Allowance or Working Family Payment, you can get up to €14,000 per year for renting out a room in your own home without it affecting your payment. You should check if renting a room in your home will affect any other payments you are getting such as Fuel Allowance. The maximum income disregard is €269.23 a week (€14,000 per year). The person renting a room in your home must use the room for a minimum of 28 consecutive days. The income disregard will not apply if you are renting to an employee or to your immediate family members. Immediate family members are: Your spouse, civil partner or partner
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Read More »Blind Pension You can read more about how proceeds from the sale of your home are treated in our document Capital and social welfare payments. How capital and property not personally used is assessed Capital includes property (except for your own home), savings and investments. If you (or your spouse, civil partner or cohabitant) own property that you are not personally using or if you have investments or any other form of capital, the value is assessed, using a standard formula. You may or may not be getting an income from the property or investment. (The only exception to this is where an Increase for a Qualified Adult is being assessed for a social insurance payment. In this case, if a property is let the rental income is assessed rather than the capital value.) The property and investments that may be assessed under this heading include savings in a bank account (or anywhere else), a house that you have let and stocks and shares. If you or your spouse, civil partner or cohabitant saves a portion of your social welfare payment each week, these savings as well as savings from most other sources will be taken into account as part of your means. The standard formula for assessing the value of capital for all social welfare payments (except Disability Allowance and Supplementary Welfare Allowance) is: Capital Weekly means assessed First €20,000 Nil Next €10,000 €1 per €1,000 Next €10,000 €2 per €1,000 Balance €4 per €1,000 For Disability Allowance the first €50,000 of capital is not taken into account. For Supplementary Welfare Allowance the first €5,000 of capital is not taken into account. Capital is not assessed in the means test for Working Family Payment. More information is available in our document, Capital and social welfare payments.
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