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11 Dec 2006 : Column 43WS

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Benefit Uprating
(Weekly rates unless otherwise shown) Rates - 2006 Rates - 2007

Attendance Allowance

higher rate

62.25

64.50

lower rate

41.65

43.15

Carer's Allowance

46.95

48.65

Council Tax Benefit

Personal allowances

Single

18 to 24

45.50

46.85

25 or over

57.45

59.15

lone parent - 18 or over

57.45

59.15

couple - one or both over 18

90.10

92.80

dependent children

from birth to September following

16th birthday

45.58

47.45

from September following 16th birthday to

day before 20(th) birthday

45.58

47.45

pensioner (from October 2003)

single / lone parent - 60 — 64

114.05

119.05

couple - one or both 60 — 64

174.05

181.70

single / lone parent - 65 and over

131.95

138.10

couple - one or both 65 and over

197.65

207.00

Premiums

Family

16.25

16.43

family (lone parent rate)

22.20

22.20

child under 1

10.50

10.50

pensioner

single

56.60

59.90

couple

83.95

88.90

pensioner (enhanced)

single

56.60

59.90

couple

83.95

88.90

pensioner (higher)

single

56.60

59.90

couple

83.95

88.90

disability

single

24.50

25.25

couple

34.95

36.00

enhanced disability premium single rate

11.95

12.30

disabled child rate

18.13

18.76

couple rate

17.25

17.75

severe disability

single

46.75

48.45

couple (lower rate)

46.75

48.45

couple (higher rate)

93.50

96.90

disabled child

45.08

46.69

carer

26.35

27.15

Non-dependant deductions

aged 18 or over and in remunerative work

gross income: £353 or more

6.95

6.95

gross income: £283 - £352.99

5.80

5.80

gross income: £164 - £282.99

4.60

4.60

gross income less than £164

2.30

2.30

others, aged 18 or over

2.30

2.30

Alternative maximum Council Tax Benefit

second adult on IS, JSA(IB) or Pension Credit

25% of Council Tax

25% of Council Tax

first adult(s) student(s)

100% of Council Tax

second adult’s gross income:

under £162

15% of Council Tax

15% of Council Tax

£162 to £209.99

7.5% of Council Tax

7.5% of Council Tax

Capital

upper limit

16,000.00

16,000.00

amount disregarded

6,000.00

6,000.00

upper limit (claimant/partner 60 or over)

16,000.00

16,000.00

upper limit (PC guarantee) from October 2003

No limit

No limit

amount disregarded (claimant/partner 60 or over)

6,000.00

6,000.00

child disregard

3.000.00

3,000.00

upper limit of RC/NH

16,000.00

16,000.00

amount disregarded of RC/NH

10,000.00

10,000.00

Tariff income

£1 for every complete £250 or part

thereof between amount of capital

disregarded and capital upper limit

Tariff income (claimant/partner 60 or over) from October 2003

£1 for every £500 or part thereof between

amount of capital disregard and capital

upper limit

Earnings disregards

where disability premium awarded

20.00

20.00

various specified employments

20.00

20.00

lone parent

25.00

25.00

where the claimant has a partner

10.00

10.00

single claimant

5.00

5.00

where carer premium awarded

20.00

20.00

childcare charges

175.00

175.00

childcare charges (2 or more children)

300.00

300.00

Other income disregards

maintenance disregard

15.00

15.00

war disablement pension and war

widow’s pension

10.00

10.00

Armed Forces Compensation Scheme

10.00

10.00

student loan

10.00

10.00

student’s covenanted income

5.00

5.00

income from boarders:

disregard the fixed amount (£20) plus

50% of the balance of the charge

20.00

20.00

additional earnings disregard

14.90

15.45

Expenses for subtenants

furnished or unfurnished

4.00

4.00

where heating is included, additional

11.95

15.45

Dependency Increases

Adult Dependency Increases

For spouse or person looking after children, with:

State Pension on own insurance,

50.50

52.30

long term incapacity benefit, unemployability supplement

46.95

48.65

severe disablement allowance

28.25

29.25

carers allowance

28.05

29.05

short-term incapacity benefit if beneficiary over

state pension age

45.15

46.80

maternity allowance/short-term incapacity benefit

36.60

37.90

Child Dependency Increases, with:

State pension, widowed mothers allowance, widowed parents allowance,

short-term incapacity benefit at the higher rate and

long term incapacity benefit carers allowance,

severe disability allowance, higher rate industrial death

benefit, unemployability supplement and

11.35

11.35

short-term incapacity benefit if beneficiary

over pension age

NB - The Overlapping Benefits Regulations provide for the rate

of child dependency increases

to be adjusted where the increase

is payable for the eldest eligible child for whom

Child benefit is also payable. The weekly rate of the increase

is reduced by the differential (less £3.65 from April 2004)

between the rate of Child Benefit payable for the oldest eligible child

and that payable for a subsequent child.

Disability Living Allowance

Care Component

Highest

62.25

64.50

Middle

41.65

43.15

Lowest

16.50

17.10

Mobility Component

Higher

43.45

45.00

Lower

16.50

17.10

Earnings Rules

Carers Allowance

84.00

87.00

Limit of earnings from councillor’s allowance

81.00

86.00

Permitted work earnings limit

81.00

86.00

Industrial injuries unemployability

4,212.00

4,472.00

supplement permitted earnings level

(annual amount)

Adult dependency increases with:

short-term incapacity benefit where claimant is

(a) under state pension age

36.60

37.90

(b) over state pension age

45.15

46.80

maternity allowance

36.60

37.90

state pension,

long-term incapacity benefit,

disablement allowance, unemployability supplement where dependant

(a) is living with claimant

57.45

59.15

(b) still qualifies for the tapered

45.09

45.09

earnings rule

state pension,

50.50

52.30

long-term incapacity benefit

and unemployability supplement where dependant not living with claimant

46.95

48.65

severe disablement allowance where

dependant not living with claimant

28.25

29.25

carers allowance

28.05

29.05

Child dependency increases

level at which CDIs are affected by

earnings of claimant’s spouse or partner

for first child

175.00

180.00

for each subsequent child

23.00

24.00

Housing Benefit

Personal allowances

Single

16 to 24

45.50

46.85

25 or over

57.45

59.15

lone parent

under 18

45.50

46.85

18 or over

57.45

59.15

couple

both under 18

68.65

70.70

one or both 18 or over

90.10

92.80

dependent children

from birth to September

following 16th birthday

45.58

47.45

from September following 16th birthday to

day before 20th birthday

45.58

47.45

pensioner (from October 2003)

single lone parent - 60 - 64

114.05

119.05

couple - one or both 60 - 64

174.05

181.70

single / lone parent - 65 and over

131.95

138.10

couple - one or both 65 and over

197.65

207.00

Premiums

family

16.25

16.43

family (lone parent rate)

22.20

22.20

child under 1

10.50

10.50

pensioner

single

56.60

59.90

couple

83.95

88.90

pensioner (enhanced)

single

56.60

59.90

couple

83.95

88.90

pensioner (higher)

single

56.60

59.90

couple

83.95

88.90

disability

single

24.50

25.25

couple

34.95

36.00

enhanced disability premium single rate

11.95

12.30

disabled child rate

18.13

18.76

couple rate

17.25

17.75

severe disability

single

46.75

48.45

couple (lower rate)

46.75

48.45

couple (higher rate)

93.50

96.90

disabled child

45.08

46.69

carer

26.35

27.15

Non-dependant deductions

rent rebates and allowances

aged 25 and over, in receipt of Income Support

or income based Job Seekers Allowance

aged 18 or over, not in remunerative work

- gross income less than £111

7.40

7.40

aged 18 or over and in remunerative work

- gross income: less than £111

7.40

7.40

- gross income: £111 to £163.99

17.00

17.00

- gross income: £164 to £212.99

23.35

23.35

- gross income: £213 to £282.99

38.20

38.20

- gross income: £283 to £352.99

43.50

43.50

- gross income: £353 and above

47.75

47.75

Service charges for fuel

heating

11.95

15.45

hot water

1.40

1.80

lighting

0.95

1.25

cooking

1.40

1.80

Amount ineligible for meals

three or more meals a day

single claimant

20.50

21.10

each person in family aged 16 or over

20.50

21.10

each child under 16

10.35

10.65

less than three meals a day

single claimant

13.65

14.05

each person in family aged 16 or over

13.65

14.05

each child under 16

6.85

7.05

breakfast only - claimant and each

member of family

2.50

2.60

Capital

upper limit

16,000.00

16,000.00

amount disregarded

6,000.00

6,000.00

upper limit (claimant/partner 60 or over)

16,000.00

16,000.00

upper limit (PC guarantee) from October 2003

No limit

No limit

amount disregarded (claimant/partner 60 or over)

6,000.00

6,000.00

child disregard

3,000.00

3,000.00

upper limit of RC/NH

16,000.00

16,000.00

amount disregarded of RC/NH

10,000.00

10,000.00

Tariff income

£1 for every complete £250 or part thereof between

amount disregarded and capital upper limit

Tariff income (claimant/partner 60 or over) from October 2003

£1 for every £500 or part thereof between

amount of capital disregard and capital

upper limit

Earnings disregards

where disability premium awarded

20.00

20.00

various specified employments

20.00

20.00

lone parent

25.00

25.00

where the claimant has a partner

10.00

10.00

single claimant

5.00

5.00

where carer premium awarded

20.00

20.00

childcare charges

175.00

175.00

childcare charges (2 or more children)

300.00

300.00

Other income disregards

maintenance disregard

15.00

15.00

war disablement pension and war

widow’s pension

10.00

10.00

Armed Forces Compensation Scheme

10.00

10.00

student loan

10.00

10.00

student’s covenanted income

5.00

5.00

income from boarders:

disregard the fixed amount (£20) plus

50% of the balance of the charge

20.00

20.00

additional earnings disregard

14.90

15.45

Expenses for subtenants

furnished or unfurnished

4.00

4.00

where heating is included, additional

11.95

15.45

Maximum rates for recovery of overpayments

ordinary overpayments

8.70

9.00

where claimant convicted of fraud

11.60

12.00

Incapacity Benefit

Long-term Incapacity Benefit

78.50

81.35

Short-term Incapacity Benefit

(under state pension age)

lower rate

59.20

61.35

higher rate

70.05

72.55

Short-term Incapacity Benefit

(over state pension age)

lower rate

75.35

78.05

higher rate

78.50

81.35

Increase of Long-term Incapacity Benefit for age

higher rate

16.50

17.10

lower rate

8.25

8.55

Invalidity Allowance (Transitional)

higher rate

16.50

17.10

middle rate

10.60

11.00

lower rate

5.30

5.50

Income Support

Personal Allowances

single

under 18 - usual rate

34.60

35.65

under 18 - higher rate payable

in specific circumstances

45.50

46.85

18 to 24

45.50

46.85

25 or over

57.45

59.15

lone parent

under 18 - usual rate

34.60

35.65

under 18 - higher rate payable

in specific circumstances

45.50

46.85

18 or over

57.45

59.15

couple

both under 18

34.60

35.65

both under 18, one disabled

45.50

46.85

both under 18, with responsibility for a child

68.65

70.70

one under 18, one 18-24

45.50

46.85

one under 18, one 25+

57.45

59.15

both 18 or over

90.10

92.80

dependent children

birth to September following

16th birthday

45.58

47.45

from September following 16th birthday to

day before 20th birthday

45.58

47.45

Premiums

family

16.25

16.43

family (lone parent rate)

16.25

16.43

pensioner

couple

83.95

88.90

pensioner (enhanced)

couple

83.95

88.90

pensioner (higher)

couple

83.95

88.90

disability

single

24.50

25.25

couple

34.95

36.00

enhanced disability premium single rate

11.95

12.30

disabled child rate

18.13

18.76

couple rate

17.25

17.75

severe disability

single

46.75

48.45

couple (lower rate)

46.75

48.45

couple (higher rate)

93.50

96.90

disabled child

45.08

46.69

carer

26.35

27.15

Housing costs

deductions for non-dependants

aged 25 and over, in receipt of Income Support

aged 25 and over, in receipt of Income Support

or income based Job Seekers Allowance

aged 18 or over, not in work

7.40

7.40

aged 18 or over and in remunerative work

- gross income: less than £111

7.40

7.40

- gross income: £111 to £163.99

17.00

17.00

- gross income: £164 to £212.99

23.35

23.35

- gross income: £213 to £282.99

38.20

38.20

- gross income: £283 to £352.99

43.50

43.50

- gross income: £353 and above

47.75

47.75

Deduction for third party payments

arrears of housing, fuel and water costs

council tax etc

2.90

3.00

Child support maintenance deduction. contribution towards maintenance (CTM)

deductions for child maintenance (CTM) standard

5.80

6.00

deductions for child maintenance (CTM) lower

2.90

3.00

Arrears of Community Charge

court order against claimant

2.90

3.00

court order against couple

4.55

4.65

Third party deductions

19.60

20.45

personal expenses allowance

Third party deduction for fine or compensation order

standard rate

5.00

5.00

lower rate

2.90

3.00

Maximum rates for recovery of overpayments

ordinary overpayments

8.70

9.00

where claimant convicted of fraud

11.60

12.00

Relevant sum for strikers

31.00

32.00

Capital

upper limit

16,000.00

16,000.00

amount disregarded

6,000.00

6,000.00

upper limit (partner 60 or over)

16,000.00

16,000.00

amount disregarded (partner 60 or over)

6,000.00

6,000.00

child’s limit

3,000.00

3,000.00

upper limit (RC/NH)

16,000.00

16,000.00

amount disregarded (RC/NH)

10,000.00

10,000.00

Tariff income

£1 for every complete £250 or part

thereof between amount of capital

disregarded and capital upper limit

Disregards

standard earnings

5.00

5.00

couples earnings

10.00

10.00

higher earnings

20.00

20.00

war disablement pension and war

widow’s pension

10.00

10.00

Armed Forces Compensation Scheme

10.00

10.00

student loan

10.00

10.00

student’s covenanted income

5.00

5.00

income from boarders:

disregard the fixed amount (£20) plus

50% of the balance of the charge

20.00

20.00

Expenses for subtenants

furnished or unfurnished

4.00

4.00

where heating is included, additional

11.95

15.45

Industrial Death Benefit

Widow’s pension

higher rate

84.25

87.30

lower rate

25.28

26.19

Widower’s pension

84.25

87.30

Industrial Injuries Disablement Pension

18 and over, or under 18 with dependants

100%

127.10

131.70

90%

114.39

118.53

80%

101.68

105.36

70%

88.97

92.19

60%

76.26

79.02

50%

63.55

65.85

40%

50.84

52.68

30%

38.13

39.51

20%

25.42

26.34

Under 18

100%

77.90

80.70

90%

70.11

72.63

80%

62.32

64.56

70%

54.53

56.49

60%

46.74

48.42

50%

38.95

40.35

40%

31.16

32.28

30%

23.37

24.21

20%

15.58

16.14

Maximum life gratuity (lump sum)

8,450.00

8,750.00

Unemployability Supplement

78.50

81.35

plus where appropriate an increase

for early incapacity

higher rate

16.50

17.10

middle rate

10.60

11.00

lower rate

5.30

5.50

Maximum reduced earnings allowance

50.84

52.68

Maximum retirement allowance

12.71

13.17

Constant attendance allowance

exceptional rate

101.80

105.40

intermediate rate

76.35

79.05

normal maximum rate

50.90

52.70

part-time rate

25.45

26.35

Exceptionally severe disablement allowance

50.90

52.70

Jobseekers Allowance

Contribution based JSA — Personal rates

under 18

34.60

35.65

18 to 24

45.50

46.85

25 or over

57.45

59.15

Income-based JSA — personal allowances

under 18

34.60

35.65

18 to 24

45.50

46.85

25 or over

57.45

59.15

lone parent

under 18 - usual rate

34.60

35.65

under 18 - higher rate payable

in specific circumstances

45.50

46.85

18 or over

57.45

59.15

couple

both under 18

34.60

35.65

both under 18, one disabled

45.50

46.85

both under 18, with responsibility for a child

68.65

70.70

one under 18, one 18-24

45.50

46.85

one under 18, one 25 +

57.45

59.15

both 18 or over

90.10

92.80

dependent children

from birth to September

following 16th birthday

45.58

47.45

from Sept. following 16th birthday to

day before 20th birthday

45.58

47.45

Premiums

family

16.25

16.43

family (lone parent rate)

16.25

16.43

pensioner

single

56.60

59.90

couple

83.95

88.90

pensioner (enhanced)

couple

83.95

88.90

pensioner (higher)

single

56.60

59.90

couple

83.95

88.90

disability

single

24.50

25.25

couple

34.95

36.00

enhanced disability premium single rate

11.95

12.30

disabled child rate

18.13

18.76

couple rate

17.25

17.75

severe disability

single

46.75

48.45

couple (lower rate)

46.75

48.45

couple (higher rate)

93.50

96.90

disabled child

45.08

46.69

carer

26.35

27.15

Housing costs

deductions for non-dependants

aged 25 and over, in receipt of Income Support

or income based Job Seekers Allowance

aged 18 or over, not in remunerative work

7.40

7.40

aged 18 or over and in remunerative work

- gross income: less than £111

7.40

7.40

- gross income: £111 to £163.99

17.00

17.00

- gross income: £164 to £212.99

23.35

23.35

- gross income: £213 to £282.99

38.20

38.20

- gross income: £283 to £352.99

43.50

43.50

- gross income: £353 and above

47.75

47.75

Deduction for third party payments

Deductions from JSA (IB)

arrears of housing, fuel and water costs

council tax, etc

2.90

3.00

Child support maintenance deduction contribution towards maintenance (CTM)

deductions for child maintenance (CTM) standard

5.80

6.00

deductions for child maintenance (CTM) lower

2.90

3.00

Arrears of Community Charge

court order against claimant

2.90

3.00

court order against couple

4.55

4.65

Third party deductions

personal expenses allowance

19.60

20.45

Deductions from JSA (Cont.)

Arrears of Comm. Charge, Council Tax, fines and overpayment recovery

Age 16 — 17

11.53

11.88

Age 18 — 24

15.16

15.61

Age 25 +

19.15

19.71

Maximum deduction for arrears of Child Maintenance (CTM)

Age 16 — 17

11.53

11.88

Age 18 — 24

15.16

15.61

Age 25 +

19.15

19.71

Third party deduction for fine or compensation order

standard rate

5.00

5.00

lower rate

2.90

3.00

Maximum rates for recovery of overpayments in JSA(IB)

ordinary overpayments

8.70

9.00

where claimant convicted of fraud

11.60

12.00

Prescribed sum for strikers

31.00

32.00

Capital

upper limit

16,000.00

16,000.00

amount disregarded

6,000.00

6,000.00

Child’s limit

3,000.00

3,000.00

upper limit (RC/NH)

16,000.00

16,000.00

amount disregarded (RC/NH)

10,000.00

10,000.00

upper limit (partner 60 or over)

16,000.00

16,000.00

amount disregarded (partner 60 or over)

6,000.00

6,000.00

Tariff income

£1 for every complete £250 or part

thereof between amount of capital

disregarded and capital upper limit

Disregards

standard earnings

5.00

5.00

couples earnings

10.00

10.00

higher earnings

20.00

20.00

war disablement pension and war

widow’s pension

10.00

10.00

Armed Forces Compensation Scheme

10.00

10.00

student loan

10.00

10.00

student’s covenanted income

5.00

5.00

income from boarders:

disregard the fixed amount (£20) plus

50% of the balance of the charge

20.00

20.00

Expenses for subtenants

furnished or unfurnished

4.00

4.00

where heating is included, additional

11.95

15.45

Maternity Allowance

Standard rate

108.85

112.75

MA threshold

30.00

30.00

Pension Credit

Standard minimum guarantee

single

114.05

119.05

couple

174.05

181.70

Additional amount for severe disability

single

46.75

48.45

couple (one qualifies)

46.75

48.45

couple (both qualify)

93.50

96.90

Additional amount for carers

26.35

27.15

Savings credit

threshold - single

84.25

87.30

threshold - couple

134.75

139.60

maximum - single

17.88

19.05

maximum - couple

23.58

25.26

Capital

Amount disregard

6,000.00

6,000.00

Amount disregard - care homes

10,000.00

10,000.00

Deemed income

£1 for each complete £500 or part

thereof in excess of above amounts

Housing costs

Deduction for non-dependents

- aged 18 or over, in receipt of IS/JSA(IB) and over 25

7.40

7.40

- aged 18 or over and in work:

aged 18 or over and in remunerative work

- gross income: less than £111

7.40

7.40

- gross income: £111 to £163.99

17.00

17.00

- gross income: £164 to £212.99

23.35

23.35

- gross income: £213 to £282.99

38.20

38.20

- gross income: £283 to £352.99

43.50

43.50

- gross income: £353 and above

47.75

47.75

Amount for claimant and first spouse in

174.05

181.70

polygamous marriage

Additional amount for additional spouse

60.00

62.65

Disregards

Standard earnings

5.00

5.00

Couples earnings

10.00

10.00

Higher earnings

20.00

20.00

War disablement pension and

War widows pension

10.00

10.00

Armed Forces Compensation Scheme

10.00

10.00

Widowed Parent’s Allowance

10.00

10.00

Income from subtenants

20.00

20.00

Income from boarders

20.00

20.00

(disregard the fixed amount (£20) plus

50% of the balance of the charge)

Third Party Deductions

arrears of housing, fuel, water costs

2.90

3.00

council tax etc

Child support maintenance deduction contribution towards maintenance (CTM)

deductions for child maintenance (CTM) standard

5.80

6.00

deductions for child maintenance (CTM) lower

2.90

3.00

Arrears of Community Charge

court order against claimant

2.90

3.00

court order against couple

4.55

4.65

Maximum rates of recovery of overpayments

- ordinary overpayments

8.70

9.00

- where claimant convicted of fraud

11.60

12.00

Third party deductions

19.60

20.45

personal expenses allowance

Third party deduction for fine or compensation order

standard rate

5.00

5.00

lower rate

2.90

3.00

Pneumoconiosis, Byssinosis, and Miscellaneous Diseases Scheme

and The Workmen’s Compensation (Supplementation)

Total disablement allowance and major

incapacity allowance (maximum)

127.10

131.70

Partial disablement allowance

46.95

48.65

Unemployability supplement

78.50

81.35

plus where appropriate increases

for early incapacity

higher rate

16.50

17.10

middle rate

10.60

11.00

lower rate

5.30

5.50

Constant attendance allowance

exceptional rate

101.80

105.40

intermediate rate

76.35

79.05

normal maximum rate

50.90

52.70

part-time rate

25.45

26.35

Exceptionally severe disablement allowance

50.90

52.70

Lesser incapacity allowance

maximum rate of allowance

46.95

48.65

based on loss of earnings over

62.25

64.50

State Pension

Category A or B

84.25

87.30

Category B(lower) — husband’s insurance

50.50

52.30

Category C or D - non-contributory

50.50

52.30

Category C (lower) - non-contributory

30.20

31.30

Additional pension

Increase by:

3.6%

Increments to:-

Increase by:

Basic pension

3.6%

Additional pension

3.6%

Graduated Retirement Benefit (GRB)

3.6%

Inheritable lump sum

3.6%

Contracted-out Deduction from AP in respect of

Nil

pre-April 1988 contracted-out earnings

Contracted-out Deduction from AP in respect of

contracted-out earnings from April 1988 to 1997

3.0%

Graduated Retirement Benefit (unit)

0.1020

0.1057

Graduated Retirement Benefit (Inherited)

Increase by:

3.6%

Addition at age 80

0.25

0.25

Severe Disablement Allowance

Basic rate

47.45

49.15

Age-related addition (from December 90)

Higher rate

16.50

17.10

Middle rate

10.60

11.00

Lower rate

5.30

5.50

Statutory Adoption Pay

Earnings threshold

84.00

87.00

Standard Rate

108.85

112.75

Statutory Maternity Pay

Earnings threshold

84.00

87.00

Standard rate

108.85

112.75

Statutory Paternity Pay

Earnings threshold

84.00

87.00

Standard Rate

108.85

112.75

Statutory Sick Pay

Earnings threshold

84.00

87.00

Standard rate

70.05

72.55

Widow's Benefit

Widowed mother’s allowance

84.25

87.30

Widow’s pension

standard rate

84.25

87.30

age-related

age 54 (49)

78.35

81.19

53 (48)

72.46

75.08

52 (47)

66.56

68.97

51 (46)

60.66

62.86

50 (45)

54.76

56.75

49 (44)

48.87

50.63

48 (43)

42.97

44.52

47 (42)

37.07

38.41

46 (41)

31.17

32.30

45 (40)

25.28

26.19

Note: For deaths occurring before 11 April 1988

refer to age-points shown in brackets.

Bereavement Benefit

Bereavement payment (lump sum)

2,000.00

2,000.00

Widowed parent’s allowance

84.25

87.30

Bereavement Allowance

standard rate

84.25

87.30

age-related

age 54

78.35

81.19

53

72.46

75.08

52

66.56

68.97

51

60.66

62.86

50

54.76

56.75

49

48.87

50.63

48

42.97

44.52

47

37.07

38.41

46

31.17

32.30

45

25.28

26.19



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