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Council Tax Reduction - severe disability premium for pensioners

To work out whether you're entitled to Council Tax Reduction (CTR) and how much you’re entitled to, your local authority may need to compare your weekly income with an amount the government says you need to live on. This amount is called your applicable amount.

If you're a severely disabled pensioner, the local authority may add a severe disability premium to your applicable amount. They will only do this if you meet certain conditions.

Read this page to find out about the conditions you have to meet to have the severe disability premium added to your applicable amount if you're a pensioner.

Severe disability premium

There are two rates of severe disability premium:

  • a single premium for severely disabled pensioners who are single or lone parents
  • a couples premium which can be applied if you're both part of a couple and you both meet certain conditions.

Who is a pensioner

For Council Tax Reduction, you are a pensioner if:

  • you have reached the age where you could get Pension Credit, even if you don't claim it, and
  • you, or your partner, are not getting Income Support, income-based Jobseeker's Allowance, income-related Employment and Support Allowance or Universal Credit.

You can find out whether you've reached Pension Credit age by using the calculator on the GOV.UK website at www.gov.uk.

If you're single or a lone parent

If you're a severely disabled pensioner who is single or a lone parent, you will qualify for the severe disability premium if you meet the following conditions:

You don't have a non-dependant living with you

You must not have a non-dependant aged 18 or over living with you. A non-dependant is someone like an adult daughter, son or parent living in your household.

No-one is getting Carer's Allowance for you

No-one must be getting Carer's Allowance for looking after you. If someone starts getting Carer's Allowance, the severe disability premium should no longer be included in your applicable amount.

You're getting certain benefits

You must also be getting one of the following benefits:

  • Attendance Allowance
  • the higher or middle rate care component of Disability Living Allowance
  • the daily living component of Personal Independence Payment
  • an Armed Forces Independence Payment.

If you're part of a couple

If you're part of a couple, the local authority may apply the couple's rate of the severe disability premium to your applicable amount. They will do this if you both meet the following conditions:

You must not have a non-dependant aged 18 or over living with you. A non-dependant is someone like an adult daughter, son or parent living in your household.

Someone must not be getting Carer's Allowance for looking after either you or your partner. If someone starts getting Carer's Allowance, you will not be entitled to the couple's rate of the severe disability premium. However, if someone is getting Carer's Allowance for looking after only one of you, you may still be able to get the single severe disability premium added to your applicable amount.

You must also both be getting one of the following benefits:

  • Attendance Allowance
  • the higher or middle rate care component of Disability Living Allowance
  • the daily living component of Personal Independence Payment
  • an Armed Forces Independence Payment.

If your partner doesn't get one of these benefits but is registered blind, you can still get the single severe disability premium added to your applicable amount, as long as you meet the conditions for getting this premium.

Non-dependants who are ignored

Some non-dependent adults who live with you are ignored when the local authority works out whether or not to apply a severe disability premium. A non-dependent adult living with you will be ignored if they:

  • are blind or registered blind
  • get Attendance Allowance
  • get the higher or middle rate care component of Disability Living Allowance
  • get the daily living component of Personal Independence Payment
  • get an armed forces Independence Payment.

If you have a non-dependent adult living with you who meets one of these conditions, this will not stop you qualifying for the severe disability premium.

Carer's Allowance

If someone becomes entitled to carer's allowance for looking after you or your partner and it is backdated the local authority must treat Carer's Allowance as if it was not paid for this period of backdating. This means that, during the period of the backdating, you would continue to be entitled to the severe disability premium.

If your circumstances change

If your circumstances change in a way that might affect how much Council Tax Reduction you can get, you must tell the local authority about the change. For example, you will need to tell them if you stop getting one of the benefits that helps you qualify for the severe disability premium or if someone starts getting Carer's Allowance for looking after you.

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