The ability to backdate Housing Benefit claims has offered a valuable breathing space in these cases, making sure that pressuring someone to complete their claim quickly needn't create a needless barrier to providing the support they need.Following the Government’s proposal in July to reduce the period for which a claim can be backdated from the current six months to one month, the Social Security Advisory Committee advised them to find a compromise.“The Committee’s report assumes that the move from six to one month backdating will automatically lead to tenants falling into rent arrears.
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This effectively allows the Housing Benefit claim date to follow the backdating in the other benefit.
Those affected who don’t have the potential to be passported in this way will be those with other income, including earnings, who do not qualify for another income-related benefit.
We know from many of our members that it can be very difficult to get some of the people they work with to make a timely claim for Housing Benefit.
This might be a small minority of people, often with high level mental health problems and a mistrust of authority and services, but they are acute cases who will need support.
When you buy life insurance, there may come a time near the end of the process where your broker or agent will talk to you about backdating the policy.
If this happens, don't panic—your broker didn't just turn into a con artist.
Take auto insurance, for example: if you backdate your car insurance policy so that it says you were covered for an accident you had the month you actually bought the policy, you'll be committing fraud.
You do not want to backdate your auto insurance policy. Life insurance is different because by making your policy retroactive by a short period, the insurer isn't taking on any more risk.
They recommended that: “if the Government still wishes to make an early reduction in the backdating period, a three month period would strike a better balance between the aim of security an expenditure saving and recognition of the substantial differences between Housing Benefit legacy and Universal Credit positions.” The Government has rejected that advice, so from April 2016, Housing Benefit claims will only be backdated for a maximum of one month, regardless of reason.
Although they have stated that by the time the change comes in the “.
Backdating your life insurance isn't as useful for younger applicants because the difference in premiums from year to year won't be that wide.