Monetary help for individuals dwelling in Wales throughout the price of dwelling disaster

Promoting collaboration with Advicelink Cymru and the Welsh Authorities

The previous couple of months have been a few of the hardest many people have skilled financially, with the price of dwelling disaster impacting individuals dramatically.

Nevertheless, assist is on the market, with the Welsh Authorities providing a variety of monetary help schemes. This contains one off value of dwelling funds to individuals who at the moment obtain advantages, in addition to council tax reductions. 

Learn on to seek out out what help you could possibly be entitled to and methods to entry it.

When you have kids underneath 16, you may additionally discover this weblog publish helpful, detailing the assistance out there particularly for households in Wales, together with The Childcare Supply for Wales, Free Faculty Meals and assist with faculty prices.

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Discretionary Help Fund (DAF)

What’s the Discretionary Help Fund?

The Discretionary Help Fund (DAF) is on the market for individuals in Wales on a low earnings to supply further monetary help in instances of disaster or emergency.

There are two various kinds of funds you’ll be able to obtain by means of DAF, an Emergency Help Cost (EAP) and Particular person Help Cost (IAP).

The cash doesn’t must paid again.

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Emergency Help Cost (EAP)

The Emergency Help Cost is a grant to assist pay for important prices, comparable to meals, gasoline, electrical energy, clothes or emergency journey.

It’s for individuals who:

• are experiencing excessive monetary hardship
• have misplaced their job
• have utilized for advantages and are ready for his or her first cost

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From 1 April 2023, all candidates can be eligible for 3 funds in a 12-month rolling interval, with not less than a seven day hole between purposes. For households, this might imply as much as £111 3 times a 12 months.

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Particular person Help Cost (IAP)

The Particular person Help Cost is a grant that will help you or somebody you take care of stay independently of their dwelling or a property that you just or they’re transferring into.

You should use the grant for:

• a fridge, cooker, washer and different ‘white items’
• dwelling furnishings comparable to beds, sofas and chairs

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Who’s entitled to the Discretionary Help Fund?

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Emergency Help Cost (EAP)

To get a grant, you should:

• be in excessive monetary hardship, for instance you’ve misplaced your job, utilized for advantages and are ready in your first cost, or haven’t any cash to purchase meals, gasoline and electrical energy
• be in a disaster scenario and in want of instant monetary help
• stay in Wales
• be over 16
• haven’t any different cash for instance financial savings, and have thought of all different authorized and accountable lenders comparable to credit score unions

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Particular person Help Cost (IAP)

The IAP is now referral-only from associate organisations. Nevertheless it’s nonetheless value checking with Advicelink Cymru to see in the event you’re eligible for referral.

Utilizing the IAP, can solely apply for a fridge, cooker or washer (white items) and furnishings by means of an accepted associate.

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You will need to:

• stay in Wales
• be over 16
• haven’t any entry to different cash and tried all different inexpensive sources of funding for instance credit score union
• not be dwelling in a care dwelling (except being discharged in 6 weeks)
• not be in jail (except being discharged in 6 weeks)
• not be a member of a completely maintained spiritual order

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You have to be getting one of many following:

• Revenue Assist
• earnings based mostly Jobseekers Allowance
• earnings associated Employment and Assist Allowance
• Assured Credit score factor of Pension Credit score
• Common Credit score

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You will need to meet one of many following:

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• you might be leaving a care dwelling or establishment (hospital, jail or foster carer) after 3 months (minimal) to stay independently
• you wish to keep dwelling in the neighborhood relatively than having to enter an establishment (hospital or care dwelling)
• you might be organising dwelling after an unsettled lifestyle
• you have to transfer dwelling shortly on account of a relationship breakdown or home violence
• you’re going to look after a prisoner or younger offender launched on a brief license

How do I declare the Discretionary Help Fund?

You may apply on-line for each the Emergency Help Cost and the Particular person Help Cost right here.

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Emergency Help Cost (EAP)

It takes 24 hours to course of purposes made Monday to Friday. For those who apply after 12 pm on a Friday, you’ll not be contacted till the next Monday.

If accepted, you’ll obtain:

• a PayPoint voucher or BACS cost for meals, gasoline, electrical energy and emergency journey
• vouchers that will help you purchase garments

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Particular person Help Cost (IAP)

Purposes take 10 working days to course of.

If accepted, you’ll obtain:

• white items comparable to fridge, cooker or washer from AO Retail Restricted
• dwelling furnishings comparable to beds, sofas and chairs from The Furnishings Service (TFS)

In case your utility isn’t accepted, you’ll obtain a letter by publish or e-mail outlining the explanations. You may ask for this to be reviewed.

For extra info go to the Discretionary Help Fund (DAF) web site right here.

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Common Credit score

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What’s Common Credit score?

Common Credit score is a means-tested profit for individuals of working age that tops up earnings from low paid employment, to make sure that an individual has a minimal stage of month-to-month earnings. The minimal stage of earnings an individual wants is a person calculation that takes under consideration elements together with their age, if they’ve a associate, if they’ve dependent kids, their well being, in the event that they pay hire, any childcare prices, any disabilities that have an effect on their capability to work and so forth. Common Credit score is claimed from the Division of Work and Pensions and is paid month-to-month.

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Who’s entitled to Common Credit score?

You could possibly get Common Credit score in the event you’re on a low earnings, are out of labor, can’t work, or need assistance together with your dwelling prices.

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To say, you should,

• stay within the UK
• be aged 18 or over (there are some exceptions in the event you’re 16 to 17)
• be underneath State Pension age
• have £16,000 or much less in cash, financial savings and investments

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For those who stay together with your associate, you will have to make a joint declare in your family, even when your associate isn’t eligible. Their earnings and financial savings will have an effect on your entitlement.

For those who have a incapacity or well being situation that impacts your capability to work, chances are you’ll be entitled to more money for Common Credit score.

For those who stay with a associate and solely one in every of you has reached State Pension age, you’ll be able to nonetheless declare as a pair. Your Common Credit score declare will cease whenever you each attain State Pension age.

In case you are finding out or in coaching, you may make a declare for Common Credit score in the event you’re in full-time training and you reside together with your associate and so they’re eligible for Common Credit score; otherwise you’re accountable for a kid, both as a single particular person or as a pair; otherwise you’ve reached State Pension age and stay with a associate who’s under State Pension age. You may also declare Common Credit score in the event you’re 21 or underneath, finding out any qualification as much as A stage or equal and should not have parental help.

The Common Credit score web site particulars extra circumstances wherein an individual could possibly declare.

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How do I declare Common Credit score?

You may apply for Common Credit score on-line. For those who can’t declare on-line you’ll be able to declare by cellphone by means of the Common Credit score helpline. You may also get help from the Residents Recommendation Assist to Declare service.

Adjustments in circumstances can have an effect on how a lot you might be paid. Any modifications in circumstances needs to be reported instantly so as to get the right cost.

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You could find extra info on Common Credit score, together with methods to declare, right here

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Council Tax reductions and reductions

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What’s the Council Tax Discount Scheme?

The Council Tax Discount Scheme is a means-tested profit that helps individuals on a low earnings to pay their Council Tax invoice. Any assist an individual is entitled to is deducted immediately from their Council Tax invoice.

Relying in your circumstances, chances are you’ll be entitled to a 25% or 50% discount or an exemption.

Who’s entitled to a reduction or a discount?

You often must pay Council Tax in case you are 18 or over and personal or hire a house. A Council Tax invoice is often based mostly on two adults dwelling in a property. Nevertheless, in some circumstances chances are you’ll be eligible to obtain a discount or low cost if:

• you stay in a low-income family (and are eligible to obtain sure advantages)

• you stay alone (or are the one grownup dwelling with an individual from a sure group e.g. an individual aged 17 or underneath, or a personon a authorities coaching scheme or some apprentice schemes).

• you are a pupil (you might be exempt from paying Council Tax in the event you stay in a flat, home or bedsit by yourself or with different college students solely, or in a room in halls of residence. For those who stay with somebody who isn’t a pupil you’ll not be counted in the direction of the Council Tax invoice for the property)

• you are severely mentally impaired (for instance with a situation comparable to Alzheimer’s Illness, Parkinson’s illness, extreme studying difficulties, stroke, and different types of dementia; and are in receipt of 1 and are eligible sure advantages.)
• you are disabled (In case your property has been tailored in a method that meets the factors on the web site for somebody who’s considerably and completely disabled, who lives on the property, and for whom the adaption is crucial or of main significance to the disabled particular person’s wellbeing, chances are you’ll be eligible to get your Council Tax invoice lowered by one valuation band. For instance, if the property is valued in Band C, the invoice can be charged in Band B. 

• you’re a carer (you should present look after not less than 35 hours every week; stay in the identical property because the particular person you take care of; should not be the partner or associate of the particular person you take care of, or their mother or father if you take care of a toddler underneath 18)

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How do I declare?

For those who suppose chances are you’ll be eligible for a Council Tax low cost or the Council Tax Discount Scheme it’s best to contact your native authority Council Tax division.

Extra detailed info is on the market on the eligibility for Council Tax reductions and reductions on the web site right here.

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To seek out out extra about what different monetary help you could possibly be entitled to, chat to Advicelink Cymru in confidence, with out judgment, and at no cost on 0808 250 5700 or go to gov.wales/heretohelp

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Cymorth ariannol i bobl sy’n byw yng Nghymru yn ystod yr argyfwng costau byw

Hysbysebu ar y cyd gan Advicelink Cymru a Llywodraeth Cymru

Mae’r misoedd diwethaf wedi bod yn rhai o’r anoddaf y mae nifer ohonom wedi’u hwynebu’n ariannol, gyda’r argyfwng costau byw yn effeithio’n ofnadwy ar bobl.

Ond mae assist ar gael, gan fod Llywodraeth Cymru yn cynnig nifer o gynlluniau cymorth ariannol. Mae hynny’n cynnwys taliadau costau byw untro i bobl sy’n cael budd-daliadau ar hyn o bryd, yn ogystal â gostyngiadau’r dreth gyngor. 

Darllenwch ymlaen i wybod pa gymorth y gallech chi fod â hawl i’w gael a sut i fanteisio arno.

Os oes gennych chi blant o dan 16 oed, mae’n bosibl y bydd y weblog hwn hefyd yn ddefnyddiol, gan ei fod yn manylu ar y cymorth sydd ar gael yn benodol ar gyfer teuluoedd yng Nghymru, gan gynnwys Cynnig Gofal Plant Cymru, Prydau Ysgol am Ddim a assist gyda chostau ysgol.

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Cronfa Cymorth Dewisol (DAF)

Beth yw’r Gronfa Cymorth Dewisol?

Mae’r Gronfa Cymorth Dewisol (DAF) ar gael i bobl yng Nghymru ar incwm isel i gynnig cymorth ariannol ychwanegol ar adegau o argyfwng.

Mae dau gwahanol fath o daliadau y gallwch eu derbyn trwy DAF, Taliad Cymorth mewn Argyfwng (EAP) a Taliad Cymorth i Unigolion (IAP).

Nid oes rhaid talu’r arian yn ôl.

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Taliad Cymorth mewn Argyfwng (EAP)

Mae’r Taliad Cymorth mewn Argyfwng yn grant i helpu i dalu am gostau hanfodol, fel bwyd, nwy, trydan, dillad a theithio mewn argyfwng.

Mae ar gyfer pobl sydd:

• yn profi caledi ariannol eithafol
• wedi colli ei swydd
• wedi gwneud cais am fudd-daliadau ac yn aros am eu taliad cyntaf

O 1 Ebrill 2023, bydd pawb sy’n ymgeisio yn gymwys i gael tri thaliad mewn cyfnod dreigl o 12 mis, gyda bwlch o saith diwrnod o leiaf rhwng y ceisiadau. I deuluoedd, gallai hyn olygu hyd at £111 tair gwaith y flwyddyn.

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Taliad Cymorth i Unigolion (IAP)

Mae’r Taliad Cymorth i Unigolion yn grant i’ch helpu chi neu rywun yr ydych yn gofalu amdano yn eu cartref neu eiddo yr ydych chi neu nhw yn symud iddo.

Gallwch ddefnyddio’r grant ar gyfer:

• oergell, popty, peiriant golchi a ‘nwyddau gwyn’ eraill
• dodrefn i’r cartref er enghraifft gwelyau, soffas a chadeiriau

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Pwy sydd â hawl i’r Gronfa Cymorth Dewisol?

Taliad Cymorth Mewn Argyfwng

I gael grant, rhaid eich bod:

• mewn caledi ariannol eithafol, er enghraifft rydych chi wedi colli eich swydd, wedi gwneud cais am fudd-daliadau ac yn aros am eich taliad cyntaf, neu heb arian i brynu bwyd, nwy a thrydan
• mewn sefyllfa argyfyngus ac angen cymorth ariannol ar unwaith
• yn byw yng Nghymru
• dros 16 oed
• heb arian arall, er enghraifft cynilion, ac wedi ystyried pob benthyciwr cyfreithiol a chyfrifol arall megis undebau credyd

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Taliad Cymorth i Unigolion

Mae’r Taliad Cymorth i Unigolion nawr ond ar gael drwy atgyfeiriad gan sefydliadau associate. Ond mae hello’n dal yn werth cadarnhau gydag Advicelink Cymru i weld a ydych chi’n gymwys i gael eich atgyfeirio.

Gan ddefnyddio’r Taliad Cymorth i Unigolion  mae ond modd gwneud cais am oergell, ffwrn neu beiriant golchi (nwyddau gwyn) a dodrefn trwy bartner cymeradwy.

Rhaid eich bod:

• yn byw yng Nghymru
• dros 16 oed
• heb fynediad at arian arall ac wedi rhoi cynnig ar bob ffynhonnell fforddiadwy arall o gyllid er enghraifft undeb credyd
• ddim yn byw mewn cartref gofal (oni bai eich bod yn cael eich rhyddhau o fewn 6 wythnos)
• ddim yn y carchar (oni bai eich bod yn cael eich rhyddhau o fewn 6 wythnos)
• ddim yn aelod o urdd grefyddol a gynhelir yn llawn

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Mae’n rhaid eich bod yn cael un o’r canlynol:

• Cymorth Incwm
• Lwfans Ceisio Gwaith yn seiliedig ar incwm
• Lwfans Cyflogaeth a Chymorth sy’n gysylltiedig ag incwm
• Elfen Credyd Gwarant o Gredyd Pensiwn
• Credyd Cynhwysol

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Rhaid i chi fodloni un o’r canlynol:

• rydych chi’n gadael cartref gofal neu sefydliad (ysbyty, carchar neu ofalwr maeth) ar ôl 3 mis (o leiaf) i fyw’n annibynnol
• rydych chi eisiau parhau i fyw yn y gymuned yn hytrach na gorfod mynd i fyw mewn sefydliad (ysbyty neu gartref gofal)
• rydych chi’n sefydlu cartref wedi ffordd ansefydlog o fyw
• mae angen i chi symud cartref yn gyflym oherwydd tor-perthynas neu drais yn y cartref
• rydych chi’n mynd i ofalu am garcharor neu droseddwr ifanc sy’n cael ei ryddhau ar drwydded dros dro

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Sut ydw i’n hawlio’r Gronfa Cymorth Dewisol?

Gallwch chi wneud cais ar-lein am y Taliad Cymorth mewn Argyfwng a’r Taliad Cymorth i Unigolion yma.

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Taliad Cymorth mewn Argyfwng

Mae’n cymryd 24 awr i brosesu ceisiadau sy’n cael eu gwneud o ddydd Llun i ddydd Gwener. Os ydych chi’n gwneud cais ar ôl 12 pm ar ddydd Gwener, ni fydd unrhyw un yn cysylltu â chi tan y dydd Llun canlynol.

Os caiff ei gymeradwyo, byddwch chi’n derbyn:

• taleb PayPoint neu daliad BACS am fwyd, nwy, trydan a theithio mewn argyfwng
• talebau i’ch helpu chi i brynu dillad

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Taliad Cymorth Unigolion

Mae ceisiadau’n cymryd 10 diwrnod gwaith i brosesu.

Os caiff ei gymeradwyo, byddwch chi’n derbyn:

• nwyddau gwyn fel oergell, ffwrn neu beiriant golchi o AO Retail Restricted

dodrefn cartref fel gwelyau, soffas a chadeiriau gan y Gwasanaeth Dodrefnu

Os na chaiff eich cais ei gymeradwyo, byddwch chi’n derbyn llythyr drwy’r publish neu drwy e-bost yn amlinellu’r rhesymau. Gallwch chi ofyn i hwn yn cael ei adolygu.

Am ragor o wybodaeth ewch i wefan y Gronfa Cymorth Dewisol yma.https://www.llyw.cymru/cronfa-cymorth-dewisol-daf

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Credyd cynhwysol

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Beth yw Credyd Cynhwysol?

Mae Credyd Cynhwysol yn fudd-dal sy’n dibynnu ar brawf modd i bobl o oedran gweithio sydd yn ychwanegu at incwm o gyflogaeth â thâl isel, i sicrhau bod gan berson y lefel ofynnol o incwm misol. Mae’r lefel isaf o incwm sydd ei angen ar bobl yn gyfrifiad unigol sy’n ystyried ffactorau gan gynnwys eu hoedran, os oes ganddynt bartner, os oes ganddynt blant dibynnol, eu hiechyd, os ydynt yn talu rhent, unrhyw gostau gofal plant, unrhyw anableddau sy’n effeithio ar eu gallu i weithio ac ati. Mae Credyd Cynhwysol yn cael ei hawlio o’r Adran Gwaith a Phensiynau a chaiff ei dalu’n fisol.

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Pwy sydd â’r hawl i Gredyd Cynhwysol?

Efallai y byddwch chi’n gallu cael Credyd Cynhwysol os ydych chi ar incwm isel, yn ddi-waith, yn methu gweithio neu fod angen assist gyda’ch costau byw arnoch chi.

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I hawlio, rhaid eich bod,

• yn byw yn y DU
• yn 18 oed neu’n hŷn (mae rhai eithriadau os ydych chi’n 16 i 17 oed)
• o dan oedran Pensiwn y Wladwriaeth
• â £16,000 neu lai mewn arian, cynilion a buddsoddiadau

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Os ydych yn byw gyda’ch associate, bydd angen i chi wneud cais ar y cyd ar gyfer eich aelwyd, hyd yn oed os nad yw eich associate yn gymwys. Bydd ei incwm a’i gynilion yn effeithio ar eich hawl.

Os oes gennych anabledd neu gyflwr iechyd sy’n effeithio ar eich gallu i weithio, efallai y bydd gennych chi’r hawl i arian ychwanegol ar gyfer Credyd Cynhwysol.

Os ydych chi’n byw gyda phartner a dim ond un ohonoch sydd wedi cyrraedd oedran Pensiwn y Wladwriaeth, gallwch chi hawlio fel cwpl. Bydd eich cais Credyd Cynhwysol yn dod i ben pan fydd y ddau ohonoch chi’n cyrraedd oedran Pensiwn y Wladwriaeth.

Os ydych chi’n astudio neu’n hyfforddi, gallwch chi wneud cais am Gredyd Cynhwysol os ydych chi mewn addysg garden amser a’ch bod chi’n byw gyda’ch associate sy’n gymwys i gael Credyd Cynhwysol; neu os ydych chi’n gyfrifol am blentyn, naill ai fel particular person sengl neu fel cwpl; neu os ydych chi wedi cyrraedd oedran Pensiwn y Wladwriaeth ac yn byw gyda phartner sydd o dan oedran Pensiwn y Wladwriaeth. Gallwch chi hefyd hawlio Credyd Cynhwysol os ydych chi’n 21 oed neu’n iau, yn astudio unrhyw gymhwyster hyd at Safon Uwch neu gymhwyster cyfatebol ac nad oes gennych chi gefnogaeth rhieni.

Mae gwefan Credyd Cynhwysol yn manylu ar fwy o amgylchiadau y gall particular person hawlio, o bosibl.

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Sut ydw i’n hawlio Credyd Cynhwysol?

Gallwch chi wneud cais am Gredyd Cynhwysol ar-lein. Os na allwch chi hawlio ar-lein, gallwch chi hawlio dros y ffôn drwy linell gymorth Credyd Cynhwysol. Gallwch chi hefyd gael cymorth gan y gwasanaeth Cymorth i Hawlio Cyngor ar Bopeth.

Gall newidiadau mewn amgylchiadau effeithio ar faint yr ydych chi’n cael eich talu. Dylech chi roi gwybod ar unwaith am unrhyw newidiadau mewn amgylchiadau er mwyn cael y taliad cywir.

Gallwch chi gael mwy o wybodaeth am Gredyd Cynhwysol, gan gynnwys sut i hawlio, yma https://www.gov.uk/universal-credit

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Disgowntiau a gostyngiadau’r Dreth Gyngor

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Pwy sydd â’r hawl i gael disgownt neu ostyngiad?

Fel arfer, rydych chi’n gorfod talu’r Dreth Gyngor os ydych chi’n 18 oed neu’n hŷn ac yn berchen ar gartref, neu’n ei rentu. Mae bil y Dreth Cyngor fel arfer yn seiliedig ar ddau oedolyn yn byw mewn eiddo. Fodd bynnag, mewn rhai amgylchiadau efallai y byddwch chi’n gymwys i gael disgownt neu ostyngiad os:

• ydych chi’n byw ar aelwyd incwm isel (ac yn gymwys i gael budd-daliadau penodol)

• ydych chi’n byw ar eich pen eich hun (neu mai chi yw’r unig oedolyn sy’n byw gyda pherson o grŵp penodol e.e. particular person 17 oed neu iau, neu berson ar gynllun hyfforddi’r llywodraeth neu rai cynlluniau prentisiaid).
• ydych chi’n fyfyriwr (rydych chi wedi’ch eithrio rhag talu’r Dreth Gyngor os ydych chi’n byw mewn fflat, tŷ neu cartref un ystafell ar eich pen eich hun neu gyda myfyrwyr eraill yn unig, neu mewn ystafell mewn neuadd breswyl. Os ydych chi’n byw gyda rhywun nad ydyn nhw’n fyfyriwr ni fyddwch chi’n cael eich cyfrif tuag at fil y Dreth Gyngor ar gyfer yr eiddo)

• ydych chi â nam meddyliol difrifol (er enghraifft bod gennych chi gyflwr fel Clefyd Alzheimer, Clefyd Parkinson, anawsterau dysgu difrifol, strôc, a mathau eraill o ddementia; ac yn derbyn budd-daliadau cymwys penodol.
• ydych chi’n anabl (Os yw eich eiddo wedi cael ei addasu mewn ffordd sy’n bodloni’r meini prawf ar y wefan i rywun sydd ag anabledd sylweddol a pharhaol, sy’n byw yn yr eiddo, ac y mae’r addasiad yn hanfodol neu o bwys mawr i les y particular person anabl, efallai y byddwch chi’n gymwys i gael bil eich Treth Gyngor wedi’i leihau gan un band prisio. Er enghraifft, os yw’r eiddo’n cael ei brisio ym Mand C, caiff y bil ei godi ym Mand B.

• ydych chi’n ofalwr (rhaid eich bod chi’n darparu gofal am o leiaf 35 awr yr wythnos; byw yn yr un eiddo â’r particular person yr ydych chi’n gofalu amdano; rhaid i chi beidio â bod yn briod neu’n bartner i’r particular person yr ydych chi’n gofalu amdano, neu ei riant os ydych chi’n gofalu am blentyn o dan 18 oed)

Yn dibynnu ar eich amgylchiadau, gall fod gennych chi’r hawl i gael gostyngiad o 25% neu 50% neu eithriad.

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Beth yw Cynllun Gostyngiadau’r Dreth Cyngor?

Budd-dal sy’n dibynnu ar brawf modd yw Cynllun Gostyngiadau’r Dreth Gyngor ac mae’n helpu pobl ar incwm isel i dalu eu bil Treth  Gyngor. Mae unrhyw assist y mae gan unigolyn yr hawl iddo yn cael ei ddidynnu yn uniongyrchol o’i fil y Dreth Cyngor.

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Sut ydw i’n hawlio?

Os ydych chi’n credu y gallech chi fod yn gymwys i gael disgownt y Dreth Gyngor neu Gynllun Gostyngiadau’r Dreth Gyngor dylech gysylltu ag adran Treth Gyngor eich awdurdod lleol.

Mae gwybodaeth fanylach ar gael ar y cymhwysedd ar gyfer disgowntiau a gostyngiadau’r Dreth Gyngor ar y wefan yma.

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I gael gwybod mwy am ba gymorth ariannol arall y gallai fod gennych chi’r hawl iddo, gallwch gael sgwrs gydag Advicelink Cymru yn gyfrinachol, heb feirniadaeth, ac am ddim ar 0808 250 5700 neu ewch i llyw.cymru/ymaihelpu

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