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The Royal Society for the Support of Women of Scotland

Home | How To Get Help | How we assess "capital" and "income"

Applicants must have a level of "Capital/Savings" below £16,000, excluding the value of the house she lives in if she owns it.  We do not include the value of any vehicle or any paid-up funeral plans.  Our aim is to assess the funds available to the person if they need to use them, and so include Bank Accounts (Current and Savings), ISA's, shares, bonds and the value of any other property.  

Applicants must  also have “ Qualifying Income” below £10,000.  The Society has experienced a considerable increase in applications for assistance and is currently at full capacity. Preference will be given to applicants on the lowest of incomes as vacancies arise, and while a waiting-list system is in operation, applicants with Qualifying Incomes over £10,000 per annum are unlikely to be successful in the short term. To avoid disappointment, the Society has reduced the application ceiling to £10,000 from 1st April 2019 and until further notice

The Society uses a calculation of "income" as follows:

Include  (after tax, if deducted):-

  • Income from employment
  • Income from savings and investments
  • ALL State benefits, including working age benefits, retirement benefits and disability benefits.
  • £52 per year for every £500 of capital /savings held in excess of £4000. (A calculation very similar to that undertaken by DWP and Local Councils when assessing applicants for some benefits).
  • £25 per week (£1300 per year) assumed to be received from anyone sharing accommodation with the applicant/ beneficiary if that person is an adult with income from sources other than disability payments. Actual contribution included if greater than £25 per week.
  • Regular grants received from other charities.

Deduct:-

  • Net housing costs (rent or mortgage) and Council Tax after deducting any relevant benefit received.
  • Factoring costs, if applicable, up to a maximum of £1200 per year.
  • Where the applicant receives Attendance Allowance, Personal Independence Payments (Daily Living) or Disability Living Allowance (Care) and incurs care costs such as home help, gardener and other care costs we make allowances for these. Further  travel allowances are made against Attendance Allowance, PIP (Mobility) or DLA(Mobility).

This methodology is applied to both new applicants and existing beneficiaries, to establish their on-going qualification for assistance from the Society. It may, or may not, provide answers identical to  income calculations used by other charities or agencies. 

Please note that the Society is unlikely to admit any applicant, or continue to support any beneficiary, who is subject to any bankruptcy / sequestration / voluntary agreement arrangements unless their trustee is willing to provide written assurance that charitable payments made by the Society will be disregarded in their calculations. The Society's payments are considerd to be made for the personal benefit of the beneficiary, not for her creditors.