How do savings/capital above £6,000/£10,000 affect the HB Award?

What counts as savings/capital?

Some types of savings/capital are totally disregarded - which are they?

When and how are these disregarded?

What if the claimant owns or jointly owns a property?

How are 'pension pots' taken into account?

What if the claimant has spent or given away their savings/capital ?

What is notional capital and how does it affect an award of HB?

How do trusts affect an award of HB?