So me and my amazing partner have just got engaged, she is living with FND which means she can’t work morethan a couple hours a day and we are reliant on her PIP and UC to make ends meet.
We are staring to think about settling down starting a family and as part of that we wanted to look into buying are first home, something that I can rip apart to make as accessible as she needs without a landlord getting pissy about it but we can’t.
If we try to save for a deposit they will have our UC of us and then we won’t be able to make ends meet, not to mention the fact we want to save for a wedding and honey moon which again we can’t do because they will loose our UC
So in summary His Majesties government seem to believe that disabled people don’t deserve the wedding, house or anything else you can think of of there dreams.
Rant over thanks for listening.
@Will1902 this is the place for rants so it must feel good to get that off your chest. I am not sure but are there charities that can help you find a property that is accessible for you to rent. Getting a deposit for a house is sadly out of reach for so many now and that is a problem with our housing market rather than a government issue.
You do not say if you work and I think as you are not married savings in your name are not part of your partners assessment. There will be many here that are more aware of how these are all assessed. My own wedding was a trip for four to the registry office so I am not one to comment on how to save for them.
Congratulations on your engagement and may you have every happiness you can find
Hi thanks for your reply, I don’t work I am my partner’s carer and due to a multitude of reasons lost my job earlier this year. Because we live together Universal Credit treats us as a joint entity so as soon as we save over 5k they start docking money off our UC and if we get to 16K saved we loose UC all together 
@Will1902 word just doesn’t adjust to caring does it unless you are lucky. From what you say a deposit for a house is out of reach but a wedding is not. So that could give you something to look forward to, which is always helpful.
I am sure there will be many here who can help with advice on access to resources.
It is always good to come to the forum when you feel alone.
We will work it out but it’s just frustrating because even when I was working full time earning over 30K we needed universal and I wish that especially in circumstances like ours where it’s through disability there were exemption to the savings cap
Sadly that policy is unlikely to change. But you can come here to vent all frustrations and seek support.
A wedding is about a solemn commitment to each other for life. It doesn’t have to cost a fortune, ours didn’t. Given your earnings potential, maybe look at the support your partner needs, and how her care needs can be met when you are at work?
We know that I’m more frustrated that we can’t put money away to save for any kind of big purchase like house deposit wedding or whatever because of the universal credit rules
Have you explored getting extra help for your partner so you can work again?
Her health has stabilised after a rough year so I’m hopefully going back to work soon but even still with only one full time salary we still need the benefits to top up
@Will1902 you are together that’s what matters. We couldn’t afford more than our rent, four people at our wedding then sandwiches in a pub. No honeymoon as we both had to go back to work. Still here 46 years so focus on her stabilised health, which is really good. I am sure she just wants you with her