3. protection policy” means an insurance policy taken out to insure “mortgage against the risk of not being able to maintain repayments on a loan or mortgage 4. party” means a person or organisation to whom the claimant is liable to “third make payments for housing or accommodation. This could include a 4.1. landlord 4.2. building society insurance company 4.3. 4.4. residential care home, nursing home, Abbeyfield home or independent hospital (see DMG 51192 - 51196 for the meaning of residential care home, nursing home and ependent hospital) 5. capital repayments include repayments of capital on a mortgage “repayment” or loan as well as payments into 5.1. endowment policies 5.2. ividual savings accounts (ISAs) 5.3. personal pension plans investment plans 5.4. that have been taken out to repay a mortgage or loan. Note : that are sublet should be treated as part of the dwelling occupied as the home unless it is practicable or reasonable to sell that part of the house separately. Payments made direct to a third party when the claimant could not receive the income direct 51142 Where a claimant received housing costs within their award as in DMG 51141 2.2 then the decision maker should take these payments into account but only up to the level of the housing costs included in the applicable amount. Any excess should be ignored1. This disregard applies 1. to a payment if the claimant could not successfully apply to receive the income direct and 2. for any period before the claimant could expect to get a payment in a case where the claimant could successfully apply to receive the income direct. Note : The disregards in DMG 51150 et seq do not apply to these payments2. 1 ESA Regs (NI), reg 107(3)(c); 2 Sch 8, para 30(2) & 31(2) Example
3. “mortgage protection policy” means an insurance policy taken out to insure against the risk of not being able to maintain repayments on a loan or mortgage 4. “third party” means a person or organisation to whom the claimant is liable to make payments for housing or accommodation. This could include a 4.1. landlord 4.2. building society 4.3. insurance company 4.4. residential care home, nursing home, Abbeyfield home or independent hospital (see DMG 51192 - 51196 for the meaning of residential care home, nursing home and ependent hospital) 5. capital repayments include repayments of capital on a “repayment” mortgage or loan as well as payments into 5.1. endowment policies 5.2. ividual savings accounts (ISAs) 5.3. personal pension plans 5.4. investment plans that have been taken out to repay a mortgage or loan. Note : that are sublet should be treated as part of the dwelling occupied as the home unless it is practicable or reasonable to sell that part of the house separately. Payments made direct to a third party when the claimant could not receive the income direct 51142 Where a claimant received housing costs within their award as in DMG 51141 2.2 then the decision maker should take these payments into account but only up to the level of the housing costs included in the applicable amount. Any excess should be ignored1. This disregard applies 1. to a payment if the claimant could not successfully apply to receive the income direct and 2. for any period before the claimant could expect to get a payment in a case where the claimant could successfully apply to receive the income direct. Note : The disregards in DMG 51150 et seq do not apply to these payments2. 1 ESA Regs (NI), reg 107(3)(c); 2 Sch 8, para 30(2) & 31(2) Example