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ewbwd Ui cöm ½ h cökœ ev i ev ib wr Ám Kiv nq Frequently asked questions about benefits GB Z_ Bsj vû, I qjm, Uj vû Ges DËi Avqvij v Ûi R b cö hvr U v µwwu (Ki Qvo) wk Ges Avwg wkfv e Zv c Z cvwi? 2 gvî Avwg Avgvi KvR (PvKzix) nvwi qwq Avwg wk wk ai Yi ewbwdu cvevi hvm? 2 Avwg gv n Z P jwq Ges ewbwd Ui Dci i qwq Avwg wk wk mvnvh c Z cvwi? 3 Avwg Avgvi wnsmª m½xi (cvu bvi) KvQ _ K Avjv`v n qwq Avwg wk Kvb mvnvh c Z cvwi? 3 Avgvi eq Ges Amȳ cöwz ekx wk ai bi mvnvh c Z cv ib? 4 Avwg Avevi Kv R wd i M j wk Kvb Avw_ K mvnvh cv ev? 4 Avwg cbkb cvb Avwg wk Avi Kvb ai bi e bwdu c Z cvwi? 5 Avgvi xi g Zz i ci Avwg wk Kvb ewbwdu c Z cvwi? 5 Avgvi ev Pv wk GL bv PvBì Uªv dvû c Z cv i? 6 Avwg we ` k P j M ji wk Avgvi e bwdu cv ev? we `kx Kg x ev IqvK viiv wk hy³iv R e bwdu c Z cv ib? Avwg Amȳ Zvi Kvi Y Kv R h Z cvwi bv Avwg wk Kvb e bwdu cv ev? Copyright 2002 Citizens Advice All rights reserved Page 1 of 6

U v µwwu (Ki Qvo) wk Ges Avwg wkfv e Zv c Z cvwi? IqvwK s U v µwwu (We y.wu.wm) Ges PvBì U v µwwu (wm.wu.wm) n Q GK ai Yi ewbwdu hv Bbj vû iwfwbd e e vcbv K i _v K Avi ekxifvm ewbwdu wb q KvR K i wwcvu g U di IqvK GÛ cbkbm hviv ev Pv ev Aí eqmx Q j g q `i `vwq Z i q Qb Ges hv `i Avq GKwU wba vwiz mxgvi bx P Zviv PvBì U v µwwu (wm.wu.wm) c Z cv ib 50,000 nvrvi cvdû Avq m úbœ A_ev Zvi wbæ Avq m úbœ mkj cwievi wkqy bv wkqy wm.wu.wm cvevi R b hvm n e Avcwb KZ cv eb Zv wbf i Ki Q Avcbvi Q j g qi msl v KZ Ges Zv `i wk Kvb A gzv i q Q wkbv Zvi Dci Avcwb KvR Ki b A_ev KvR bv-b Ki b Avcwb wm.wu.wm cv eb Ges evoxi h cöavb hzœkvix ( Kqvivi) Zv K GÕwU mvaviyzt mivmwi g bvbxz e vsk GKvD U `qv nq IqvwK s U v µwwu (We y.wu.wm) wbæ Av qi jv K `i Avq evov bvi R b Ges hv `i Kvb Q j g q bb Zv `i K `qv nq Avcbvi Kvb cöwzeükzv _vk j, Avcwb mßv n 30 N Uv ev Zvi ekx KvR Ki j Ges Avcbv K hw` wkï cwiph vi LiP w` Z nq Zvn j Avcbv K Av iv AwZwi³ cwigv b We y.wu.wm cö`vb Kiv n e Avcwb A_ev Avcbvi m½x hw` KvR K ib Zvn j Avcbviv mvaviyzt We y.wu.wm Avcbv `i gryixi gva g cv eb Z e wkï cwiph vi R b hw` Kvb LiP `qv nq Z e Zv mivmwi cöavb hzœkvix KB `qv n e Avcwb hw` ^-wb qvmk Z ( mjd& Ggc qw) nb, Zvn j We y.wu.wm mivmwi g bvbxz e vsk GKvD U cö`vb Kiv n e U v µwwu mvaviyzt GK eq ii R b cö`vb Kiv nq, GwcÖj _ K GwcÖj ch š, wkš Avcwb hzuzkz cv Qb Zvi cwigvb Avcbvi Ae vi cwiez b nevi mv _ mv _ cwiewz Z n Z cv i, hgb, Avcbvi nq Zv Av ikwu ev Pv n jv Ggb hw` nq h GKmv _ emevm Ki Qb (wjwfs Uz M`vi) mikg ` úwz `i GKRb Avcwb, Zvn j Avcbv K Aek B hš_fv e U v µwwu `vex Ki Z n e GKB d g B Avcbv K `yõik gi U v µwwu `vex Ki Z n e h nzz KejgvÎ GK gv mi ekx cy iv bv `vex K Avgiv we epbv Kwibv, ZvB Avcwb hw` `vex Ki Z Pvb Z e Avcbv K Zv h_vkxnö m e Ki Z n e gvî Avwg Avgvi KvR (PvKzix) nvwi qwq Avwg wk wk ai Yi ewbwdu cvevi hvm? Avcwb wk ai Yi ewbwdu c Z cv ib Zv wbf i Ki Q Avcbvi e w³mz Ae vi Dci Ae`vb wbf i RemxKvm GjvDÝ A_ev Avq wbf i (BbKvg em&w) RemxKvm GjvD Ýi Ici wfwë K i Avcwb nq Zv wkqy ewbwdu c Z cv ib Avcbvi Q j g q _vk j Avcwb nq Zv PvBì U v µwwu cv eb Avcwb hw` Amȳ A_ev A g nb, Zvn j nq Zv Avcwb BbK vcvwmwu (A gzvrwbz) ewbwdu A_ev BbKvg mv cvu cv eb gv Ges evevi `vwqz hw` Avcbvi GKviB nq ( jvb c i U), Zvn j nq Zv Avcwb BbKvg mv cvu cvevi hvm n eb nvdwrs ewbwdu Ges KvDwÝj U v ewbwd Ui R b Av e`b Ki j Avcwb nq Zv fvov Ges KvDwÝj U v i e vcv i mvnvh cv eb Avcbvi hw` wb Ri evox _v K A_ev Ggb hw` nq h Avcwb evox wkb Qb Ges Avcwb BbKvg mv cvu ev Avq wbf i RemxKvm GjvDÝ wksev cýb µwwu cv Qb, Zvn j Avcbvi evox msµvš Li Pi e vcv ii Avcwb mvnvh jv fi hvm n eb, Z e GÕwU nq Zv Avcwb Zvr wbkfv e cv ebbv wkqy ewbwdu Avevi Ae`v bi Dci wbf ikxj, hvi A_ n Q h cwigvb I h ai Yi ewbwdu Avcwb cv Qb Zv wbf i Ki Q KvR Kivi mgq KZ Ges wk ai Yi Ae`vb b vkvbvj Bbmÿ i Ý (RvZxq exgv) Avcwb i L Qb Ab vb ewbwdu wbf i Ki Q Avcbvi m ú `i cwigvb wby qi Ici, hvi A_ n Q Avcbvi Avq, mâq A_ev g~jab g~j vqb Kiv Avcwb hw` ewbwdu, U v µwwu c Z _v Kb A_ev Avcwb hw` wbæ Avq fy³ nb, Zvn j Avcwb Ab vb LiP, hgb, cömwµckb Li Pi e vcv i mvnvh cv eb Avwg gv n Z P jwq Ges ewbwd Ui Dci i qwq Avwg wk wk mvnvh c Z cvwi? Copyright 2002 Citizens Advice All rights reserved Page 2 of 6

m cöwz Avcwb hw` KvR eü K i _v Kb A_ev mš vb Rb `qvi mgq Avcwb hw` KvR eü K i _v Kb Ges hw` Ggb nq h Avcwb Avcbvi wb qvmkz vi KvQ _ K AvBbwm gvz Z Kvjxb ezb jv fi hvm e j we ewpz n Qb bv, Zvn j Avcwb nq Zv gvz Z Kvjxb fvzv (g UviwbwU GjvDÝ) cvevi hvm n Z cv ib Avcbvi Mf ve v 26 mßvn AwZµvš n jb Avcwb gvz Z Kvjxb fvzv `vex Ki Z cvi eb Avcbv K Gi R b gvz Z Kvjxb mvwu wd KU hv g vu we.iqvb (1) bv g cwiwpz Zv cö`vb Ki Z n e Avcbvi wgwiqvbd (avîx) A_ev Wv³vi Avcbv K GB mvwu wd KUwU w` Z cvi eb Avcwb hw` AvBbwm gvz Z Kvjxb ezb ev fvzv cvevi hvm bv nb, Ges hw` Avcwb b vkvbvj Bbmy i Ý Ae`vb iv Lb, Zvn j Avcwb nq Zv mš vb Rb v bvi Av M Qq mßvn ch š Ges mš vb Rb v bvi 14 w`b ci ch ší BbK vcvwmwu ewbwdu cvevi hvm n eb Avcwb hw` Kvb KvR bv K ib A_ev gvz Z Kvjxb fvzv cvevi hvm nevi R b hw` h _ó Avq bv K ib, Zvn j nq Zv Avcwb BbKvg mv cvu `vex Kivi hvm n eb Avcwb A_ev Avcbvi m½x hw` BbKvg mv cvu, IqvwK s U v µwwu A_ev PvBì U v µwwu c Z _v Kb, Zvn j Avcwb nq Zv mvk vj dvû (mvgvwrk Znwej) _ K gvz Z Kvjxb Abỳ vb cvevi hvm n eb Avcbvi Mf ve v GMvi mßvn n q M j mšívb Rb v bvi Av M Ges mš vb Rb v bvi ci wzb gvm ch š Avcwb GwU `vex Ki Z cvi eb ez gv b GB Abỳ v bi cwigvb 500 cvdû Ges GÕwU wkïi R b Kvco I bvbvb mvrmiävg Kbvi D Ï k `qv n q _v K GÕwU Avcbv K cwi kva Ki Z n ebv Avcbvi mšívb Rb nevi ci Avcwb nq Zv PvBì ewbwdu cvevii hvm n eb GÕwU gzv cix v K i `qv nqbv Ges Ab vb hv hv ewbwdu Avcwb cv Qb Zvi AwZwi³ wn m e Avcbv K GÕwU cö`vb Kiv n e Z e Avcwb hw` PvBì e bwdu c q _v Kb Ges Avcbvi ev Avcbvi cvu bvi D PgvÎvi ezb cvb, Z e PvBì e bwdu cvevi Kvi Y Avcbv `i nq Zv evowz Ki w` Z n Z cv i Avcbvi ezb hw` D P gvîvi nq Z e Av iv Z _ i Rb PvBì e bwdu Ges U v `Lyb Avcwb nq Zv Avcbvi mšív bi R b Av iv PvBì U v µwwu cvevi hvm n eb Avcwb hw` wm vš bb h Avcwb cvu UvBg (LÛ Kvjxb) KvR LuyR eb hlv b Avcbv K mßv n AšÍZt 16 N Uv Ki Z n e, A_ev Avcbvi cvu bvi Ges Avcwb wg j 24N Uv ( Avcbv `i g a GKRb mßv n AšÍZ 16 N Uv KvR K i) Zvn j Avcwb nq Zv IqvwK s U v µwwu jv fi hvm n eb Avcbvi mšívb hw` Aÿg nq, Zvn j Avcwb nq Zv ww mwewjwu wjwfs GjvDÝI `vex Kivi hvm n eb Avcwb wb R Aÿg n j Avcwb nq Zv cvi mvbvj BbwW c WÝ c g U cvevi AwaKvix n Z cv ib Avcwb I Avcbvi m½x hw` BbKvg mv cvu, Avq wbf i RemxKvm GjvDÝ, IqvwK s U v µwwu A_ev PvBì U v µwwu cvb, Zvn j Avcwb nq Zv webv g~ j `ya Ges wfuvwgb jv fi my hvm cv eb cömwµckb I Ab vb ^v msµvší h Zœi LiPI Avcbvi w` Z n ebv Avwg Avgvi wnsmª m½xi (cvu bvi) KvQ _ K Avjv`v n qwq Avwg wk Kvb mvnvh c Z cvwi? Bsj v Û Avcwb nq Zv I qj dqvi G vwmm UÝ dvû _ K mvnvh c Z cv ib, hv jvk vj A_wiwU Pvjvq I qj m, Avcwb nq Zv wwmwµkbvwi G vwmm UÝ dvû _ K mvnvh c Z cv ib, hv I qjk mikvi Pvjvq Uj v Û, Avcwb nq Zv wuk I qj dqvi dvû _ K mvnvh c Z cv ib, hv wuk mikvi Pvjvq µvbwmm jvb Ges KwgDwbwU Kqvi MÖv Um hv Riæix wfwë Z mvnvh w` q hz m jv 1jv GwcÖj 2013 _ K Bsj vû, I qjm Ges Uj v Û eü K i `qv n q Q Avcwb hw` BwZg a B Kvb ewbwdu c Z _v Kb, Avcwb Zvn j nq Zv ev RwUs jvb cvevi hvm n eb ev RwUs jvb `y UvB Avcbv K cwi kva Ki Z n e, Z e G Î Avcwb Kej F bi cwigvbuzkzb cwi kva Ki eb KwgDwbwU Kqvi MÖv U Avcbv K cwi kva Ki Z n ebv Avcwb hw` Avcbvi c~e ez x m½xi Dci Avw_ Kfv e wbf ikxj nb Ges ez gv b Avcbvi Kvb Avq bv _v K, Zvn ji Avcbvi ewbwdu `vex Kivi AwaKvi _vk e, hgb RemxKvm GjvDÝ A_ev BbKvg mv cvu Copyright 2002 Citizens Advice All rights reserved Page 3 of 6

Avcwb hw` cvu UvBg KvR K ib Zvn j nq Zv Avcwb IqvwK s U v µwwu cvevi hvm n Z cv ib Avcwb hw` b~zb evmv fvov K ib, Z e nvdwms ewbwdu I KvDwÝj U v wiwvkkb `vex Ki j Avcwb nq Zv nvdwms I KvDwÝj U v Li Pi e vcv i ewbwdu c Z cv ib Avcbvi m½x K Q o Avmvi Kvi b Avcwb hw` nvg jm (M nnxb) nb, Zvn j Avcwb cybt M nvq bi e vcv i vbxq KZ c i Kv Q mvnvh PvB Z cv ib A bk cöwzôvb i q Q hviv civgk I mg_ b w` q _v K hgb, M nvf š ii wnsmªzvi gwnjv wkkvi `i R b DB gý GBW A_ev M nvf š ii wnsmªzvi cyi l wkkvi `i R b mvf vbfvm BD K wjwg UW hme cyiæ liv Zv `i m½xi mv _ wnsmª AvPiY K ib, Zv `i K mvnvh Kivi R b i GQvov wewfbœ cöwzôvb i q Q Avgvi eq Ges Amȳ cöwz ekx wk ai bi mvnvh c Z cv ib?? Avgvi cöwz ekx gvî nvmcvzvj _ K wd i Qb wzwb AemicÖvß Ges g b n Q me mvgjv Z cvi Qb bv Zvi R b wk Kvb mvnvh i q Q? GÕwU wbf i Ki Q Avcbvi cöwz ekx KZ w`b a i Amȳ wq jb Ges Zvi wk ai Yi mvnv h i cö qvrb, wzwb hw` 65 eqi eq mi bx P nb Z e wzwb ww mwewjwu wjwfs GjvDÝ `vex Ki Z cvi Z cv ib A_ev wzwb hw` 65 ev Gi Dc i nb (Aaev 65 Gi wb P n j cvi mvbvj BbwW c WÝ c g U) Z e wzwb G U ÛÝ GjvDÝ (`k bv_ x fvzv) c Z cv ib G jvi Kvb ewbwdub m ú `i cwigvb wby q K i `qv nqbv, ZvB Zvi hvb g~jab _vkzk bv K bv wzwb GÕwU `vex Ki j Zvi g~jab K GLv b we epbv Kiv n ebv Avcbvi cöwz ekx Zvi cbkb QvovI cýb µwwu `vex Kivi e vcv i hvm n Z cv ib cýb µwwu GKwU ewbwdu hlv b m ú `i cwigvb K we epbv Kiv nq, ZvB Gi g~j vq bi mgq mâ qi gz g~jab K we epbv Kiv nq wzwb hw` Zvi evm v bi R b fvov `b Zvn j wzwb nvdwms ewbwdu I KvDwÝj U v ewbwdu `vex Ki Z cv ib wzwb KvDwÝj U v e bwdu _ K KvDwÝj U v c Z cv ib Avcbvi vbxq mvk vj IqvK wwcvu g U Avcbvi cöwz ekxi Pvwn`vi e vcv i GKwU g~j vqb Ki Z cv ib wewfbœ fv eb mvnv h i e e v Kiv h Z cv i, hgb N i ib ji e e v Kiv A_ev ev_i g IVvbvgv Kivi we kl hš cvwz vcb Kiv A_ev wbqwgzfv e Kvb cwi`k Ki e e v Kiv Avcbvi cöwz ekx K nq Zv ^v msµvší LiP Ges nvmcvzv j Avmvi Li Pi e vcv ii mvnvh Kiv h Z cv i Avwg Avevi Kv R wd i M j wk Kvb Avw_ K mvnvh cv ev? Avwg BbKvg mv cv U i (Avq mg_ b) Dci i qwq Ges Avwg Avevi Kv R wd i h Z PvB Avwg h KvRwUi K_v fvewq Zvi _ K Avwg Lye ekx Avq Ki Z cviebv Ges Avwg AvksKv KiwQ h Avwg hw` ewbwdu bqv eü K i `B Zvn j Avgvi A_ bwzk Ae v Lvivc n q hv e Avgvi R b wk Kvb mvnv h i e e v i q Q? Avcwb hw` mßv n 16 N Uv ev Zvi ekx KvR K ib, Zvn j Avcwb nq Zv Avcbvi ivrmvi evov bvi R b IqvwK s U v µwwu (We y.wu.wm) `vex Ki Z cvi eb Avcbvi hw` mš vb _v K Zvn j Avcwb nq Zv PvBì U v µwwu (wm.wu.wm) c Z cv ib Avcwb KZ Avq Ki Qb Zvi Dci wbf i K i Avcwb GLbI Avcbvi Avq Ges Uª v µww Ui Dc i nvdwms ewbwdu Ges KvDwÝj U v wiwvkkvb `vex Ki Z cvib Avcwb hw` GB mg qi g a KvR Kiv eü K i `b A_ev mßv n 16 N Uvi Kg KvR K ib, Zvn j Avcwb nq Zv Avcbvi ivrmvi evov bvi R b RemxKvm GjvDÝ A_ev BbKvg mv cvu `vex Ki Z cv ib Avcwb hw` Avcbvi BbKvg mv cv U i mv _ gu MR B Uv i cbw msµvší mvnvh c q _v Kb, A_ev Avcbvi Kv Ri N Uv e w K ib Z e Avcwb nq Zv GwU Avcbvi KvR ïiæi cö_g Pvi mßvn ch ší c Z _vk eb G K gu MR B Uv i ivb-ab ejv nq Avcwb Aek B AšÍZ 26 mßvn a i BbKvg mv cvu cv eb Copyright 2002 Citizens Advice All rights reserved Page 4 of 6

Avcwb hw` Amȳ ev cöwzewü Z i Kvi Y BbKvg mv cvu c q _v Kb Ges mßv n AšÍZ 16 N Uvi Rb Kv R diz hvb Z e Avcwb nq Zv "wiuvb Uz IqvK µwwu" c Z cv ib GwU GKwU Kigy³ mßv n 40 cvd Ûi e bwdu Ges Avcbvi Avq hw` eq i 15,000 cvd Ûi Kg nq Z e GwU Avcwb m e v P 12 gvm ch ší c q hv eb Avcwb KvR ïiæi Av M Aek B 13 mßv ni ev Zvi ekx mg qi Rb wkqz wkqz e bwdu c q hv eb Avcbv K Aek B 1jv A ±vei 2013 Av M KvR ïiæ Ki Z n e Avwg cbkb cvb Avwg wk Avi Kvb ai bi e bwdu c Z cvwi? Avcbvi Av qi Dci Ges Avcbvi KZ g~jab i q Q Zvi Ici wbf i Ki e Avcwb Kvb cýb µwwu Avi mb mv _ cövvb fu cbkb A_ev U wiuvqvig v U cbkb cv eb wkbv Avcwb hw` Avcbvi evm v bi R b fvov `b, Zvn j nq Zv Avcwb nvdwms ewbwdu cvevi hvm n Z cv ib Avcbv K hw` KvDwÝj U v w` ZB nq, Avcwb Zvn ji KvDwÝj U v wiwvkkb cvevi hvm n Z cv ib ekxifvm cbkb fvmxivb cöwz eqib Ggwb ZB kxzkvjxb R vjvbx LiP (DBbUvi dz qj c g Um&) c q _v Kb Ges BbKvg mv cv U i Ici hme cbkbviiv i q Qb Zviv ekx kxz co j Kvì I q`vi (VvÛv AvenvIqvRwbZ) c g U `vex Ki Z cv ib Avcwb Amȳ A_ev A g n j, 65 eq ii wb P n j cvi mvbvj BbwW cb W U c g U A_ev 65 eq ii wb P n j G U ÛÝ GjvDÝ cvevi hvm n Z cv ib cbkbvi wn m e Avcwb nq Zv ^v msµvš LiP webv g~ j c Z cv i, Avcbvi eqm 75 eqi ev Zvi ekx n j Uwjwfkb jvb m Ýi R b Avcbvi Kvb LiP bvi jvm Z cv i Avgvi xi g Zz i ci Avwg wk Kvb ewbwdu c Z cvwi? Avgvi x m cöwz gviv wm q Qb Avgvi mšívb wzbwu Ges Avgv K KvR Q o w` Z n q Q Avgiv wk Kvb ewbwdu c Z cvwi? Avcwb nq Zv wewif g U ( kvkrwbz) c g U c Z cv ib GÕwU wbf i Ki Q Avcbvi x b vkvbvj Bbmÿ i Ý KZUzKz Ae`vb i L Qb, hlb wzwb gviv wm q Qb ZLb wzwb wiuvqvi g U (Aemi) cbkb cvevi hvm wq jb wkbv Ges Avcbvi eqm 65 eq ii bx P wkbv wewif g U c g U GKwU Ki gy³ 2000 cvd Ûi c g U hv GKeviB `qv n q _v K Avcwb GQvovI DB WvW (weczœxk) c i Um& GjvDÝ c Z cv ib GÕwU wbf i Ki Q Avcbvi cöqvz xi b vkvbvj Bbmÿ i Ý Ae`v bi cwigv bi Dci Ges PvBì ewbwdu cvevi hvm Avcbvi Kvb mš vb i q Q wkbv Zvi Dci Avcbvi x hlb gviv wm q Qb ZLb hw` Avcbvi eqm 45 eqi ev Zvi ekx n q _v K (Ges wzwb Zvi RxeÏkvq b vkvbvj Bbmÿ i Ýi kz mg~n c~iy K i _v Kb), Ges Avcwb DB WvW c i Um& GjvDÝ cv Qbbv, Zvn j Avcwb nq Zv wewif g U GjvDÝ cvevi hvm n Z cv ib GÕwU GKwU mvßvwnk ewbwdu hv Avcbvi x ev ^vgx gviv hvevi ci 52 mßvn ch š Avvcbv K `qv n e Avcbvi x hw` 9B GwcÖj 2001 Gi Av M gviv h q _v Kb A_ev Zvi g Zz hw` Zvi Kv Ri mv _ mswk ó nq, Zvn j wfbœ ai Yi wbqg cö hvr n e wewif g U ewbwdu Kv ivi m ú `i cwigvb wby q K i `qv nqbv Gi A_ n Q Avcwb hlb Gi R b Av e`b Ki eb ZLb Avcbvi mâq A_ev Av qi cwigvb we epbv Kiv n ebv Avcwb hw` Avcbvi evmvwu fvov K i _v Kb, Avcwb nq Zv nvdwms ewbwdu A_ev KvDwÝj U v wiwvkkb cvevi hvm n Z cv ib Avcwb nq Zv BbKvg mv cvu A_ev PvBì U v µwwu cvevi hvm n Z cv ib Avcwb hw` wewif g U ewbwd Ui R b hvm bv nb, Zvn j nq Zv Avcwb BbKvg mv cvu, RemxKvm GjvDÝ A_ev BbK vcvwmwu ewbwdu cvevi R b hvm n Z cv ib Avcwb hw` wb RB gvwjk nb A_ev Avcbvi evoxwu hw` Avcwb Copyright 2002 Citizens Advice All rights reserved Page 5 of 6

wb RB wk b _v Kb, Ges Avcwb BbKvg mv cvu A_ev Avq wbf i RemxKvm GjvDÝ c Z _v Kb, Zvn j Avcwb nq Zv Avcbvi evoxi e v qi e vcv i mvnvh cvevi hvm n Z cv ib hviv wbkuvz x qi g Zz Z kvkvwff~z Zv `i K civgk I mg_ b `qvi R b wewfbœ cöwzôvb i q Q Bbj vû iwfwbd GKwU KvW Ae cö vw±m (AbymiY bxwzgvjv) ei K i Q hvi wk ivbvgwu n jv ' nvqvu n v cbm Bd DB n vf cbw BD Uz gvp U v µwwu? ' A_ vr 'wk n e hw` Avgiv Avcbv K AwZgvÎvq U v Qvo cö`vb K i _vwk? ' KvW Avcbvi Kv R Avm e hw` Avcwb Avcbvi U v µww Ui mvgäm Avbvq b KvR Ki Z _v Kb, we kl K i DËiY iwu KóKi n j A_ev Avcwb hw` g b K ib h AwZwi³ hv cö`vb Kiv n jv Zv KL bvb diz cviqv hv ebv Zvn j Bbj vû iwfwbd I qemvb U www.inlandrevenue.gov.uk/news/index.htm G e vcv i wb ` wkkv cviqv h Z cv i Avgvi ev Pv wk GL bv PvBì Uªv dvû c Z cv i? PvBì Uªv dvû Avcbvi wkïi Rb GKwU mbwfsm ev mâqx Ges Bb f g U ev wewb qvm GKvDÛ GB GKvD Ui gva g mikvi Avcbvi mšívb K A_ w` Zv Ges Avcbvi cwievi ev eüyevüei PvB j G Z Zv `i Ae`vb ivl Z cvi Zv Avcvbi mšívb hlb 18 n e Zviv ZLb GB GKvDÛ e envi Ki Z cvi e Ges hfv e Pvq mfv e GB UvKv e q Ki Z cvi e Z e 2 Rvbyqvix 2011 mv ji ci _ K hme wkï R b Q Zv `i Rb mikvi GB GKvD U Kiv eü K i w` q Q hme PvBì Uªv GKvD U Lvjv n q wm q Q m jv Avcbvi mšívb 18 eqi niqv ch ší KvR Ki Z _vk e Avcbvi cwievi Ges eüzevü eiv eq i gvu 3, 720 cvdû ch ší G Z Rgv w` Z cvi e Avcbvi mšívb hw` 1 m Þ ^i 2002 _ K 2 Rvbyqvix 2011 qi g a Rb vq Ges Avcwb ez gv b PvBì e bwdu cv Qb Z e Zviv PvBì Uªv dvû cvevi hvm Avcbvi mšívb wk cwigvb A_ cv e Zv wbf i K i m KLb R b Q Avcbvi mšívb hw` 1jv mþ ^i 2002 Ges 1 AMv 2010 qi g a Rb vq Z e mikvi Zv K cö_g 250 cvd Ûi GKwU c g U Ki e Avcwb hw` PvBì U v µwwu cvb Ges Avcbvi Avq eq i 16,190 cvd Ûi Kg nq Z e Avcbvi mšívb evowz Av iv 250 cvdû cv e Avcbvi mšívb hw` 2 AMv 2010 Ges 2Rvbyqvix 2011 qi g a Rb vq Z e mikvi cö_g GKwU 50 cvd Ûi c g Ub Ki e Avcwb hw` PvBì U v µwwu cvb Ges Avcbvi Avq eq i 16,190 cvd Ûi Kg nq Z e Avcbvi mšívb evowz Av iv 50 cvdû cv e mikvi Av M wkïi mvz eqi n j Av iv c g U Ki Zv wkš ez gv b mikvi mvz n q Q Ggb wkïi Rb ev 1jv AMv 2010 qi c i n q Q Zv `i Rb GwU eü K i w` q Q Avcbv K GBme w gi Rb Kvb `vex Rvbv Z n e bv KviY hviv PvBì e bwdu cv Qb Zv `i Rb fvdpvi Avcbv _ KB Bmÿ Kiv n e Z e Avcbvi GKwU PvBì Uªv dvû GKvD U Lyj Z n e hb GB c g U jv GKvD U h Z cv i Avcwb hw` fvdpvi cvevi GKeQ ii g a Kvb GKvD U bv Lv jb Z e mikvi Avcbvi n q GwU K i ` e Z e Avcbvi mšívb mb GKeQ ii UvKvi Dci mỳ nviv e fvdpvi hw` Avcbvi Dc i ev 1 Rvbyqvix 2011 qi c i Bmÿ Kiv nq Z e mikvi Avcbvi n q K i `evi Av M Avcbvi nv Z gvî 60 w`b _vk e GKwU GKvD U Lvjvi Rb Copyright 2002 Citizens Advice All rights reserved Page 6 of 6