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Determining homeowners and non-homeowners 108-04070010

Assessment of Principal home for members of a couple living apart where one or both are living in a special residence

Illness Separated couple

Table 1

Living arrangements	EC<>EAA	SSA	Homeowner	Assessable assets	Additional
Both in special residences	Both EC above EAA	1152	Both are homeowners (SRH)	Any right or interest in resident and partner’s principal homes disregarded as assets
Both in special residences	Both EC less than, or equal to EAA	1152	Both are non-homeowners (SRN)	Both entry contributions included as assets
Both in special residences	Customer’s EC above EAA and partners EC less than or equal to EAA	1152	Customer is homeowner (SRH) and partner is non-homeowner (SRN)	Partner’s EC included as an asset	See SSA S1205 for further information. NOTE: the result needs to be divided by 2 for each partner
Customer in special residence, partner not in special residence and homeowner	Customer’s EC above EAA	1153	Customer is homeowner (SRH)	Any right or interest in resident and partner’s principal homes disregarded as assets
Customer in special residence, partner not in special residence and homeowner	Customer’s EC less than or equal to EAA	1153	Customer is non-homeowner (SRN)	EC included as an asset for customer. Partner taken not to have a right or interest in resident’s principal home, so EC not included as an asset for partner. Customer’s right or interest in partner’s home is disregarded as an asset.	See SSA S1205 for further information. NOTE: the result needs to be divided by 2 for each partner
Customer in special residence, partner not in special residence and non-homeowner	Customer’s EC above EAA	1154	Customer is homeowner (SRH)	For partner, any right or interest in resident’s principal home disregarded as asset	See SSA S1205 for further information. NOTE: the result needs to be divided by 2 for each partner
Customer in special residence, partner not in special residence and non-homeowner	Customer’s EC less than or equal to EAA	1154	Resident and partner taken not to have right or interest in resident’s principal home. Customer is non-homeowner (SRN).	EC included as an asset for both

Ordinary couple – not illness separated

Table 2

Living arrangements	EC<>EAA	SSA	Homeowner	Assessable assets	Additional
Both in special residences	Both EC above EAA	1155	Resident and partner both homeowners (SRH)	Value of principal home is individual EC More valuable home (or principal home of younger person if value of 2 principal homes is same) disregarded as asset Least valuable home is asset (lesser of both entry contributions)
Both in special residences	Both EC less than or equal to EAA	1155	Resident and partner taken not to have right or interest in principal homes. Both are non-homeowners (SRN)	Both entry contributions are included as assets.
Customer in special residence, partner not in special residence and homeowner	EC above EAA?	1156	Customer and partner both taken to have right or interest in principal home	Value of resident’s principal home is EC. More valuable principal home (or principal home that is not special residence if value of 2 homes is the same) is disregarded as asset. Least valuable principal home is an asset
Customer in special residence, partner not in a special residence and non-homeowner	EC above EAA	1157	Resident and partner taken to have right or interest in principal home to which paragraph 1118(1)(b) applies. Both are homeowners.	EC is an exempt asset
Customer in special residence, partner not in special residence and non-homeowner	EC is less than or equal to EAA	1157	Resident and partner taken not to have right or interest in resident’s principal home. Both are non-homeowners.	EC included as an asset