Key the Housing Benefit Guarantee Credit passport on receipt

changelog.d/hb-gc-passport-receipt.fixed.md

@@ -0,0 +1 @@
+- Disregard Housing Benefit income and capital on receipt of Guarantee Credit, so pensioners who do not claim Pension Credit retain the ordinary means test.

docs/book/programs/gov/dwp/housing-benefit.ipynb

@@ -26,6 +26,8 @@
     "\n",
     "The pension-age test counts the same benunit members as Universal Credit's working-age test, and the continuing-award route requires not claiming Universal Credit, so no benunit receives both. Working-age awards outside specified or temporary accommodation ended on 1 July 2026 in Great Britain ([SI 2025/1148 art. 7](https://www.legislation.gov.uk/uksi/2025/1148/article/7)); PolicyEngine does not yet model that. Claims for specified or temporary accommodation, which remain open at any age, are not modelled.\n",
     "\n",
+    "**Guarantee Credit passport.** If the claimant or partner is in receipt of a guarantee credit (`in_receipt_of_guarantee_credit`: the benunit is eligible for Pension Credit, claims it, and its guarantee credit is positive, so the Pension Credit paid includes a guarantee credit), the whole of their capital and income is disregarded ([SI 2006/214 reg. 26](https://www.legislation.gov.uk/uksi/2006/214/regulation/26); Northern Ireland: [SR 2006/406 reg. 24](https://www.legislation.gov.uk/nisr/2006/406/regulation/24)). `housing_benefit_assessable_capital`, `housing_benefit_tariff_income` and `housing_benefit_applicable_income` are then zero, so the capital limit cannot bite and no income is tapered. A guarantee credit computed for a family that does not claim Pension Credit (`would_claim_pc`), or that PolicyEngine does not treat as eligible for it (`is_pension_credit_eligible`), does not count. The passport applies within the pension-age regulations (`housing_benefit_pension_age_regulations_apply`). `is_pension_credit_eligible` retains mixed-age couples covered by the [SI 2019/37 art. 4](https://www.legislation.gov.uk/uksi/2019/37/article/4) saving through `meets_pension_credit_age_conditions`; these couples keep the passport when they receive Guarantee Credit. When Pension Credit is frozen, receipt follows the baseline award, including its Guarantee Credit component. Savings Credit alone follows the separate assessment in [reg. 27](https://www.legislation.gov.uk/uksi/2006/214/regulation/27), including its capital limit, and does not give this passport.\n",
+    "\n",
     "Take-up is handled by `would_claim_housing_benefit`, which is true for benunits that report Housing Benefit and, when no reported benefits are supplied (as in household calculations), for everyone. In the Enhanced FRS take-up therefore follows reported claims."
    ]
   },

policyengine_uk/tests/policy/baseline/finance/benefit/family/housing_benefit/housing_benefit_capital.yaml

@@ -236,7 +236,13 @@
     benunits:
       benunit:
         members: person
+        # The passport needs a guarantee credit that is paid. Pension Credit
+        # income here is 10,000 plus 80 x 52 = 4,160 deemed from capital,
+        # 14,160 in all, above PolicyEngine's 2025 parameter for the minimum
+        # guarantee (221.85 x 52 = 11,536.20), so Pension Credit eligibility
+        # is set along with the credit.
         guarantee_credit: 1
+        is_pension_credit_eligible: true
         would_claim_uc: false
         housing_benefit_applicable_income_disregard: 0
         housing_benefit_applicable_income_childcare_element: 0