Tm - ring Clink tomorrow. Under 40k you may qualify but it is dependent on so many factors (investments, payouts, assets etc) that you can only really know when you go right through it.

The changes that have come in the last few years do make the process of applying alot easier. If you call they can test your eligibility right over the phone and even do most of the claim right then and there. You only have to attend the office to lodge your paperwork, ID etc and its done.

when you call, have the tv remote and a cup of tea ready. Also have as much of your financial papers at hand (bank statements, shares etc), and it will be a smooth process. It doesn't matter if you don't have it all right there as you can advise CL of the actual info later.

good luck!