This chapter explains how capital affects your entitlement to income-related employment and support allowance (ESA). It also applies to working-age housing benefit (HB) rules if you and your partner are under pension age. Chapter 19 explains the rules for pension credit and for pension-age HB rules if you and your partner are over pension age. If you are in a couple and one of you is over pension age but not the other, see here for whether the working-age or pension-age HB rules apply. For universal credit, see Chapter 8.