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Have you been affected by the child benefit cut?

(35 Posts)
OwlLady Mon 07-Jan-13 18:53:36

My dh earns just over the threshold but I don't or rather can't work at all because of having a severely disabled daughter. aibu to send David Cameron a spreadsheet detailing my contribution? seeing as I have opted out of claiming as he says, I quote "I'm not saying those people are rich, but I think it is right that they make a contribution"

as a sahm and carer of a severely disabled child who I will have to care for into my old age I am absolutely incensed by this comment. So should I as a Mother and carer detail via a spreadsheet how much I save the economy by caring for my daughter and then ask him to join me on newsnight to explain what contribution he feels I and people like me are not making?

was anyone else annoyed by this?

(and btw this is not a woe is me, I think I am so poor thread wink just a how bloody DARE heshock)

Sunnymeg Wed 09-Jan-13 08:09:26

I can see where you are comimg from and I think that some pronoucements by Cameron are very odd, especially as he had a disabled child himself.

bee169 Wed 09-Jan-13 09:41:21

I am also irritated by Cameron's comments.

My DH also earns above the threshold and we have opted out of child benefit. My son has ASD and I am now a SAHM as he has a number of needs and couldn't manage to accomodate his needs and work. I find Cameron's new cuts are aimed at certain families rather than the super rich who appear to have gained from recent tax laws!

I am staggered that someone who has had a severely disabled child himself has not considered families like ours. Grrrr angry

OwlLady Wed 09-Jan-13 10:24:43

thanks for the reassurances that it isn't just me that feels like this smile

bee169 Wed 09-Jan-13 10:58:04

Owl Lady,

I would love to see you on newnight making him hang his head!! smile

bee169 Wed 09-Jan-13 10:58:27

newsnight even!!

OwlLady Wed 09-Jan-13 10:59:11

so9 would I and I think it would make my Gran proud grin

inappropriatelyemployed Wed 09-Jan-13 11:27:34

What really annoys me about this is the argument about fairness? It is not fair that a household where both parents earn just under 50k will keep ALL the benefit but one where one partner is earning above 60 lose everything.A family could have two earners earning 49k EACH and still have it. So why aren't those families 'making a contribution'? How can that be fair? Well, it isn't.

Also, if you earn over 50 but below 60, it is worth checking out the HMRC calculator as you will find you still get some money. I know it seems like a lot of hassle as you have to do a self-assessment form later in the year but otherwise the HMRC will keep the money that is rightly yours.

This must be costing millions to administer through self-assessment too.

It's a joke. Usual Troy rhetoric about 'fairness' and 'hard working families' while they pursue their ideological war against the welfare state.

bee169 Wed 09-Jan-13 12:53:09

I am just wondering....how does this affect divorced families where both parents contribute for the childs needs??and those where only one parent contributes?

inappropriatelyemployed Wed 09-Jan-13 12:57:18

It's got nothing to do with children's needs. It is based on the income of the household. Child benefit is paid to the mother. If she has care for the child and works, it will be based on her income which will include maintenance payments.

I'm affected. We gave it up. I work part time, and would love to work more (in sen, and love my job) but can't as my mum cannot manage ds for any great length of time.
Noone has ever answered that question properly inappropriate - I would love a straight answer. Maybe I could write a one sentence, no wriggle room, question to DC.
BTW 'these people' are already making a bloody contribution - cheeky git.

bee169 Wed 09-Jan-13 13:24:55

Sorry , thats what I meant. I wasn't refering to SEN I was just refering to bringing up a child.

OwlLady Wed 09-Jan-13 14:45:40

If anyone in the house earns 50k or more they will be affected beee, whether that be a step parent or whatever. It's just as simple as they pay into the tax bracket

inappropriatelyemployed Wed 09-Jan-13 14:48:16

Sorry, my post sounded a bit trill when I re-read it! Angry with Tory tossers not you!

bialystockandbloom Wed 09-Jan-13 14:56:16

Yes I agree 100% with you. It's not only an unbelievably poorly thought out policy and the two-earner thing is an utter cock-up, but also (more importantly) the penalty that people such as you are paying is unforgivable and deeply unfair.

I'm not even sure what to do - DP and I aren't married. He earns above the threshold, and I'm SAHM. We're planning for me to continue to receive it, but he'll declare it on his self-assessment (which therefore wouldn't be until Jan 2014??) so I don't lose NI contributions. But he didn't receive a letter. So I have no idea what to do - do I just wait? Is it up to me or DP to alert tax office? Will the benefit just stop being paid? What a mess.

The cuts to welfare that this govt has got away with deeply, deeply depress and sicken me. The fact that there haven't been riots is astounding and I guess just shows how much apathy there is. Also how successful the right-wing media of the last 20 years has been. Just one single demo caused the govt to change the poll tax policy 20 years ago - can't imagine that happening now. I think people are so much more selfish and capitalist than ever before.

inappropriatelyemployed Wed 09-Jan-13 15:00:19

I also think there is a lack of viable alternative. The Lib Dems are propping up this shower, the Labour leadership is too scared of doing anything to upset the Daily Mail. At least in the 80s we had a decent union movement and an organised left!

OwlLady Wed 09-Jan-13 15:04:58

bialy, I went on hmrc and filled in the online thing. You can carry on claiming and then declare it on your self assessment (from what I understand, or maybe that should be don't) or you can just opt out now, which is what i did because apart from anything else we do not have the time to do self assessments due to the nature of our family!

bialystockandbloom Wed 09-Jan-13 15:06:10

If you opt out, doesn't that mean you lose your NI contributions, therefore pension credits?

KeepOnKeepingOn1 Wed 09-Jan-13 15:09:00

If you are a SAHM you have to fill in a CF411A (application form for pension credits). If you don't future pension can be affected by the income of another person - I know at the moment they may be DH but by the time you a drawing your pension they may be ex-H.

inappropriatelyemployed Wed 09-Jan-13 15:09:31

I think this what they are hoping. It is a deliberate disincentive as people will opt out as it isn't worth the hassle of filling in a form (which is not very complicated unless your self-employed)

I understand this but if they get away with not having to pay a few hundred quid to every family earning between 50-60k who are entitled to something, then they will be reaping millions back. You wouldn't let Tesco dip into into your bank account and take out money, why let the Government?

OwlLady Wed 09-Jan-13 15:09:39

I knew nothing about that form, thanks keepon

latentheat Wed 09-Jan-13 15:23:33

We will lose it all, despite the fact that it's DH who is the high earner and he's stepfather to DD so isn't actually related to her. I am a f/t carer for her so I just get CA.

Like a lot of mothers of disabled children my first marriage broke down under the stress and I was a single parent/carer for year, entirely dependent on benefits. It wasn't easy meeting a new partner, let alone a gem like DH who's been willing to take on the financial burden for a child with additional needs. I lost a lot in tax credits as well when we got married, even though DD gets HRC/HRM DLA (at least that's not means-tested...wouldn't put it past them to consider it though).

My friends were amazed when DH proposed actually, they couldn't believe that he'd tie himself down to someone in my situation (on benefits, no prospect of me earning more money due to DD's needs, DD likely to need care well into her adult years). I definitely think single mums with disabled children are going to find it much harder to settle with new partners in the future, as their partners are effectively penalised financially for doing so.

bialystockandbloom Wed 09-Jan-13 15:23:35

Owl, are carers exempt from the CB changes? Do you claim Carers allowance?

bialystockandbloom Wed 09-Jan-13 15:24:29

Ah, sorry, it looks like latentheat has answered that question...

I thought you couldn't get carers allowance if you had a high income ?

Sorry, just looked it up - its not based on family income, so you could be with someone earning a decent amount. Wish I'd known that when I gave up work to look after ds!

MovingOnNow Wed 09-Jan-13 16:01:39

Hi can someone tell me if I would be affected. My oh earns not much below 50K but he has a company car, does this affect what is classed as his earnings? He also got a bit of a bonus this year which might tip him over 50K. Would they have written to us or is it up to us to sort it out? Confused. I don't work, well I do a tiny bit from home and get CA at the moment for my son though this is only approved til he is 6 depending on outcomes of his assessments.

bigbluebus Wed 09-Jan-13 17:12:52

You can get Carers Allowance as long as you don't earn more than £100pw yourself. Your partner's income is not taken into account...........yet!

OwlLady Wed 09-Jan-13 17:26:01

yes yet. I bet it will be the next thing on their list hmm and I really haven't got a cat in hells chance of working again if I am realistic.

movingout, we were not sent a letter either but I didn't want them to carry on paying it if we can't claim as I am hopeless with money through lack of time mostly so just opted out online. I am sure if you ring them and ask they will talk you through it

auntevil Wed 09-Jan-13 17:36:25

We didn't get a letter - but DH got the info from work. It did explain the logistics of how anyone self assessed would fare financially if they took the option to opt out or have it re-claimed.
If anyone wants a copy of the letter I can PM it.
All it has done to me is make me determined this year that I will claim DLA for DS1. I keep putting it off, thinking that we are OK off financially.
I think that I might be in the minority of those who are in the income bracket to opt out, but I spent all the CB on the DSs. I have been spending my PT pittance on care home fees for my DM. Something has to give - sorry DSs

googlyeyes Wed 09-Jan-13 17:46:44

Several people I know didn't receive a letter (which was more of an information sheet) despite high incomes. They will still have to pay the money back if they don't opt out of claiming. The onus is on you to find out whether your family is still entitled to claim.

I still can't believe it's all happened, despite the ludicrous inequity of it all. It's just gone ahead with much grumbling but little real protest, as they hoped it would.

And forgive my naivete but didn't the Tories state they wouldn't fuck with CB in their manifesto?

Grrrrr. I just hope to God that people don't forget this come election time, but in 2.5yrs it will prob be v old news....

OwlLady Wed 09-Jan-13 17:49:37

yes, he also said that those parents with severely disabled children would not be affected by any cuts as well
weird how it's happened at a local authority level as well

also they were all for 'traditional families' and then says that people with a single income of 50k per housegold or more need to contribute more.

auntevil Wed 09-Jan-13 18:02:30

googlyeyes - yes Cameron looked straight into the camera pre election and said he would not mess with CB.
I remember turning to DH at the time and telling him that he was lying. You could tell by the look on his face.

bochead Wed 09-Jan-13 18:24:18

As a lone parent of a child who only qualifies for MR DLA I'm furious at Camerloon right now. Everything he touches turns to dross as far as I'm concerned!

Due to the additional costs associated with finding childcare for disabled kids, I can only work full time IF my salary will take me over the child benefit cut off mark. Families with disabled kids are also increasingly finding their outgoings are increasing to to the cutbacks within the NHS and social care sector for essential therapies, equipment and support, just as DLA is about to be slashed under Universal Credit. Many children I've met on the MR DLA rate are "severely disabled", given that the HR criteria is based on night time care only.

I "contributed" 40% tax rate for years before DS's needs became to great for standard childcare facilities. After being forced out of the workforce for a few years by my caring responsibilities I've been looking forward to rejoining the workforce. CB & DLA was going to be put towards the extortionate childcare costs. Families like mine are worst hit as I have no second adult to help defray the caring responsibilities, turn take for appointment attendance, do the odd school pick up in an emergency etc.

I was REALLY looking forward to returning to work, in large part to reduce the awful sense of social isolation that comes with being a lone parent of a disabled child.

£20 child benefit per week for an only child may seem like pocket change to Camerloon, but for families like mine it represents a week's groceries, and I just don't see any evidence that he "gets" that. A salary of £50-£60K is very good but hardly provides a household income sufficient to provide a champagne lifestyle in high housing cost areas such as London, once disability childcare and non-NHS therapy costs are taken into account.

Deffo agree on the previous posters comments about single parents of disabled kids having yet another barrier placed in front of them in the quest to find a new partner too.

The way I see it this gubberment is hell bent on screwing societies most vulnerable families on all fronts at any cost right now.

Eliza22 Wed 09-Jan-13 18:58:18

The whole thing is, as my granny would have declared "arse-uppards".

Someone made a good point about single mums with a disabled child and their being seen as a burden in any future relationships. I too met a good man. He works hard/long hours. I worked as a nurse for 26 years before being unable to continue shifts whilst attending to my son's needs. I get Carer's Allowance. Ds gets HRC and LRM. As a single mum (my ex husband left 3 weeks after ds was diagnosed aged 4)) I did receive benefits. However, when four years later I married DH, obviously, all of that ceased, as it should.

Bur I feel really bad. Dh working so hard means I am available to tend to MY son. DH is a great step dad but DS IS NOT HIS SON. My ex and his partner earn 80k combined. They have no children. My ex pays the minimum recommended maintenance payment.

I think Mr Cameron is a disgrace. It feels like everything the Tories said they would categorically not do, they are now doing or planning to do.

Perhaps I have lived my life wrongly? I have worked from age 17. I'm now 50+. When I needed it, for a short period of time, the State helped me. I have one child. I had/have a mortgage, never spent beyond my means, did extra work when I was able (with an agency) to pull in more cash when needed. I paid into a pension (as advised) and my DH makes makes contributions to it now, on my behalf. Perhaps I ought to have had ten kids to three different fathers, never worked and sat with my hand out, all my life.

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