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AIBU to be angry about the benefits system

690 replies

Daffodilsinfebruary · 07/04/2024 16:23

I have recently discovered by using a free, independent benefits calculator called entitledto that had I applied for Universal Credit over 2 years ago, me and my family would be over £16,000 better off.

I had assumed that benefits were for either single-parent families or people unable to work due to disability.

The majority of our savings would have been from claiming 85% back in childcare costs. We also would have had a payout of over £200 each month in addition.

For context, we bring in just shy off £4,000 a month. I thought this was a very reasonable income and we would be entitled to nil.

I feel angry that we did not know about this. A friend of mine who I met through our children attending the same nursery told me she claims 85% back in childcare costs during a conversation in which I complained of my childcare going up £150.

I did further research and 19 billion pounds apparently goes unclaimed every year.

I’ve never claimed benefits in all my life and worked hard to get on the property ladder.

should I be angry that we didn’t claim, or take it in my stride.

I wonder how many other families who could have claimed but haven’t.

OP posts:
Thread gallery
11
Nicetobenice67 · 09/04/2024 20:24

@Lavenderblue11 but I also agree there are far to many job dodgers claiming

Addictedtohotbaths · 09/04/2024 20:24

Daffodilsinfebruary · 07/04/2024 17:06

maybe the online calculator I used is wrong then

I will try another calculator later just have to tend to my children now

its a Chinese bot - people don’t “tend” to their children

Babyroobs · 09/04/2024 20:24

Nicetobenice67 · 09/04/2024 20:23

Absolutely…but that’s not what I’m saying is a joke it’s the fact ppl can have an income of £4000 and still get benefits….that is a joke

She would only be getting the money due to extortionate childcare costs ?

Nicetobenice67 · 09/04/2024 20:23

Lavenderblue11 · 09/04/2024 20:21

At least she works, unlike a lot of job-dodging layabouts who are claiming absolutely everything.

Absolutely…but that’s not what I’m saying is a joke it’s the fact ppl can have an income of £4000 and still get benefits….that is a joke

Babyroobs · 09/04/2024 20:22

Lavenderblue11 · 09/04/2024 20:21

At least she works, unlike a lot of job-dodging layabouts who are claiming absolutely everything.

Exactly. Not sure how people can begrudge others getting help with childcare when it keeps someone in the workforce paying taxes for many years to come. It's not like she's going on a cruise with the UC money is it, it's just helping towards paying a ( massive ) bill ?

Lavenderblue11 · 09/04/2024 20:21

Nicetobenice67 · 07/04/2024 17:14

💯 it’s I 🤬joke

At least she works, unlike a lot of job-dodging layabouts who are claiming absolutely everything.

Babyroobs · 09/04/2024 20:18

Disabledmomma · 09/04/2024 20:15

Applying for benefits should be easier. It should be all one system. It isn’t.

one for universal credit
one for PIP
one for child benefit
one for childcare cost
one for this one for that. Each one needs virtually the same info, is horrendous if you’re a single disabled parent of three children.
I’ve barely time for a shower let alone all the hoop jumping (try doing that in a wheelchair). I swear they want blood, your inside leg measurement and cup size.
Need to change one little detail - nope you have to start all over. Ff’s!

UC rolled six benefits into one. The current government are looking to do away with the work capability assessment on UC and link it to PIP, Childcare costs are part of a UC claim as this thread shows but I agree the other childcare that's available can be confusing. I don't see how they could make PIP part of UC as many people claiming PIP will not be on a low enough income to claim UC or may have significant savings that rule them out of claiming?

Disabledmomma · 09/04/2024 20:15

Applying for benefits should be easier. It should be all one system. It isn’t.

one for universal credit
one for PIP
one for child benefit
one for childcare cost
one for this one for that. Each one needs virtually the same info, is horrendous if you’re a single disabled parent of three children.
I’ve barely time for a shower let alone all the hoop jumping (try doing that in a wheelchair). I swear they want blood, your inside leg measurement and cup size.
Need to change one little detail - nope you have to start all over. Ff’s!

Babyroobs · 09/04/2024 20:15

fitzwilliamdarcy · 09/04/2024 20:13

Good for those on UC, not for those still waiting to be migrated over though. Nobody in my circle is on anywhere near this amount of money - they’re visiting food banks and skipping meals.

Anyone can choose to migrate over to UC at any time. They just need to make sure they will be better off.

Headfirstintothewild · 09/04/2024 20:15

fitzwilliamdarcy · 09/04/2024 20:13

Good for those on UC, not for those still waiting to be migrated over though. Nobody in my circle is on anywhere near this amount of money - they’re visiting food banks and skipping meals.

You can choose to switch to UC if you so wish. You don’t have to wait for managed migration.

ladykale · 09/04/2024 20:14

Meadowfinch · 07/04/2024 16:38

Well, you've survived and clearly not starved so on a basic level you didn't need them.

The benefit system is for people to claim if they need it. If they are struggling.

It isn't a secret.

Well OP's example shows that it isn't... many more people are on universal credit and get top ups to be able to afford luxuries frankly!

fitzwilliamdarcy · 09/04/2024 20:13

Babyroobs · 09/04/2024 20:03

Someone who is disabled and cannot work can get UC. Once assessed as having LCWRA ( Limited capability for work and work related activity ) they can get another £400 a month. When they are awarded that, if they have a partner they can then get a work allowance and if on PIP the partner can get a carers element regardless of how many hours they work. It's not great if neither are working but when that work allowance is factored in it really isn't bad.

Edited

Good for those on UC, not for those still waiting to be migrated over though. Nobody in my circle is on anywhere near this amount of money - they’re visiting food banks and skipping meals.

LunarLover · 09/04/2024 20:06

Daffodilsinfebruary · 07/04/2024 16:31

I am angry at myself, I was aware of the 20% Government top up on tax free childcare that I claim.

in 2019 before I got pregnant, I had a look to see if we were entitled to any help and we weren’t. So the government must have updated the criteria since then.

It did not dawn on me to check again.

Me and my husband do not struggle and have plenty of disposable income. We do not need the benefits to get by.

I suppose I am also angry that Tax Payers money Is being claimed by couples in the same position as us to have an even better lifestyle.

i thought benefits were for people who could not afford to live, yet me and my DH can afford to live and have luxuries yet would still be able to claim. Just feel this is wrong. Surely we should be able to keep more of our tax.

The system seems broken.

I'm pretty sure if you actually applied through the official claims platform you wouldn't be entitled to anything. If you say you have plenty of disposable income you shouldn't be entitled to benefits. My family of 4 are on the brink of eligibility since I have started to up my work hours through self employment + employment for the first time in 5 years since becoming a mum. Some months I receive a payout and others I get £0. Dependant on my self employed income for that month. So even though we technically qualify for 85% child care costs repaid, it is looked at as a whole regards to meeting the threshold for allowance.

MintTraybake · 09/04/2024 20:05

Daffodilsinfebruary · 07/04/2024 16:31

I am angry at myself, I was aware of the 20% Government top up on tax free childcare that I claim.

in 2019 before I got pregnant, I had a look to see if we were entitled to any help and we weren’t. So the government must have updated the criteria since then.

It did not dawn on me to check again.

Me and my husband do not struggle and have plenty of disposable income. We do not need the benefits to get by.

I suppose I am also angry that Tax Payers money Is being claimed by couples in the same position as us to have an even better lifestyle.

i thought benefits were for people who could not afford to live, yet me and my DH can afford to live and have luxuries yet would still be able to claim. Just feel this is wrong. Surely we should be able to keep more of our tax.

The system seems broken.

The cost of living means that basic entry salary for living wage is now over £21k a year. 2 of those salaries equate a take home (excluding any student loan payments) of approximately £3800/month.
whereas one salary of £50k equates a take home of around £3200/month and also means you’re not able to claim any form of benefit and child benefit gets reduced just over this figure.
you only get the childcare vouchers through work I believe - I wouldn’t really feel too hard done by OP. Be grateful
you haven’t needed it to survive.
ifyou don’t need it then so be it. There are many others that are not in that position.

Babyroobs · 09/04/2024 20:03

fitzwilliamdarcy · 09/04/2024 19:57

There is a lot of help available through means tested and non means tested benefits, especially if disabled or too ill to work

This could not be further from the truth in my experience. The maximum amount a single adult who isn’t fit for work can claim is £140 ESA per week. Half the state pension (which is the MN standard for poverty and starvation). Yes there’s PIP but hardly any claims get granted first time and the govt famously rejects claims made by the terminally ill, so what chance does anyone else have?

The benefit system is appalling for those who are disabled. It really, really upsets me.

Someone who is disabled and cannot work can get UC. Once assessed as having LCWRA ( Limited capability for work and work related activity ) they can get another £400 a month. When they are awarded that, if they have a partner they can then get a work allowance and if on PIP the partner can get a carers element regardless of how many hours they work. It's not great if neither are working but when that work allowance is factored in it really isn't bad.

Babyroobs · 09/04/2024 20:01

katebushh · 09/04/2024 19:52

You should be angry that the government choose not to inform people of their entitlements so much so that they have a surplus of millions in unclaimed benefits every year.

YABU to blame the benefits system per se..

There is plenty of information out there. The Gov.uk site is full of all kinds of benefits people can claim and some of the online benefit calculators are very easy to use. Short of doing an individual benefit check on everybody I'm not sure what more the government could do. Organizations like CAB and Age Uk are overwhelmed with people asking for benefit checks and form filling. Anyone can ask CAB for a benefit check if they are not sure or not confident to do it themselves. they may have to wait a couple of weeks but they will get it. people like martin lewis are constantly encouraging people to check, reminding people about all sorts of benefits they can claim, highlighting when there's a last date to claim by to get cost of living payments etc. Seriously what more do people want ?

BubblesNSnuggles · 09/04/2024 20:00

curious as to how you’d be entitled to that - we are in an almost identical position earnings wise and pay for childcare etc and are entitled to nothing except the child benefit we already receive.

fitzwilliamdarcy · 09/04/2024 19:57

There is a lot of help available through means tested and non means tested benefits, especially if disabled or too ill to work

This could not be further from the truth in my experience. The maximum amount a single adult who isn’t fit for work can claim is £140 ESA per week. Half the state pension (which is the MN standard for poverty and starvation). Yes there’s PIP but hardly any claims get granted first time and the govt famously rejects claims made by the terminally ill, so what chance does anyone else have?

The benefit system is appalling for those who are disabled. It really, really upsets me.

Babyroobs · 09/04/2024 19:57

GinMeUpButtercup · 09/04/2024 19:53

The benefit system in this country is a trap. We fell on hard times in 2012 and claimed housing and council tax benefit, whilst both working full time I’d like to add.

Every single time my partner or I had a change in circumstances or income we immediately declared it.

By 2022 we in a position where we no longer needed to claim. Instantly hit with over payment bills. We’re still paying it back.

If you have got this far not needing that extra 16k to house, feed and clothe your family it is 100% not worth it.

This is why UC is in some ways a much better system, it recognizes wage increases immediately and adjusts benefits accordingly so it's harder to be overpaid.

Babyroobs · 09/04/2024 19:55

XenoBitch · 09/04/2024 19:51

Isn't Attendance Allowance essentially DLA/PIP for people of pension age?

DLA/PIP is not means tested either.

Yes I said in my post that it was non means tested. my point was that people will claim what they can regardless of whether they need it or not. And of course they are completely entitled to do so.

GinMeUpButtercup · 09/04/2024 19:53

The benefit system in this country is a trap. We fell on hard times in 2012 and claimed housing and council tax benefit, whilst both working full time I’d like to add.

Every single time my partner or I had a change in circumstances or income we immediately declared it.

By 2022 we in a position where we no longer needed to claim. Instantly hit with over payment bills. We’re still paying it back.

If you have got this far not needing that extra 16k to house, feed and clothe your family it is 100% not worth it.

Blondeandbeautifullol · 09/04/2024 19:52

@TheLovelinessOfDemons you are the exactly the sort of person who deserves more. The scroungers, tax dodgers and those fiddling the system are depriving people like you. There would be more for those in dire need if half the people I've met actually declared their taxes properly or companies like Boots and Amazon etc paid tax properly!

katebushh · 09/04/2024 19:52

You should be angry that the government choose not to inform people of their entitlements so much so that they have a surplus of millions in unclaimed benefits every year.

YABU to blame the benefits system per se..

XenoBitch · 09/04/2024 19:51

Babyroobs · 09/04/2024 19:34

People seriously are going to claim something if they can though aren't they ?I work in a job helping elderly people to claim benefits. Many literally have 100k in the bank and still want to claim Attendance allowance which is non means tested because they can. Many don't need it and don't even spend it on what it's intended for but still carry on just getting £110 a week extra money that they don't need. Often both of a couple claim it so £220 a week extra and in my experience it's pretty easy to get with a couple of health issues on your GP record !

Edited

Isn't Attendance Allowance essentially DLA/PIP for people of pension age?

DLA/PIP is not means tested either.

BadlyDrawnRoy · 09/04/2024 19:48

Babyroobs · 09/04/2024 19:34

People seriously are going to claim something if they can though aren't they ?I work in a job helping elderly people to claim benefits. Many literally have 100k in the bank and still want to claim Attendance allowance which is non means tested because they can. Many don't need it and don't even spend it on what it's intended for but still carry on just getting £110 a week extra money that they don't need. Often both of a couple claim it so £220 a week extra and in my experience it's pretty easy to get with a couple of health issues on your GP record !

Edited

Yes, you're right, if people can, some people will. And that's why the country is knackered. Greed and entitlement.