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Benefit cap? Benefit fraud?

135 replies

coco99 · 07/06/2025 17:18

Have I unknowingly been committing some sort of benefit fraud? 😭

I’m currently in receipt of
£1778 universal credit per month
£748 DLA for my son every 4 weeks
£83 carer’s allowance weekly
£26 child benefit weekly

I was discussing finances with a close family member today and they’ve told me that I’m getting too much and there’s a benefit cap? (There was no judgments, she’s just worried I’m being going to get accused of committing benefit fraud). She said that my total benefits are way over the cap, but I never knew there was a cut off point? Universal credit know about the DLA/carers that I claim because I informed them? I’m panicking a little bit now that I might have been overpaid and will have to pay some back!

AIBU? Have I been claiming too much that goes past the cap?

OP posts:
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ilovesooty · 08/06/2025 14:04

spicemaiden · 08/06/2025 09:14

You don’t get to choose whether yhd pension is a benefit or not - it is. Period.

and I think you’ll find that the pension pot ran dry a very long time ago as today’s pensioners didn't pay in anywhere near enough - people paying taxes now are paying for the pensions

Winter fuel payment - excellent news.

Exactly. The average pensioner will become a net recipient by the age of 70. The state pension is legally defined as a benefit.

spicemaiden · 08/06/2025 09:14

charliehungerford · 08/06/2025 09:03

The winter fuel allowance has been means tested, your stats re pensioners is very dependent on whether you consider the state pension to be a ‘benefit’ or something that working people have paid in to all their working lives.

You don’t get to choose whether yhd pension is a benefit or not - it is. Period.

and I think you’ll find that the pension pot ran dry a very long time ago as today’s pensioners didn't pay in anywhere near enough - people paying taxes now are paying for the pensions

Winter fuel payment - excellent news.

spicemaiden · 08/06/2025 09:11

charliehungerford · 08/06/2025 08:50

If you consider £3,000 a month to be a pittance I’d like to live in your world. What would you consider to be ‘adequate’ ?

It is a pittance for many families with disabilities.

I got not far off that as a single parent with two children one with a disability - I had to home educate because the school and SEND system was abc still is a travesty - we barely got by.

Just to make your blood boil a little more - I now work full time for a local authority in mental health - if I was a single mum now and somehow magically managed to continue my current job whilst still with the same child set up I’d be receiving DLA plus UC and would be getting around £3000 a month in wages and benefits.

If I were to become a single mum now with my children older, my eldest would still be receiving PIP, I’d still be getting universal credit and again, roughly the same would be coming into the household.

charliehungerford · 08/06/2025 09:03

spicemaiden · 08/06/2025 08:13

Means testing for the winter fuel allowance for a start - pensioners make up more than 50% of the National benefits bill (whoch doesnt include disability benefits spending - most of which ALSO goes the pensioners)

Single mothers on benefits makes up a tiny proportion of our welfare budget.

The winter fuel allowance has been means tested, your stats re pensioners is very dependent on whether you consider the state pension to be a ‘benefit’ or something that working people have paid in to all their working lives.

SnapAndFartAllDayLong · 08/06/2025 08:54

MaySea · 08/06/2025 04:42

Taxing the mega rich and closing the loopholes would be a good start. Building council houses would lower the benefit bill as we'd then be investing in state owned property rather then lining the pockets of private landlords. And while we're at it re-nationalise all the other public services we sold off which are ALSO costing us a fortune and lining the pockets of private shareholders! Ever wonder how we had much better public services when we were a much poorer country...?

This!!! Well said!!!

charliehungerford · 08/06/2025 08:50

MaySea · 07/06/2025 19:47

I can. Benefits are a pittance and disabled children are not adequately financially supported, they clearly are not. OP deserves every penny but should be getting more as the system is in no way generous and is not proper support.

If you consider £3,000 a month to be a pittance I’d like to live in your world. What would you consider to be ‘adequate’ ?

spicemaiden · 08/06/2025 08:13

Mademetoxic · 07/06/2025 20:46

Where will this magic money tree come from then to pay more? The country cannot afford it.

Means testing for the winter fuel allowance for a start - pensioners make up more than 50% of the National benefits bill (whoch doesnt include disability benefits spending - most of which ALSO goes the pensioners)

Single mothers on benefits makes up a tiny proportion of our welfare budget.

MaySea · 08/06/2025 04:42

Mademetoxic · 07/06/2025 20:46

Where will this magic money tree come from then to pay more? The country cannot afford it.

Taxing the mega rich and closing the loopholes would be a good start. Building council houses would lower the benefit bill as we'd then be investing in state owned property rather then lining the pockets of private landlords. And while we're at it re-nationalise all the other public services we sold off which are ALSO costing us a fortune and lining the pockets of private shareholders! Ever wonder how we had much better public services when we were a much poorer country...?

DoubleRainbow3 · 08/06/2025 02:20

Haters will hate me too then.
I've 3 children on hrc.
Did you all see the thread yesterday about how many parents of disabled children have thought about suicide ?
Judge away though.
Having the freedom to go out to work would be a dream come true for me.

Willyoujustbequiet · 08/06/2025 01:09

Mademetoxic · 07/06/2025 20:46

Where will this magic money tree come from then to pay more? The country cannot afford it.

Then the country absolutely won't be able to afford funding residential care at thousands per week because the family carers have given up.

We owe them a huge debt.

MsDDxx · 08/06/2025 01:07

smileymileysmiley · 07/06/2025 18:10

Astonishing amounts - no wonder country is broke and the far right becoming populist. 3k a month it's incredible

And she won’t be the only one.

It’s nuts.

Willyoujustbequiet · 08/06/2025 01:01

Allseeingallknowing · 07/06/2025 18:03

It does seem a lot of money and I can understand some who work full time and not getting anywhere near that being peeved, but we don’t know all the details.

Really? I'd imagine most people would just be grateful their children aren't disabled and they don't have to sacrifice their career to care for them 24/7.

ReplacementBusService · 07/06/2025 23:56

anytipswelcome · 07/06/2025 21:12

Wouldn’t it be refreshing if a government focused on closing tax loopholes for billionaires and corporations then?

Crazy talk. Blue sky thinking. Let's focus on arguing over the crumbs under the table.

BernardButlersBra · 07/06/2025 23:54

Hibernatingtilspring · 07/06/2025 19:08

@OldMcDonaldHadABigMac I'm aware that wages are published, I'm also aware that 9-5 Monday to Friday nursing jobs are not the norm! Regardless though, I don't think any of my colleagues would think the OP has an easier life and want to swap!

There are plenty of 9-5 nursing jobs

BernardButlersBra · 07/06/2025 23:53

This reply has been deleted

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BernardButlersBra · 07/06/2025 23:51

Mrsmounjaro · 07/06/2025 17:57

Dont mind me, just getting comfy

Quite

Praying4Peace · 07/06/2025 23:32

TigerIamNot · 07/06/2025 18:07

you have no idea what OP's outgoings are, what the nature of the disability is.

Are there really people who are jealous of someone's disability? Jesus :(

Missing the point

ARichtGoodDram · 07/06/2025 23:23

Where will this magic money tree come from then to pay more? The country cannot afford it.

Where will the money come from to not pay it?

I get carers allowance for my DD and she gets DLA.

She is currently assessed as needing carers to do bedtime and mornings as it needs 2 people (no staffing available atm), respite 2 nights a month (doesn't happen as no carers available), she has district nurse visits 4 times a week (mostly happen), school transport daily as the only suitable school is 45 minutes away (I live in the same street as a primary school but it doesn't have accessible facilities even if they could have coped with her - her transport is extremely unreliable), she has weekly physio (we pay), weekly speech therapy (we pay) and fortnightly hydrotherapy (we pay).

We've been asked to consider sending her to a residential school because of the difficulties in providing the carers and other therapy she needs. We've refused it so far because as a family we can cope physically and financially atm so can muddle through.

Where is the magic money tree to fund the care children like her will need if the pressure on families like ours continues?

Unforgettablefire · 07/06/2025 22:55

@Straightjacketsandroses no need for that how utterly vile.

Straightjacketsandroses · 07/06/2025 22:42

This reply has been deleted

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TigerIamNot · 07/06/2025 21:17

@pinkstripeycat having disabled children meant for mean no access to wrap around childcare, no holiday club, 2-3 appointments per week. One child well over a year our of school. I lost my full time job paying 40k and now work very part time (but above the carers allowance threshold). DLA has been critical for us to keep paying basic bills and afford a living. I couldn't love on the 18k I earn now annually in my part time role and pay the mortgage and utilities. We also had to find Speech and language therapy privately costing £80 per hour (weekly sessions). Without DLA, we would be homeless or I would have to hand over the DC to social care for a foster family which would have cost multiple times as much.

It cannot be really that hard to imagine that having to care endless hours and not being able to earn a full time wage has an actual cost.

anytipswelcome · 07/06/2025 21:12

Mademetoxic · 07/06/2025 20:46

Where will this magic money tree come from then to pay more? The country cannot afford it.

Wouldn’t it be refreshing if a government focused on closing tax loopholes for billionaires and corporations then?

Mademetoxic · 07/06/2025 20:46

MaySea · 07/06/2025 19:47

I can. Benefits are a pittance and disabled children are not adequately financially supported, they clearly are not. OP deserves every penny but should be getting more as the system is in no way generous and is not proper support.

Where will this magic money tree come from then to pay more? The country cannot afford it.

spicemaiden · 07/06/2025 20:42

pinkstripeycat · 07/06/2025 19:40

General question. Not having a go.
So OPs child isn’t yet school age what is the DLA for? How is it any different to parents caring for pre school children without disabilities? I understand of child needs special equipment, hoists maybe etc but surely that is all provided and the DLA is on top……

My friend had £800 DLA for both her children when they were pre-schoolers (now 18 & 19) because they were hard of hearing. Family were offered sign language lessons for parents and children aswell as DLA. Friend didn’t take them. Also got a computer at home for DC which was given (she didn’t have to pay for it with DLA). DC were preschoolers so don’t know why they needed a computer? The DLA was, as she described it, free cash. Now I would never want my DC to have hearing problems in exchange for money or things but friend didn’t need it. She used to buy expensive clothes, had a new car and went on holidays. I’d have put money like that in the bank for my DC.

Both her DC went to mainstream school and then eldest went to a private school for the deaf, all paid for. She has implants so can hear and the 18yr old has hearing aids and can also hear.

Article to introduce you to the world of the ‘disability tax’

https://www.theguardian.com/wellness/2024/nov/18/anti-ableist-manifesto-book

A cutting board costs me $75 – it might cost you $10. What to know about the ‘disability tax’

Research shows disabled people need at least 28% more income than non-disabled people for a similar living standard

https://www.theguardian.com/wellness/2024/nov/18/anti-ableist-manifesto-book

pinkstripeycat · 07/06/2025 20:38

Avantiagain · 07/06/2025 19:42

" I understand of child needs special equipment, hoists maybe etc but surely that is all provided and the DLA is on top……"

It isn't all provided.

Ok. I didn’t realise this. Thank you