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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:
RafaistheKingofClay · 07/06/2025 19:29

charliehungerford · 07/06/2025 19:21

I’m not suggesting that the OP ‘receives too much’, I stated it must be incredibly hard work looking after a disabled child, but for a two person household it’s a decent amount of financial support. My criticism is towards those who say that benefits are a pittance and parents with disabled children don’t receive enough money. If this is an
example for a single parent with a disabled child it’s clear that the financial support is there.

You realise this is unlikely to cover the actual living costs associated with having a child with a disability and while it looks like a lot it almost certainly doesn’t cover the actual costs.

MaySea · 07/06/2025 19:26

charliehungerford · 07/06/2025 19:21

I’m not suggesting that the OP ‘receives too much’, I stated it must be incredibly hard work looking after a disabled child, but for a two person household it’s a decent amount of financial support. My criticism is towards those who say that benefits are a pittance and parents with disabled children don’t receive enough money. If this is an
example for a single parent with a disabled child it’s clear that the financial support is there.

Benefits are a pittance. Once rent is removed they really are not enough to live on anymore. Especially if you are privately renting and have a massive shortfall or are disabled so have massively higher outgoings than an able person.

MathNotMathing · 07/06/2025 19:25

This reply has been deleted

This has been deleted by MNHQ for breaking our Talk Guidelines.

ilovesooty · 07/06/2025 19:24

x2boys · 07/06/2025 19:23

I think they are in favour of it as long as people don't get more than them so they would be happy if people just had nenough so they have a roof over their heads and are not starving .

I think that's spot on. It's depressing.

x2boys · 07/06/2025 19:23

RafaistheKingofClay · 07/06/2025 19:20

It is confusing. Half the time posters are on here saying they aren’t against the benefits system but it should be for those that genuinely need it. And yet they object to a child who is severely disabled getting benefits. You have to wonder who they think is worthy of needing support.

I think they are in favour of it as long as people don't get more than them so they would be happy if people just had nenough so they have a roof over their heads and are not starving .

ilovesooty · 07/06/2025 19:22

COUN · 07/06/2025 19:19

As somebody disabled, with amputated limbs, benefits to the equivalent £46k pretax salary is infuriating! This isn’t the OPs fault, it’s the government. I completely agree; nobody should receive more than NMW in benefits.

If they have the costs associated with caring for a severely disabled child, they need to be helped with those.

charliehungerford · 07/06/2025 19:21

I’m not suggesting that the OP ‘receives too much’, I stated it must be incredibly hard work looking after a disabled child, but for a two person household it’s a decent amount of financial support. My criticism is towards those who say that benefits are a pittance and parents with disabled children don’t receive enough money. If this is an
example for a single parent with a disabled child it’s clear that the financial support is there.

OldMcDonaldHadABigMac · 07/06/2025 19:20

Hibernatingtilspring · 07/06/2025 19:14

@OldMcDonaldHadABigMac if it's not relevant, why were you bringing up the wages in the first place?

Are you hard of understanding? I said to you that your last sentence has no relevance to anything I said. That sentence was "Regardless though, I don't think any of my colleagues would think the OP has an easier life and want to swap!" Nothing to do with wages, you were talking about swapping staying at home with working.

I also didn't "bring up" wages, I replied to a person who did bring up salary.

RafaistheKingofClay · 07/06/2025 19:20

It is confusing. Half the time posters are on here saying they aren’t against the benefits system but it should be for those that genuinely need it. And yet they object to a child who is severely disabled getting benefits. You have to wonder who they think is worthy of needing support.

Unforgettablefire · 07/06/2025 19:19

charliehungerford · 07/06/2025 17:50

I don’t begrudge anyone receiving benefits if they are unable to work as they are looking after a disabled child, I I imagine it must be bloody hard work, especially if you don’t have a partner to help, but I do find it frustrating when people say that having to rely on benefits is a breadline subsistence and it’s hard to live on and that the government don’t care about disabled people. The amount the OP receives equates to a gross salary of £46,000 a year which is almost double the minimum wage.

“I don’t begrudge anyone…but…

Theres always a “but” isn’t there. Because you absolutely do begrudge it.
Try imagining how difficult, and costly it is being in the position of caring for a disabled child it’s not cheap!

COUN · 07/06/2025 19:19

As somebody disabled, with amputated limbs, benefits to the equivalent £46k pretax salary is infuriating! This isn’t the OPs fault, it’s the government. I completely agree; nobody should receive more than NMW in benefits.

Earlybirdtweetiepie · 07/06/2025 19:15

TigerRag · 07/06/2025 18:19

They just see the money and don't think

This is what annoys me...what a person does caring for a loved one or a disabled child. If employed would be titled Live-In Carer or Senior Carer. They would of had to do and be qualified for medication administration, hoisting training for those with mobility issues requiring specialised equipment. Although when I worked in care that required 2:1 carers on shift...yet the family members had to do it single handedly. Employed they would earn 50000 per annum due to the overnight 24/7 care and qualifications needed. They would then also be entitled to holidays, sick pay...

But here we are bashing the benefits and "no employment" even though most carers who are family members do more than most 40 hour week roles 😂

But let's get them into work and outsource the carers needed instead...that would require an extremely costly package of care far exceeding the benefits..would we prefer to pay for that instead through tax?

Jeschara · 07/06/2025 19:14

Straightjacketsandroses · 07/06/2025 18:04

No one should be able to claim almost 50k in benefits. I don’t care what the circumstances are.

Nasty and jealous, this Mother has a severely disabled child. Shut up if you are not a parent, or do not have a child that needs alot of help and care.

Hibernatingtilspring · 07/06/2025 19:14

@OldMcDonaldHadABigMac if it's not relevant, why were you bringing up the wages in the first place?

RafaistheKingofClay · 07/06/2025 19:12

TigerIamNot · 07/06/2025 19:01

Newsflash - you cannot get carers to look after your disabled child so you can work. This is not how it works. The current systems on place force the parent to leave employment. There is no element of choice involved.

I think the point the poster was making was more along the lines of it would cost the government more to pay a carer than the cost of benefits paid to the OP. More like even if it did exist it might not be a good use of anyone’s time or the government’s money.

It might be nice if it did exist but I suspect that a) some posters would still resent it and b) single parents of severely disabled children would face an awful lot of issues without extremely understanding employers and work colleagues.

OldMcDonaldHadABigMac · 07/06/2025 19:11

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!

Your last sentence has no relevance whatsoever to anything I've said. I was simply stating salary amounts. You tried to come back and make out that what I was saying was incorrect. It wasn't.

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!

PinkyFlamingo · 07/06/2025 19:07

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Well don't then. Give your job up and go on benefits if you're that jealous.

Avantiagain · 07/06/2025 19:06

"It's double what I get from working but why should the OP go out to work full time and get a carer paid for from the Government when she is the perfect choice to care for her DC ."

No one gets a carer for their child paid for by the government to enable them to work.

LaurieFairyCake · 07/06/2025 19:06

If only people on this thread would instead reframe as the OP SAVING THE STATE more than QUARTER OF A MILLION POUNDS every year

as that would be the cost ( £300,000 plus EVERY year ) in 24 hour assisted and cared living place

or perhaps those criticising think we should kill disabled children? Hmm

  1. thats literally your choice - pay a parent £30,000 to stay at home and look after the child

or 2. Pay the best part of half a million for the kid to be cared for by the state

or 3. Kill the kid

did I miss any other choice out ? Hmm

OldMcDonaldHadABigMac · 07/06/2025 19:05

Hibernatingtilspring · 07/06/2025 19:02

@OldMcDonaldHadABigMac I don't know all the professions my wages are similar to what the OP gets, and the nurses and OTs that I work with, we're all on similar. They get shift allowance which bumps up the basic wage quite a lot.

The ones that work unsocial hours get shift allowance, the ones that work in clinics, the community etc, they don't. So they'll be on the wage that I stated. It's just fact, there isn't really any debating it, the figures are under the published agenda for change information.

RafaistheKingofClay · 07/06/2025 19:04

Allseeingallknowing · 07/06/2025 18:41

No, I said to anyone who doesn’t know the details that is a lot of money to someone on a low wage. It’s the low wages that’s the problem

Technically it’s the low wages and high rental costs that are the issue. Successive governments seem to think that propping up house prices and rental prices is important which is always going to mean more needing to be paid out to landlords.

Co-incidentally quite a lot of the people responsible for this are also landlords. More social housing at a reasonable rate (even if this undercuts local rental prices) would go a long way to saving money.

Hibernatingtilspring · 07/06/2025 19:02

@OldMcDonaldHadABigMac I don't know all the professions my wages are similar to what the OP gets, and the nurses and OTs that I work with, we're all on similar. They get shift allowance which bumps up the basic wage quite a lot.

TigerIamNot · 07/06/2025 19:01

Newdoggo · 07/06/2025 18:53

It's double what I get from working but why should the OP go out to work full time and get a carer paid for from the Government when she is the perfect choice to care for her DC - it's swings and roundabouts. It sounds tough OP, I hope you do manage to get some respite x

Newsflash - you cannot get carers to look after your disabled child so you can work. This is not how it works. The current systems on place force the parent to leave employment. There is no element of choice involved.

Hibernatingtilspring · 07/06/2025 19:00

@coco99 I do a similar job to your profession and it doesn't compare to the 24hr nature of caring for someone with a significant disability (I've worked in care roles too and that's tough for an 8hr shift!)

I can understand that on paper it seems like a lot of money to some but when you actually look at the overall household income and the additional living costs that come with having a disability it doesn't go very far at all

If anyone on this thread still worries that they're 'paying for someone else to be at home' - don't worry, unless you're in the top 10% of earners, you don't actually earn enough to pay anything more than what you'll take out in your own pension and NHS costs.