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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:
OldMcDonaldHadABigMac · 07/06/2025 18:59

coco99 · 07/06/2025 18:50

@OldMcDonaldHadABigMacI’m actually a qualified mental health nurse, and hopefully one day I can go back to my career when my son is in full-time school.

Like I say it must be tough and I wouldn't begrudge you it. I hope you've checked and are getting all you're entitled to, carers wise, to give you a bit of a break now and then.

OldMcDonaldHadABigMac · 07/06/2025 18:57

Hibernatingtilspring · 07/06/2025 18:49

Not necessarily more. More than a newly qualified. However any of those people would be working 37 hours a week. If they wanted to do bank shifts every evening, night and weekend like the OP has to do, they could more than double it (not that it would be allowed due to health and safety reasons)

It's also important to remember that most of the OPs benefits would be taken off her if she had a partner who worked (the carers allowance and DLA would still apply)

No, it's actually more than ones at the top of their banding, which is a salary of £37,796. Once the mandatory tax and NI is taken off, their salary is actually less than the OP. Like I say though, I don't begrudge her it, I would choose for my child to be healthy as opposed to having any challenges any day and I'm sure the OP would as well.

SnapAndFartAllDayLong · 07/06/2025 18:57

Jesus Christ some of the comments on here are vile. The OP has a severely disabled child, what do you expect her to do, leave child alone and go and work. Some people really don’t understand what having a severely disabled child entails. Ignore the comments OP and carry on raising your child the best way you can. I certainly do not begrudge you for getting benefits!

RafaistheKingofClay · 07/06/2025 18:57

Allseeingallknowing · 07/06/2025 18:17

Of course not! I am merely saying that is a lot of money, and anyone working full time and not getting anywhere near that ( like the PP) is understandably questioning that amount! Didn’t Ian Duncan Smith say that no one should be getting more in benefits than at work?
I replied that we don’t know all the details - what else is there to say?

Often if you don’t know all the details it is best not to comment at all. Better to remain silent and be thought a fool and all that…

Sammyspurs · 07/06/2025 18:56

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PinkFrogss · 07/06/2025 18:55

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

You don’t need to know all the details to understand to be entitled to that rate of DLA OP’s child is severely disabled. I doubt OP is rolling in it at all

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

Avantiagain · 07/06/2025 18:52

"Of course not! I am merely saying that is a lot of money, and anyone working full time and not getting anywhere near that ( like the PP) is understandably questioning that amount!."

The OP is working full time. Which you would understand if you had had the same role but I'm guessing you never have.

RafaistheKingofClay · 07/06/2025 18:52

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Quit then.

coco99 · 07/06/2025 18:51

@HibernatingtilspringYes I get more because I’m a solo parent x

OP posts:
Sammyspurs · 07/06/2025 18:51

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People like you give women (presuming you are one) a bad name. Don’t be so judgemental. They’re obviously getting the higher rate care allowance because their child needs it. I’m sure they’d love to be able to have a ‘normal life’ over a disabled child any day. This is not the time nor place to be jealous of someone’s position they find themselves in.

coco99 · 07/06/2025 18:50

@OldMcDonaldHadABigMacI’m actually a qualified mental health nurse, and hopefully one day I can go back to my career when my son is in full-time school.

OP posts:
Hibernatingtilspring · 07/06/2025 18:49

OldMcDonaldHadABigMac · 07/06/2025 18:44

I mean it's more than a qualified, registered nurse/physio/occupational therapist etc makes working full time for the NHS. I don't begrudge the OP it though, if her child has a severe disability then it must be tough.

Not necessarily more. More than a newly qualified. However any of those people would be working 37 hours a week. If they wanted to do bank shifts every evening, night and weekend like the OP has to do, they could more than double it (not that it would be allowed due to health and safety reasons)

It's also important to remember that most of the OPs benefits would be taken off her if she had a partner who worked (the carers allowance and DLA would still apply)

OldMcDonaldHadABigMac · 07/06/2025 18:44

Hibernatingtilspring · 07/06/2025 17:57

@charliehungerford presumably the OP will be getting that as a lone parent to a disabled child. 46k as the income for the entire household isn't very much at all - it's the equivalent of two parents earning less than minimum wage.

I mean it's more than a qualified, registered nurse/physio/occupational therapist etc makes working full time for the NHS. I don't begrudge the OP it though, if her child has a severe disability then it must be tough.

Hibernatingtilspring · 07/06/2025 18:42

For those who think it's too much, if the OP couldn't care for her child, and they had to come into the care system, the cost of a children's home for them would be in the ball park of 30k a month upwards. And that wouldn't be for anything amazing, that would be for a staff team paid not much more than minimum wage.

For a child receiving that level of DLA, there's no chance of the OP being able to work. Caring for her child is her full time 24hr job.

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

PinkFrogss · 07/06/2025 18:38

Allseeingallknowing · 07/06/2025 18:17

Of course not! I am merely saying that is a lot of money, and anyone working full time and not getting anywhere near that ( like the PP) is understandably questioning that amount! Didn’t Ian Duncan Smith say that no one should be getting more in benefits than at work?
I replied that we don’t know all the details - what else is there to say?

So you think OP and her disabled child should try to live off of less than full time minimum wage?

Mademetoxic · 07/06/2025 18:37

MrJollyLivesNextDoor · 07/06/2025 18:17

Looks like they’d better try having a disabled child instead then, that way they would be entitled to the level of benefits that OP receives and would have no need for bitterness or jealously

Everyone has their own issues. For all you know the lady in question could have a disability herself, yet isn't eligible for anything.
Life isn't always greener working.

anothermnuser123 · 07/06/2025 18:33

I mean how to say you have zero clue about disabilities with some of the comments on this thread. People have no clue what it is like caring for a severely disabled child, its 24/7 and its full on and quite honestly the money given probably isnt enough because again the expenses that come along with most disabilities will be bonkers. You just have to look at the price of some equipment needed without extra day to day costs (certain food, extra electric for machines etc).

It genuinely baffles me how clueless some people are on the day to day issues that dealing with disabilities entails. They just see numbers and get jealous like its anything to get remotely jealous over, some people really should be made to live a week in others shoes before they talk such crap honestly!

dollyblue01 · 07/06/2025 18:30

I’d rather have the choice of a healthy child and work, she has no choice and doesn’t set the rules, yes it’s a lot but the child will need extra things for the fact that they are disabled.

Lostuser · 07/06/2025 18:28

threads like this always bring the ignorants out! What you fail to realise is a lot of of the benefits that people are receiving go to pay for private carers, activities, special arrangements for travel etc Things that local health authorities won’t or can’t pay for. I very much doubt the OP is living the high life.

coco99 · 07/06/2025 18:27

KindleAndCake · 07/06/2025 18:23

OP I'm sorry you're having to go through this, ignore the ignorant Flowers

Aw It’s okay, honestly I’m not surprised 😂 people can bash all they like, it’s not my fault how much the government sets for certain type of benefits, but if they were in my shoes and couldn’t work due to being a full time carer then I’m sure they’d claim what they’re entitled to as well 🤷🏼‍♀️ not to mention the DLA is my disabled child’s money

OP posts:
KindleAndCake · 07/06/2025 18:23

OP I'm sorry you're having to go through this, ignore the ignorant Flowers

x2boys · 07/06/2025 18:23

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I have a severely disabled child who will always need 1:1 care we get a significant amount in benefits for him wanna swop ?
Nah I didn't think so 🙄

MaySea · 07/06/2025 18:22

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.

I do agree with this and if our housing market weren't so messed up it wouldn't be the case. I used to get just over £2k in benefits, almost half of that was my rent. I also had friends who lived in social housing whose rents were 30% higher than mine is in a private rental for the same size property. We REALLY need decent, genuinely affordable housing.