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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Do you think we should life the two child benefit cap?

758 replies

Marshmallow4545 · 11/11/2025 07:16

I believe that the majority of people think that the cap should remain and child poverty should be tackled in different ways.

Personally I would like to see children on FSMs allowed free access to after school extracurricular clubs and activities. I would also provide more poor families with access to food banks and would look to stock these with a range of healthy and nutritious options either through donation or state funding if required. I would also look to recruit volunteers to offer advice on health and diet in these places. I would provide clothing and school uniform banks with high quality, second hand clothing that kids would actually want to wear. I have some branded 'fashionable' stuff my kids have grown out of that's still in great condition that I would happily donate.

All of the above in my view is preferable to lifting the cap and would be more effective in tackling the impact that child poverty has on the child.

So AIBU that the two child cap should remain and we should look at other more direct ways to tackle child poverty?

OP posts:
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newusernamex1000 · 12/11/2025 14:01

Just to add, I also believe this should be 2 children per parent. So the dad cannot be having multiple babies to women who then have to rely on benefits.

LeastOfMyWorries · 12/11/2025 13:58

newusernamex1000 · 12/11/2025 13:53

No, we need the cap and I say that as a parent on UC.

I am an 80s baby from a council estate, I have seen numerous friends have baby after baby because they could.

I mean, my sister best mate keeps having children and she has 5, 4 disabled and she’s trying for her first son. She will never work.

So the cap isn't stopping her from having more and more children- so it literally, in your example, isn't working?

I don't know what the answer is I really don't.

Marshmallow4545 · 12/11/2025 13:57

LeastOfMyWorries · 12/11/2025 13:46

I don't know enough to answer fully- but the evidence that the money saved as a result of the cap, is subsequently spent in the health and justice systems as a result of poverty is compelling.

I'm not a high earner myself btw, I have also cut back over recent years just like everyone else, but I have also volunteered with children for the last ten years or so.

First thing I definitely would do is criminal charges of neglect for absent parents who refuse to pay towards their children, just as a resident parent would be subject to if they didn't feed or clothe their child. I would also count child maintenance income as income when awarding UC.

I haven't seen any compelling evidence that the two child cap will deliver effective savings to the health or justice systems. Any estimates tend to be based on a comparison between households currently living in poverty and those that aren't. The assumption is that if you can lift households out of poverty by handing the parents more money then the children will behave more like their non deprived peers and follow the same trends. It completely ignores other factors that cause households to use more health and justice related resources including cultural differences, education levels and attitudes. These factors don't magically disappear just because a household has more money. The link between deprivation and public sector resource use may in many ways be correlation as opposed to causation. You could easily increase spending and still end up with all the same problems. We already have evidence that imposing the cap did not worsen the educational outcome of children impacted. What makes you thinking lifting it will make any difference? There is more at play here than money.

I also volunteer with children and this is how I know so many families with different setups. There are some kids living on poverty that have fantastic lives. Their needs are met, they are doing well educationally and they are happy and healthy. Sadly I also know kids in the opposite situation. The difference isn't money and almost all of those in the former situation are from smaller families where the parents can devote what resources they do have on fewer kids. This isn't a coincidence

OP posts:
Ticklyoctopus · 12/11/2025 13:55

LeastOfMyWorries · 12/11/2025 13:46

I don't know enough to answer fully- but the evidence that the money saved as a result of the cap, is subsequently spent in the health and justice systems as a result of poverty is compelling.

I'm not a high earner myself btw, I have also cut back over recent years just like everyone else, but I have also volunteered with children for the last ten years or so.

First thing I definitely would do is criminal charges of neglect for absent parents who refuse to pay towards their children, just as a resident parent would be subject to if they didn't feed or clothe their child. I would also count child maintenance income as income when awarding UC.

But very often the men not paying (and it is usually men) are on benefits themselves.

newusernamex1000 · 12/11/2025 13:53

No, we need the cap and I say that as a parent on UC.

I am an 80s baby from a council estate, I have seen numerous friends have baby after baby because they could.

I mean, my sister best mate keeps having children and she has 5, 4 disabled and she’s trying for her first son. She will never work.

Nightlight8 · 12/11/2025 13:52

@leastofmyworries I don't think the first point of CMS should be classed as income. CMS firstly needs an over haul starting with getting the fathers to pay and provide yearly bank statements! Very few people are raking a decent amount of money through CMS if any money at all as it stands.

CMS do not count it as income (rightly so) because it's unreliable and often fluxuates. This would leave the mother and child/children at the detriment of the father choosing to pay or NOT...

the80sweregreat · 12/11/2025 13:47

The two child benefit cap seems popular and going by some remarks on other social media accounts I’ve seen today , lifting it isn’t popular at all. Especially as it seems other taxes are rising. What with this and the waspi women claims back in the news ( and the large black hole they have to sort out) the whole thing is a mess.

LeastOfMyWorries · 12/11/2025 13:46

Marshmallow4545 · 12/11/2025 13:34

That kind of approach would only work if we had infinite money and could keep throwing jelly at the wall until something sticks without anyone else losing out.

As things stand, we are in horrific debt. Interest alone is costing more than the entire education budget and Reeves is adding to the debt rapidly. She now needs to go back to struggling families to ask for yet more tax, partially to fund this. Other children may lose their homes and miss out on things to fund this. We have to be absolutely certain this is the right thing to do. Are you absolutely certain? Could you look another family in the eye who are having to make painful financial cut backs to find this and promise them it will all be worthwhile?

I don't know enough to answer fully- but the evidence that the money saved as a result of the cap, is subsequently spent in the health and justice systems as a result of poverty is compelling.

I'm not a high earner myself btw, I have also cut back over recent years just like everyone else, but I have also volunteered with children for the last ten years or so.

First thing I definitely would do is criminal charges of neglect for absent parents who refuse to pay towards their children, just as a resident parent would be subject to if they didn't feed or clothe their child. I would also count child maintenance income as income when awarding UC.

nearlylovemyusername · 12/11/2025 13:39

PP on here explained really well how child poverty is estimated.

So what Labour want to do is to remove the cap and increase taxes on higher earners. Your median level goes down, income of large families going slightly up. Magic - vast number of children are lifted out of poverty.

Did it help those children who did need help? most likely not. Did it take away from those currently better off children - absolutely. So all looks great on a paper, but the net result is worse or the same.

Andanotherplease · 12/11/2025 13:34

Perhaps UC should fund 100% of childcare then not up to 85% plus have an additional element for SEN childcare / respite if those parents want to work ?

Marshmallow4545 · 12/11/2025 13:34

LeastOfMyWorries · 12/11/2025 13:29

All society can do is try, and keep trying, to improve outcomes for children. Lifting the cap can be one of many measures as part of this.

Putting the cap in place didn't work.

That kind of approach would only work if we had infinite money and could keep throwing jelly at the wall until something sticks without anyone else losing out.

As things stand, we are in horrific debt. Interest alone is costing more than the entire education budget and Reeves is adding to the debt rapidly. She now needs to go back to struggling families to ask for yet more tax, partially to fund this. Other children may lose their homes and miss out on things to fund this. We have to be absolutely certain this is the right thing to do. Are you absolutely certain? Could you look another family in the eye who are having to make painful financial cut backs to find this and promise them it will all be worthwhile?

OP posts:
LeastOfMyWorries · 12/11/2025 13:29

Ticklyoctopus · 12/11/2025 13:21

What happens if they lift the cap and children are ‘still in poverty’ a couple of years down the line, with outcomes no better?

All society can do is try, and keep trying, to improve outcomes for children. Lifting the cap can be one of many measures as part of this.

Putting the cap in place didn't work.

TheaBrandt1 · 12/11/2025 13:26

That’s my concern tickly. That our welfare social net society is abused by some. It’s very hard to comment without straying into some dark places / eugenics which makes this very difficult to deal with.

How sad that a system set up to help those in genuine need through no fault of their own is abused in this way. The risk is the tax payer is pushed too far and there is a backlash then the genuine claimants will suffer.

OnlyTheBravest · 12/11/2025 13:23

Before the cap there were children who were still in poverty. It's not about handing out money but rather what is being done with the money because there are no checks being conducted on what is being done with the money, more is handed out. It is an unsustainable model. At some point we have to say stop and look more deeply into how to realistically solve the issue of child poverty including increased responsibility from parents.

Marshmallow4545 · 12/11/2025 13:23

Ticklyoctopus · 12/11/2025 13:21

What happens if they lift the cap and children are ‘still in poverty’ a couple of years down the line, with outcomes no better?

They won't be in poverty because by giving the household money you by default increase the household income to a point where they will be considered outside the measure. The fact these children's lives haven't actually changed or nor have their outcomes doesn't seem to bother some people

OP posts:
Ticklyoctopus · 12/11/2025 13:21

LeastOfMyWorries · 12/11/2025 13:20

I agree with this.

The cap has done nothing but mean more children are in poverty and I think there is evidence to show it doesn't actually even save any money, once additional costs in the health, education and justice systems are accounted for as a result of the higher poverty numbers.

What happens if they lift the cap and children are ‘still in poverty’ a couple of years down the line, with outcomes no better?

LeastOfMyWorries · 12/11/2025 13:20

HappyGilmorex · 11/11/2025 07:31

Experts (see CPAG) are generally agreed that the most cost effective immediate measure for reducing child poverty is the removal of the two child cap. I can't think of many things I'd rather my considerable tax contributions be spent on than lifting children out of poverty, so I am in favour.

Your solutions are odd, showing a strong preference for children in poverty being given hand-me-downs and charity. But children's own parents are, in the majority of cases, the ones who know what their children need, and giving them the money directly allows them to provide those things, and with much less social stigma. For instance you think a solution to child poverty might be food banks stocked with nutritious and healthy food, but does that take into account families where there is insufficient money to run an oven for any length of time, or where both parents are in work and would struggle to find the time to go to a food bank, or families with neurodivergent children who will only eat certain specific foods?

There is nothing to stop you donating your children's clothes to charities if you wish, I do so all the time.

I agree with this.

The cap has done nothing but mean more children are in poverty and I think there is evidence to show it doesn't actually even save any money, once additional costs in the health, education and justice systems are accounted for as a result of the higher poverty numbers.

2Rebecca · 12/11/2025 13:19

People are free to have more than 2 children if they want despite the environmental disadvantages but they should not expect others to financially support this decisions.

Ticklyoctopus · 12/11/2025 13:17

Onethreefiveseven · 12/11/2025 13:12

I'm pleased to see that this abhorrent post got deleted. Imagine having that kind of an attitude towards disabled children. My respect to those who answered it with composure.

I know there are people in this thread who support keeping the child benefit cap, and that’s a legitimate policy view to discuss. I would invite those of you who share that stance to come forward and make it clear that you do not agree with the ableist and discriminatory remarks made by that poster. I'm aware that one of two have done so already.

I’m disabled myself and certainly not ableist but we can’t pretend that some families are not absolutely rinsing the taxpayer while continuing to have children with a very high likelihood of SEN. I used to follow one woman on Insta who had 4 children, 2 diagnosed with ASD/ADHD, both on DLA, she was ‘fighting’ for a diagnosis for a third and didn’t work. In total she was getting:

  1. A taxpayer funded 4 bedroom house (on account of the fact her kids are disabled and can’t share)
  2. UC and 2 lots of high rate DLA - so around £3000 per month in benefits, if not more, including CB
  3. 1 child in SEN school with taxis. Through my work I know this would cost approx 100k a year

A conservative estimate would be a taxpayer bill of £250,000 a year, to house and educate and feed her and her kids. The youngest is quite little and I wouldn’t be surprised if she has more.

For context, probably 20 people are working full time to fund her. I find it very hard and even galling that posters would see more kids as her ‘right’

Julen7 · 12/11/2025 13:17

verybighouseinthecountry · 12/11/2025 13:01

No you can't just simply opt out of working, but there are ways around it if you really don't want to. Handing in sick notes for 12 weeks at a time, and the applications for PIP soared when the roll out to UC became active and women (or primary carers) were given work commitments once their youngest child turned 3.

Exactly. Hand in sick notes for 12 weeks, have a phone call to UC to get put onto LCWRA, stay on LCWRA for the long haul as it’s never reviewed. Job done.

Kirbert2 · 12/11/2025 13:16

NotEnoughKnittingTime · 12/11/2025 13:12

Well isn't it more likely that you will have one or two children with SEN the more children you have?

Autism/ADHD etc can be genetic so it would make perfect sense to me if a family had say, 3 children and 2 had Autism/ADHD or even all 3.

Especially if one or both parents are also Autistic and/or have ADHD.

Marshmallow4545 · 12/11/2025 13:14

Onethreefiveseven · 12/11/2025 13:12

I'm pleased to see that this abhorrent post got deleted. Imagine having that kind of an attitude towards disabled children. My respect to those who answered it with composure.

I know there are people in this thread who support keeping the child benefit cap, and that’s a legitimate policy view to discuss. I would invite those of you who share that stance to come forward and make it clear that you do not agree with the ableist and discriminatory remarks made by that poster. I'm aware that one of two have done so already.

I think it can be assumed that posters don't agree with the sentiment of that post unless they express otherwise. It's like asking people to confirm they're not racist, sexist etc just because they don't want the cap lifted.

OP posts:
NotEnoughKnittingTime · 12/11/2025 13:12

verybighouseinthecountry · 12/11/2025 13:08

This is absolutely my experience too and I say this as someone who is on long term benefits with a disabled child. I now live in a very deprived area and volunteer in the local school, where there are a number of local families with 3+ DC and at least one of their DC has either ADHD and/or autism. They will be getting several sets of DLA on top of their uncapped benefits but yet sadly I don't think the educational/social outcomes will be any better for the family as a whole.

Well isn't it more likely that you will have one or two children with SEN the more children you have?

Ticklyoctopus · 12/11/2025 13:12

verybighouseinthecountry · 12/11/2025 13:08

This is absolutely my experience too and I say this as someone who is on long term benefits with a disabled child. I now live in a very deprived area and volunteer in the local school, where there are a number of local families with 3+ DC and at least one of their DC has either ADHD and/or autism. They will be getting several sets of DLA on top of their uncapped benefits but yet sadly I don't think the educational/social outcomes will be any better for the family as a whole.

Yes other posters won’t believe us but there are loads of families like this! Think how many posts on here there are where every single child has a diagnosis - in fact I’m quite surprised if there are, for example, 3 kids and only 1 with SEN

Onethreefiveseven · 12/11/2025 13:12

myglowupera · 11/11/2025 12:59

Because it’s still an ok thing to do to have another child after having one with additional needs? Only the family in question can accurately decide if it’s what is best for them. I don’t think we need to be putting blanket bans on new babies just because they have an older sibling who has a disability.

The child I had after DS2 isn’t disabled and the child I before him isn’t disabled. And when I had my 4th (who wasn’t planned) we were in a good place because DS2 was in school, thriving and happy, and so I felt ok having this unexpected baby. She is also doing very well.

Edited

I'm pleased to see that this abhorrent post got deleted. Imagine having that kind of an attitude towards disabled children. My respect to those who answered it with composure.

I know there are people in this thread who support keeping the child benefit cap, and that’s a legitimate policy view to discuss. I would invite those of you who share that stance to come forward and make it clear that you do not agree with the ableist and discriminatory remarks made by that poster. I'm aware that one of two have done so already.

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