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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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Ticklyoctopus · 12/11/2025 13:10

Marshmallow4545 · 12/11/2025 13:07

To be honest, I imagine in lots of these families that you describe that the parents probably are SEN too as we know there is often a strong genetic component and this is probably impacting their decision making process. Either way I don't think just handing these parents extra money and assuming they have the motivation or capacity to use it to tackle the disadvantages that a child living in poverty would ordinarily face is a huge leap of faith. They clearly aren't able to put their children first in their family planning decisions so why would they suddenly start doing it now?

Well, exactly.

Many on them are getting 1500 in DLA alone. Yet they’re online starting Gofundmes and begging for free items.

verybighouseinthecountry · 12/11/2025 13:08

Ticklyoctopus · 12/11/2025 13:02

If I’m being honest as I said in my last post, the families this policy will target are very very likely to have ‘disability’ at play anyway. I know loads of families with 3+ kids, where at least 1 child has SEN and claims DLA, the parents either don’t work or 1 works and they ‘top up’ and they continue to have more DC regardless. In fact I can think of a good handful where all the children have some kind of diagnosis, ‘SEN needs’ and DLA and this doesn’t seem to have put the parents off having more kids at all.

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.

Marshmallow4545 · 12/11/2025 13:07

Ticklyoctopus · 12/11/2025 13:02

If I’m being honest as I said in my last post, the families this policy will target are very very likely to have ‘disability’ at play anyway. I know loads of families with 3+ kids, where at least 1 child has SEN and claims DLA, the parents either don’t work or 1 works and they ‘top up’ and they continue to have more DC regardless. In fact I can think of a good handful where all the children have some kind of diagnosis, ‘SEN needs’ and DLA and this doesn’t seem to have put the parents off having more kids at all.

To be honest, I imagine in lots of these families that you describe that the parents probably are SEN too as we know there is often a strong genetic component and this is probably impacting their decision making process. Either way I don't think just handing these parents extra money and assuming they have the motivation or capacity to use it to tackle the disadvantages that a child living in poverty would ordinarily face is a huge leap of faith. They clearly aren't able to put their children first in their family planning decisions so why would they suddenly start doing it now?

OP posts:
Ticklyoctopus · 12/11/2025 13:02

Marshmallow4545 · 12/11/2025 12:44

I think disability is a bit of a red herring in a way. It's all about the decision to have three or subsequent children. Really in this day and age and in this economy very few of us can do this without taking a huge financial risk.

Disability or illness could strike any of us or our children at anytime. We could get fired from our job or lose a business through no fault of our own and be out of work for years and potentially never earn what we once did. You need a hell of a lot of financial backing before having a third, fourth etc child is a sensible thing to do. More to the point, I absolutely believe that in this day and age most families have to juggle so much more time and a energy wise. It is a very brave family indeed that feels that they can definitely give enough of these things to lots of children whilst financially supporting everyone.

If I’m being honest as I said in my last post, the families this policy will target are very very likely to have ‘disability’ at play anyway. I know loads of families with 3+ kids, where at least 1 child has SEN and claims DLA, the parents either don’t work or 1 works and they ‘top up’ and they continue to have more DC regardless. In fact I can think of a good handful where all the children have some kind of diagnosis, ‘SEN needs’ and DLA and this doesn’t seem to have put the parents off having more kids at all.

verybighouseinthecountry · 12/11/2025 13:01

Andanotherplease · 12/11/2025 12:08

It’s impossible to just choose not to work on UC - you can’t choose to and just get benefits there are work commitments and sanctions if you don’t look for work and get work. The only exceptions are LCWRA and if a parent is a carer? It’s not some easy choice that’s allowed if you just don’t fancy working !

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.

Kirbert2 · 12/11/2025 13:00

Andanotherplease · 12/11/2025 12:37

They are ruthless and I don’t think people realise this. There’s no option to just choose to not work if you don’t fancy it that’s not allowed ! We had similar still had to attend meetings whilst waiting months for dla application to be processed.

Yep.

I had a very helpful work coach ask if I couldn't just get a cleaning job in the meantime to make things easier. Make things easier for who exactly?

They only slightly eased up when the hospital wrote them a strongly worded letter because I was beside myself with stress already and them hounding me was tipping me over the edge. It was the last thing I needed, especially during that time.

Zitroneneis · 12/11/2025 13:00

HJ0 · 12/11/2025 12:09

The issue is just so complex. I saw a clip from a channel 4 documentary on it recently and it was heartbreaking. So many single parents who were fine and had jobs in a better economy when they decided to have children. Then a spouse got sick. They lost their job. A spouse died. They got divorced and the ex won't pay child support. But on the other hand there was a lady complaining about how her council housing was too small for her family yet she was pregnant with another on the way. Is that a good choice? The children did not ask for this. They are not at fault. They should not have to live in poverty. Of course this is true but at the same time, to be blunt, I don't want to be taxed even more to pay for this. I feel the solution to most of these problems is to look up at the people/ companies/ corporations ludicrously hoarding wealth and paying workers poorly. They should be paying better wages with better worker benefits as well as being taxed more to help with this.

If you understood a little more about economics then you wouldn’t suggest raising employment costs and taxes EVEN more for UK companies.

OnlyTheBravest · 12/11/2025 12:51

This is not about supporting disabled children(which is not effected by the policy), it is about having more than 2.
And more importantly attaching the appropriate responsibility to having more than 2. Absolutely no one is saying do not have more than 2 but just think about what it entails beforehand.

E.g. get married, have the appropriately sized house, take out life insurance, boost savings

Marshmallow4545 · 12/11/2025 12:44

I think disability is a bit of a red herring in a way. It's all about the decision to have three or subsequent children. Really in this day and age and in this economy very few of us can do this without taking a huge financial risk.

Disability or illness could strike any of us or our children at anytime. We could get fired from our job or lose a business through no fault of our own and be out of work for years and potentially never earn what we once did. You need a hell of a lot of financial backing before having a third, fourth etc child is a sensible thing to do. More to the point, I absolutely believe that in this day and age most families have to juggle so much more time and a energy wise. It is a very brave family indeed that feels that they can definitely give enough of these things to lots of children whilst financially supporting everyone.

OP posts:
Andanotherplease · 12/11/2025 12:37

Kirbert2 · 12/11/2025 12:31

Don't they just.

Before my son's DLA came through, I was still hounded by them to look for work despite the fact that my son was in hospital at the time.

They are ruthless and I don’t think people realise this. There’s no option to just choose to not work if you don’t fancy it that’s not allowed ! We had similar still had to attend meetings whilst waiting months for dla application to be processed.

Kirbert2 · 12/11/2025 12:31

Andanotherplease · 12/11/2025 12:19

Yes which are genuine cases where they can’t work for specific reasons. It’s just this thread seems to have the attitude that there are some families choosing to not work without any factors such as illness or caring - and that’s not possible- UC come down hard on work commitments and sanctions.

Don't they just.

Before my son's DLA came through, I was still hounded by them to look for work despite the fact that my son was in hospital at the time.

Kirbert2 · 12/11/2025 12:26

This reply has been deleted

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

If you are on UC and get carers allowance, UC deducts that payment from your UC payment. You can still apply for it but you don't receive your full payment of UC AND carers allowance on top.

It also isn't always obvious that a child is disabled/has SEN and remember that not all children are born disabled, sometimes it can happen later in life due to accidents/illnesses.

Andanotherplease · 12/11/2025 12:19

Julen7 · 12/11/2025 12:16

I am sure there are multiple factors why we have this ever increasing number but I’m just pointing out that actually on UC there are quite a number not working due to sickness and caring responsibilities.

Yes which are genuine cases where they can’t work for specific reasons. It’s just this thread seems to have the attitude that there are some families choosing to not work without any factors such as illness or caring - and that’s not possible- UC come down hard on work commitments and sanctions.

Julen7 · 12/11/2025 12:16

Andanotherplease · 12/11/2025 12:12

I’m aware of that. It’s almost as if we have a health service not fit for purpose where minor illnesses that could be treated and improved early deteriorate to the the point they are disabling, that CAMHS is useless so young people dont get MH or ND diagnoses and support in a timely way and that small issue of a global pandemic and long covid and related issues.

I am sure there are multiple factors why we have this ever increasing number but I’m just pointing out that actually on UC there are quite a number not working due to sickness and caring responsibilities.

nearlylovemyusername · 12/11/2025 12:16

This reply has been deleted

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EasternStandard · 12/11/2025 12:15

nearlylovemyusername · 12/11/2025 12:08

do these poor people you're talking about have two kids or more? if more, why?

Many parents are limited by finances when it comes to how many dc they can have. It’s a reality that means it’s one or two dc.

Andanotherplease · 12/11/2025 12:12

Julen7 · 12/11/2025 12:09

But there are over 4 million on LCWRA

I’m aware of that. It’s almost as if we have a health service not fit for purpose where minor illnesses that could be treated and improved early deteriorate to the the point they are disabling, that CAMHS is useless so young people dont get MH or ND diagnoses and support in a timely way and that small issue of a global pandemic and long covid and related issues.

Julen7 · 12/11/2025 12:12

CorneliaCupp · 12/11/2025 12:01

I think our main point of disagreement is that I don't think that people are poor because they are irresponsible or too stupid to use their money responsibly. It is so much more complex than that. No doubt that is the case in some instances (as it is in wealthier families, it's just more socially acceptable there.) The poor families I know are trying their absolute best to provide the best lives that they are able to for their families. They don't need to be treated like they've done something wrong, which seems to be the prevailing belief on this thread.
Life is tough for lots of people, but we have reasonable evidence from experts to say that getting rid of the cap will make life a little bit easier for this group of people. I can't really see the argument for not doing it.

The argument against is the country can’t afford it.

CorneliaCupp · 12/11/2025 12:12

nearlylovemyusername · 12/11/2025 12:08

do these poor people you're talking about have two kids or more? if more, why?

Some do, some don't. I didn't ask why.

Marshmallow4545 · 12/11/2025 12:10

CorneliaCupp · 12/11/2025 12:01

I think our main point of disagreement is that I don't think that people are poor because they are irresponsible or too stupid to use their money responsibly. It is so much more complex than that. No doubt that is the case in some instances (as it is in wealthier families, it's just more socially acceptable there.) The poor families I know are trying their absolute best to provide the best lives that they are able to for their families. They don't need to be treated like they've done something wrong, which seems to be the prevailing belief on this thread.
Life is tough for lots of people, but we have reasonable evidence from experts to say that getting rid of the cap will make life a little bit easier for this group of people. I can't really see the argument for not doing it.

I agree about poverty in general. I do think someone having more than two children when they live in poverty is where the questions of judgement and responsibility really starts to crop up.

The arguments against lifting it are obvious. Someone somewhere pays for it and it's often families with not a lot themselves who have responsibily chosen to limit their own family size. Even those on benefits may feel penalised for having a smaller family and not having access to all the multiples of child UC that larger families get. There is only so much to go around and the people paying for it aren't necessarily rich.

There is also the question of what we are trying to do with the money. Child poverty is a crude financial measure. It doesn't reflect the experience of the child and how much their basic needs are being met. We need to focus on these things, not the financial measure of poverty. We need to make sure the money is benefitting the children and not just enriching crap parents. There are crap parents in every part of society but most won't be tax payer funded to this extent and incentivised to have more and more kids.

OP posts:
Andanotherplease · 12/11/2025 12:10

NotEnoughKnittingTime · 12/11/2025 12:08

Or if one half of a couple earn enough.

Yes that too! And in a lot of cases with SEN children this is the case where one parent works the other is a carer and they get a UC top up - often it’s impossible to access childcare of a child has severe SEN so these families need a SAHP.

HJ0 · 12/11/2025 12:09

The issue is just so complex. I saw a clip from a channel 4 documentary on it recently and it was heartbreaking. So many single parents who were fine and had jobs in a better economy when they decided to have children. Then a spouse got sick. They lost their job. A spouse died. They got divorced and the ex won't pay child support. But on the other hand there was a lady complaining about how her council housing was too small for her family yet she was pregnant with another on the way. Is that a good choice? The children did not ask for this. They are not at fault. They should not have to live in poverty. Of course this is true but at the same time, to be blunt, I don't want to be taxed even more to pay for this. I feel the solution to most of these problems is to look up at the people/ companies/ corporations ludicrously hoarding wealth and paying workers poorly. They should be paying better wages with better worker benefits as well as being taxed more to help with this.

Julen7 · 12/11/2025 12:09

Andanotherplease · 12/11/2025 12:08

It’s impossible to just choose not to work on UC - you can’t choose to and just get benefits there are work commitments and sanctions if you don’t look for work and get work. The only exceptions are LCWRA and if a parent is a carer? It’s not some easy choice that’s allowed if you just don’t fancy working !

But there are over 4 million on LCWRA

NotEnoughKnittingTime · 12/11/2025 12:08

Andanotherplease · 12/11/2025 12:08

It’s impossible to just choose not to work on UC - you can’t choose to and just get benefits there are work commitments and sanctions if you don’t look for work and get work. The only exceptions are LCWRA and if a parent is a carer? It’s not some easy choice that’s allowed if you just don’t fancy working !

Or if one half of a couple earn enough.

nearlylovemyusername · 12/11/2025 12:08

CorneliaCupp · 12/11/2025 12:01

I think our main point of disagreement is that I don't think that people are poor because they are irresponsible or too stupid to use their money responsibly. It is so much more complex than that. No doubt that is the case in some instances (as it is in wealthier families, it's just more socially acceptable there.) The poor families I know are trying their absolute best to provide the best lives that they are able to for their families. They don't need to be treated like they've done something wrong, which seems to be the prevailing belief on this thread.
Life is tough for lots of people, but we have reasonable evidence from experts to say that getting rid of the cap will make life a little bit easier for this group of people. I can't really see the argument for not doing it.

do these poor people you're talking about have two kids or more? if more, why?

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