AIBU to claim UC with a 'high' income

For many, DLA/PIP alone does not cover the cost of disability related expenses. According to Scope’s latest disability price tag research, disabled households need an extra £1,095 each month on average to have the same standard of living as non-disabled households.

You actually can as long as you don't live with them and there's an actual proper legal tenancy agreement with the rent being paid just as it would be to any other landlord. They would most likely do a lot of checks on a situation like this.

This is crazy I agree. I think most voters whether right or left would agree this needs sorting. A huge amount of benefits spend going straight to landlords. Bad enough when it’s some local guy, but this is quickly changing now Lloyds bank and others have created Private Rental Companies (Sitra). So now the taxpayer is funnelling money to banks via benefits, which benefit no actual person as that person never sees the money.

Can anyone answer me this, if someone say, has a wealthy landlord mother or father, and their own children under 3, can they move to their mother or father’s rental house and claim UC for the rent? This is obviously immoral but is it illegal, does it count as benefit fraud? As that individual would essentially get the equity paid through UC via their inheritance? This seems like an obvious loophole to me, how removed do you have to be from a landlord to claim housing element?

(No personal skin in the game btw! Not my situation at all)

How? Genuinely don't understand?! How would you be eligible? How much do you get? TIA!

If benefits are so high, why are 31% of kids in the UK living in poverty?

This is crazy I agree. I think most voters whether right or left would agree this needs sorting. A huge amount of benefits spend going straight to landlords. Bad enough when it’s some local guy, but this is quickly changing now Lloyds bank and others have created Private Rental Companies (Sitra). So now the taxpayer is funnelling money to banks via benefits, which benefit no actual person as that person never sees the money.

Can anyone answer me this, if someone say, has a wealthy landlord mother or father, and their own children under 3, can they move to their mother or father’s rental house and claim UC for the rent? This is obviously immoral but is it illegal, does it count as benefit fraud? As that individual would essentially get the equity paid through UC via their inheritance? This seems like an obvious loophole to me, how removed do you have to be from a landlord to claim housing element?

(No personal skin in the game btw! Not my situation at all)

But looking at the screenshot provided by the OP previously and assuming the calculations were based on 2 children because I don't think the calculators are there yet for when the 2 child cap is lifted, it shows £1550 for children which includes childcare costs. The current amount for child element for 2 is £585 which means childcare is £965. And the deduction for salary is £1633 which means the earned income is either less than the estimated £68k or there are substantial pension contributions because UC use net income not gross. I could do the calculation again but I'm tired 😂

After reading this I have reached peak-benefit and I am done with peoples noses in the trough when they should be working or living within their means or just having one or two DC like the prudent rest of us.

Of course, go ahead and claim what you are entitled to.

Since you and others are getting money for free, you can pick up the slack for donations to the food banks, toy donations and for the homeless from now.

Fair enough.

Anyone else wonder about all this universal credit paid to landlords through rent? It must be a HUGE amount. Lots of private equity and banks are becoming mega landlords, so we're effectively transferring huge amounts of taxpayer cash to billionaires. I'm actually more concerned about my tax going offshore to billionaires, than to disabled or hungry kids...

Not everyone lives in England. Most children in Scotland are in nursery until 5 or almost 5.

You should do it

Four year old at school, no?

That's not far fetched if the 4 year old is in nursery and the older 2 go to before/after school care

Next time the Tories get in and after a few years people start moaning and questioning why anyone would vote Tory...

This is why people vote Tory.

Anyone else wonder about all this universal credit paid to landlords through rent? It must be a HUGE amount. Lots of private equity and banks are becoming mega landlords, so we're effectively transferring huge amounts of taxpayer cash to billionaires. I'm actually more concerned about my tax going offshore to billionaires, than to disabled or hungry kids...

Having plugged in the numbers, we'd be better off if I dropped a day at work.

We do have savings just over £16k but these would pay off the remaining mortgage which it seems is an acceptable use.

I find it mind boggling.

I'm not going to do it but it's insane. I could be mortgage free, work less and still have the same at the end of the month. The system is goosed

You've put £1200 odd for childcare per month for an 8,6, and 4 yr old... Skewed the figures

Take home monthly pay for £68k salary after tax and NI - £4166 (but could be less if there are pension contributions)

Single over 25 Element - £400.14
Child element x 2 - £585.62 (will increase to 3 in April so add another £292.81 at current rates)
Childcare - £1275 (as they pay 85% of the actual costs up to a maximum of £1768.94 if 2 or more children are in childcare which includes after school etc)

Total UC before wage deductions - £2260.76

Take the £4166 of income. Deduct £684 as no housing costs. This makes £3482. Multiply this by 0.55. This makes £1915.10 which is the amount deducted from the total UC award.

This leaves a UC payment of £345.66.