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AIBU?

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AIBU to claim UC with a 'high' income

444 replies

Loriclimbs · 28/11/2025 19:15

I am very conflicted about lifting the two-child cap. I know many would benefit from it but it would lead us back to more abuse of the system. I, however, have three children myself. I have gratefully received UC in the past but as my income has grown I am currently no longer eligible.

With the addition of my youngest child, I will now be eligible for approximately £200 per month. I an a higher rate tax payer abd Icurrently pay over £1200 in income tax alone per month. I have to repay the majority of the child benefit I receive.

AIBU to claim what I am entitled to?

OP posts:
Thread gallery
5
Coffeeandbooks88 · 30/11/2025 13:25

Monty34 · 30/11/2025 10:58

If you can afford not to then don't.
Because the Government say you can doesn't mean you should.
The whole system makes people dependent on so much. With little incentive to not be so.

If being eligible means you can have £150 off your heating bill like I have why wouldn't you?

Coffeeandbooks88 · 30/11/2025 13:20

celticprincess · 30/11/2025 12:50

Wow where has it said this. I’ve a 13 and 16 year old at school. Get UC but earn too much for free meals. Oldest now gets the post 16 bursary so school do credit their account but still paying for meals for youngest. This would potentially make the school eligible for claiming pupil premium for them too?? Would also mean I’d get music lessons free as those on free meals get trips and extra curricular free as well.

It was a few months ago. I am not sure if they would get pupil premium or free music lessons but all pupils whose parents claim UC will get free school dinners from September next year (in England). This will save me about £50 a month.

bdhshahshvs · 30/11/2025 13:15

I’m completely confused by this. After reading some of these comments I’ve just rerun a benefits calculator for our own circumstances.

I’ve run it in the past out of curiosity and it’s always said we aren’t entitled to any UC. I’ve just rerun it for our current situation and it’s saying we are entitled to a small amount of UC??!

I’m completely baffled by this. We do have more than 2 children but I used the entitled to calculator and that doesn’t appear to yet take into account the changes to the two children rules as it told me
in multiple places that these rules would apply to me.

Are these calculators not that accurate or something?

celticprincess · 30/11/2025 12:50

BettysRoasties · 28/11/2025 19:30

As a reminder. As of September all children whose parents get universal credit will also get free school meals.

Wow where has it said this. I’ve a 13 and 16 year old at school. Get UC but earn too much for free meals. Oldest now gets the post 16 bursary so school do credit their account but still paying for meals for youngest. This would potentially make the school eligible for claiming pupil premium for them too?? Would also mean I’d get music lessons free as those on free meals get trips and extra curricular free as well.

2x4greenbrick · 30/11/2025 12:39

socialdilemmawhattodo · 29/11/2025 23:34

Just to say not all SEN children who needed formal specified SEN education don't work. Many are able to take vocational courses, perhaps with support through college, and move on into the workplace. Slower than their peers but they are doing fine. I will say after many years in the SEN world the parents who state their children will never be independent are the families who receive PIP. I do wonder how that inability to be independent at all, in any shape or form, would look if PIP or equivalent funding was not available. I am no longer a believer in families being given large sums of untaxed money indefinitely. I think it encourages dependency.

DS1 will never be independent. In any shape or form. All professionals involved, and there are numerous, believe the same. That wouldn’t change even if you removed benefits. He has a complex mix of physical, medical, developmental and psychological disabilities. His needs would still be there. He has EOTAS because school/college is, legally, inappropriate. The provision in this package is 2:1 at all times. His needs are so complex he is in receipt of continuing care funding. Again 2:1. He requires care with all aspects of life. He can’t wash himself. He can’t even get himself in the bath. He can’t dress himself. He isn’t toilet trained. A week ago, he broke DH's nose when dysregulated.

DS3 will never be fully independent. Again, that is the opinion of all professionals involved. It isn’t just me saying it. Again, that wouldn’t change even if benefits were removed. He also has EOTIS with 2:1, and he is in receipt of social care support.

Monty34 · 30/11/2025 10:58

If you can afford not to then don't.
Because the Government say you can doesn't mean you should.
The whole system makes people dependent on so much. With little incentive to not be so.

lilkitten · 30/11/2025 10:40

If you're entitled to it, then yes, do it. It's up to them to make the rules that they think are appropriate. I'm not entitled because I'm self-employed, I could only get 12 months which helped while I built the business, but their rules are all a bit of a confusing mess so I would take it if they say yes.

LilacReader · 30/11/2025 07:20

I have 3 children and am completely against the cap removal. Especially after reading of the lady who is currently pregnant with 4th or 5th child, husband is off work with MH issues but can now afford Xmas!!!! Oh and she's set up a go fund me.
Look, if youre paying tax and paying into our system then you have every right to take what you are due. Because you've been paying into the pot prob all of your working life - so thank you xxx

Coffeeandbooks88 · 30/11/2025 07:11

LoopyLouUK · 30/11/2025 00:39

You do have to start looking for work from your child's 1st birthday hence why they've bought in childcare for those over 9 months.

Wrong. You don't have to actively apply for jobs until three. Before that is just getting ready.

hellhavenofury35 · 30/11/2025 06:39

So you would claim UC just because you can...still cant see how you qualify.
Just make sure that your children work as you did from age 15 becuase the debt burden being created by people like you will leave this country with nothing in the future.

pilates · 30/11/2025 06:20

Orangine · 28/11/2025 19:17

The system is wrong, not you

^
This

LoopyLouUK · 30/11/2025 01:00

Kirbert2 · 30/11/2025 00:43

Its 3.

Before that, you are expected to 'prepare' to look for work but not actually do it.

Sorry my error, it's very late and I got it a bit muddled. At age 1 they will start being called in for meetings at the jobcentre.

Needmorelego · 30/11/2025 00:55

LoopyLouUK · 30/11/2025 00:39

You do have to start looking for work from your child's 1st birthday hence why they've bought in childcare for those over 9 months.

According to the government website you have to start looking and attending appointments after baby turns 1 but you are not actually required to be in actual work until they're 3.

LoopyLouUK · 30/11/2025 00:46

SoloMumJustMuddlingThrough · 29/11/2025 21:30

It's true, but in the meantime I'm unable to rent privately and cannot get mortgage even with savings. I could stop budgeting and blow my savings and then claim but it seems so wrong. I was legally homeless and about to move into a DV shelter but then a family member offered toet me rent a room. I am very fortunate, it was a complete lifeline. There must be a lot of people forgotten on the system, not paying in, not receiving anything, not able to secure housing. It's tough. Because 16k sounds a lot but it doesn't give you freedom of you don't already have housing.

I don't want to derail the thread... In answer to OP. Claim anything and everything you are entitled to.

Don't go blowing your savings either as they won't pay out if they believe you have deliberately made yourself poor enough for benefits, its the 'deprivation of capital' rules.

The system often feels unfair but I can understand their reasons most of the time.

Kirbert2 · 30/11/2025 00:43

LoopyLouUK · 30/11/2025 00:39

You do have to start looking for work from your child's 1st birthday hence why they've bought in childcare for those over 9 months.

Its 3.

Before that, you are expected to 'prepare' to look for work but not actually do it.

LoopyLouUK · 30/11/2025 00:42

Kirbert2 · 29/11/2025 21:25

But at the same time, you'll have people screaming that you shouldn't be able to save for a house deposit if you get benefits.

You can have savings up to 6k I think it is before UC make deductions from what they pay you. Some people won't even agree with that.

Yep you can't save enough to buy a decent second hand car even if your disabled and really need one. The motability scheme is too expensive for many people.

Stucknstoopit · 30/11/2025 00:42

BettysRoasties · 28/11/2025 19:39

Yup and again you can get lots of discounted entry to places if you are on UC as well. Whipsnade zoo, London zoo, lots of historical places and a few aquariums.

I had no idea till one of the school mums was telling me after her summer holiday adventures.

Do you know how? I ‘migrated’ to uc from tax credits, not by choice I might add 🤣😭

LoopyLouUK · 30/11/2025 00:39

Needmorelego · 29/11/2025 21:14

@SoloMumJustMuddlingThrough have you checked if you are entitled to anything.
You don't have to work under UC rules until your daughter is 3.
You are a single parent.
You more than likely would get help.
(although maybe it's because of your savings that you don't)

You do have to start looking for work from your child's 1st birthday hence why they've bought in childcare for those over 9 months.

Kirbert2 · 30/11/2025 00:08

socialdilemmawhattodo · 29/11/2025 23:34

Just to say not all SEN children who needed formal specified SEN education don't work. Many are able to take vocational courses, perhaps with support through college, and move on into the workplace. Slower than their peers but they are doing fine. I will say after many years in the SEN world the parents who state their children will never be independent are the families who receive PIP. I do wonder how that inability to be independent at all, in any shape or form, would look if PIP or equivalent funding was not available. I am no longer a believer in families being given large sums of untaxed money indefinitely. I think it encourages dependency.

Why? PIP isn't taken away just because a young person is able to move into the workplace.

Some will absolutely be able to work but some won't.

I'm not sure exactly what the future holds for my son but do think it's unlikely that he'll be fully independent in the future. I'm not saying that because I want the PIP he's going to get anyway, I'm saying that because it's reality and I know my son's needs better than anyone.

Puffin69 · 29/11/2025 23:36

cadburyegg · 29/11/2025 21:24

Having a disabled child is hugely expensive. My friend gets DLA for her autistic child and what she is having to go through to try and get him into a SEN school is unbelievable. Solicitor costs, private assessments that the LA won’t cover. In the meantime her income is affected because she can’t work for more than a few hours a day. Even after he gets a place in a SEN school she’ll never be able to work full time and he’ll likely need caring for as an adult.

Edited

Having a disabled or very ill child basically makes working full time imposdible. The amount of work that has to be put into.just keeping them at school - the demands you collect them at a moments notice and the endless meetings - make it hard to kerp a job unless you have an amazing employer who for some reason has no financial stress. Then there are the constant appointments and just the sheer exhaustion caused by worrying all the time. And the financial stress of not being able to work and paying for unfunded treatment and supports. That is why so many of us end up homeschooling - and the fact that our kids are being damaged by the school. And you have to basically start again every year because the schools don't pass on information and want the child to show they still need help by failing before help is given. So they consistently lose at least a term of learning every year plus a term to recover somewhat.

Rinoachicken · 29/11/2025 23:35

I have two disabled children, one of them we get DLA for and he’s in a special school. DH and I both work full time, DH on £62k and I’m on £42k (both before tax and deductions) and we’re entitled to nothing according to this calculator. Little savings and we rent. Never expected we would be entitled to anything but reading all the comments from people adamant that if you rent and have a disabled child you would be entitled to help I thought I’d check…nope.

socialdilemmawhattodo · 29/11/2025 23:34

cadburyegg · 29/11/2025 21:24

Having a disabled child is hugely expensive. My friend gets DLA for her autistic child and what she is having to go through to try and get him into a SEN school is unbelievable. Solicitor costs, private assessments that the LA won’t cover. In the meantime her income is affected because she can’t work for more than a few hours a day. Even after he gets a place in a SEN school she’ll never be able to work full time and he’ll likely need caring for as an adult.

Edited

Just to say not all SEN children who needed formal specified SEN education don't work. Many are able to take vocational courses, perhaps with support through college, and move on into the workplace. Slower than their peers but they are doing fine. I will say after many years in the SEN world the parents who state their children will never be independent are the families who receive PIP. I do wonder how that inability to be independent at all, in any shape or form, would look if PIP or equivalent funding was not available. I am no longer a believer in families being given large sums of untaxed money indefinitely. I think it encourages dependency.

Puffin69 · 29/11/2025 23:28

If the law says you are entitled then you are. If you like you can take it and donate part to the local food bank or something to benefit other kids. It is like pensions - some people really don't need them but they are entitled to them and many donate the money. It can do more good in your community than sitting in the governmet accounts.

Kirbert2 · 29/11/2025 22:11

TrashyTash · 29/11/2025 21:55

She has a husband on a high salary I live with a pensioner. No financial comparison. She chose to have children.

She has two disabled children.

That's why.

verybighouseinthecountry · 29/11/2025 22:02

24kPalamino · 29/11/2025 20:38

Why? Even if I get 75% of what I do now not having to work would be well worth it. I don’t actually enjoy working. In fact, some days I desperately don’t want to go in. Why should I bother, if I can get money for free?

You'll need to be buying mumsnet chickens, the £600 per month UC you'll receive as a couple won't go too far.

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