Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Is receiving £30k pa on benefits “living in poverty”?!

361 replies

ChumpWizard · 21/03/2026 19:40

Amol Rajan BBC R4 Today was in Colchester this week. Great interviews but one thing had me wondering.

Is receiving c£30,000 pa on benefits “living in poverty”? That’s the equivalent of a FT job earning c£40-£42k Pa.

OP posts:
Plumblossomsbloom · 22/03/2026 15:12

GoldenRosebee · 22/03/2026 10:57

how could you have minimum wage job with student loan?

Loads do. Not everyone goes to university to study hard, make useful connections, gain useful work experience and secure a good job at the end of the degree.

Plenty goes to uni when they shouldn't. Either due to lack of academic ability, wrong temperament for the environment (the ones that spend more time in the counsellor's office than the lecture room). Or those who go there for the student lifestyle or because it's expected by everyone around them that they'll go, often taking a largely useless degree with no practical elements for any specific job.

Either way, if any of these people pass, it's often gaining only a so-so level of qualification, meaning they're not sought after by employers but overqualified for many jobs. These are the ones who struggle to find work of any kind. They're possibly also not looking too hard because that's their mindset, having gone to university mainly to avoid getting a job for 3 years, in some cases. Or have a huge sense of entitlement about what job they ought to have, because they went to uni and think it makes them special. Eventually they'll end up in something minimum wage after being unemployed for a while and their parents getting pissed off with supporting them.

Edited to delete a bit because I cross posted with someone with more accurate information

AnnaQuayRules · 22/03/2026 14:30

bestcatlife · 22/03/2026 12:27

I’m sure there will be plenty more benefits bashing threads when COL increases again!

I don't think it's benefits bashing to question a system in which people who can't work due to illness can have an additional three children, despite already having three, and be given money to do so.

Many people would love to have big families but accept they cannot afford to do so. Others sadly find themselves falling ill and unable to work after already having children. That isn't the case here.

intrepidpanda · 22/03/2026 13:30

GoldenRosebee · 22/03/2026 10:57

how could you have minimum wage job with student loan?

Minimum wage is nearly 25k now. Repayment threshold is 21k. So yes you will be paying something if you are FT minimum wage.

intrepidpanda · 22/03/2026 13:20

No. Poverty is defined as a household income less than 60% median household income which google tells me is 36700. So around 22k household income is the poverty line.

notmyfirstrodeo2 · 22/03/2026 13:20

GoldenRosebee · 22/03/2026 10:57

how could you have minimum wage job with student loan?

If you worked over 40hrs a week
plan 1 threshold is £26,065 so not masses over

bestcatlife · 22/03/2026 12:27

I’m sure there will be plenty more benefits bashing threads when COL increases again!

bestcatlife · 22/03/2026 12:25

Isn’t there a benefit cap? Either way, this family must have a lot of children, and disabilities to claim this much, so I’m not jealous of them.
also rents have risen dramatically, including social rents which is shocking really.

DoctorDja · 22/03/2026 11:22

I support 99% of PIP claims. Especially for physical health issues. But I feel very occasionally the PIP given is not needed.

I know a recent graduate who received max maintenance loan (and for extra for being autistic), DSA and PIP for autism. The PIP is for "help socialising". And he has so much from sfe, he put loads into savings. Now he uses his pip to half pay for driving lessons and half give to his parents.

Another person I know another young adult on PIP just works part time at a desk job and uses PIP to go gallivanting around the UK and exploring lots of it. Good on him for having fun, but surely he can work FT and then travel?

With UC I know many families who have no ambition, don't care about school, don't push their kids at school and just claim whatever they can and have no real ambition to improve their situation.

Thelongestcovid · 22/03/2026 11:10

In my previous role (LA) most had degrees but the job is currently advertised with a salary of £26,000 - £29,000.

User0311 · 22/03/2026 11:02

I work full time and don’t earn 30k , I wish !

GoldenRosebee · 22/03/2026 10:57

Badbadbunny · 21/03/2026 19:51

Before tax, national insurance, student loan repayments, workplace pension deductions, etc. and costs of working, such as commuting.

Edited

how could you have minimum wage job with student loan?

Blondeshavemorefun · 22/03/2026 10:57

Grendel7 · 21/03/2026 21:27

2.5k a month!!!! As a couple we live on 30k a year, have no debts and live comfortably. Not entitled to benefits as both work and no small kids.

That’s £15k each then so you both must be working part time

Thelongestcovid · 22/03/2026 10:48

AnnaQuayRules · 22/03/2026 01:09

@XenoBitch that's the problem, isn't it? I don't think the children should suffer because their parents made poor choices, but I also don't think the parents should be rewarded for having 6 children whilst not working. I don't know what the answer is.

We know that educated women have less children. In many parts of the country having DC is the only real joy they will experience. There are many children growing up in 'rough' areas that go to schools in special measures. Maybe if the government put more effort into properly funding and improving education outcomes for these children would be improved. Plus so many low skilled jobs have been replaced by technology so it is vital that these people are given an education if we expect them to work.

Pickledonion1999 · 22/03/2026 10:15

XenoBitch · 22/03/2026 00:59

No one on benefits is "rich".

Someone on more benefits than the "poorest person that works" will have disabilities and/or disabled kids.

Would you like to swap you wage for their disabilities? Yeah, thought not.

Of course there are rich people on benefits because some benefits aren't means tested. I regularly help older people to claim Attendance Allowance. Some live in massive houses and have hundreds of thousands in the bank and still want to claim AA. I personally think it's wrong and it should be means tested but that's unlikely to happen.

CandyEnclosingInvisible · 22/03/2026 10:08

It depends on the number of people that £30,000pa has to support and what abasic rent for an adequate home would be for a family that size. If an adequate home is going to cost £2000pcm leaving £500pcm to cover all bills food and other expenses for 5 people then that would indeed be poverty. The same amount of money to support just a single parent and once child in an area where rent is only £600pcm would not be

metellaestinatrio · 22/03/2026 10:04

CousinBette · 21/03/2026 21:56

I heard this piece. Whilst all 6 children had SEN, that doesn’t mean they’d all qualify for benefits related to the SEN. The mum adored her children, they were her pride and joy and gave her purpose in life… I think that goes some way to explaining why she’d had six.

Edited

But many of us might in an ideal world have liked to have more children, but we limited our family size so we could give the children we have a good life. Surely everyone’s children are their pride and joy - doesn’t mean we should all be able to have six and not to have to work!

sunshine244 · 22/03/2026 10:00

feellikeanalien · 21/03/2026 21:53

If a single parent has a severely disabled child their monthly UC payment would be made up as follows:-
Single person rate £400.14
Carers element £201.68
Child element £339.00
Severely disabled
child element £495.87

Total amount £1436.69

They would automatically lose £739.14 once their child is no longer on the claim. The child will get £534.24 in UC including the new LCWRA amount. Child benefit will also stop so a further £110 will be lost. If the child is not classified as severely mentally impaired they will also lose their single person Council Tax discount.

The child will already be in receipt of PIP so that makes no difference to the household's total income.

The household will be at least £300 per month worse off so I'm not sure how you work out that they won't be significantly worse off.

Also if it's a single parent family they will lose any child maintenence too.

metellaestinatrio · 22/03/2026 10:00

XenoBitch · 21/03/2026 21:44

If all 6 kids are SN then chances are the parents are too.
You can't stop anyone having children. That is a massive slippery slope sliding down into eugenics territory.

But you can disincentivise them from having more children by reducing the benefits available, so they can choose to have more kids but are required to consider whether they can actually afford to support them rather than just knowing the state will provide.

ColinOfficeTrolley · 22/03/2026 09:55

Badbadbunny · 21/03/2026 19:51

Before tax, national insurance, student loan repayments, workplace pension deductions, etc. and costs of working, such as commuting.

Edited

You ain't paying any student loan back on £25k

OrdinaryMagicOfAcorns · 22/03/2026 09:52

Livelovebehappy · 22/03/2026 09:30

It’s not meant to be easy. Money from the ever depleting public purse is being offered out here. DWP need to get it right, so however difficult it might be, all the appropriate questions and information needs to be obtained. Lots of online help out there to help with completion….

The ‘ever depleting purse’ of public money while billionaires get ever richer…

Allergictoironing · 22/03/2026 09:51

shuggles · 22/03/2026 01:28

It's understandable if your DC and their partner are high earners. People generally choose homes that they can afford.

I was saying that anyone who is on benefits that tries to rent a £2k a month property is a clown.

They may have no choice depending on where they live. If you look at say, Kent, minimum rental for 3 bedrooms is around £1k -per month, and living within a few miles of any towns nearer £1300 - £1600 per month. Many of these are apartments. Greater Manchester area starts at £1k per month.

The closer you get to the greater London area the more rents go up e.g. Brentwood a 3 bedroom home starts at £1800 per month, Dartford around £2k, Croydon £1.8 - 2k. If a family has 2 children of different sexes they need that 3rd bedroom once they get to a certain age.

And bear in mind that they may have been renting that home then the main earner loses their job for whatever reason - finding a new place that accepts benefits is really hard due to the conditions on most Buy to Let properties. And don't even think of suggesting Housing Association or Council housing - there can be years and years of waiting for that in some areas.

They probably can't just up and move, they may have support networks where they live now, or children in special schools, or other health needs.

metellaestinatrio · 22/03/2026 09:51

AngelicaArchangel · 21/03/2026 21:01

Was she unemployed i.e. claiming benefit? Or just a mum at home looking after her children. We don't know when she had the children or when her husband became unable to work due to his disability.

This is the trouble with having barely any facts.

OP has dropped rage bait and fucked off.

We do know she’s been unemployed for ten years and the youngest child is three, so she had at least one (and likely more, given the oldest is 20) since she stopped working. Given the age range, it would presumably also have been apparent that the older children had disabilities before she and her DH decided to have the younger ones. If you can’t manage the children you have alongside a job, why go on to have more?

Coffeeandbooks88 · 22/03/2026 09:47

Livelovebehappy · 22/03/2026 09:30

It’s not meant to be easy. Money from the ever depleting public purse is being offered out here. DWP need to get it right, so however difficult it might be, all the appropriate questions and information needs to be obtained. Lots of online help out there to help with completion….

I have heard of children with cancer being denied. Utterly stupid. Yes I am aware that they will try not to award it and yes my child has SEN.

metellaestinatrio · 22/03/2026 09:45

ComtesseDeSpair · 21/03/2026 20:45

I’m politically centrist with probably some views which lean towards the right. But I worked a significant part of my career in social research and social housing, and when it comes to welfare I’m a pragmatist: cutting welfare doesn’t stop people making bad choices like having more children than they can afford, it just means that children grow up in poverty. And when children grow up in poverty, we see the repercussions of that in our education, health, criminal justice and social services: the money that isn’t being spent on welfare just has to be spent somewhere else along the line.

I largely agree with you, provided the money is actually spent on the children - often in these cases it is not, and the children are still turning up to school hungry and their teacher (who may well earn less than £30K net - because remember we are talking here about a £30K NET income not gross) is buying them breakfast.

pinkpalmleaves · 22/03/2026 09:31

@previouslyknownaswhy does she get PIP?