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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To see benefits as a safety net, not handouts?

411 replies

ForGreyStork · 23/05/2026 14:23

It’s the way benefits are talked about. To me, they’re part of a social security system -a safety net that people may need at different points in life, rather than “gifts” or handouts.
I also wonder whether increasing conditions and restrictions risk undermining that safety net over time.

AIBU?

OP posts:
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6
XenoBitch · 24/05/2026 15:30

The only people I see refer to benefits as gifts or handouts are the people that have no clue how they work, and think people on them are rolling in it.

RubyPowderPuff · 24/05/2026 15:30

youalright · 24/05/2026 12:43

And what do you think the reality of that actually means because it will likely mean fewer jobs

Not necessarily. More disposable income in people's pockets will result in more spending. Going to work actually costs money. That can increase productivity and the need for more staff.

Reducing the in work benefits bill would also give us more money to spend on essential services like the NHS, again to improve things, we need more people to do the jobs.

RubyPowderPuff · 24/05/2026 15:24

FernandoSor · 24/05/2026 15:09

You think that NMW should be enough to run a car in addition to paying for the basics? That’s bonkers. A car is not a necessity like housing and food. People who can’t afford one (and many who can) get the bus, walk or cycle.

I actually said Transport & in most cases that's a car. So not necessarily a car, but depending on where you live, you'll need a car to get to work. Without a car, you'd have more disposable income....

FernandoSor · 24/05/2026 15:09

RubyPowderPuff · 24/05/2026 12:34

There needs to be a stop for the low wage economy. NMW should be enough to live on. That's housing, food/clothes and transport (in most cases a car). Then by all means help families with children by giving them extra in child benefit. Tapered to reflect earnings but not as an extra income or a universal payment to everyone.

Then we can look after our most vulnerable properly. Give people who are ill or genuinely unable to work a decent amount to live on.
If someone falls on hard times, give them enough time and support to sort themselves out 18 mounts to 2 years should be sufficient.

Also, so many people on these threads always talk about what they can't do, maybe it's time for people seeking work to think about what they realistically can do. There should be more pride in the ability to support oneself.

You think that NMW should be enough to run a car in addition to paying for the basics? That’s bonkers. A car is not a necessity like housing and food. People who can’t afford one (and many who can) get the bus, walk or cycle.

HelenHan67 · 24/05/2026 14:45

Pilgrimlady · 24/05/2026 14:03

@HelenHan67as I said, I paid NI all my working life, happily knowing a portion of it was being used for welfare benefits. I didn't say or infer that people who haven't paid a penny in contributions are any less worthy of welfare benefits than me and dh.

That's true - apologises if you thought I was criticising you. Absolutely not my intention.

Pilgrimlady · 24/05/2026 14:03

@HelenHan67as I said, I paid NI all my working life, happily knowing a portion of it was being used for welfare benefits. I didn't say or infer that people who haven't paid a penny in contributions are any less worthy of welfare benefits than me and dh.

youalright · 24/05/2026 13:52

HelenHan67 · 24/05/2026 13:17

I agree with you entirely and I'm sorry about what you've endured. But even if you hadn't paid in then I wouldn't begrudge you. For example a baby can be born disabled, contribute nothing and I would still want it to be cared for by the state. There's a peculiar notion (and I'm not accusing you of this) that you work hard = you do well. But I believe that lacks nuance and context. People might need benefits for a multitude of reasons: ill health/disability (which can strike at any age and is the one minority you can't be born into), personal circumstances (for example fleeing domestic violence), external factors (like the pandemic causing businesses to close). All of those require a safety net. I wonder if people forget that when they're doing well.

I always think this people who fight so much against people on benefits they seem to forget they might need it themselves one day. Things happen, completely life changing things that we have no control over.

HelenHan67 · 24/05/2026 13:17

Pilgrimlady · 23/05/2026 14:49

Both dh and I have worked full time since, me aged 16, dh aged 15. However, in my late 50s and dhs early 60s he became very unwell and had to give up work. I had no choice but to give up my job to care for him full time. He receives PIP and ESA Contributions based Support Group and I receive Carer's Allowance. We have paid into the system nearly all of our working lives, as have our parents, grandparents, siblings etc. I feel not one bit of guilt about claiming these sickness benefits, I paid NI knowing a portion of it was being used to help those in need, never thinking that one day it would be us. No one knows what the future holds and people should remember that before they criticise people claiming benefits.

I agree with you entirely and I'm sorry about what you've endured. But even if you hadn't paid in then I wouldn't begrudge you. For example a baby can be born disabled, contribute nothing and I would still want it to be cared for by the state. There's a peculiar notion (and I'm not accusing you of this) that you work hard = you do well. But I believe that lacks nuance and context. People might need benefits for a multitude of reasons: ill health/disability (which can strike at any age and is the one minority you can't be born into), personal circumstances (for example fleeing domestic violence), external factors (like the pandemic causing businesses to close). All of those require a safety net. I wonder if people forget that when they're doing well.

youalright · 24/05/2026 12:43

RubyPowderPuff · 24/05/2026 12:34

There needs to be a stop for the low wage economy. NMW should be enough to live on. That's housing, food/clothes and transport (in most cases a car). Then by all means help families with children by giving them extra in child benefit. Tapered to reflect earnings but not as an extra income or a universal payment to everyone.

Then we can look after our most vulnerable properly. Give people who are ill or genuinely unable to work a decent amount to live on.
If someone falls on hard times, give them enough time and support to sort themselves out 18 mounts to 2 years should be sufficient.

Also, so many people on these threads always talk about what they can't do, maybe it's time for people seeking work to think about what they realistically can do. There should be more pride in the ability to support oneself.

And what do you think the reality of that actually means because it will likely mean fewer jobs

RubyPowderPuff · 24/05/2026 12:34

youalright · 24/05/2026 08:18

So who would work the low paid jobs you know like all the crucial jobs that carried on during covid and couldn't shut down as they're so important and needed.

There needs to be a stop for the low wage economy. NMW should be enough to live on. That's housing, food/clothes and transport (in most cases a car). Then by all means help families with children by giving them extra in child benefit. Tapered to reflect earnings but not as an extra income or a universal payment to everyone.

Then we can look after our most vulnerable properly. Give people who are ill or genuinely unable to work a decent amount to live on.
If someone falls on hard times, give them enough time and support to sort themselves out 18 mounts to 2 years should be sufficient.

Also, so many people on these threads always talk about what they can't do, maybe it's time for people seeking work to think about what they realistically can do. There should be more pride in the ability to support oneself.

EasternStandard · 24/05/2026 12:30

WaryCrow · 24/05/2026 10:46

The elephant in the room is that there are not enough jobs for everyone who might need one. This has been true since Thatcher closed the mines.

The post above is entirely correct, why has there been such a push for full time and more full time work instead of enabling everyone to do what they can? To keep those who might care too busy to think and allow a new aristocracy of the feckless who won’t seriously challenge the aristocracy of wealth and power (they think)?

There are jobs for people who want them. We’ve had a period of bringing in quite a few people to do them.

The jobs are there. Getting to a place where more people here do them is harder but should be addressed.

Labour’s anti job policies aside that is. If another approach was taken, more people could work.

sashh · 24/05/2026 12:16

They are forever tinkering with the benefits system but they never look at what they could do to help people.

I'm disabled and I have worked on and off since I became disabled.

The 16 hours and NMW is what they seem to be obsessed with.

At one time I could not get tax credits because I was working part time, but because I received about £20.00 per hour I wasn't eligible. Had I been on NMW I could have claimed. My weekly income was the same as if I was on NMW for 16 hours.

I did supply teaching and that made things difficult, whilst I was claiming benefits my rent was paid via housing benefit, but the day I started work that stopped, even though I would not be paid for a month. There was no slack in the system.

I know if you are working then you pay your rent, council tax, etc but a loan for a month would have made such a big difference to me. I almost lost my home due to moving from HB to work and back again.

youalright · 24/05/2026 11:45

TheGreatDownandOut · 24/05/2026 10:53

It completely depends on the reason people are claiming those benefits in the first place. For those who cannot work, and will never be able to work, a good state should support those individuals to have a reasonable quality of life.

For those that cannot work, they shouldn’t be in a position whereby they can afford an equivalent (or better) lifestyle than people that do. However, the fault is that of the actual system not those individuals. If your choices are to be able to spend more time with your young children and work 16 hours a week, or go full time and be worse off, I can’t think why people wouldn’t pick the former.

I also think there’s a lot to unpick in terms of the economy. None of these are standalone issues - spiralling housing costs and lack of jobs is a huge factor. 20 years ago, I earned around £14k and could afford to rent a small place on my own, run a car, feed myself reasonably well and still have a social life. I don’t think people on that equivalent salary could do the same today.

But you wouldn't be able to work 16 hours and claim benefits unless disabled a carer or have a child under 3. Benefits are not like they use to be people need to get their heads out the early 2000s

TheGreatDownandOut · 24/05/2026 11:00

I would imagine that the entire range of what the government spends our money on needs a proper overhaul. The problem is though that many policies would be incredibly unpopular and nobody would vote for them.
How many people would welcome the state pension being means-tested for example?
There was an interesting thread the other day about people earning over £100k going part time so they don’t fall foul of the cliff edge in terms of how they are taxed and/or have childcare help taken off them. If this didn’t happen, many more of those earners would keep earning above £100k and therefore be putting even more tax back in to the system. But nobody would vote for that, either.

Hotupnorth · 24/05/2026 10:59

HelenaWaiting · 24/05/2026 10:55

At what point is the non-verbal, non-mobile disabled person supposed to make a different "lifestyle choice"?

I wondered how long it'd take the what about crowd. Don't be so obtuse, you know perfectly well I wasn't referring anyone with a serious disability. Those aren't choices of any kind.

FernandoSor · 24/05/2026 10:58

JigglingJellyBean · 23/05/2026 14:56

Unfortunately there are more part time jobs than full time ones . In certain parts of the country rents are so high that people have to claim benefits to make ends meet . So I would say benefits are more of a safety net than a handout .

Is this true? That there are more part time jobs than full time? The vast majority of people I know are in full time employment, but I accept that is likely confirmation bias. Are there any stats on full vs part time?

HelenaWaiting · 24/05/2026 10:55

Hotupnorth · 23/05/2026 14:27

I think you're right but. And there's always a but. There are some people who go on benefits and expect to stay on them as a lifestyle choice which wasn't the original intention.

Edited

At what point is the non-verbal, non-mobile disabled person supposed to make a different "lifestyle choice"?

TheGreatDownandOut · 24/05/2026 10:53

It completely depends on the reason people are claiming those benefits in the first place. For those who cannot work, and will never be able to work, a good state should support those individuals to have a reasonable quality of life.

For those that cannot work, they shouldn’t be in a position whereby they can afford an equivalent (or better) lifestyle than people that do. However, the fault is that of the actual system not those individuals. If your choices are to be able to spend more time with your young children and work 16 hours a week, or go full time and be worse off, I can’t think why people wouldn’t pick the former.

I also think there’s a lot to unpick in terms of the economy. None of these are standalone issues - spiralling housing costs and lack of jobs is a huge factor. 20 years ago, I earned around £14k and could afford to rent a small place on my own, run a car, feed myself reasonably well and still have a social life. I don’t think people on that equivalent salary could do the same today.

WaryCrow · 24/05/2026 10:46

MynameisnotJohn · 24/05/2026 07:09

The world is changing. In the west we are quite coddled and don’t expect people to make massive efforts to support themselves. Or we wouldn’t have high youth unemployment and simultaneous vacancies in the jobs nobody wants to do. My ancestors walked from northern coalfields to the Kent coalfields when there was no work.

Now we import people who do those jobs until they don’t have to. (Don’t blame them!)

With AI coming you might simplistically think that everyone could share out the reduced work and the whole country do a four day week and pay the unpleasant jobs more. But companies and money don’t work like that. It’s fewer jobs and harder work for the ones that have them. It feels inevitable that we end up with huge numbers doing nothing and the rest working hard to pay for them while the companies compete for their profits.

I’d like to see a more holistic and cohesive set of policies that look at the future world of work rather than the sticking plasters we use now. Would be better for everyone if there were a million people working a 3 day week than half a million working like crazy to support half a million doing nothing. Work is necessary for young people.

The elephant in the room is that there are not enough jobs for everyone who might need one. This has been true since Thatcher closed the mines.

The post above is entirely correct, why has there been such a push for full time and more full time work instead of enabling everyone to do what they can? To keep those who might care too busy to think and allow a new aristocracy of the feckless who won’t seriously challenge the aristocracy of wealth and power (they think)?

PropertyD · 24/05/2026 09:53

Brasslightsforthewin · 24/05/2026 07:02

Is there anyone on here, who has actually worked in or around the benefit/social housing/ justice system who thinks that multi generational worklessness is NOT an issue?

Because if you have worked in it, like I have, around hugely different areas of the country, I fail to see how you could not see it as an issue. It’s definitely not rare or uncommon or confined to a couple of areas across the country?
The government knows it too. There have been various programs over the last 30 years of my working life to try to address it. They failed because it is a multi faceted issue.
And for all the genuine benefit claimants, many of whom have posted on this thread, your denials about the reality of the system we currently have utterly baffle me. Every single fraudulent claim takes money away from YOU who genuinely need it? The system was supposed to be for people who genuinely need it and the fact is, those people aren’t getting anywhere near enough.
The entire thing needs an enormous overhaul.

Hear hear. Why some people deny this is an issue are delusional.

youalright · 24/05/2026 09:50

80smonster · 24/05/2026 08:43

Tax their benefits - like they do in Scandi countries. I’m afraid conditions like ADHD claiming PIP payments is a nonsense we cannot afford. Defence spending needs a massive boost, currently there is no money to do this, the NHS and many educational facilities are grossly underfunded. Something has to give.

The nhs isn't underfunded its badly run

DramaAndBullshit · 24/05/2026 09:46

80smonster · 24/05/2026 08:43

Tax their benefits - like they do in Scandi countries. I’m afraid conditions like ADHD claiming PIP payments is a nonsense we cannot afford. Defence spending needs a massive boost, currently there is no money to do this, the NHS and many educational facilities are grossly underfunded. Something has to give.

We could fund our benefits bill and free up money for the NHS etc with a 2% tax on assets over £10 million. We could fund all kinds of things if we stopped allowing multinationals like Starbucks etc from using loopholes to get out of paying tax. Removing support from vulnerable people is not the answer, funding it from excessive wealth is.

x2boys · 24/05/2026 09:35

80smonster · 24/05/2026 08:43

Tax their benefits - like they do in Scandi countries. I’m afraid conditions like ADHD claiming PIP payments is a nonsense we cannot afford. Defence spending needs a massive boost, currently there is no money to do this, the NHS and many educational facilities are grossly underfunded. Something has to give.

You dont get disabillty benefits because you have a diagnosis ;you get disabillity based on how that diagnosis impacts you
And ADHD like other neuro developmrntal disorders can vary greatly on how it impacts a person.

DramaAndBullshit · 24/05/2026 09:30

inmyhair · 23/05/2026 14:31

YABU universal credit is there to give people on minimum wage a handout and to encourage them to do the minimum wage jobs. It's not just a safety net for people who have fallen on hard times.

What a steaming pile of bullshit.

UC actually encourages employers to pay minimum wage, because they know UC will make up the shortfall.

No one, NO ONE is content or financially secure on a minimum wage job with UC top up. You can’t save to buy a new car, or deposit for a mortgage, you’ll struggle to pay big or unexpected bills, you have to budget very carefully to be able to survive. Doing overtime is pointless because you’ll just work extra hours for no extra money because your UC will just be reduced.

Also, we need people to do the minimum wage jobs, if they don’t we won’t have anyone working in shops, restaurants, cleaning offices or hospitals, ancillary healthcare staff will disappear. Teachers won’t have assistants, carers will not look after the elderly. These are the minimum wage jobs you seem to think are such a doss, but are actually hard graft and vital for the running of our society.

fouroclockrock · 24/05/2026 09:26

Actually, I think we need to address the cost of housing and the utter lack of genuinely affordable housing before anything else.