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AIBU to be surprised someone on £34,000 receives Universal Credit?

358 replies

Balicious · 25/09/2026 14:37

I was listening to BBC Radio 5 Live at work yesterday morning. They were discussing the Conservatives’ proposal to stop people spending benefits on alcohol, cigarettes, etc.—but that isn’t what my question is about.
One caller said she earns £34,000 a year as a trainee social worker and receives an additional £500 a month in Universal Credit. She didn’t mention having children, paying rent or having a disability—she simply said she struggles to live on £34,000 and needs Universal Credit to top up her wages.
What is going on? That’s more than I earn! Could I apply for a top-up too? Has anyone else heard of someone working full-time and earning well above minimum wage having their salary topped up by Universal Credit? I just couldn't get over what I was hearing!

OP posts:
JustAlice · Yesterday 18:44

Hazzaar67 · Yesterday 18:19

You should not need benefits if you are on 34 grand a year. What they need is advice on how to budget

I’ve just made a calculation. If I become a single parent with 1 child, I’ll be getting £1400pm from UC while working FT NHS band 3 job in London. It means I’ll be getting £3900pm take home.
It’s an equivalent of £62500 gross salary so around band 7 pay give or take.

Even with rent around 2400 it’s OK’ish, I guess? I didn’t check if I’ll still have to pay council tax or the council will pay for me.

I can’t believe actually, maybe I’ve screwed the online form?

IWantAShitzu · Yesterday 18:43

My husband earns £47k a year and we receive £1k a month in UC.

Kirbert2 · Yesterday 18:42

Hazzaar67 · Yesterday 18:16

Are you saying it's reasonable for someone earning a whopping £34,000pa to be claiming public money also. If that isn't enough they need a serious sit down to sort out their finances

If someone is claiming UC with that wage, it means they are likely getting the housing element and/or childcare element.

How can someone budget when rents and childcare prices are so high?

Dollywasbrunette · Yesterday 18:37

If people were paid better, there wouldn’t be a need for such a system!

The outrage is always aimed at the same people, by the same narrow minded people. The benefit system fits a purpose, ensuring the rich stay rich and the poor stay poor! They don’t pay enough for people to save towards their own homes, but hike up the rent for renters ensuring private landlords are kept well in pocket.

If people looked to reason and not to judge, it really isn’t difficult to see what is going on! The government have created this situation for a reason; to make the rich more money. It really is THAT simple.

perenniallymessy · Yesterday 18:36

In a lot of countries people get tax rebates for dependents which we don’t in this country. For some people at the top of the scale where they receive UC it’s going to be covered by their tax and NI contributions. Then as they keep working and the children get older their tax and NI will be able to cover other services.

Realworld10 · Yesterday 18:22

A friend earns £1800 pm, single Mum to one child and not eligible for UC so I can't see how this can be true?

Hazzaar67 · Yesterday 18:19

You should not need benefits if you are on 34 grand a year. What they need is advice on how to budget

Hazzaar67 · Yesterday 18:16

Are you saying it's reasonable for someone earning a whopping £34,000pa to be claiming public money also. If that isn't enough they need a serious sit down to sort out their finances

HonorBound · Yesterday 18:13

Get frustrated or angry or upset with the employers that are keeping wages low

mrshiddleston69 · Yesterday 18:11

I get £36,000 and UC. 2 children, live alone with them. The uc is very helpful. Don’t drink or smoke. Only hobby is gym. Get off your high horse

Wetblanket78 · Yesterday 18:09

She has children and is entitled to help with childcare and housing costs. Have you not seen the cost of sky high rent lately? She is working to improve her life not sitting on her bum doing nothing. I see no issue here.

Single50something · Yesterday 18:07

So prob not unreasonable but maybe a little blinkered as to how life is for others.

Single50something · Yesterday 18:05

If you go onto a benefit checker calculator it will show what someone can get.
I am sure she will have had children.
I used to get a top up of UC on a similar salary. But only when I rented. Now I have a montage I dont get any and bills are higher.
A salary of 34k doesnt actually go very far at all once rent is paid/bills paid etc. Was she single?
I think people forget that single people's utility bills/rent/mortage/CT etc are much the same as a couple...its hard.
After paying all outgoings I have no spending money/no ability to save etc.

Moii · Yesterday 17:59

I know a family who get £1500.pw in UC that £78k a year cash! 7 kids renting 2 on DLA

Irishsettersarethebest · Yesterday 17:54

As some replies suggest, you are just starting a potentially frenzied debate about benefits. This is old news and boring. You didn’t have all the facts so could not put forward considered point for discussion.

conun · Yesterday 14:29

aliceyyyy2654 · 25/09/2026 20:40

Exactly right, rent around here for a 1 bed flat is £1700+. Many posters on mumsnet are completely out of touch with reality.

£1700 😣 what an absolute joke given the average salaries right?

Yes some MNetters are painfully clueless.

conun · Yesterday 14:21

Namemechangey · Yesterday 00:30

It’s shocking how wages have stagnated while prices have inflated so much.
where is the money going ? It’s not going to the workers, it’s going to shareholders and ceos.
wages haven’t risen for 20 years, it’s disgusting how much they are suppressed. And now suppressed to the point that the government has to subsidise people’s wages so they can have a basic standard of living. While money gets siphoned off to shareholders and investors and wages just stagnate.

yeah I’d say this is the real scandal. That and escalating house prices.

EvieBB · Yesterday 11:28

Youneedas · Yesterday 11:18

How old are you? Always been on minim wage?

I'm in my early 50s. Yes I've been on a little more at times but I have a history of depression/anxiety/chronic fatigue and low confidence/self esteem (childhood sa and lots of criticism and lack of praise at home) so despite doing well academically at school (top grades at GCSE and A levels) it just didn't translate to the real world due to confidence issues and never feeling good enough deep down or that I fit in (immigrant parents). I do wonder if I'm a bit autistic or maybe it's my foreign upbringing as I can't seem to banter in the same way as most English people do. Feel frustrated and held back when I have managers who are earning way more and not as academic but they have the people skills and a face that fits. :(
Frustrating and upsetting. Sorry, I'm having a "woe is me" moment!

Katemax82 · Yesterday 11:20

pokewomans · Yesterday 09:28

@Katemax82clearly your DH earns a lot but disabled dc makes a big difference.

It absolutely does...you get the extra disabled child element for the 2 and carers element for both. It helps because due to the kids care needs I can't work

Youneedas · Yesterday 11:18

EvieBB · Yesterday 11:18

Minimum wage :(
Despite having A levels and an FE teaching qualification

How old are you? Always been on minim wage?

EvieBB · Yesterday 11:18

Youneedas · Yesterday 11:16

What are you on?

Minimum wage :(
Despite having A levels and an FE teaching qualification

Youneedas · Yesterday 11:16

EvieBB · Yesterday 11:08

I wish I was on £34k

What are you on?

Autumnalbride · Yesterday 11:15

Balicious · 25/09/2026 14:37

I was listening to BBC Radio 5 Live at work yesterday morning. They were discussing the Conservatives’ proposal to stop people spending benefits on alcohol, cigarettes, etc.—but that isn’t what my question is about.
One caller said she earns £34,000 a year as a trainee social worker and receives an additional £500 a month in Universal Credit. She didn’t mention having children, paying rent or having a disability—she simply said she struggles to live on £34,000 and needs Universal Credit to top up her wages.
What is going on? That’s more than I earn! Could I apply for a top-up too? Has anyone else heard of someone working full-time and earning well above minimum wage having their salary topped up by Universal Credit? I just couldn't get over what I was hearing!

If course you can apply.

Go on turn2us and do a benefit calculator

EvieBB · Yesterday 11:08

Therewegothen · Yesterday 07:28

Only relatively. Objectively £34k isnt even an average salary, let alone an average household income.

I wish I was on £34k

cadburyegg · Yesterday 10:49

Therewegothen · Yesterday 09:03

But that's really hard and there are cliff edge drop offs. My sister worked in a factory and they wanted to raise her wage, she's be on about £100 a month more after tax etc but would lose almost all her benefits, making her £200 a month worse off overall. So she declined the pay rise and got 3 days extra annual leave instead. If the system was fairer, she'd have gained the extra earnings, lost less in benefits and been better off overall, but that isn't how it works.

That doesn’t make sense tbh

You’re always better off working more. When I took a pay rise I became about £500 a month better off whilst claiming UC

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