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

364 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:
SkyRaisin · 25/09/2026 20:08

aliceyyyy2654 · 25/09/2026 20:00

A good wage? That wouldn’t even cover the cost of a 1 bedroom flat where I live.

Move like the rest of us have to.

SkyRaisin · 25/09/2026 20:08

Plsfindattached · 25/09/2026 20:04

So if you’re a single mother with two children on this salary… then you’d genuinely benefit from UC wouldn’t you? I thought that was fairly obvious

So CB on top and maintenance!! You’d be in the equivalent of the higher tax band!

Anyahyacinth · 25/09/2026 20:06

Pluto46 · 25/09/2026 15:24

Public sector workers are rarely held to account in the same way private sectors employees are- you have to be spectacularly shit to be got rid of and, even then, you'll likely be paid off rather then sacked. Other than that, anything else that comes with an organization that never has to worry about being credible, efficient or cost effective, I suppose.

Grenfell? Accountability for the private sector?

Privatisation ..water?You seriously believe this private sector is credible, efficient or cost effective?

US healthcare charges over the NHS? This is such an ill informed post

Just look at the breast care scandal in the UK this week and see where the profit motive takes you …or kids dying in the US because an inhaler jumps from $69 to $699 in a month…yes 1 inhaler. Or a $200 dollar fee to be handed your baby you just gave birth too

Plsfindattached · 25/09/2026 20:04

SkyRaisin · 25/09/2026 20:03

And?

So if you’re a single mother with two children on this salary… then you’d genuinely benefit from UC wouldn’t you? I thought that was fairly obvious

SkyRaisin · 25/09/2026 20:03

aliceyyyy2654 · 25/09/2026 20:00

A good wage? That wouldn’t even cover the cost of a 1 bedroom flat where I live.

And?

aliceyyyy2654 · 25/09/2026 20:00

OonaStubbs · 25/09/2026 19:55

Benefits are out of control. It is ridiculous that someone earning £34,000 which is a good wage by any standards, receives a top-up. Regardless of "circumstances".

A good wage? That wouldn’t even cover the cost of a 1 bedroom flat where I live.

WhatATimeToBeAlive · 25/09/2026 19:57

Bloody hell, an extra £6k a year. That is a lot of dosh.

OonaStubbs · 25/09/2026 19:55

Benefits are out of control. It is ridiculous that someone earning £34,000 which is a good wage by any standards, receives a top-up. Regardless of "circumstances".

Plsfindattached · 25/09/2026 19:49

catspam79 · 25/09/2026 18:51

I know I don’t that’s what I was trying to tell you

So there’s other detail behind quite simply….

I am a single parent of one dependent child on £34k a year

because if that was the case, you would be entitled to UC @catspam79

Greebocat · 25/09/2026 19:43

SameOldMe · 25/09/2026 19:39

any extra hours has an effective deduction of about 67.6% once income tax, NI and the UC taper are combined, without childcare or commuting costs so i can understand why.

Yes so can I, but it’s still not sustainable, there must be a better system out there, to help people reach their potential whilst still being able to live.

SameOldMe · 25/09/2026 19:39

Greebocat · 25/09/2026 18:33

I know someone who is married with children and neither of them will work extra hours/overtime or take on extra responsibilities (for more money), because it messes up their UC. Why would people put in the extra time and effort when they are getting the same or more from the government. It’s a hard one to solve, but its not benefit bashing to say this is not sustainable to keep topping up peoples wages, especially if they are working part time.

any extra hours has an effective deduction of about 67.6% once income tax, NI and the UC taper are combined, without childcare or commuting costs so i can understand why.

aliceyyyy2654 · 25/09/2026 19:25

Balicious · 25/09/2026 14:51

Why the need to be rude? I said I was working, so yes, I obviously missed that detail. It’s easy to be unpleasant from behind a keyboard.

Why make a thread when you couldn’t be bothered to listen properly in the first place? Just admit you’re wrong

ilovepixie · 25/09/2026 19:24

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!

She must have children, I am single and my income is £750 a month and I don’t get universal credit!

ThisOldThang · 25/09/2026 19:22

Myvasesarenew · 25/09/2026 16:56

It's not a lot though is it. I work part time and earn £30,000, take home is £1900 a month. Renting a 3 bed house here is £1300 a month, council tax £250, gas and electric £300. That's would be all my pay gone. That's without internet, phone, TV, food, fuel, any days out! I have two degrees and work, if I was a single parent I couldn't afford to house my 2 children in a standard 3 bed house.

"I work part time"

"if I was a single parent I couldn't afford to house my 2 children in a standard 3 bed house."

Why do you think that working part-time would/should be sufficient to support two children and rent a 3 bedroom house?

The obvious answer would be to work full-time, just like the rest of us.

LakieLady · 25/09/2026 19:07

catspam79 · 25/09/2026 17:27

I won’t comment again. You seem to think I’m some sort of half wit. I’m on the bones of my arse and struggle each month. Everything is getting more expensive food shopping, bills etc. I work full time and think what’s the point. I’ll say it again I’ve been told my earnings are over the threshold for UC . Do you not think I’ve tried to get something. Years ago I’d get tax credits but they stopped obviously.

If you want to check that what you've been told is accurate, there's a really user friendly benefit calculator here

Benefit checker

It's really not at all unusual for the DWP to misinform people about entitlement, especially when it comes to UC, as there are so many variables.

If you are paying a high-ish rent, and providing that you don't have savings in excess of £16k (or a spare house!), it's quite possible that you could be entitled to some UC. The calculator linked above will give you a definitive answer.

Where you live

Welcome to entitledto's free benefit calculator. To find out what you might be able to claim enter your details and you'll receive an estimate of your entitlement...

https://www.entitledto.co.uk/benefits-calculator/Intro/Home?cid=7e36b5f4-abe4-4cfc-80d7-28e8bf8fcece

Kirbert2 · 25/09/2026 19:04

SkyRaisin · 25/09/2026 19:02

Nobody should be getting it on £34k, that’s completely ridiculous.

Have you seen how high some rents are? Some will also get it for childcare.

SkyRaisin · 25/09/2026 19:02

Plsfindattached · 25/09/2026 18:47

Oh @catspam79

If you aren’t receiving it - you’re not entitled to it for some reason. But a single parent on £34k with a dependent and presuming fits the parameters - would get UC. You don’t because … you don’t

Edited

Nobody should be getting it on £34k, that’s completely ridiculous.

catspam79 · 25/09/2026 18:51

Plsfindattached · 25/09/2026 18:47

Oh @catspam79

If you aren’t receiving it - you’re not entitled to it for some reason. But a single parent on £34k with a dependent and presuming fits the parameters - would get UC. You don’t because … you don’t

Edited

I know I don’t that’s what I was trying to tell you

LakieLady · 25/09/2026 18:48

LilyBunch25 · 25/09/2026 17:26

As Lakielady says, who I believe has way more than even my 15 years experience in welfare benefits, the UC helpline, poorly named, is not the best place to ask. That's the reason there are so many advice services. God help me I've just had to leave the sector. You are better off using a trusted online benefits calculator or just make a claim for UC online. I am very interested to know what reason you were given for non entitlement. From what you've said your savings are less than £16k? I'm assuming also you have no other income from property/annuities similar?

More years, @LilyBunch25 , but not necessarily more experience as for quite a few years it was only part of my job.

And it shows how much I've forgotten since I retired last year, as I completely failed to consider the capital/tariff income question, or even the possibility of the OP having a spare house hanging around...

Plsfindattached · 25/09/2026 18:47

catspam79 · 25/09/2026 18:43

When did I say UC had singled me out?

Oh @catspam79

If you aren’t receiving it - you’re not entitled to it for some reason. But a single parent on £34k with a dependent and presuming fits the parameters - would get UC. You don’t because … you don’t

catspam79 · 25/09/2026 18:43

Plsfindattached · 25/09/2026 18:10

I don’t regard you as a half wit @catspam79

but I don’t think DWP has singled you out to deny you UC you are entitled to.

If you aren’t getting, you’re not entitled. It’s that simple.

When did I say UC had singled me out?

disgracefullyyours · 25/09/2026 18:43

This is one of those threads that convinces me that some people on this website lead very sheltered lives. The government don't pay £500k to anyone who works just because they ask for it and I'm amazed you never considered they would have children or have PIP.

Laurmolonlabe · 25/09/2026 18:41

The upper limit is quite a lot higher than that, depending on how many children you have- best advice put in a claim, the worst they can do is say no.

YourWildAmberSloth · 25/09/2026 18:34

catspam79 · 25/09/2026 17:27

I won’t comment again. You seem to think I’m some sort of half wit. I’m on the bones of my arse and struggle each month. Everything is getting more expensive food shopping, bills etc. I work full time and think what’s the point. I’ll say it again I’ve been told my earnings are over the threshold for UC . Do you not think I’ve tried to get something. Years ago I’d get tax credits but they stopped obviously.

Tax credits were replaced by UC along with all of the other benefits. I was getting Tax Credits and was migrated to UC. I pay into a civil service pension - I don't know if that affects entitlement although I suspect not.

Greebocat · 25/09/2026 18:33

I know someone who is married with children and neither of them will work extra hours/overtime or take on extra responsibilities (for more money), because it messes up their UC. Why would people put in the extra time and effort when they are getting the same or more from the government. It’s a hard one to solve, but its not benefit bashing to say this is not sustainable to keep topping up peoples wages, especially if they are working part time.

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