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

367 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:
LilyBunch25 · 25/09/2026 17:26

catspam79 · 25/09/2026 17:15

They used my net pay from payslip

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?

dustabsorber · 25/09/2026 17:23

With Labour in power, soon people on 50k will get UC. They will find a cut-off point that maximises their share of the vote and just tax those over the threshold more to finance it.

LilyBunch25 · 25/09/2026 17:21

Blinkett · 25/09/2026 15:54

it wasn’t nonsense though was it. She DOES earn £34k and she DOES get UC. Why? What does the children’s dad contribute?

Child maintenance is not deducted from UC, so it wouldn't matter if the father did contribute.

ProudOpalRobin · 25/09/2026 17:21

cadburyegg · 25/09/2026 15:01

I earn just over that with 2 kids and receive about £200 pcm UC

Would you like a pitchfork ?

How?

LilyBunch25 · 25/09/2026 17:19

Smokeywater · 25/09/2026 15:46

And the taxpayer is subsidising the Landlord's rent

And many a tax payer is also having to claim UC.

Plsfindattached · 25/09/2026 17:19

catspam79 · 25/09/2026 17:15

They used my net pay from payslip

Again @catspam79 if you are not entitled it is due to a valid reason.

They haven’t plucked out your application and all agreed “well even though she’s entitled to UC, let’s just say no purely to spite her”

LilyBunch25 · 25/09/2026 17:17

wishingonastar101 · 25/09/2026 16:25

I've mentioned this on here before. I have a friend who chooses to work part time, she does have a child and gets support and payments for Childs from ex. But she would rather work part time and get UC so she gets some time to herself.
I basically work full time because her relationship broke down and she like have 2 days a week off... how is this my problem? I would love a day off!

"Because....?" Get a hold there.

catspam79 · 25/09/2026 17:15

LakieLady · 25/09/2026 17:08

I hate to say it, but if it was the UC "helpline", they have quite a track record of giving incorrect advice.

They once told a client of mine that they wouldn't get an uplift in UC when their child was awarded DLA. They were actually entitled to around £500 a month more (disabled child element at higher rate plus carer's element). Their arrears payment was over £3k, but we had to fight to get it.

They used my net pay from payslip

Pluto46 · 25/09/2026 17:15

concertinacornflake · 25/09/2026 16:33

I'm fine with equalising up but what needs to happen is private sector should pay more into pensions.
Public sector = lower pay, better pension. If you cut the pension, the wages should rise.

Public sector salaries are no longer dissimilar to private sector now anyway and their tax payer funded pension massively over compensates. A private sector firm can only increase wages if they are fiscally viable. If you want wages to rise even more in the public sector they need to be run efficiently and without dead wood. Currently, the Public Sector has an entire forest of the stuff.

RaininSummer · 25/09/2026 17:14

A single person can easily live on 34k if housings costs are very low but for most people they aren't low.

RaininSummer · 25/09/2026 17:13

Well she will take home around 2 and a bit thousand. Her rent could be 1000 or so. Less than half her earnings will be deducted so this makes sense if she has some kids.

tiredtiredd · 25/09/2026 17:10

34k would be a struggle to live on as a single person but doable. Definitely not doable with children.

Plsfindattached · 25/09/2026 17:09

LakieLady · 25/09/2026 17:08

I hate to say it, but if it was the UC "helpline", they have quite a track record of giving incorrect advice.

They once told a client of mine that they wouldn't get an uplift in UC when their child was awarded DLA. They were actually entitled to around £500 a month more (disabled child element at higher rate plus carer's element). Their arrears payment was over £3k, but we had to fight to get it.

And they would never give a decision over the phone!

LakieLady · 25/09/2026 17:08

catspam79 · 25/09/2026 16:44

By UC

I hate to say it, but if it was the UC "helpline", they have quite a track record of giving incorrect advice.

They once told a client of mine that they wouldn't get an uplift in UC when their child was awarded DLA. They were actually entitled to around £500 a month more (disabled child element at higher rate plus carer's element). Their arrears payment was over £3k, but we had to fight to get it.

Ionlymakejokestodistractmyself · 25/09/2026 17:08

IdaGlossop · 25/09/2026 14:52

The right, predictably, frames the conversation about reducing the welfare bill as 'life-style choice', an updated version of 'benefit scroungers'. What we should be talking about is how much of the welfare bill is subsidising employers paying low wages and private landlords raking in high rents. 11% of the total welfare bill goes to landlords and 44% of Universal Credit claimants are in work.

Say it louder!!

enpeatea · 25/09/2026 17:07

Well she obviously is entitled to UC. Lots of working people are. The unreasonable thing here is that the State has to top up earnings thus subsidising low salaries. You’ll find many public sector workers on UC. Why are they not just paid better.

SkyRaisin · 25/09/2026 17:06

Why is anybody on £34k getting UC, that’s outrageous!

£2333 a month and then CB and any maintenance. There is no need for UC. Yet the working disabled are being targeted with attacks on PIP.Why?

What is the point of anybody in the £44-£55k taking on extra stress for? I’d rather earn £34k and have UC with less stress. No wonder we are struggling so much as a country!

ThisUmberSwan · 25/09/2026 17:04

Binnyforthewin · 25/09/2026 16:29

And people have the cheek to say UC isn't a gravy train.

i mean it worked out better for me to temporarily cut my hours for a little while so I could take care of picking my child up and dropping her off and then now she’s in reception. Dropping my hours meant I wasn’t claiming the 85% back anymore. Child
is now in school and can attend breakfast club and after school and have requested to increase my hours at the current place so it all works out. I might add. Once all bills rent council tax I’m left with about £300 UC which covers car insurance and petrol so it doesn’t go very far lol

IdaGlossop · 25/09/2026 17:04

pokewomans · 25/09/2026 16:47

And yet it’s the only you mentioned!

I did, as an addition to a list already provided by a PP. I didn't set out to provide a full analysis, this being a chat forum and not an economics seminar, but here are some others, in no particular order and with some muddling of genus and species: 1. inflation 2. demand for housing outstripping supply 3. public housing sold off to private individuals 4. low levels of home-building 5. home-building targets not met by successive governments 6. home-building targets set too low to meet demand 7. population increase 8. increase in single-person households 9. sustained periods of low interest rates so borrowing cheap 10. increasingly restrictive planning regulations 11. changes in building regulations discouraging home-building 12. financial deregulation 13. incursion into the property market of foreign HNW individuals driving up prices at the top end of the market.

Typo

Plsfindattached · 25/09/2026 17:01

LakieLady · 25/09/2026 17:01

The biggest lesson I learned in 25 years of doing welfare rights work is that people chat a load of shit about benefits, and other people often believe them.

Not me! I don’t believe them. I always think… well there is clearly more to this!

LakieLady · 25/09/2026 17:01

Plsfindattached · 25/09/2026 16:43

By whom?

Take ownership of your situation and input in to a benefits calculator

The biggest lesson I learned in 25 years of doing welfare rights work is that people chat a load of shit about benefits, and other people often believe them.

LilyBunch25 · 25/09/2026 16:59

Plsfindattached · 25/09/2026 16:56

🤷‍♀️ they’ll be a reason. They won’t be saying no just to spite you

Yep.

Kirbert2 · 25/09/2026 16:58

catspam79 · 25/09/2026 16:42

I earn that’ amount with 1 child and was told I don’t qualify??

Do you have a mortgage or do you rent?

LilyBunch25 · 25/09/2026 16:57

Fiftyandme · 25/09/2026 14:54

Except you were being unpleasant and yoh know it - trying to whip up fury against benefits claimants.

I work in this sector - I calculate benefits and advise on them for a living. Trust me when I say it’s no picnic.

The vile mouth foaming isn’t needed.

I've just left the WB advice sector, this being one of the reasons. So many just don't understand the system and they certainly don't see the cases of desperation especially for LT sick and disabled. I've moved into a different area of charitable work, even though I loved my prevuous job in many ways.

Plsfindattached · 25/09/2026 16:56

catspam79 · 25/09/2026 16:54

No savings under the threshold. Why don’t you call them on my behalf as you seem adamant I’m wrong

🤷‍♀️ they’ll be a reason. They won’t be saying no just to spite you

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