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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:
Therewegothen · Yesterday 00:14

I earn significantly more than that and I'm entitled to the childcare element of UC, it literally pays the wrap around costs. If I didn't have wrap around/childcare costs then I wouldn't be able to claim.

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.

EvieBB · Yesterday 00:51

aliceyyyy2654 · 25/09/2026 20:17

Why do you think 34k is a high salary? It isn’t

It is of you're on minimum wage

karrabee · Yesterday 00:59

I earn over 40k and get uc. Childcare, rent and disabled child...

EvieBB · Yesterday 05:43

karrabee · Yesterday 00:59

I earn over 40k and get uc. Childcare, rent and disabled child...

Are you a single parent?

SimplySoo · Yesterday 06:50

One third of Universal Credit claimants work and earn wages.

You should do a benefit check OP. The cost of living is so high, make sure you get help you're entitled to.

Youneedas · Yesterday 06:55

SkyRaisin · 25/09/2026 20:37

Ditto

How old are you @SkyRaisin ?

Therewegothen · Yesterday 07:28

EvieBB · Yesterday 00:51

It is of you're on minimum wage

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

fumingrightnow1 · Yesterday 07:31

Its funny how nobody had an issue when people where on working tax credit but now its been moved over to universal credit its a problem

Boomer55 · Yesterday 07:44

pokewomans · 25/09/2026 16:45

Yeah they grew then and now they stagnate

Average London FT wage

80s - 7-8k
Now - 40k

@Boomer55 the name is apt I guess…

Edited

No need to snipe. 🙄. I was just pointing out that wages and costs rise over the years..

I might be one of the ‘privileged’ boomers, but, for what it’s worth, I rent a social housing flat - pay £1000 per month, and get no help with that or anything else.

Not all pensioners are clueless, living in £1 million homes and living off of the fat of the land.

pokewomans · Yesterday 07:47

@Boomer55 Except I never said all pensioners were clueless.

Responding to my post about a house that was 40k in the 80s & is now 1.8m with “but wages were different then” is utterly clueless…

pokewomans · Yesterday 07:51

I was just pointing out that wages and costs rise over the years

And as I said there is something called wage stagnation, read about it & be less clueless!

ThisOldThang · Yesterday 08:19

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.

But it's UC that have caused wages to stagnate. Employers can pay minimum wage and the worker gets topped up to the same level as a senior teacher via UC.

If the employer pays more, UC payments are reduced and the worker is no better off, so the employer would be stupid to pay more.

The employer is happy and the worker is happy. The people being taxed crazy amounts to pay for it aren't happy, but they're the class enemies of Labour, so 🤷.

Didyousaynutella · Yesterday 08:29

But what is the point of taking that promotion, with extra work and responsibility presumably, when you can just get a universal credit top up.
It feels like those on the middle to high incomes are penalised the most in this country.

Bjorkdidit · Yesterday 08:33

But only (accordingly to Google) 8 million people out of a workforce of 34 million get universal credit so I'm not sure that's why wages are suppressed, as the majority are working for the same low wages without top ups.

Bilbo63 · Yesterday 08:39

ThisOldThang · Yesterday 08:19

But it's UC that have caused wages to stagnate. Employers can pay minimum wage and the worker gets topped up to the same level as a senior teacher via UC.

If the employer pays more, UC payments are reduced and the worker is no better off, so the employer would be stupid to pay more.

The employer is happy and the worker is happy. The people being taxed crazy amounts to pay for it aren't happy, but they're the class enemies of Labour, so 🤷.

Yet many are up in arms when the minimum wage rises - the rise reduces UC payouts

Bilbo63 · Yesterday 08:43

Didyousaynutella · Yesterday 08:29

But what is the point of taking that promotion, with extra work and responsibility presumably, when you can just get a universal credit top up.
It feels like those on the middle to high incomes are penalised the most in this country.

Umm - progression and pride? Not having to rely on benefits? I work within benefits - the majority of people working try to earn more to get off them.

LilyBunch25 · Yesterday 09:00

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".

Do you have a mortgage, own your home outright, or rent?

Therewegothen · Yesterday 09:03

Bilbo63 · Yesterday 08:43

Umm - progression and pride? Not having to rely on benefits? I work within benefits - the majority of people working try to earn more to get off them.

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.

LilyBunch25 · Yesterday 09:04

SkyRaisin · 25/09/2026 20:14

Nobody on £34k, CB and maintenance needs or should have universal benefit.

It's nice that you think you're entitled to make that decision. However, until you're promoted to Secretary of State for the DWP, It's not up to you, is it?
Incidentally, its called Universal Credit.

Katemax82 · Yesterday 09:06

No one would believe my family get UC on what my husband earns but it's simple. You get an award made up of many elements. Then they take off (in my case) carers allowance and 55% of your income after the first 427. If your award is high you can get it if you earn ok. We have 2 disabled kids on our award, 3 kids in total, and high rent so still get it

LilyBunch25 · Yesterday 09:07

roaringdragon · 25/09/2026 20:18

Unless they have another element, a single person on £34k with 1 DC wouldn’t be eligible for UC. That applies even if they don’t have any savings/other capital.

The calculation is:
Standard element £424.90
Child element £351.88
=Total UC award £776.78

Say earnings of £2.5k per month (which is more than £34k would be but for ease of calculation) - work allowance
£2500 - £710 = £1790

Earning deduction
£1790 x 0.55 = £984.50

So, as you can see, the earning deduction would wipe out the UC award.

The elements are slightly less if the single adult is younger than 25 or their DC wasn’t born before 6/4/2017.

This makes the immediate assumption that they are a mortgage payer/home owner though? As there is no housing element on your calculation? It is housing costs that generally trigger a UC entitlement in these circumstances. So you can't say "wouldn't be entitled to"

LilyBunch25 · Yesterday 09:09

roaringdragon · 25/09/2026 20:24

Many will be eligible for those, yes, but the poster I quoted was responding to a single parent with 1 DC who said she isn’t eligible, and the poster I quoted said “a single parent on £34k with a dependent and presuming fits the parameters - would get UC.” so I was explaining that it is possible for a single parent with 1 DC to not be eligible even if they earn £34k.

Indeed; but you still shouldn't have stated "wouldn't be entitled to" based on what you set out.

MyLimeGuide · Yesterday 09:12

Nope that doesn't surprise me unfortunately.

peppy23 · Yesterday 09:25

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".

its not benefits that are out of control, it’s the things they’re having to cover like ever rising housing costs, fuel costs, childcare costs, food…

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