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AMA

I'm a long term benefits user: AMA

264 replies

mycheeseplantiscalledcharles · 28/04/2026 11:05

I won't bore you with the long back story but to sum it up I had a professional career then two of my DC were disabled, needing FT care. They are now 19 and I've been on income support and now UC for 18 years. I have always felt comfortable financially and never had any debt. AMA.

OP posts:
AintNoPunshineWhenShesGone · 28/04/2026 12:43

LucyLancaster · 28/04/2026 12:39

Do you think it’s fair that those on benefits are not in debt, but the tax payers paying the benefits often are?

If life was fair, the OP wouldn't have had to give up her career to care for her disabled children.

And her husband would've stuck around to help.

3WildOnes · 28/04/2026 12:43

Why have they left education already? Why not keep them at college until they are 24 or entoled on supported internships if they are able?
I think it would be much kinder to get them settled in supported living when they are younger and more adaptable than waiting until you pass.

TeaForCat · 28/04/2026 12:47

LucyLancaster · 28/04/2026 12:39

Do you think it’s fair that those on benefits are not in debt, but the tax payers paying the benefits often are?

I’m sure OP could easily be in debt if she wasn’t careful. Let’s not pretend that people on benefits are living the high life, it’s mumsnet not the daily mail. 😉

Lifeomars · 28/04/2026 12:48

how much impact has the cost of lving crisis had on you and your family?

coolwind · 28/04/2026 12:49

Do you feel sad that you won't be able to leave your kids an inheritance or give them a leg up to get on the housing ladder?

WTAFIsWrongWithPeople · 28/04/2026 12:53

mycheeseplantiscalledcharles · 28/04/2026 12:06

I had been with DH since university and we got married when I was 22. Had DD at 23 which wasn't planned but was fine, then went for baby #2 a year later to get them 'out of the way'. As the saying goes, we plan and God laughs!

So you have a partner who presumably works? It’s just interesting because your posts are very “me and my children” and not “us and our children”.

What does your DH do for work and why was it you that sacrificed your career entirely rather than find a way to share the load?

SweetValleyHighPriestess · 28/04/2026 12:57

mycheeseplantiscalledcharles · 28/04/2026 12:41

Re the security comment. When I was on legacy benefits I did feel a sense of security. I rarely got contacted, just had to do a carers assessment every two years. With UC it's a lot less secure. When I moved from tax credits to UC I was hit with an overpayment for £2300 through no fault of my own and this was deducted from my UC. If you miss any notification on your journal (and I'm responsible for 3 journals) your UC can be suspended. The last 2 months I've had more money deducted than I should have and I've had to chase that up. You need to be savvy and literate to understand the messages and updates they send.

On your UC journals write in bold ‘COMPLEX NEEDS’. You don’t have to explain more but this means DWP cannot sanction payments without speaking with you first.

JustAnotherWhinger · 28/04/2026 12:58

WTAFIsWrongWithPeople · 28/04/2026 12:53

So you have a partner who presumably works? It’s just interesting because your posts are very “me and my children” and not “us and our children”.

What does your DH do for work and why was it you that sacrificed your career entirely rather than find a way to share the load?

Try reading all her posts. Her DH is not around in a helpful way whatsoever.

BridgetJonesV2 · 28/04/2026 13:06

I have worked in care, and saw many a woman crumple by the strain of having adult children with disabilities - all of whom said that any physical and financial support ended when they become adults. The saddest was a woman in her 80s whose son in his 50s who was still living at home, and due to his complex needs was often violent and very unpredictable. We had to go in 2 carers at a time as the risk was deemed so high, yet she was left to live with him and had had no life at all since she'd given birth to him. I was honestly scared by him.

You don't sound like the average benefit claimant OP. You've probably saved the Government an absolute fortune in terms of caring for your children.

InterviewGhost · 28/04/2026 13:06

mycheeseplantiscalledcharles · 28/04/2026 12:17

As of yet no plan, this is terrifying but I need to think ahead. I really don't want them to have to go into residential care while I'm alive. They both have different types of needs so even getting them in somewhere together would be very difficult. I do not want dd1 to have to do any caring so need to set the ball rolling.

This is off topic to your AMA, but I am a sibling to a disabled DB who requires specialist and residential care. Our ‘D’M flatly refuses to consider it, and when she dies it will be mayhem. Please, please look at this now. I know it feels atrocious and impossible but don’t leave it before it’s too late. Currently DM’s default position is that my siblings and I will pick up where she leaves off. We don’t and won’t agree to this.

nixon1976 · 28/04/2026 13:13

You sound like you are doing an incredible job.

I'm sorry your husband is such an enormous dick. Does he not contribute anything time wise or financially?

StephensLass1977 · 28/04/2026 13:16

Why are you unable to work now? Are you also disabled? Which, depending on severity, does not mean you can't work.

It grates when people on benefits can describe themselves as "comfortable and debt free" when this is a pipe dream to a lot of people who graft every day.

Pollyanna87 · 28/04/2026 13:17

mycheeseplantiscalledcharles · 28/04/2026 12:34

The security has been a lifesaver. My main issue now is that I'm a private renter which has become extremely precarious. We were in a perfect for us house for 10 years and then the landlord sold and we've had to move several times in five years. I'm now on the housing list and in temporary accommodation in a house with no downstairs toilet which is a bit of a nightmare. My main worry is about housing, I will feel a lot better if/when we get a council/SH property. The list is mad though, we haven't moved position in two years.

Can you go to the local authority and basically give them an ultimatum that either you need the downstairs loo or your DT1 must go into residential care? I know you wouldn’t do that, but surely they’d rather get you a suitable house than have to put DT into a residential?

WTAFIsWrongWithPeople · 28/04/2026 13:18

JustAnotherWhinger · 28/04/2026 12:58

Try reading all her posts. Her DH is not around in a helpful way whatsoever.

I thought I had but missed that one. What an absolute arsehole.

New question, how did staying married benefit the situation because I’m not sure I could have tolerated him for a nanosecond after that revelation.

x2boys · 28/04/2026 13:18

duchyorganiclettuce · 28/04/2026 12:15

The security sounds nice but I honestly wouldn't trade places with you.

Yes im not sure anyone would choose to chsnge places with a parent of two severly disabled children.
Op is there not an option for your twins to continue in Education untill they are 25?
My son is severley autistic
And is currently in year 11 at a special school for children with severe and profound learning disabilties,
He will attend the schools " sixth form" for three years from september
And after that a special needs college that he can attend untill hes 25.

BoredZelda · 28/04/2026 13:20

Nanalovesnature · 28/04/2026 11:31

Do you still care for your adult children full time. You are not telling us anything we don't already know by stating that you are comfortable financially, we know the benefits system is very generous. Those of us who work and have never claimed benefits are very happy for people who have real disabilities getting benefits, what we do object to is the millions of people pretending/faking/fabricating conditions because they can't be arsed working.

No it isn’t.

No they aren’t.

Shallotsaresmallonions · 28/04/2026 13:22

StephensLass1977 · 28/04/2026 13:16

Why are you unable to work now? Are you also disabled? Which, depending on severity, does not mean you can't work.

It grates when people on benefits can describe themselves as "comfortable and debt free" when this is a pipe dream to a lot of people who graft every day.

Because she's still caring for her two adult children? Where do you think they went?

x2boys · 28/04/2026 13:22

StephensLass1977 · 28/04/2026 13:16

Why are you unable to work now? Are you also disabled? Which, depending on severity, does not mean you can't work.

It grates when people on benefits can describe themselves as "comfortable and debt free" when this is a pipe dream to a lot of people who graft every day.

Becsuse shes caring for two disabled adults full time ,who would care for them when she,s working?

JustAnotherWhinger · 28/04/2026 13:25

StephensLass1977 · 28/04/2026 13:16

Why are you unable to work now? Are you also disabled? Which, depending on severity, does not mean you can't work.

It grates when people on benefits can describe themselves as "comfortable and debt free" when this is a pipe dream to a lot of people who graft every day.

Are you offering to care for her children while she works?

Them being adults does not remove their need for FT care (and very often lessens help people get).

The OP is a full time carer to two disabled people. She “grafts” considerably more than most people in most jobs!

Random321 · 28/04/2026 13:28

Your children are so lucky to have you.
No questions, just admiration for you and zero for your husband.

Beavis8 · 28/04/2026 13:37

Op, I'm really sorry that life dealt you those cards. I'm genuinely glad that our benefits system has helped you and your family ❤️

ThreadGuardDog · 28/04/2026 13:37

TeaForCat · 28/04/2026 12:31

Security? What an odd comment.

It’s an ignorant comment. Living on benefits gives no security because you could be arbitrarily reassessed for the slightest change in circumstances - especially with PIP.

ThreadGuardDog · 28/04/2026 13:39

BoredZelda · 28/04/2026 13:20

No it isn’t.

No they aren’t.

And no, in my experience MN isn’t happy for anyone to have benefits, regardless of disability. So many of these threads end up echoing the ‘everyone can do something’ mantra.

mycheeseplantiscalledcharles · 28/04/2026 13:41

3WildOnes · 28/04/2026 12:43

Why have they left education already? Why not keep them at college until they are 24 or entoled on supported internships if they are able?
I think it would be much kinder to get them settled in supported living when they are younger and more adaptable than waiting until you pass.

Because although their EHCP is until they are 23 currently, that does not mean adequate provision is available. This varies quite wildly across the UK. There are a lot of disabled young adults who are supposed to be in educational settings and it just isn't happening.
Residential care will happen when I'm no longer able. For now, their needs are best met with me at home. I can give them what they need to maximise their quality of life. The standard of residential care can vary wildly and the LA will find the bare minimum. It can be devastating for parents who are no longer able to care for their DC to see the condition they are living in. Carers are very poorly paid and receive very little training and it can really show. Some adults don't leave their beds for the whole day. I will not be prepared to go down this route until I feel my care is less than that of somewhere outside the home.

OP posts:
mycheeseplantiscalledcharles · 28/04/2026 13:42

Sorry for typos!

OP posts: