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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:
Locutus2000 · 28/04/2026 15:17

ThreadGuardDog · 28/04/2026 15:08

Why. It’s perfectly true. You can’t pick and choose - you’re awarded according to your circumstances.

It reinforces the whole narrative that people on benefits get more than they need.

HeadDeskHeadDesk · 28/04/2026 15:18

mycheeseplantiscalledcharles · 28/04/2026 14:02

DH was in a professional role and doing his doctorate when the twins were born. Our lives took a completely different turn and he did not cope well with it. I now suspect he is autistic. I am very much a positive person and when under pressure I am on autopilot. He completely crumbled, basically took to his bed and it was more or less a downward spiral from there. I believe the counselling he had was very detrimental, it caused him to become more self absorbed and resentful of me that I was not "caring" for him. His counsellor told him that whilst I was busy, I wasn't prioritising him. I absolutely want, he was a grown assed adult and we had 3 DC under 2 to look after, one of whom was in hospital for months. We don't live together but he is invested in the DC, even if it's not the way he should be. He isn't a bad person, but has his own issues and quite frankly I am not prepared to be a carer for another person.

My God, you are saint. How can you even look at him with anything other than contempt? I hope his parents have told him how fucking useless and self absorbed he is.

cantthinkofagoodusername1 · 28/04/2026 15:19

OP you are an incredibly strong woman.

mycheeseplantiscalledcharles · 28/04/2026 15:20

oustedbymymate · 28/04/2026 15:00

Do you worry that you might not have security for when you are older?

This terrifies me in terms of housing. I should qualify for full state pension and I'm happy enough to have that, but as a private renter know that is a very dangerous position. I was in the same private rental for 10 years and it gave me a very false sense of security. In my city the rental market has gone mad and even if you can afford it then competition is very steep. As someone on UC with no work history and no credit score (I've never taken anything on credit) I'm not a good candidate. I'm really hoping to get any sort of council/social housing to give a bit more security.

OP posts:
HeadDeskHeadDesk · 28/04/2026 15:22

mycheeseplantiscalledcharles · 28/04/2026 14:23

Also re benefits, after volunteering in debt management I've come to the conclusion that those just above the poverty line are the worst off. The reality of the matter is that a lot of people are in debt because they have made bad choices and no amount of extra benefits is going to alleviate their dc's poverty. I hate the fact that we are a poverty statistic, because I don't feel it. We've always had food, warmth and adequate clothing. When my DD started secondary school she (as a FSM pupil) was told to stand in a separate line in the canteen and she was really shocked that she was in the "poor line" as she saw it. That was devastating for me and it really knocked her confidence.

Really? I had free school meals a million years ago, before anyone gave a stuff about things like cultural capital or equity, or stigmatising poor people and I never had to do that.

mycheeseplantiscalledcharles · 28/04/2026 15:24

Locutus2000 · 28/04/2026 15:17

It reinforces the whole narrative that people on benefits get more than they need.

I'm not just a standard benefits user, I had 2 severely disabled children. A very significant chunk was because of the severe disability element and obviously that was X2. It's not the case that people on benefits are raking it in. Now I get £411 pcm and £360 is deducted as I get CA. It's not exactly going to facilitate a dream life.

OP posts:
xxxlove · 28/04/2026 15:25

citation: I have always felt comfortable financially and never had any debt. AMA.

this just answered all the questions I might have regarding the financials but I will be curious to hear the whole story, what you worked before, what did happen, did you lose a mortgage, did you move to a council property, what happened to your children and what you think will happen to them in their future when you will be gone.

Redrosesposies · 28/04/2026 15:27

Acutissima · 28/04/2026 12:07

Op. I just need to state to all bitchy nasty judgemental responses to this thread, that you have NOTHING to explain, justify or discuss unless you're totally comfortable. Their opinions are uninformed and ignorant.

You get the money you and the DC are ENTITLED TO. Because of their differences. Because of their needs. Because we are a supposedly developed society. Because they are human beings and they deserve it.

You sacrificing the chance for a "usual" life to care for them will have saved the taxpayer (the shitty posters on here) many many thousands of pounds. This is an easily checked FACT, for all the haters and doubters and right wing miseries who have been blinded by privilege and jealousy.

People are so quick to judge, they haven't got a fucking clue. They don't know what's best. They don't have the intelligence to realise that disability can strike anyone, them included, their children, at any time. And if it happened, they'd instantly claim everything they are ENTITLED TO (rightly so) and change their awful tune pretty rapid.

You are a wonderful, loving parent. Your sacrifices and selfless years of hard effort to keep you all afloat speak so highly of you as a person. Your exh is a piece of shit.

Well at this point on the thread absolutely nobody has made any bitchy comments about the OP's position and all have been nothing but supportive. The vast majority of people think that this is absolutely what the benefits system is for.
The fact that the OP has recently been able to find work that fits around her children's needs and that she gives back to the community where she can is admirable.
Maybe you need need to rethink your strident, entitled attitude.

mcmooberry · 28/04/2026 15:28

mycheeseplantiscalledcharles · 28/04/2026 14:23

Also re benefits, after volunteering in debt management I've come to the conclusion that those just above the poverty line are the worst off. The reality of the matter is that a lot of people are in debt because they have made bad choices and no amount of extra benefits is going to alleviate their dc's poverty. I hate the fact that we are a poverty statistic, because I don't feel it. We've always had food, warmth and adequate clothing. When my DD started secondary school she (as a FSM pupil) was told to stand in a separate line in the canteen and she was really shocked that she was in the "poor line" as she saw it. That was devastating for me and it really knocked her confidence.

Disgraceful of the school to draw any attention whatsoever to children on FSMs

Lovingapeacefulgarden · 28/04/2026 15:28

mycheeseplantiscalledcharles · 28/04/2026 14:23

Also re benefits, after volunteering in debt management I've come to the conclusion that those just above the poverty line are the worst off. The reality of the matter is that a lot of people are in debt because they have made bad choices and no amount of extra benefits is going to alleviate their dc's poverty. I hate the fact that we are a poverty statistic, because I don't feel it. We've always had food, warmth and adequate clothing. When my DD started secondary school she (as a FSM pupil) was told to stand in a separate line in the canteen and she was really shocked that she was in the "poor line" as she saw it. That was devastating for me and it really knocked her confidence.

Your dd having to stand in a separate line is shocking. In my area the money is loaded by the council onto the childs lunch account and parents do the same. Nobody would know who gets funded lunches and who doesnt which is exactly how it should be.

Also I know plenty of people who are in debt because of bad choices. They spend there food budget on botox, nails or something else then cannot afford to feed there kids so you are right that no amount of extra money will change this situation because they continue to do the same.

Lovingapeacefulgarden · 28/04/2026 15:30

mycheeseplantiscalledcharles · 28/04/2026 15:20

This terrifies me in terms of housing. I should qualify for full state pension and I'm happy enough to have that, but as a private renter know that is a very dangerous position. I was in the same private rental for 10 years and it gave me a very false sense of security. In my city the rental market has gone mad and even if you can afford it then competition is very steep. As someone on UC with no work history and no credit score (I've never taken anything on credit) I'm not a good candidate. I'm really hoping to get any sort of council/social housing to give a bit more security.

How likely are you to get a council house? Do you have a disability social worker that can support you getting one?

Minnie798 · 28/04/2026 15:30

Do you mourn the life that you and dc could/ should have had?

Lugol · 28/04/2026 15:30

Acutissima · 28/04/2026 12:07

Op. I just need to state to all bitchy nasty judgemental responses to this thread, that you have NOTHING to explain, justify or discuss unless you're totally comfortable. Their opinions are uninformed and ignorant.

You get the money you and the DC are ENTITLED TO. Because of their differences. Because of their needs. Because we are a supposedly developed society. Because they are human beings and they deserve it.

You sacrificing the chance for a "usual" life to care for them will have saved the taxpayer (the shitty posters on here) many many thousands of pounds. This is an easily checked FACT, for all the haters and doubters and right wing miseries who have been blinded by privilege and jealousy.

People are so quick to judge, they haven't got a fucking clue. They don't know what's best. They don't have the intelligence to realise that disability can strike anyone, them included, their children, at any time. And if it happened, they'd instantly claim everything they are ENTITLED TO (rightly so) and change their awful tune pretty rapid.

You are a wonderful, loving parent. Your sacrifices and selfless years of hard effort to keep you all afloat speak so highly of you as a person. Your exh is a piece of shit.

What the fuck are you on about? Nobody has posted a judgemental or nasty response to the OP 😳
Or they certainly hadn't up till you posting.

CharleneElizabethBaltimore · 28/04/2026 15:38

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?

id say thats down to businesses not paying proper wages for the roles people do

mycheeseplantiscalledcharles · 28/04/2026 15:46

Lovingapeacefulgarden · 28/04/2026 15:28

Your dd having to stand in a separate line is shocking. In my area the money is loaded by the council onto the childs lunch account and parents do the same. Nobody would know who gets funded lunches and who doesnt which is exactly how it should be.

Also I know plenty of people who are in debt because of bad choices. They spend there food budget on botox, nails or something else then cannot afford to feed there kids so you are right that no amount of extra money will change this situation because they continue to do the same.

This was a grammar school with very few FSM pupils. DD had no idea were were "poor" and she was upset about it. I queried this with the school and they said it couldn't be helped. Towards the end of her time at school they moved over to an online system where everyone used their thumbprint as recognition and this avoided this.

OP posts:
mycheeseplantiscalledcharles · 28/04/2026 15:51

Lovingapeacefulgarden · 28/04/2026 15:30

How likely are you to get a council house? Do you have a disability social worker that can support you getting one?

Not very likely, or at least not very soon. I have a high banding but so do thousands of others. We did have a disability social worker since the boys were one until about 15. They amalgamated 3 Trusts into one and our SW got her caseload trebled, so she kindly requested that she discharge us as we are managing well. In honesty she couldn't really do much anyway, cuts are affecting all services, but it was a helpful service for getting the boys into their schools.

OP posts:
Lovingapeacefulgarden · 28/04/2026 15:51

mycheeseplantiscalledcharles · 28/04/2026 15:46

This was a grammar school with very few FSM pupils. DD had no idea were were "poor" and she was upset about it. I queried this with the school and they said it couldn't be helped. Towards the end of her time at school they moved over to an online system where everyone used their thumbprint as recognition and this avoided this.

Disgraceful on the schools part. No child should be made to stand in a separate line because of how lunch is charged.

Hallamule · 28/04/2026 15:53

ERthree · 28/04/2026 14:54

The Father done a runner.

That's not entirely the case if you read the OPs later posts. But certainly he provides little support to her due to his own disabilities.

mycheeseplantiscalledcharles · 28/04/2026 15:54

Minnie798 · 28/04/2026 15:30

Do you mourn the life that you and dc could/ should have had?

I don't think so, but wish things were easier for them. I'm mournful about how my DD has been impacted, I've done my best for her but it's always in the back of my mind.
Edit: if anything I feel mournful for the life DH should have had. Very high achiever, could turn his hand to anything. He was the type that could talk on any subject and provide a solution for everything, and that was what really attracted me to him. He's an absolute shell of his former self. His parents were deeply embarrassed/ashamed/disappointed by his breakdown which affected him badly.

OP posts:
thatsgotit · 28/04/2026 16:00

mycheeseplantiscalledcharles · 28/04/2026 14:14

Sorry I'm not keeping up with all the posts but to answer a few questions. I'm very ashamed of how much I receive, when I first went on benefits I was horrified at the amount (which admittedly was only so high as both boys getting severely disabled element) and I said to a lady in the job centre that I didn't need the full amount. She looked at me as if I had ten heads and said I couldn't pick and choose and that I had to take it all. For some reason I've always hated income support, that in particular made me feel very low.

I've volunteered with CAP and many people in my situation are in spiralling debt. I'm very fortunate in that I come from a fairly stable family and my parents were very financially astute, from a very young age I was aware that you have to live within your means. I buy nearly everything second hand, I'm not interested in status items or designer names and I value experience over things.

Don't feel ashamed, OP. You need it and you're entitled to it.

CharleneElizabethBaltimore · 28/04/2026 16:01

1. Smoking or vaping routine
If he doesn’t smoke inside, stepping out repeatedly for a quick cigarette or vape would easily produce 15–20 short trips a day. Each outing would be brief, habitual, and spaced in a way that looks almost mechanical from the outside.
2. Restlessness or anxiety-driven pacing
Some people manage stress, boredom, or anxiety by moving in and out of confined spaces. It can become a loop: step outside, reset, come back in, repeat. The frequency you’re describing fits that kind of behavioral rhythm more than any practical errand.
3. Caring for something just out of view
He might be checking on something nearby that isn’t obvious from your vantage point—e.g., a shared alley, a parked vehicle further down the road, bins, a storage unit, or even feeding an animal. Ten-minute cycles suggest “monitoring” rather than “travel.”
4. Delivery or informal work pattern
Not all work looks like a 9–5. He could be involved in small-scale, local activity—meeting couriers, exchanging items, or handling staggered pickups/drop-offs. That would explain the repetition, short duration, and lack of visible visitors.

itsmeecathy · 28/04/2026 16:01

Do your boys contribute to the home from their benefits? How does this work, do you transfer a certain amount to yourself for the shared household ? I’m just wondering how it works when you go from receiving additional for your children, to them being adults and needing to contribute to their home.
don’t feel bad for your situation, you are doing the best you can with what’s available. Your family is who the benefits system should support.

mycheeseplantiscalledcharles · 28/04/2026 16:01

thatsgotit · 28/04/2026 16:00

Don't feel ashamed, OP. You need it and you're entitled to it.

Thanks. I feel I invested it wisely.

OP posts:
cantthinkofagoodusername1 · 28/04/2026 16:06

Can you describe for us what an average day looks like for you?

mycheeseplantiscalledcharles · 28/04/2026 16:13

itsmeecathy · 28/04/2026 16:01

Do your boys contribute to the home from their benefits? How does this work, do you transfer a certain amount to yourself for the shared household ? I’m just wondering how it works when you go from receiving additional for your children, to them being adults and needing to contribute to their home.
don’t feel bad for your situation, you are doing the best you can with what’s available. Your family is who the benefits system should support.

Yes they do, I couldn't pay the rent otherwise. I receive their PIP into my account but their UC goes into their own accounts. I'm not really sure why as I'm their appointee but I didn't contest it. I use their cards to pay for services for them (OT, swimming instructors, other therapies) and make a note of what was spent incase I'm asked.

OP posts: