3K a month benefits

[applecrumble03]

I had made a previous post which I believe had been taken down over a lady giving me £10 for no reason, in no way was that post to brag about my benefits I had stated how much I get a month to show I’m not struggling for money so the only reason can be I was judged on my appearance and then someone had asked if this is benefits which I said yes as I have no reason to lie. I have read a few notifications on my drop down and people saying I’m doing this to wind people up and there is no way I get 3K a month benefits, I was asking a genuine question. Some comments were quite rude. So here is how -

Universal credit for me and 2 kids plus LCWRA
£1775 - my rent gets taken straight from this I get paid £1225
high rate adult disability payment £734
Child disability payment x2 £868
Child benefit £42 a week
Scottish child payment £213

minus rent £3208 paid directly to me per month.

Now no this is not fair to people who have to work. However they are able bodied people and it’s not my fault I would much rather be healthy and live a normal life.

You can say ideally if you want. But, as I said, an individual isn’t getting £1k pm in disability benefits plus motabilty. Neither are they getting £3k pm plus rent.

This is going around in circles.

If you have a specific example to explore in term of financials then do share. I suggest not the OP as this expands to children.

@PinkFruitbat
Heres the amounts

As of April 2025, if you are awarded the enhanced rate for both the daily living and mobility components of Personal Independence Payment (PIP), the total amount is
£187.45 per week.

breakdown of the weekly payments:

• Enhanced Daily Living: £110.40
• Enhanced Mobility: £77.05
• Total Weekly: £187.45

Total Annual Payment
Based on this weekly rate, the total annual amount for both enhanced components is £9,747.40 (assuming 52 weeks).
Motability scheme: If you receive the enhanced mobility component, you can choose to exchange it for a vehicle

PIP is not taxed.

that equates to £812.28 per month

PIP is not dependent on whether or not you are entitled to UC

An example of one disabled adult aged 50.

They receive £400.14 per month in UC. If they are eligible for LCWRA there is an extra £423.27. So, that is £823.41 per month.

Enhanced of both PIP components is £749.80 per 4 weeks. However, if they use the motabilty scheme they only receive £441.60 because the rest goes to motabilty. Average this out to £478.40 per month ((441.60 x 13) / 12)).

So a disabled person on enhanced of both PIP components using the motabilty scheme and on UC with the LCWRA element receives a total of £1301.81 per month.

If they rent they will receive a housing element. I haven’t included that in the calculation because the amount depends on if it is a council/HA property or a private rental and if it is a private rental where they live.

All the figures are online if you really wanted to know.

I know the amounts. I didn’t say PIP was taxed or that is was based on whether someone is eligible for UC or not. It doesn’t equate to that per month if they are using the motability scheme as the pp said.

Useful. Very useful.

so these numbers are independent of say unemployment income and rental benefit?

(and we are excluding any child benefits here).

@2x4greenbrick the post was for @PinkFruitbat
on the end of yours only as an extension to the conversation

PIP is separate to UC, yes.

But I included UC in the example I posted. If that is what you mean by unemployment income.

UC also includes a housing element for the vast majority who rent (there are some exceptions e.g. those in certain supported living arrangements). For the vast majority, there isn’t a separate rental benefit. For the minority of exceptions there is still housing benefit instead of the housing element. But it is not as well as.

There must also be a sickness benefit or unemployment benefit if you are working age and not earning?

UC is what you are meaning. UC replaced several different benefits including income based JSA and income-related ESA. The ‘sickness’ part of UC is the LCW/LCWRA element.

If someone has recently worked enough to have enough NI contributions, they can claim New Style JSA or New Style ESA if they meet the criteria. These are the new versions of contribution based JSA/ESA. The money from these is deducted from UC £ for £.

Why is my search re benefits single person enhanced PIP coming up with different figures??

Its no wonder people find it all so confusing

Here's a breakdown of the components:

Example Calculation (Single Person, Rent, Enhanced PIP):

• UC Monthly: £400.14 (Standard) + £423.27 (LCWRA) + Housing = ~£823.41 + Housing.
• PIP Weekly: £187.45 (Enhanced Daily Living + Enhanced Mobility).
• Approx. Weekly Total: (£823.41 / ~4.33 weeks) + £187.45 = £190.16 + £187.45 = *£377.61 per week*, plus any Housing costs.

£377.61 x 52 =£19,635.72/12=£1,636.31 pcm

£1,633.31 per calender month

plus housing costs ( rental as applicable and variable by area and type of housing )

Useful thanks.

Local Housing Allowance for Swindon (random I know) for say a one bedroom flat is £155 a week / £8k a year.

https://www.swindon.gov.uk/info/20013/benefits_and_swindon_money_matters/117/local_housing_allowance_for_private_tenants/2

Taking Apockedfulofrye’s figure of £19.5k. And LHA that’s £28.5k. Equivalent to around a £35k salary (roughly the national average).

You aren’t coming up with different figures. You are just using AI which doesn’t understand the nuance of the question which you aren’t realising. This is why AI should be used with caution for things like this.

You said “UC Monthly: £400.14 (Standard) + £423.27 (LCWRA) + Housing = ~£823.41 + Housing.”

My post said “They receive £400.14 per month in UC. If they are eligible for LCWRA there is an extra £423.27. So, that is £823.41 per month.’

You said “PIP Weekly: £187.45 (Enhanced Daily Living + Enhanced Mobility).”

My post said “Enhanced of both PIP components is £749.80 per 4 weeks. However, if they use the motabilty scheme they only receive £441.60 because the rest goes to motabilty. Average this out to £478.40 per month ((441.60 x 13) / 12)).”

You have given the weekly amount and haven’t deducted the mobility component that goes to motabilty if someone has a motability car (as pp said). I have given the 4 weekly amount with and without the mobility component and then averaged it without to monthly so that I could add it to the UC figure to make a monthly total.

You said “plus any Housing costs.”

My post said “If they rent they will receive a housing element.”

Your post is slightly misleading in that for many the housing element does not cover all the housing costs.

But that isn’t ‘£3k average salary equivalent + another £1k to cover disabilities + rent paid + motability’.

And they wouldn’t be receiving the amount posted by pp if they had a motabilty vehicle.

And remember disabled households on average need more than £1k extra per month to have the same standard of living as non-disability households.

An remember the LHA often does not cover the whole cost of rent for those in private rentals.

I see, thanks
That explains it as I wasn’t looking to deduct the motability

Whilst claimants wouldnt be receiving the motability payments in cash, as it were, if they put it towards a vehicle they are obviously still benefiting from that as a benefit to them
It is still a sum granted to them for their use and choice of how to use it whether it’s cars or other transport

I think it’s confusing to ignore it when it is a given benefit and as @PinkFruitbat was querying the actual numbers

It does vary hugely by area and of course is dependent on whether you live alone, need a carer etc
Heres another random areas housing allowance
(my home town )

A one bed studio starts at around £170 a week
but in many areas the housing allowance does not cover the rent

It is not confusing to point out it isn’t received in money when if you read the conversation it was the pp who said ‘+ motability’. I wasn’t ignoring it, it was in the ‘+ motabilty’ part of the pp’s post.

I agree the £3k ++ stated is not correct

Just giving pink the total sums here including everything

Ps
that one bed studio @£170/week is actual cost based on the current rental market

And if you look on Rightmove, there is not a single property available in that price range. Not one. I am not counting HMOs as they really should not be the default for long term homes, and certainly not for people in their 40s and beyond.
People on UC who are renting privately have to make up the shortfall themselves. If you are a single person on £400pm, then you are looking at at least £100 going on rent, and the rest is for council tax, bills, food etc.

Yet Rishi Sunak with £651 million in wealth pays less tax than me....we don't believe the bullshit anymore.

You pay more than £500k a year in tax?

i doubt it.

https://www.bbc.com/news/uk-politics-68253857