Meet the Other Phone. A phone that grows with your child.

Meet the Other Phone.
A phone that grows with your child.

Buy now

Please or to access all these features

Chat

Join the discussion and chat with other Mumsnetters about everyday life, relationships and parenting.

See all MNHQ comments on this thread

3K a month benefits

449 replies

applecrumble03 · 19/03/2025 10:22

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.

OP posts:
crumblingschools · 19/03/2025 15:26

Where does the DC's dad fit in? Are you together, does he earn or does he pay you maintenance?

Justapunta · 19/03/2025 15:26

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

jewelcase · 19/03/2025 15:27

NotTheDebtDoctorWithTheHungryScalpel · 19/03/2025 14:53

I disagree.

My situation is that I worked for almost 30 years, then i got cancer, then had a stroke and could no longer work. My dd started having some symptoms around the same time that we thought was stress related, however it turns out it is a type of epilepsy which is getting worse as time goes on. I also have other children.

Had I been able to continue working I would have had a steady income, increasing each year, with opportunities and promotions and been able to top up my pension.

Why, in my situation, should my children and I have to just be given enough for food and housing and thats it?

For starters I use my disability benefits for private physio for myself (which wouldnt be considered necessary because the NHS provided 6 appointments), dds disability money goes on a tutor as she can only attend very part time school (also woukdnt be considered essential as she attends part time school), I also need to buy her books, subscription to home schooling sites etc so her health doesn't impact her education any further, and she goes weekly to a therapist because her life has changed a ridiculous amount due to her disability (also wouldn't be considered essential as the NHS provided 6 sessions)

I also can't drive due to the stroke, and dd can't use public transport (she would get that free up here) so there's the taxi money to get to our multiple appointments as well (wouldn't be considered essential as dd gets free bus travel).

If I was just given the absolute minimum then I would have no hope of improvement because I couldn't afford the help to get any better, and dd would be stuck with little to no education, and no prospects, and she wouldn't be able to get to her appointments to get the right medications hopefully to try and control her epilepsy.

That's as well as my other dc being impacted because I couldn't afford to feed and clothe them either.

It's easy to look at the money and decide its not fair, but it's also not fair that I got cancer and its definitely not fair that my 14 year okds world is so small, her health is so bad at the moment that she has no life outside of these 4 walls.

Be jealous of the money all you like but you can also take the chronic pain, the lack of ability to move and the stress of your child having seizures alongside it and see if its worth it to you.

It's not about holidays.

I’m sorry for your situation. And you’re right, it’s not about holidays. I was using holidays as a proxy for joy, which was your word.

Benefits should pay for essentials only. Of course that can include educational essentials for children if required. But our demographics and finances as a nation can support either essentials only for everyone classed as disabled, or more than that for a narrower group of people. We simply cannot have a situation where families who do not work are paid more in benefits than the wages of families who do work.

I actually think a partial solution could be found in expanding the idea floated by Labour yesterday around recognising more of the contributory nature of benefits. So where people have worked, paid taxes, entered into financial commitments etc (eg a mortgage) and then find that disability prevents them from continuing with their former lives, benefits are flexible to reflect this. I live in fear of something happening to me similar to what has happened to you. Because if it does, we’re financially screwed. But I can’t reasonably expect the state to continue to provide me with my current lifestyle if I no longer work (for whatever reason).

Interested in this thread?

Then you might like threads about this subject:

Userlosername · 19/03/2025 15:27

GinandTonic24 · 19/03/2025 15:24

I think the OP may actually have underestimated her income. I'd estimate it at closer to £4,491 per month.

Universal credit (monthly)
Standard allownace: £311.68 (under 25)
Child element: £621.25
Disabled child: £487.58
LCWRA: £416.19
Housing: £500 (based on what OP says)
Total: £2336.70

Weekly benefits:
Child benefit: £42.55
Scottish child payment: £53.40
Scottish disability payment (enhanced care): £108.55
Scottish disability payment (enhanced mobility): £75.75
Scottish child disability payment (highest rate care): £108.55 x2
Total per month: £2156.05

Along with that, the OP will also get Council Tax Support, worth on average £750 plus a 35% reduction in water charges.

To have this sort of income after tax and NI, you'd need to earn around £80k a year. Assuming you have no student loans or pension contribution.

Wow

Rosybud88 · 19/03/2025 15:29

meandmydoggy · 19/03/2025 15:08

And ?

It doesn't occur to you most mums would swap having a 52K job and a healthy kids as opposed to have a child with severe disablities and looking after the child?? Have you any experience of looking affter disabled kids? Thought not.

Fucks sake, the trolls on here....

Edited

Fuck sake yourself love. Trolls?!

Do you know me?
Do you know my life experience?

No you don’t, nor do I know yours, so wind your neck in.

meandmydoggy · 19/03/2025 15:30

WestwardHo1 · 19/03/2025 15:14

Someone having a different view on this than you does not make them trolls.

Absolutely.

Come off it, comments like 'fucking scandalous. And this much money is not necessary to cover the basics in life.'

there's a whole scrounger mentality at anyone who claims benefits, like they should be given enough for bread and water and unless they are vegetable, they should crawl to work like the rest of us.

I've never claimed benefits , the opposite, I'm from a wealthy background and in fact when I was contracting in the City in investment banking and the tax loop holes my accountant arranged for me opened my eyes, the real piss takers in society...the real scroungers.

We attack people on benefits, refugees, the disabled, its all the same, soft targets, deflect the people away from the massive runaway wealth inequality in the UK and the world. God forbid going for the huge corporations, CEO's and powerful who have all the political parties, Labour, Cons, especially Reform, in their pockets.

Crikeyalmighty · 19/03/2025 15:30

if you said on another post you were looking to have another baby - from the post you have just made and the situation with your children and you’ve just said ‘conditions worsen’ you really were not in a position to be having another baby surely as with 2 autistic children and you’ve appear to be on your own - and having another baby ? who with? Im not sure this is genuine-

Quinlan · 19/03/2025 15:31

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

How is she claiming single person benefits if she was going to try for another baby?
So, planning another baby and the dad is doing all the school runs. Doesn’t sound single parent to me.

MiddleAgedDread · 19/03/2025 15:32

ZoggyStirdust · 19/03/2025 10:48

It’s more than that, as this is after the rent has been paid. I’d guess that’s around another 10k so this is equivalent to a salary of over 60k

I earn over £60k a year and take home £3300 a month (putting 13% into pension but no other deductions). Scottish tax rates are higher too.
I'm actually disgusted by these figures.

Justapunta · 19/03/2025 15:32

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

ScienceFanGirl · 19/03/2025 15:34

meandmydoggy · 19/03/2025 15:30

Come off it, comments like 'fucking scandalous. And this much money is not necessary to cover the basics in life.'

there's a whole scrounger mentality at anyone who claims benefits, like they should be given enough for bread and water and unless they are vegetable, they should crawl to work like the rest of us.

I've never claimed benefits , the opposite, I'm from a wealthy background and in fact when I was contracting in the City in investment banking and the tax loop holes my accountant arranged for me opened my eyes, the real piss takers in society...the real scroungers.

We attack people on benefits, refugees, the disabled, its all the same, soft targets, deflect the people away from the massive runaway wealth inequality in the UK and the world. God forbid going for the huge corporations, CEO's and powerful who have all the political parties, Labour, Cons, especially Reform, in their pockets.

If you were quoting me there I didn't say that benefits should only cover bread and water. That is not what the necessities of life means. Although I suspect that you realise that.

But the equivalent of £52k for a 21 year old who doesn't work is ridiculous. And unaffordable. And a terrible life lesson for the rest of society.

meandmydoggy · 19/03/2025 15:36

Rosybud88 · 19/03/2025 15:29

Fuck sake yourself love. Trolls?!

Do you know me?
Do you know my life experience?

No you don’t, nor do I know yours, so wind your neck in.

OP breakdowns what they get legally in benefits and your observation

''You’d have to earn just under £52k to get that if you were working 😬''

Then pray tell, what was your post meant to mean then? Enlighten me.

Just a passing observation @Rosybud88 ??

meandmydoggy · 19/03/2025 15:38

ScienceFanGirl · 19/03/2025 15:34

If you were quoting me there I didn't say that benefits should only cover bread and water. That is not what the necessities of life means. Although I suspect that you realise that.

But the equivalent of £52k for a 21 year old who doesn't work is ridiculous. And unaffordable. And a terrible life lesson for the rest of society.

A 21 healthy , childless woman, yes. But guess what? We aren't talking about that here.....fucks sake.

pinkstripeycat · 19/03/2025 15:38

Its disgusting soneone should get this much in benefits. No one needs this much to live off of when sitting at home.

Pamalarrr · 19/03/2025 15:38

Just wow. I work with somebody who has a major physical disability, yet still manages to work full time and has her own mental health struggles. I don’t even earn that working full time. I’d love to be able to afford a cleaner.

Rosybud88 · 19/03/2025 15:39

Well why don’t you tell me seeing as you seem to think that you know everything?

Ironic you calling other people trolls now isn’t it?

Justapunta · 19/03/2025 15:41

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Cornishclio · 19/03/2025 15:42

Threads like this will continue to inflame those who like to bash those on benefits. This is not a typical family and it is in Scotland which is devolved. I never realised that they got free carers and cleaners if disabled in Scotland.

LBFseBrom · 19/03/2025 15:44

Pamalarrr · 19/03/2025 15:38

Just wow. I work with somebody who has a major physical disability, yet still manages to work full time and has her own mental health struggles. I don’t even earn that working full time. I’d love to be able to afford a cleaner.

There's not much point in making comparisons, everyone is an individual with their own struggles.

If we are able to work and enjoy it, let's be glad of that. Let's also be grateful that we have a welfare system, we don't know what is around the corner for us and may need it one day. We must support and prop it up, not criticise claimants. We are not them.

NotTheDebtDoctorWithTheHungryScalpel · 19/03/2025 15:44

jewelcase · 19/03/2025 15:27

I’m sorry for your situation. And you’re right, it’s not about holidays. I was using holidays as a proxy for joy, which was your word.

Benefits should pay for essentials only. Of course that can include educational essentials for children if required. But our demographics and finances as a nation can support either essentials only for everyone classed as disabled, or more than that for a narrower group of people. We simply cannot have a situation where families who do not work are paid more in benefits than the wages of families who do work.

I actually think a partial solution could be found in expanding the idea floated by Labour yesterday around recognising more of the contributory nature of benefits. So where people have worked, paid taxes, entered into financial commitments etc (eg a mortgage) and then find that disability prevents them from continuing with their former lives, benefits are flexible to reflect this. I live in fear of something happening to me similar to what has happened to you. Because if it does, we’re financially screwed. But I can’t reasonably expect the state to continue to provide me with my current lifestyle if I no longer work (for whatever reason).

But who is deciding what's essential in your system?

For example my dd is in school atm for 3 hours a week, her world is tiny and she has no social life at all.

I pay for a couple of subscriptions for her where she can go online and chat to people like her so she gets some interaction at least. That's not technically essential, but it's a real lifeline for her.

I already said the private things we pay for wouldn't be considered essential because we had the minimum NHS appointments.

The educational things maybe would if she was fully home schooled, but she's enrolled at school, even though it's very part time, so I would have to limit her world even more for her tutor and books to be considered essential.

This is the problem, when people are looking at the money, and wanting it reduced because some may take the piss, then its people like my dd and I that will be affected the most. We both want to be better, and the money is an essential part of that atm, if we don't have that then we are both stuck in the benefits cycle forever, my dd would very likely never have a job or contribute to society financially.

As it stands there's a good chance she will.

The state doesn't provide the lifestyle I used to have by any means, but we are comfortable enough at the moment, and it's shocking to think, after all we have been through, that it's begrudged.

babyproblems · 19/03/2025 15:45

AdventureCode · 19/03/2025 10:44

I can never understand how people can get worked up about this.
I'm glad as a disabled person you are supported to live your life if you aren't able to work. I'm also glad you're given more to also then get the help your disabled children need. I hope it's enough for you.

We are one of the richest countries in the world and to see people now feeling entitled to pick over what the vulnerable people should or shouldn't deserve to get is unbelievable. People are cross at the wrong things.

I agree with this to be honest. Why does everyone in the UK have a ‘race to the bottom’ mindset? Everyone is angry about all the wrong things.. Imo it’s really stupid to focus on how supportive the state is and get riled up about that, rather than focus on inequality which is largely caused by wages being kept deliberately low whilst a few at the top reap the rewards of everyone else’s’ hard work. Meanwhile Joe public are mostly working, busy, stretched, or bickering about how their neighbour gets more benefits than they do.

meandmydoggy · 19/03/2025 15:45

Rosybud88 · 19/03/2025 15:39

Well why don’t you tell me seeing as you seem to think that you know everything?

Ironic you calling other people trolls now isn’t it?

You say 3K is too much for this OP, so let's break this down . Where do you cut? They move into a cheaper housing? The children get smaller disablity payment? The OP?

You're in charge, what do you cut?

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

APocketFullOfRye · 19/03/2025 15:45

GinandTonic24 · 19/03/2025 15:24

I think the OP may actually have underestimated her income. I'd estimate it at closer to £4,491 per month.

Universal credit (monthly)
Standard allownace: £311.68 (under 25)
Child element: £621.25
Disabled child: £487.58
LCWRA: £416.19
Housing: £500 (based on what OP says)
Total: £2336.70

Weekly benefits:
Child benefit: £42.55
Scottish child payment: £53.40
Scottish disability payment (enhanced care): £108.55
Scottish disability payment (enhanced mobility): £75.75
Scottish child disability payment (highest rate care): £108.55 x2
Total per month: £2156.05

Along with that, the OP will also get Council Tax Support, worth on average £750 plus a 35% reduction in water charges.

To have this sort of income after tax and NI, you'd need to earn around £80k a year. Assuming you have no student loans or pension contribution.

£80k ! Plus extra for Council tax and water and I’m guessing free school meals

plus a free carer and cleaner
Does the Scottish Govn really think that much is needed

If so minimum wage needs to be increased hugely.
This isn’t sustainable

drspouse · 19/03/2025 15:46

Rosybud88 · 19/03/2025 10:28

You’d have to earn just under £52k to get that if you were working 😬

The OP will have tax taken off these I assume?
Child disability payments (at least, if they are like DLA) are paid to the child, not the parent, so the child doesn't pay tax on them.

Wildflowers99 · 19/03/2025 15:46

ScienceFanGirl · 19/03/2025 15:34

If you were quoting me there I didn't say that benefits should only cover bread and water. That is not what the necessities of life means. Although I suspect that you realise that.

But the equivalent of £52k for a 21 year old who doesn't work is ridiculous. And unaffordable. And a terrible life lesson for the rest of society.

Agree. There are families round here with 3 or 4 kids, all of whom have been diagnosed with ASD/ADHD. A couple of the mums are pregnant with a 5th or 6th baby. No doubt they’ll go on to get a diagnosis, DLA, then need thousands in support services, CAMHS, possible 1:1s at school…

I mean this wasn’t even a conversation 10 years ago. I didn’t even know about any of the above back then. That’s how fast this has all happened.

Swipe left for the next trending thread