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Do Universal Credit rules require work when you have young children?

223 replies

Chezza1990 · 07/04/2026 17:35

Does anyone know if there are any rules with having to have a job when you receive universal credit and have children? To put it into context I have 3 children aged 4 and under, my partner is self employed and im currently employed, however im struggling to maintain a healthy work life balance.

OP posts:
SpryTaupeTurtle · 08/04/2026 20:56

As a single person in work I only got UC when my wages were an absolute pittance - and not paying taxes. Uc is not a tax rebate on any level.

SpryTaupeTurtle · 08/04/2026 20:57

ExOptimist · 08/04/2026 20:55

No.
If you earned enough then you would have enough money to live on after tax and would not be entitled to claim benefits.

Your problem is not to do with how much tax you pay. You pay tax under the same regime as everyone else. You and your husband just don't earn enough.

Or they pay a lot in rent or they have disabled kids. It's not simply about how much they earn.

Choosos · 08/04/2026 20:59

ExOptimist · 08/04/2026 20:55

No.
If you earned enough then you would have enough money to live on after tax and would not be entitled to claim benefits.

Your problem is not to do with how much tax you pay. You pay tax under the same regime as everyone else. You and your husband just don't earn enough.

My man works full time, a white collar job, my grandfathers worked full time in blue collar jobs. White collar used to mean earning way more it’s not our fault times have changed and now we need a little uc to help out, we’re just a normal family who have adapted to the times.

Interested in this thread?

Then you might like threads about these subjects:

ExOptimist · 08/04/2026 21:12

Choosos · 08/04/2026 20:59

My man works full time, a white collar job, my grandfathers worked full time in blue collar jobs. White collar used to mean earning way more it’s not our fault times have changed and now we need a little uc to help out, we’re just a normal family who have adapted to the times.

The times haven't changed in the way you claim. Many many families earn enough so that they don't claim benefits.

You said yourself that you want not to work, want to stay at home with your children and live off benefits. You have chosen to live off the state.

Don't then try to justify your choice by claiming it's all down to tax, or different times blah blah, because that just makes you look stupid. If you've chosen to live on benefits at least admit that you've made a lifestyle choice to do so, you haven't been forced into it by desperation.

And don't claim your benefits are akin to a tax rebate, that's a joke.

Choosos · 08/04/2026 21:22

ExOptimist · 08/04/2026 21:12

The times haven't changed in the way you claim. Many many families earn enough so that they don't claim benefits.

You said yourself that you want not to work, want to stay at home with your children and live off benefits. You have chosen to live off the state.

Don't then try to justify your choice by claiming it's all down to tax, or different times blah blah, because that just makes you look stupid. If you've chosen to live on benefits at least admit that you've made a lifestyle choice to do so, you haven't been forced into it by desperation.

And don't claim your benefits are akin to a tax rebate, that's a joke.

Edited

Clearly they have changed and I feel like I’m repeating myself here but if they haven’t changed explain why both my grandfathers working blue collar ordinary jobs could afford to be the sole bread winner and have numerous children is ok but my man working a white collar job that he had to go to university to get makes us scroungers because we receive a small amount of uc. Do you realise a family where the man had my mans job fifty years ago would be relatively wealthy?

Crikeyalmighty · 08/04/2026 21:32

Choosos · 08/04/2026 21:22

Clearly they have changed and I feel like I’m repeating myself here but if they haven’t changed explain why both my grandfathers working blue collar ordinary jobs could afford to be the sole bread winner and have numerous children is ok but my man working a white collar job that he had to go to university to get makes us scroungers because we receive a small amount of uc. Do you realise a family where the man had my mans job fifty years ago would be relatively wealthy?

@Choosos I get that but as far as I’m aware you aren’t proposing to leave a job just for the purpose of claiming benefits because you have realised you are at that borderline position of not being that much better off? This mindset comes to totally bite you on there’s once kids are primary school and beyond and being hassled by DwP etc and certainly at the point with no kids at home and a CV with sod all of note on it - or you split up and realise your bit of a top up isn’t quite the same as 2 moderately paid jobs or your situation changes and you can’t rent because they won’t take your benefits into account etc - people would be wise to think beyond the ‘instant’ tempting as it is if renting with small kids and low incomes

SpryTaupeTurtle · 08/04/2026 21:32

Choosos · 08/04/2026 21:22

Clearly they have changed and I feel like I’m repeating myself here but if they haven’t changed explain why both my grandfathers working blue collar ordinary jobs could afford to be the sole bread winner and have numerous children is ok but my man working a white collar job that he had to go to university to get makes us scroungers because we receive a small amount of uc. Do you realise a family where the man had my mans job fifty years ago would be relatively wealthy?

I don't agree. My grandpa was an electrical engineer in the 50s - and his wages were terrible. My mum was a teacher in the 70s and her wages were poor too.

arethereanyleftatall · 08/04/2026 21:57

Choosos · 08/04/2026 19:33

I did not, as I did not think I was doing anything wrong.
My man works hard, very hard and I look after the kids, just like families did back in the day only they were not taxed as much as we are now. As I said we pay more in tax then we receive in uc and wouldn’t need it if we weren’t taxed so much.

I get it’s frustrating there are families where no one wants to work but moaning about absolutely everyone who receives any uc is purity spiralling

I’m not sure that is what families did back in the day.
my own parents tag teamed (70s/80s). My dad did an office job all day whilst my mum has us, then (bless her heart she must have been knackered) as soon as he came home my mum went out and worked in a pub till midnight. I don’t actually wish that on parents, as my mum worked far too hard, but there needs to be some balance with not absolutely taking the piss out of our very generous ‘safety net’.

Keepingthingsinteresting · 08/04/2026 23:13

10namechangeslater · 07/04/2026 20:40

Absolute nonsense. She has 3 children aged under 4!
There are no work requirements on UC until the youngest turns 3.

You can be as pissy as you like, but work life balance is a luxury and just quitting can impact your UC eligibility (so the government guidance says). I don’t object to paying taxes to support people who need a safety net but I’d quite like not to have to work either for my ‘work life balance’ and choosing not too because you are tired because you had too many kids is not reasonable behaviour.

Age 4 also has no relevance to UC, ages 3-12 are treated the same.

Coffeeandbooks88 · 08/04/2026 23:27

Keepingthingsinteresting · 08/04/2026 23:13

You can be as pissy as you like, but work life balance is a luxury and just quitting can impact your UC eligibility (so the government guidance says). I don’t object to paying taxes to support people who need a safety net but I’d quite like not to have to work either for my ‘work life balance’ and choosing not too because you are tired because you had too many kids is not reasonable behaviour.

Age 4 also has no relevance to UC, ages 3-12 are treated the same.

You are allowed to quit without issue if you have under three. Also if your partner earns enough in a joint claim.

Pistachiocake · 08/04/2026 23:52

Choosos · 07/04/2026 19:56

The biggest cost to the pot is old age care, if you have no children you will most likely be reliant on other taxpayers to care for you in your old age, other people’s children to look after you in the care home.

Im sure you’re probably one of them on here who think the solution is to just bring millions from abroad as if you really think you’ll be treated well in the care home when all the carers think you’re a privileged oppressor who colonised their ancestors.

You people really don’t think this through

Surely the majority of people in care homes have at least one child (as for older people, being child free was less usual)?
There are very few older people looked after FT by their children these days. So having children doesn't mean they'll look after you-I mean, I try to help my relatives, but as I work and am a mum, I just couldn't give 24/7 care, much as I might want to.

SpryTaupeTurtle · 08/04/2026 23:57

arethereanyleftatall · 08/04/2026 21:57

I’m not sure that is what families did back in the day.
my own parents tag teamed (70s/80s). My dad did an office job all day whilst my mum has us, then (bless her heart she must have been knackered) as soon as he came home my mum went out and worked in a pub till midnight. I don’t actually wish that on parents, as my mum worked far too hard, but there needs to be some balance with not absolutely taking the piss out of our very generous ‘safety net’.

Generous? The reason some people get top ups is because they live well below the poverty line to start with.

ainsleysanob · 09/04/2026 06:23

AutumnAllTheWay · 08/04/2026 20:23

One point to make- your household earns well, a whack above minimum wage at least.

All the folks on minimum wage jobs, of which there are many- do you think they should all not procreate, or at least stick to one child, as they will be eligible for a uc top up?

Is it just non workers or households where both partners work but are on very low wages and will get some benefits youre speaking about?

Can you clarify please, genuinely interested

Of course I don’t mind clarifying! I don’t believe that any family, two parents/one parent whichever, who is reliant on state handouts to help raise one child, should then go on to have another child and if they do, they certainly shouldn’t be able to claim for that. Where does personal responsibility come into play when they do?

When we planned for our family we used forethought. If one of us lost our job, can we easily sustain the lifestyle of more than one child? If one of us dies can we afford 3 children? If we separate can we both provide a good lifestyle for more than one child. The answer was no, so we stuck to one.

How is it responsible as a PP did above to actively know that you require state handouts for the one child you have, but think ‘fuck it’, I’m going to have another two? That’s absolute entitlement.

ClassicalQueen · 09/04/2026 06:43

Welcome to being a working mother. Claiming benefits isn’t the option.

upinaballoon · 09/04/2026 08:58

Work/life balance?
One time, when I was in full-time work, the phrase 'work/life balance' was used and someone in management said that our work is part of our life. It is, and it's nicer for us when we like the job which we have.
It's a phrase that's been thrown around for decades.

Choosos · 09/04/2026 09:07

ExOptimist · 08/04/2026 20:36

Some people really do talk a lot of rubbish when trying to justify expecting the state to pay for their lifestyle choice not to work.

Firstly your husband does not pay so much tax that he covers the amount you get in UC. If he was paid so much that he was, you would not be entitled to any benefits at all. He clearly doesn't earn well because you can claim benefits. Therefore your benefits are in no way a "tax rebate" or whatever rubbish you're spouting.

Secondly you really do need to educate yourself before going on and on about how you're being taxed so highly these days. The basic rate of tax in the 70s and 80s varied around 25 to 35%, much higher than these days.

All the wives who didn't work that I've ever known( I'm in my 60s) were fully supported by their husbands, never by the state. If you wanted to live that lifestyle then you should have chosen a better paid man quite frankly, not expect other people to fund you.

You can try to justify it to yourself but you're not fooling anyone else. I wish we could go back to the days when I was young when it was shameful to be on benefits, people did anything to avoid it where possible, unlike today when people like you almost boast about it.

So you’re in your sixties probably three time my age and when you were young rent and house prices were a lot cheaper and you’re calling me lazy for receiving a small amount of uc?
Also my parents are in their sixties and know plenty of people their age who have always been lazy bastards and proud so you’re talking bs too. Maybe if you were in your 90s you’d be able to say that.

upinaballoon · 09/04/2026 09:10

Hallamule · 08/04/2026 09:03

The more benefits you need on top of earnings to get by, the more house prices and rents rise. Its a short-term solution.

And yes we are absolutely on this planet to work, at least if we want to eat and reproduce. Because someone has to provide and, if that's the state, that means some other poor bugger has no work/life balance to provide for you.

'And yes we are absolutely on this planet to work'.

When we lived in caves some people hunted for food and some turned animal skins into garments and made tools from big stones. There was a need to work, in some way, right from the start.

MimiGC · 09/04/2026 09:12

Choosos · 07/04/2026 20:40

In the future, if we followed through on the idea some have on here that if you can’t pay for private health care and schooling you shouldn’t reproduce.

Anyway as I said we pay more in tax than we receive in uc so I will not feel guilty for receiving it. I consider it more of a tax rebate.

Older people can complain about people receiving uc all they want but back then women stayed home and they weren’t taxed like we are now. Anyway I get it’s frustrating that there’s families where both parents don’t want to work but complaining about every family receiving UC is purity spiralling

You seem to be under the impression that all women stayed at home in the olden days. They didn’t. I’m mid 60s and always worked , aside from maternity leave. My mother is in her 80s and worked outside the home too. My late grandmother worked whilst raising 5 children alone when my grandfather died. She did early morning cleaning before her children were even awake. We were working class and the clue is in the name!

AutumnAllTheWay · 09/04/2026 10:16

ainsleysanob · 09/04/2026 06:23

Of course I don’t mind clarifying! I don’t believe that any family, two parents/one parent whichever, who is reliant on state handouts to help raise one child, should then go on to have another child and if they do, they certainly shouldn’t be able to claim for that. Where does personal responsibility come into play when they do?

When we planned for our family we used forethought. If one of us lost our job, can we easily sustain the lifestyle of more than one child? If one of us dies can we afford 3 children? If we separate can we both provide a good lifestyle for more than one child. The answer was no, so we stuck to one.

How is it responsible as a PP did above to actively know that you require state handouts for the one child you have, but think ‘fuck it’, I’m going to have another two? That’s absolute entitlement.

Thanks for that.

Although I so agree to an extent, households on minimum wage often are in jobs that we all rely on. Shop workers, teaching assistants, librarians, labourers and many other vital roles.

These workers will always need a bit of a top up to have enough to live on as families. We need those workers. They deserve to have more than one child should they choose.

The wages they are paid is the problem, obviously raising minimum wages come with its own problems so Im not sure what the solution is, but I do believe that this is a problem society has to play a part in making right, and at the moment UC top ups are going some way to solve it.

These type of households are not usually the ones having loads of children, as they too face the childcare challenges higher income, working households do.

ExOptimist · 09/04/2026 13:34

Choosos · 09/04/2026 09:07

So you’re in your sixties probably three time my age and when you were young rent and house prices were a lot cheaper and you’re calling me lazy for receiving a small amount of uc?
Also my parents are in their sixties and know plenty of people their age who have always been lazy bastards and proud so you’re talking bs too. Maybe if you were in your 90s you’d be able to say that.

Haha you are joking aren't you! When I bought my first house the interest rate was 12%, it went up to 17%, and then there was a massive property crash and we had negative equity and sold our house 6 years later for £17k less than we paid for it. We had 2 children in a 2 bed house until we moved.

Your parents must move in different circles to me because I don't know anyone who is lazy, or is on benefits or has ever had benefits. My mother, who is almost 90 would say the same as me.

Choosos · 09/04/2026 14:26

ExOptimist · 09/04/2026 13:34

Haha you are joking aren't you! When I bought my first house the interest rate was 12%, it went up to 17%, and then there was a massive property crash and we had negative equity and sold our house 6 years later for £17k less than we paid for it. We had 2 children in a 2 bed house until we moved.

Your parents must move in different circles to me because I don't know anyone who is lazy, or is on benefits or has ever had benefits. My mother, who is almost 90 would say the same as me.

My parents move in a variety of different circles as do I, you don’t know anyone who has ever claimed benefits? Sounds like bullshit.

My parents are the same age as you and always talk about how much cheaper rent and house prices were back in the day so are you being obtuse ? Anyway as I said just a normal family here with my husband working full time in a white collar job (that would have made us well off once upon an time) and receiving a small amount of universal credit. Not scroungers. You clearly do not understand how any of this works anyway

dreamiesformolly · 09/04/2026 14:32

upinaballoon · 09/04/2026 09:10

'And yes we are absolutely on this planet to work'.

When we lived in caves some people hunted for food and some turned animal skins into garments and made tools from big stones. There was a need to work, in some way, right from the start.

Yes, there will always be a need to work. But - and I'll get piled on to for saying this but I don't care - it saddens me that the work of nurturing a family has been devalued to the point where a woman staying home to do so is vilifed for this. There's been a lot of talk on here about financially contributing to society, and it goes without saying that society will collapse without that. But the kids of today are a part of future society, and yet taking time to care for them and help them develop into functioning adults gets women (I mean in general, not just on this thread) called scroungers. It's not seen as contributing to society, but it is. Madness.

SpryTaupeTurtle · 09/04/2026 14:39

dreamiesformolly · 09/04/2026 14:32

Yes, there will always be a need to work. But - and I'll get piled on to for saying this but I don't care - it saddens me that the work of nurturing a family has been devalued to the point where a woman staying home to do so is vilifed for this. There's been a lot of talk on here about financially contributing to society, and it goes without saying that society will collapse without that. But the kids of today are a part of future society, and yet taking time to care for them and help them develop into functioning adults gets women (I mean in general, not just on this thread) called scroungers. It's not seen as contributing to society, but it is. Madness.

Some women couldn't and can't afford not to work - that's the reality

dreamiesformolly · 09/04/2026 14:45

SpryTaupeTurtle · 09/04/2026 14:39

Some women couldn't and can't afford not to work - that's the reality

Absolutely. That was the case for my own mum. But if wages weren't so piss-poor, more women might have had the choice, over the years, to stay home and raise their families if they wanted to. I just think a lot of us are channeling our anger in the wrong direction as far as this is concerned.

Katypp · 09/04/2026 16:41

Choosos · 08/04/2026 19:58

Both sides of my grandparents together they had eleven kids, neither of my grandmas would have even considered working when their kids were as young as ops, part time when the youngest was about ten sure. Both my grandfathers had ordinary jobs, nothing amazing.

They weren’t taxed like we are now though, I really do consider the uc I get a tax rebate tbh

Why do you keep saying people pay more tax now?
Basic income tax was 33% in 1975 and only came down to 30% in the late 80s. It's 20% now. Where are you getting your figures? You seem very sure of them.