Well I couldn't sleep thinking about this last night.
And compared to others I am in clover.
I have a very small business, started three years ago, which brings in a little bit, but nowhere near the NMW for the hours I work.
I am a LP, escaping abuse. I have two teenagers living here permanently who earn very little so cannot really contribute to running costs. Another teenager here in the Uni holidays.
I get now just over £40 a week TC, which pay for food really. I am mid-fifties and have a condition which means I need five to six prescribed drugs per month. The TC means that I can get these drugs free, otherwise the cost would be huge for me.
It would seem that if I manage to get my small business to pay me £18,000 per year or whatever the NMW is then I will be eligible for TC to continue, but otherwise I will receive no TC and have to do workfare if I claim.
I have always worked and have many qualifications, academic and professional, which I struggled to gain whilst working full time and looking after my DC. Due to depression I am now self-employed, so I work when I am well. I thought when I was younger that when I got to 50 I would be 'OK', but I am worse off then ever with no prospect of improvement.
My pension age has been moved from 60 - 66, so another 6 years for things to deteriorate even more.
So it seems that if I don't need the TC I will get them, but when I really need them I am not eligible.
And as I say, I am very lucky in comparison to some on this thread.