"And why are employment figures at an all time high? Because zero hours contracts are counted. You can't afford to live, but you're a positive statistic and apparently that's all that matters." Definitely - I pointed out to someone on FB (friend of a friend) just this week that the employment/unemployment stats are fiddled - the only people now being counted as "unemployed" are those on jsa or UC equivalent who have no paid work at all.
The underemployed, those unemployed but not claiming benefits for whatever reason (usually being supported by parents or partners/spouses), the disabled who could work but are unsupported, single mums who want to work but who's youngest child isn't yet of the age at which they insist they work - all not included.
Included in employment stats - anyone who gets paid if/when they work even if that's zero hours, 1 hour a week, self employed with erratic work availability.
BlueSmarties - the idea of a single monthly payment is a good one. The idea of a gradual move from being totally on benefits to a full wage is good one. The idea of a benefit that allows people to be flexible in their working patterns, try temp jobs (with the hope of it becoming permanent possibly, as a way of rebuilding cv) is a good one. These are supposedly why UC was introduced.
BUT the tories are using it as a way to reduce how much people receive overall (did they really think nobody would notice?!) and as per usual with govt changes (whatever colour of govt) were rushed in without proper testing of the IT system - which can't even cope with regular calendar monthly salary when apparently in "5 week months" people are "paid twice" and they end up with no payment! And the shortfall isn't rectified either. Can't cope with irregular hours, more than one job etc
I'm currently on the old system, I'm going to include when dd was younger and I got money for her too to illustrate my point, under the old system for me my money came/comes in, bits at a time:
Child Ben - Monday weekly
Child Tax credits - Tuesday weekly
ESA - Tuesday fortnightly
DLA - Tuesday 4 weekly
Housing benefit - 4 weekly Monday (different week to DLA)
which is a bloody pain in terms of organising a budget.
THEN in addition to that palava SOME bank holidays (not all) result in payments being made earlier. (Really unpredictable, and mirder every year to find when those payments will be made. Even the official published dates often change) Which can cause recipients to wrongly think they're better off, spend the money and then be stuck.
And if you have to deal with a change of circumstances? Omg, not unusual for it ALL to be "frozen" ie payments stopped and it can take MONTHS to sort out! Btw same happens in the case of malicious false claim of fraud is reported - even if you're found innocent. (Though funnily enough if an error is made that results in the recipient getting MORE than they're supposed to that's usually clawed back in the next payment! Yep even if only a couple weeks later!)
Now I'm an educated person, I'm pretty good at handling personal finances, I've worked as a bookkeeper for crying out loud! And even I get caught out eg by "ghost payments" when a payment shows on your account and you think you have the money but it isn't fully processed for whatever reason and then disappears back out of your account - it's why when I check my balance now I don't go on "balance" I go on "available funds". And I NEVER included money from anywhere until the amount has been on my account 48 hours.
As for simplifying! From what I'm reading about it I'm dreading it! Slow, frequently crashing system, hard to navigate, more questions than ever! Journals (the only way claimants have of communicating with the person administrating their claim) going unread, queries unanswered. All online too btw so for anyone who struggles to use a computer for whatever reason that's another barrier.
How are people who are less financially literate, affected by illness/disability (physical, mental or learning difficulties), under severe stress (eg post bereavement, caring responsibilities) supposed to negotiate all that?!
And it's making claimants fear returning to work because unless the new job pays enough you can live on it without needing extra help, you daren't risk ending up homeless because UC has been messed up and you can't pay the rent. Especially true for those with dependants. You might risk it if it's just you, but if you've young children or a sick/disabled relative who will suffer then you just daren't.
"Most landlords refuse to rent to benefit claimants because universal credit is so insecure it seems risky." Actually a major reason private landlords won't let to benefit claimants is clauses in mortgage or insurance contracts. Though I accept that supposedly those clauses were put in due to benefits being unreliable. However, simple way to deal with that is make it illegal! Both by landlords & mortgage & ins companies. But then I'd actually prefer there to be much more social housing available which I'm fairly sure would mean lower rents & more security for renters, but as a pp pointed out too many mps are profiting personally from the current set up! I'd ban that too! It's a conflict of interests!
"Before the system changed, working people claiming housing benefit and tax credits were seen as some of the most reliable tenants." When did you last rent as a benefit recipient? Because I have been for 16 years and all that time there's been many landlords refusing to rent to claimants.
"Paying more for unskilled jobs solves nothing as all the jobs that require skill will simply demand even more money. It won't suddenly give everyone a work ethic or the desire to not claim benefits." Are you sure you've thought that through? Surely if
Benefits = enough to live on but no luxuries
Unskilled work = enough to live on + some disposable income
Skilled work = enough to live on + at a better quality of lifestyle + more disposable income than unskilled workers
Professionals = enough for a good quality lifestyle + good amount of disposable income
Then there's still incentive for people to work, to better themselves, to improve their lifestyle? PLUS that disposable income in the hands of the less than wealthy tends to get spent mostly in the uk, which would stimulate the economy, which would lead to job creation, which would lead to more spending in uk etc. (Trickle up economics).
"people deciding that they don't have to work and can expect to still be fed, housed, clothed etc." This myth that the majority of benefit claimants simply CHOOSE Not to work really needs to be blown out the water. It's simply not true Even the very small minority of claimants who APPEAR to fit this category are often found to actually be suffering from illnesses (usually mh which people are still reluctant to disclose because there IS still stigma) or have eg a mild learning difficulty (usually undx) which means many jobs are just plain beyond their capabilities, illiteracy is a huge issue, as is innumeracy.
Then there's the FACT that even those willing, able and actively seeking work haven't enough jobs available to them. Last time I looked there's approx 3-4 times more people looking for work than there are jobs available - and that's all jobs not full time. And understandably people will try and work full time if they're able and so if they can't find a full time job they'll try and find 2 or more part time jobs that will bring them up to full time hours/wages. But that means others going without a job at all. (Btw I've yet - on any thread of this type - to have read a reply from a Tory voter giving any examples of where the tories are creating jobs).