PettyContractor the idea of a universal basic income really appeals to me but I absolutely would not trust this current govt to implement it.
Universal credit in its premise should have been a good idea, I’m currently still on “legacy benefits” which is an utterly bonkers way of trying to manage. I’ve been a bookkeeper and worked with accountants and it’s completely fucking illogical!
Eg based on when I was still getting benefits for dd when she was a child too:
Housing benefit - paid 4 weekly in arrears. Mondays.
Does ANYONE who’s posted on this thread pay their housing costs be that mortgage or rent 4 weekly? I certainly never have! It’s always been calendar monthly. In real terms this means most months there’s a slight shortfall but the argument is that over the year you get 13 payments and if you’re eligible for you full rent to be covered over the YEAR that happens, but certain months it can be a struggle.
The pain of course with a Monday payment date is it is regularly either be paid early or late because of bank holidays
Council tax benefit - not paid to recipient but recipient has a reduced or non existent council tax bill as it’s paid from one council dept to another. I’m in Scotland where it’s even more complicated because our water isn’t privatised but is included as part of the council tax bill, and council tax benefit doesn’t cover this, so in effect everyone has a council tax bill but people like me eligible for full council tax benefit only pay the water portion of the bill.
Child benefit - weekly Monday’s
As I was a lone parent on benefits I was eligible to receive weekly, no idea how they work out who gets on which weekday, I just know I got mine on Mondays and others I knew in receipt got theirs different days. As with housing benefit a Monday payday meant I was regularly wrong footed due to bank holidays.
Tax credits - weekly Tuesdays
Again don’t know how they work out who gets payments when but we got on Tuesdays.
ESA - fortnightly on Tuesdays
Fortnightly makes no sense at all! Anyone have bills or household costs they pay fortnightly? I certainly never have.
DLA - 4 weekly on Tuesdays
Not the same week as housing benefit paid. Again no bills of mine are paid 4-weekly.
Basically I have worked out my budget as a 4 weekly calendar to try and manage it all, the way it’s ended up working is:
Week 1 - housing benefit & an esa payment
Week 2 - DLA
Week 3 - esa
Week 4 - nothing comes in.
Trying to juggle all that with my bills which I have to pay calendar monthly takes considerable skill and organisation and many really struggle with it!
I’ve set up spreadsheets for friends and relatives who struggle with this type of organisation and advised them how to organise their bills especially direct debits so that they aren’t caught out with money coming out on weeks there’s less in their account. Another issue for benefits recipients are bills/direct debits you can’t change the date of eg tv licence as you have to take that into consideration when deciding which dates to have the direct debits with optional dates come out.
So a calendar monthly all in one benefit payment SHOULD have made things much more streamlined and sensible for recipients.
It was also supposed to be a LOT more responsive/flexible for claimants who do work when they can, shift workers, people who work differing hours through the year (some industries are seasonal and workers have more overtime at certain times of the year), temp workers etc one of the main issues supposedly with legacy benefits was that claimants were very reluctant to take on temp contracts or extra hours because it would mess up their finances for MONTHS (and here’s the interesting part - very rarely in recipients favour. In my and many other recipients experience changes in circs which = change in benefits entitlement usually gets cocked up. If Cock up in govts favour takes AGES to get the money you were eligible for paid BUT if the error favours the recipient they basically snatch it straight back! Often leaving people in real hardship)
Yet I know from family/friends that are on it (I’m dreading the switch!) it doesn’t even cope with annual leave or bank holidays! It really doesn’t cope with mat leave, sick leave or constantly varying hours.
Now given the technology we ALL know is available nowadays AND the software I was working with even 15-20 years ago it is absolutely possible for there to be an IT system that COULD cope with the various adjustments on a monthly basis - anyone who’s worked in payroll knows that!
I think it’s a combination of cost cutting AND not wanting it to work well is why this hasn’t been properly implemented.
@TheQueef it’s fucking terrifying isn’t it? I am in a constant state of anxiety dreading the postman. I’m currently awaiting response to PiP claim as I had the letter telling me DLA was being withdrawn. I have had excellent support from my welfare rights advisor at my local council who are the people I always use for such matters having learned the hard way that it’s foolhardy to even ATTEMPT to do these forms myself. It took a month of several hours a day of work and research (with some great support from mners too) to complete the form. Basically a full time job in itself!
The vast majority of disabled claimants who even people like op agree should be getting support, are getting £100’s less within a few months on uc, despite promises of transfer protection etc. There are several organisations who are going through legally challenging this on behalf of the groups they represent. Some are even getting together with each other to do so - it’s an absolute disgrace that this is even necessary!