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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Universal credit

59 replies

ObamaLlamas · 07/03/2023 13:39

So I've namechanged and this is my 2nd thread this afternoon, penis beaker, cancel the cheque etc before someone says im goading. This is a genuine query.

I bumped into a friend at softplay she has two under 2.5 years old. She was a teacher and husband in the army and her kids were in nursery 1 day a week and she worked part time. It was difficult with her husband needing to be away at time and travelling etc so she decided to quit work. She now puts her kids for 3 days a week in nursery and 85% is paid for by the government (how she phrased it - no idea what that really means) and they are also better off financially by 'hundreds of pounds' a month.

I'm soon to be made redundant from my work at home flexible job and I'm looking for something else. I have a 4 year old at school and 1 year old at nursery and a mortgage.

My husband takes home £1900 a month, so similar to my friends husband, working full time. We have savings of less than 6k and get no other benefits, our nursery bill is £700 per month.

'Entitled to' says we are only eligible for child benefit if I stop work and nothing else. It would be impossible to live on that and I'm just confused as to how the system seems to work for one family than the other. Can anyone explain it? I am confused if i put something wrong on the forms. Thanks.

OP posts:
kernowpicklepie · 07/03/2023 16:56

I found that entitled to never worked anything out for me but I ended up doing an application when I was on maternity leave and we actually were awarded something.
I'd say it's worth just doing the UC application to see cause you might find out you get something

SunshineGeorgie · 07/03/2023 16:56

Wondered if it was still the same

Op... you must know if she lives with her partner on a base or not?

onlythesparrow · 07/03/2023 16:57

I'm sure both parents need to be working to claim childcare costs on UC, or one parent working while the other has caring responsibilities?

ObamaLlamas · 07/03/2023 17:12

To answer some questions she definitely doesn't work

She lives with her husband in a maisonette but I have no idea if this is technically army accommodation or not. She doesn't claim as a lone parent - she's very open and honest and wouldn't lie.

All of you have mentioned this 85% childcare thing - what exactly is this and how do I look into claiming that? Would this come up on entitled to? I'm confused as to What this even is.

Neither of her children are disabled.

Also yes as I mentioned in my OP our nursery costs are £700 per month.

OP posts:
MissHoneysHappyEnding · 07/03/2023 17:22

It'll be the age of the children. When I had two under three I got tax credits. When your child hits four they take the free hours into account.

Lougle · 07/03/2023 17:25

£525.72
£244.58
£244.58
Total: £1014.80

Your DH's earnings are £1900

You get a work allowance of £573 because you have a mortgage, so only £1327 is counted. £1327×55%= £729.85 deducted.

£1014.80-£729.85= £284.95 Universal Credit.

No childcare because you wouldn't be working.

CherryBlossom100 · 07/03/2023 17:26

Do another entitled to with your current details including your wages and nursery costs. Then play around with it and do it with you part time, three days, 2 days etc.
The 85% is instead of tax free childcare and is for low income families. You claim it through universal credit.
You could also just put a claim into universal credit and see what they say. They keep your claim open for a few months and monitor your earnings.
They are a armed forces family so they will get slightly different.

Lougle · 07/03/2023 17:31

The first 3 amounts listed are your couple allowance and two child allowances.

Cleo29 · 07/03/2023 17:31

The only 85% help available for childcare is with UC. She cannot claim that if she isn’t working unless she is ill or caring for someone. So either she is confused or she isn’t telling you the full facts.

SunshineGeorgie · 07/03/2023 17:35

There are some childcare payments available for armed force families

Skyeheather · 07/03/2023 17:39

She might be getting free childcare for the two year old and including the costs of the two year olds place in the figure she is giving you?

You can get a two year old free nursery place if you receive certain benefits or you need additional support - maybe having two under three by herself if her partner is away is too much for her on her own?

GoodChat · 07/03/2023 18:08

SunshineGeorgie · 07/03/2023 17:35

There are some childcare payments available for armed force families

This is a good point

Ugzbugz · 07/03/2023 18:08

OP are you claiming child benefit now? If you both earn under 50k each you should be receiving it. Not clear from your post.

turnthebiglightoff · 07/03/2023 18:11

OP if your child is 4 you're entitled to 30 free hours, are you using them? Are you using tax free childcare for your 1 year old?

turnthebiglightoff · 07/03/2023 18:11

And yep, you'd get approx £100 a month in child benefit too:

ObamaLlamas · 07/03/2023 18:12

Ugzbugz · 07/03/2023 18:08

OP are you claiming child benefit now? If you both earn under 50k each you should be receiving it. Not clear from your post.

Yes I am.

OP posts:
ObamaLlamas · 07/03/2023 18:12

turnthebiglightoff · 07/03/2023 18:11

OP if your child is 4 you're entitled to 30 free hours, are you using them? Are you using tax free childcare for your 1 year old?

We did use those hours, she's in reception now at school.

OP posts:
NigelDidIt · 07/03/2023 18:14

There's a new childcare scheme thing for the Forces where they pay the 85% thing. Not read too much into it as my two are too old to need it but DH mentioned it as he was emailed about it

turnthebiglightoff · 07/03/2023 18:14

If you're not working why are your nursery costs £700pcm?

GoodChat · 07/03/2023 18:15

turnthebiglightoff · 07/03/2023 18:14

If you're not working why are your nursery costs £700pcm?

Turn the big light back on. It's affecting your eyesight. She is working.

turnthebiglightoff · 07/03/2023 18:21

No one likes the big light on. Lamps all the way!!

OP I misread - apologies.

GoodChat · 07/03/2023 18:23

turnthebiglightoff · 07/03/2023 18:21

No one likes the big light on. Lamps all the way!!

OP I misread - apologies.

🤣🤣

I agree but then my joke wouldn't have worked Wink

turnthebiglightoff · 07/03/2023 18:24

It was a good one, genuine laugh out loud!! Anyway. Sorry Op!

pjmasksitsthepjmasks · 07/03/2023 18:25

She would only get her childcare paid towards if she is employed, even for just 1 hour a month would do it though.