It doesn’t serve any purpose whatsoever, and as you say, it would just add in a layer of cost. Benefits are paid into the claimants’ bank account and the DWP can ask to see bank statements any time they like if they suspect something is amiss. From the end of 2025 if current legislation goes through, they will be able to use AI to monitor the accounts of all benefit claimants, including state pension claimants.
To suggest that disabled claimants have a specific bank account and have to account for everything they spend - presumably to check that it’s all disability related - is ableist and discriminatory. For a start, who decides what is disability related and what is not ? There are numerous health conditions and disabilities, the extra cost of which, claimants will support in different ways according to their own needs. This is exactly why disability benefits are universal and there is no prescribed way to spend them. And it’s exactly why the present talk of vouchers, catalogue shopping and one off payments demonstrates that the government know little about how disabled people actually live. The government minister for the disabled acknowledged recently that many disabled people use their PIP to make ends meet, and confirmed that this is one of the intentions of the benefit, as it confirms the extra costs that make it difficult to make those ends meet in the first place.
Imagine living alone with severe disability which limits your mobility and restricts what you are able to do. The following are things which able bodied people do without thinking and at no forced extra cost:
Being able to manage your own personal care - washing, bathing, toileting, dressing/undressing/getting yourself in and out of bed.
Doing housework/cooking/laundry.
Gardening - even just basic mowing and weeding.
Essential home maintenance.
Buying groceries and putting them away.
Even changing a light bulb.
These are all significant extra costs incurred every days by disabled people as they need to pay someone to do them if they can’t manage themselves. The list isn’t exhaustive and doesn’t account for the extra cost of specialist equipment - a significant amount of which disabled people have to source and finance themselves because the basics provided by Local Authorities for example, are basic and don’t meet their needs. Nor does it include things like increased bills as a result of disability - for example someone who is incontinent will incur significant extra energy bills because of increased washing/bathing/laundry. Those reliant on specialist equipment will have significantly higher bills because that equipment needs to be charged.
The disability organisation Scope, commissioned a report recently, and that report concluded that the average extra monthly cost for someone living with a substantial disability is just over £900 a month. Even the combined enhanced rates of PIP mobility and care components fall £200 a month short of that, and people here are advocating for reducing it further or forcing absolutely meaningless conditionality onto people whose lives are already more difficult that most of us care to imagine. MN is an absolute cess pit sometimes.