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Share your dilemmas and get honest opinions from other Mumsnetters.

Do people really think PIP claimants are fraudsters?!

1000 replies

Greedybilly · 09/09/2025 18:03

As someone with a chronic illness in the middle of claiming PIP I think it's important to point out it's very stressful to go through the process and actually get the benefit.
To those who were inferring it's an easy blag - I would say yes there will always be a few scammers who claim fraudulently ( though god knows how tbh?) the majority have to struggle for years/go through appeals/give up.
Just saying this for balance as I feel MN is turning slghtly into the Daily Fail.

OP posts:
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7
TigerRag · 10/09/2025 15:45

Dramallamafromyork · 10/09/2025 15:43

And approx £900 a month for a child with adhd? That doesn’t sound right

Higher care, no mobility plus the higher disability element comes to around £900 per month

upallnightt · 10/09/2025 15:49

NameChangedToAvoiJudgement · 10/09/2025 15:40

I’ve posted this before. Clearly I have changed my name to avoid being linked to my usual username.

I claim PIP, and LCWRA for myself and DLA and the carers element for my child.

I have a longstanding diagnosis of anxiety and PTSD. My child has ADHD.

I had previously managed to hold down a mid-senior level job earning £60,000. My take home pay was just over £3500.

Student Loan was c.£235 a month.
Mortgage was £1400pcm for a 2 bed flat.
Wraparound was £150pw.
Travel to the office was £40pw

I was on the breadline and my mental health was suffering. I claimed with genuine diagnoses but also completed all the forms very carefully.

I sold my flat and bought wi th shared ownership. I used my equity to buy the 25% share outright.

Now I get:
standard element UC - £400.14
housing element UC (for the rental portion) -£1581.67
Child Element - £292.81
Disabled child element - £495.87
LCWRA - £423.27
Carers Element - £201.68
DLA for my child - £103.10(pw)
PIP for me - £139.60(pw)
Child Benefit - £26.05(pw)

This gives me a take home each of month of £4560. I don’t work. My mental health is far better. The system is completely flawed, in many ways I’d have liked to have continued to work but it made no sense financially when it grinding me down and I could have a far easier life this way.

should the gov just invest in better support? Absolutely. But don’t hate the player, hate the game.

jesus Christ that’s more than most people’s wages !

frozenshoulderhell · 10/09/2025 15:49

Plastictreees · 10/09/2025 15:28

The notion of vouchers is just another way to shame and stigmatise disabled people. Once an award has been made, the recipient does not need to continue trying to prove their worthiness to society by justifying their disability related expenses! There isn’t a one stop shop for the chronically ill and disabled that stocks everything they need, paid for by these vouchers of shame to pacify the ‘tax payers’.

There are myriad costs that come with disability and ill health, which I covered at length in yet another benefit bashing thread yesterday. Any voucher system would not work on a practical or logistical level, would shop keepers determine whether the voucher was being used for a disability reason or not?! Ludicrous.

I agree ...my pip goes into the same account as my sàlery but I regularly pay for 'luxuries' such as getting my nails done ,trips to the hair dressers,expensive m&s pre prepared food(eg ready prepared veg) my garden to be done,my gym membership and nice holidays ...these are all things I either cant do myself due to my disability or impact positively on my physical or mental well being which strangely enough is compromised due to my disability .... People with disabilities are individuals with individual priorities and needs and shouldn't have to justify what they spend their pip on or be restricted via a voucher system.

Kirbert2 · 10/09/2025 15:50

upallnightt · 10/09/2025 15:49

jesus Christ that’s more than most people’s wages !

It's also not true because you can't claim both LCWRA and carers element.

Plastictreees · 10/09/2025 15:53

@frozenshoulderhell Careful, people will start frothing at the mouth at your admittance of spending money on getting your hair done and buying bits at M&S! You should be in sackcloth and ashes don’t you know.

(I agree with you.)

Harriet9955 · 10/09/2025 15:56

upallnightt · 10/09/2025 15:12

Name changed for this - dsd diagnosed adhd trying her best along with her mom to get the enhanced rate because she wants a nice car on the motability scheme. And I’ve no doubt her mom will manage to do it aswell, conniving as she is ! Dsd is capable to fly to another country with her friends but apparently can’t get a bus alone due to getting lost/anxiety? Fuck off.

Also my sister claims single person benefits and pretending her bf is her landlord, been doing it years now so god only knows how much she’s had in taxpayer money!!!

FFS report them.

Pepperedpickles · 10/09/2025 15:58

frozenshoulderhell · 10/09/2025 15:49

I agree ...my pip goes into the same account as my sàlery but I regularly pay for 'luxuries' such as getting my nails done ,trips to the hair dressers,expensive m&s pre prepared food(eg ready prepared veg) my garden to be done,my gym membership and nice holidays ...these are all things I either cant do myself due to my disability or impact positively on my physical or mental well being which strangely enough is compromised due to my disability .... People with disabilities are individuals with individual priorities and needs and shouldn't have to justify what they spend their pip on or be restricted via a voucher system.

Same here.

Avantiagain · 10/09/2025 15:59

"Higher care, no mobility plus the higher disability element comes to around £900 per month"

It's not HRC, the amount isn't right. It will be Middle rate care and low rate mobility.

viques · 10/09/2025 16:04

Bpod1 · 10/09/2025 15:11

I think a lot of people are confused with Universal credit. People don't realise PIP is a working person benefit. They don't get it if they aren't working. Faking a back injury and being on sick may get you universal credit, it won't get you PIP!

No PIP is not a. “Working persons benefit”.

Marshmallow4545 · 10/09/2025 16:05

Kirbert2 · 10/09/2025 15:43

Yep.

If DLA/PIP should be vouchers dictating what people use it for then the same should go for child benefit.

No, the two benefits are not comparable for reasons I outlined earlier. Child Benefit is much more akin to the State Pension. They are more general benefits that you don't need justification to obtain or specific evidence.

PIP/DLA is an exceptional benefit that is awarded for a specific purpose (to meet the additional costs associated with the significant needs that a disability or health condition creates). It is therefore more logical for there to be restrictions on this kind of benefit because it has been awarded for a specific purpose, not just because you have a child or have reached pensionable age.

I don't really understand why you don't understand that CB and PIP/DLA are conceptually fundamentally different. The intention is the majority of children (through their parents) will be eligible for CB and it is meant to meet the general costs of raising a child. PIP/DLA is intended for a minority and is meant to be used to specifically meet the additional and significantly increased needs of a disabled person.

LakieLady · 10/09/2025 16:06

Bpod1 · 10/09/2025 15:11

I think a lot of people are confused with Universal credit. People don't realise PIP is a working person benefit. They don't get it if they aren't working. Faking a back injury and being on sick may get you universal credit, it won't get you PIP!

Employment status is irrelevant to PIP. Some claimants work, some don't.

And around a third of UC claimants are in work. They will be entitled to UC because their earnings aren't sufficient to cover the living costs of their household.

Where I live, the average rent for a 3-bed property in the private sector is £1700 a month. That would take the entire salary of someone on around £24k.

frozenshoulderhell · 10/09/2025 16:06

Plastictreees · 10/09/2025 15:53

@frozenshoulderhell Careful, people will start frothing at the mouth at your admittance of spending money on getting your hair done and buying bits at M&S! You should be in sackcloth and ashes don’t you know.

(I agree with you.)

Haha... obviously people with disabilities shouldn't have nice hair or nails -those things have always been important to me and I used to do my own until my disability have made it impossible hence feeling completely justified in using my pip towards the costs ...
I think the problem is that society perceives those with disabilities as second class citizens and are less worthy of 'nice things' . I work full time but the truth is I have costs and needs directly or indirectly related to my disability and the purpose of pip is to help pay towards those added expenses

Marshmallow4545 · 10/09/2025 16:08

frozenshoulderhell · 10/09/2025 15:49

I agree ...my pip goes into the same account as my sàlery but I regularly pay for 'luxuries' such as getting my nails done ,trips to the hair dressers,expensive m&s pre prepared food(eg ready prepared veg) my garden to be done,my gym membership and nice holidays ...these are all things I either cant do myself due to my disability or impact positively on my physical or mental well being which strangely enough is compromised due to my disability .... People with disabilities are individuals with individual priorities and needs and shouldn't have to justify what they spend their pip on or be restricted via a voucher system.

We are all individuals with individual priorities and needs. Of course this is true. A great proportion of the population would enjoy a holiday and this would hugely benefit their mental and physical health. Should the state be (partially) funding this for them too? Genuine question.

Plastictreees · 10/09/2025 16:11

@frozenshoulderhell Yes absolutely, unfortunately these attitudes are rife on these MN threads! Do people really have nothing better to do than spend time hating on disabled people and begrudging them money that they’ve already evidenced they are eligible for? Some people have very sad lives.

frozenshoulderhell · 10/09/2025 16:15

Harriet9955 · 10/09/2025 15:56

FFS report them.

Why ? The Dsd gets pip because she's unable to make a journey herself ...The very fact she's gone on holiday with the support of friends surely proves this ...

TigerRag · 10/09/2025 16:16

Marshmallow4545 · 10/09/2025 16:05

No, the two benefits are not comparable for reasons I outlined earlier. Child Benefit is much more akin to the State Pension. They are more general benefits that you don't need justification to obtain or specific evidence.

PIP/DLA is an exceptional benefit that is awarded for a specific purpose (to meet the additional costs associated with the significant needs that a disability or health condition creates). It is therefore more logical for there to be restrictions on this kind of benefit because it has been awarded for a specific purpose, not just because you have a child or have reached pensionable age.

I don't really understand why you don't understand that CB and PIP/DLA are conceptually fundamentally different. The intention is the majority of children (through their parents) will be eligible for CB and it is meant to meet the general costs of raising a child. PIP/DLA is intended for a minority and is meant to be used to specifically meet the additional and significantly increased needs of a disabled person.

That means the government would have to properly fund the care I get from my mum which will cost more than £50 a week

Just where do you suggest the government gets all this extra money and people from to implement vouchers? And do you really think disabled people and their carers will have time? Some of us already have plenty of disability related admin

TempNameForObviousReasons · 10/09/2025 16:19

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upallnightt · 10/09/2025 16:21

frozenshoulderhell · 10/09/2025 16:15

Why ? The Dsd gets pip because she's unable to make a journey herself ...The very fact she's gone on holiday with the support of friends surely proves this ...

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Kreepture · 10/09/2025 16:22

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Plastictreees · 10/09/2025 16:23

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Marshmallow4545 · 10/09/2025 16:23

TigerRag · 10/09/2025 16:16

That means the government would have to properly fund the care I get from my mum which will cost more than £50 a week

Just where do you suggest the government gets all this extra money and people from to implement vouchers? And do you really think disabled people and their carers will have time? Some of us already have plenty of disability related admin

I'm not necessarily advocating vouchers but I think there should be restrictions in place as to what PIP is intended to fund and this should be clearly outlined in people's applications. So for example you need £50 to fund care .. I can't imagine there being much controversy about that. The poster upthread wanting to fund nail appointments and holidays could detail this too. It would then be up to society through the means of democracy to shape the policy and decide where the boundaries are and what the population is happy to fund. There are a great many non disabled people that can't afford hair appointments, nail appointments or holidays so this may well prove very controversial.

BestZebbie · 10/09/2025 16:24

NuovaPilbeam · 09/09/2025 18:46

No i absolutely do not think people deliberately are trying to fraudulently claim pip.

However, I think resilience & grit are at an all time low. I think a lot people consider that they cannot do things if they find them hard, or upsetting, or if doing those things reduce their energy to do other things (such as hobbies outside work).

I believe you cannot do something if you literally cannot do it. For example, you cannot walk to the shops if you are paraplegic, or have a severe learning disability that means you can't remember where the shops are or read a map/instructions to get there.

You can walk to the shops if you have severe anxiety, however it might leave you drained and it may be a really unpleasant experience for you.

I think a lot of people with mental health conditions in particular genuinely feel utterly impaired, that cannot cope with any sort of job etc, who actually might feel better working & having purpose and self worth. Its a really difficult cycle to be trapped in.

So I don't think those people are fraudulently claiming pip, i just think fewer people overall should be eligible and it should be reserved for those most severely impaired.

I can't help but feel that the level of impairment at which someone can receive pip is set at a point which captures too great a proportion of the population.

There is also quite an issue with variable disabilities - it is very easy to see and understand that if you have no legs, you will continue to have no legs everyday (prosthetics aside).

It is harder to quantify the nature of disabilities which severely reduce one's energy budget, such that you might be able to choose to use all the energy you will have for several days on one seemingly quite large task and successfully complete it, but then be totally wiped out for three or four days (which is obviously useless for employment as well as quite an unhealthy way to live). It would be very disingenuous to claim this situation as equivalent to being able to complete the task repeatedly and at will.

A similar situation arises with chronic pain conditions - how much pain does society consider it is reasonable and ethical to expect someone to undergo to complete specific tasks which are pain-free for the majority? Is it none? Some? A bit for their own survival (food shopping etc) but none for leisure? As much as it takes?

Kreepture · 10/09/2025 16:27

Marshmallow4545 · 10/09/2025 16:23

I'm not necessarily advocating vouchers but I think there should be restrictions in place as to what PIP is intended to fund and this should be clearly outlined in people's applications. So for example you need £50 to fund care .. I can't imagine there being much controversy about that. The poster upthread wanting to fund nail appointments and holidays could detail this too. It would then be up to society through the means of democracy to shape the policy and decide where the boundaries are and what the population is happy to fund. There are a great many non disabled people that can't afford hair appointments, nail appointments or holidays so this may well prove very controversial.

If you're going to do that shit, then do it to UC.. i mean, it's meant to go on food, and bills right?
NO spending it on clothes, or shoes, or hair, or nails, or meals out, or takeaways, or holidays, or days out for you kids, or anything than your monthly outgoings.

Please submit an itemised bill of expenses every month for them to reimburse you that EXACT amount you spent.

It's bullshit, and it's dehumanising. WHY THE FUCK should i itemise my disability for some twat in DWP AGAIN, when i already had to DEMEAN and DEHUMANISE, and HUMILIATE myself in writing on the form, and to some arsehole stranger over the phone.

Do you have ANY idea what it's like having to explain in minute detail how you shit, and piss, and shower, and dress?

Bumblebee72 · 10/09/2025 16:32

Kreepture · 10/09/2025 16:27

If you're going to do that shit, then do it to UC.. i mean, it's meant to go on food, and bills right?
NO spending it on clothes, or shoes, or hair, or nails, or meals out, or takeaways, or holidays, or days out for you kids, or anything than your monthly outgoings.

Please submit an itemised bill of expenses every month for them to reimburse you that EXACT amount you spent.

It's bullshit, and it's dehumanising. WHY THE FUCK should i itemise my disability for some twat in DWP AGAIN, when i already had to DEMEAN and DEHUMANISE, and HUMILIATE myself in writing on the form, and to some arsehole stranger over the phone.

Do you have ANY idea what it's like having to explain in minute detail how you shit, and piss, and shower, and dress?

Completely agree with you that UC should be treated the same.

Plastictreees · 10/09/2025 16:32

I think more controversy would come from the government realising the actual costs of disability and chronic illness to the individual. Certainly the lower rate of PIP does not come close to covering all the costs incurred for many people. They wouldn’t want to see that though would they, as that would mean needing to pay out more money.

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