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Share your dilemmas and get honest opinions from other Mumsnetters.

Labour are lifting the 2 child benefit cap

1000 replies

PuppyKeep · 30/09/2025 18:43

AIBU that this is a terrible decision?

OP posts:
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16
user927464 · 30/09/2025 20:11

YesImaman1100 · 30/09/2025 20:08

True, but fortunately not all that receive child benefit are imbeciles that think money grows on trees.

AND THIS IS NOT ABOUT CHILD BENEFIT

PleaseGoToSleeep · 30/09/2025 20:11

RedRiverShore5 · 30/09/2025 18:51

It's not child benefit though, I thought there was no cap on that, it's UC isn't it.

Yes this. I have four and am entitled to child benefit for each of them. I did not have four children because I can claim child benefit for them before you come at me. We both work full time. It’s what was child tax credit that’s capped. I don’t get that.

Bumblebee72 · 30/09/2025 20:11

ToodleP1P · 30/09/2025 20:01

You do realise that anyone on less than £41k is a "net taker"?
That covers people like nurses and teachers.... and junior doctors.

I think you might be a bit our of date with your nurses and teacher salaries. Early in their career yes, but with experience and some management responsibilities they will be earning more than that.

taxguru · 30/09/2025 20:11

clipboardz · 30/09/2025 20:02

But it's poverty which has the biggest (negative ) impact on children's outcomes and will eventually cost the state more.

Exactly, investing in dc is literally investing in the future of the country. Something we haven't done for years.

I say this as someone who has never received benefits and would have loved more than 2 dc but can't afford it.

I'm all for investing in children, but via education etc - NOT just spunking more money at parents, many of whom will spend it on themselves and still leave their kids without.

MalinandGo · 30/09/2025 20:12

clipboardz · 30/09/2025 20:10

You have remembered that you and all these benefit claim children will get old one day.

You think old people never received benefits? 🤔. The youth of today won't be getting the same current deal that's for sure.

I just missed out on being able to claim the dole in the holidays as a student (receiving a free education and on a full grant).

EasternStandard · 30/09/2025 20:12

clipboardz · 30/09/2025 20:05

@EasternStandard what's easy to see. Why is AI going to save the west from the huge change in demographics? Could you link to something that says AI will complete offset this and we don't need any dc?

Anyone saying we need more dc though, I don’t* think* so

We don't need more dc but a progressive and wealthier society requires a more even demographic mix. Or do you disagree?

I don’t think I said we shouldn’t have any dc. Seems a bit extreme. I think we should match policies now to requirements in 18 years, as much as possible.

Of course it’s hard to be accurate but the we must push up birth rate doesn’t need to keep going.

ToodleP1P · 30/09/2025 20:13

Bumblebee72 · 30/09/2025 20:11

I think you might be a bit our of date with your nurses and teacher salaries. Early in their career yes, but with experience and some management responsibilities they will be earning more than that.

Hmm, nurses start at £31k, and not all of the want to go up through the ranks.

MrsSkylerWhite · 30/09/2025 20:13

MyLimeGuide · 30/09/2025 20:08

Doubt it they probably cant read.

Unnecessary.

Gingernessy · 30/09/2025 20:13

Wiltingasparagusfern · 30/09/2025 20:11

You started it. Or does insulting poor people not count?

If it was an insult it was a general insult - yours was personally directed at me the "Mug"
Slightly different.

Nestingbirds · 30/09/2025 20:13

The maternity services are an absolute disgrace, why couldn’t they have invested the money there???

MrsSkylerWhite · 30/09/2025 20:14

clipboardz · 30/09/2025 20:09

Doubt it they probably cant read

You don't need to be able to read to read the Daily Mail!

Beneath you.

FLOWER19833 · 30/09/2025 20:15

MyLimeGuide · 30/09/2025 20:08

Doubt it they probably cant read.

Fyi i don't have to read it, i can easily see it in my neighbourhood

thereneverwasacloudyday · 30/09/2025 20:15

Yeppppp · 30/09/2025 18:49

You sure? People who receive child benefit vote, and there’s a lot of them.

They don't vote in the sheer numbers that other groups do.

Sowthegarden · 30/09/2025 20:16

MrsSkylerWhite · 30/09/2025 20:08

You can but you have to pay it back if you earn over a specific threshold.

It’s worth claiming though because if mum or dad are at home looking after the kids, it entitles them to valuable pension credits.

That’s the Higher Income benefit charge, which has no effect on the benefit cap.
The charge is a tax on the higher earner.

I would prefer the cap to stay and give poorer families the help in other ways.

lessglittermoremud · 30/09/2025 20:17

I don’t think it should be scrapped, we are not entitled to any UC both have to work hard, juggle and go without to afford things for our children like so many families out there.
However child poverty is real problem but there is no guarantee that any additional money given is spent entirely on a child’s needs and not other things. Many children live in poverty due to parental choices with limited money, rather than the limited budget only.
I don’t think there are any quick fixes to be had, would I want more of the money we pay in taxes to help a family who chose to have more children then I had, when I stopped having anymore so that we could look after them properly? No I wouldn’t, but do I want children to go to bed hungry and struggle? No I don’t want that either.
As a civilised society we are meant to protect our most vulnerable members, I’m just not sure how we go about fixing it in a fair way.

Coconutter24 · 30/09/2025 20:17

Horserider5678 · 30/09/2025 19:25

Vote Reform then and they will remove all your benefits!

Child benefit is the only thing I get 🤷‍♀️

ProcrastinatorsAnonymous · 30/09/2025 20:17

Good. No child should live in poverty in this country - whether you agree the parents should've had more kids or not. Those saying the country cannot afford it are absolutely right - the wealthy are not paying anywhere near enough tax, and that needs to change. [I say this as someone who would be paying the increased taxes]

user927464 · 30/09/2025 20:18

thereneverwasacloudyday · 30/09/2025 20:15

They don't vote in the sheer numbers that other groups do.

AND THIS ISN'T ABOUT CHILD BENEFIT

user927464 · 30/09/2025 20:19

Sowthegarden · 30/09/2025 20:16

That’s the Higher Income benefit charge, which has no effect on the benefit cap.
The charge is a tax on the higher earner.

I would prefer the cap to stay and give poorer families the help in other ways.

Edited

THE HIGHER INCOME BENEFIT CHARGE RELATES TO CHILD BENEFIT. THIS IS NOT ABOUT CHILD BENEFIT

BluntPlumHam · 30/09/2025 20:20

Fidgetybit · 30/09/2025 20:08

The Universal Credit child element is currently £292.81 per month, that is £3,513.72 per year for each child.

It's currently capped at 2 children. So a a parent on Universal Credit entilted to the child element gets an extra £585.62 a month or £7,027.44.

If the cap is lifted without the amounts changing, then a family on Universal credit gets extra:

£10,541.16 for 3 children
£14,054.88 for 4 children
£17,568.60 for 5 children
£21,082.32 for 6 children

Tax free.

This is not fair on taxpayers or people earning just over minimum wage who can't claim universal credit. To those workers who can't afford any children or only one, who given a choice would love more.

We are going to so many people having extra kids just for benefits. Traders, taxi drivers, businesses that operate on a cash basis who under declare will have no issue having more kids because they will just keep claiming.

ComfortFoodCafe · 30/09/2025 20:21

So basically we are putting the disabled into further poverty so Betsy down the road can pop out 3 more kids for benefits.
wtf.

chocolatebiscuitforme · 30/09/2025 20:21

I worked in the benefits system for over 40 years.

There was a time when lone parents on Income Support didn't have to work if they had a child under 16 years old, then this was reduced to 5 years. I worked with many lone parents who had a child about every so-many years and got to retirement age without ever working. Often the children all had the same surname which was different to the mother's so was obvious they had the same father, but obviously the parents were playing the system.

This is a bit of a conundrum for me. As a society we are living longer and not having enough children to pay for our pensions & care as it is the workers of today that pay for it. We used to be having 2.4 children on average, I understand this has gone down to 1.4. Given that the current working population pay the state pension of us pensioners & also through their taxes & NI payments pay for our increased NHS costs, the figures don't match up. So, it makes sense that the Govt encourage us to have more babies - or at least stop discouraging us from having them.

Either that or open up the borders & allow more immigrants of childbearing age in. But that poses other problems.

Whatever we do it bound to mean increased taxes for us all.

lifeonmars100 · 30/09/2025 20:22

My understanding is that the two child cap applies to the chlld element of UC and tax credits NOT child benefit which is paid to any parent of a child from birth until they leave school. So Betty Brown who works and earns £40K p.a and has 3 kids will get child benefit for each of them. If however she is claiming UC and/or WTC she will currently only get the child element for the first two. Happy to be corrected if wrong

citygirl77 · 30/09/2025 20:22

So what will we have to pay more of, to pay for this?

Sowthegarden · 30/09/2025 20:22

user927464 · 30/09/2025 20:19

THE HIGHER INCOME BENEFIT CHARGE RELATES TO CHILD BENEFIT. THIS IS NOT ABOUT CHILD BENEFIT

I know!!! I stated that on an earlier post!
But people still confuse the two!

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