AIBU to claim UC with a 'high' income

[Loriclimbs]

I am very conflicted about lifting the two-child cap. I know many would benefit from it but it would lead us back to more abuse of the system. I, however, have three children myself. I have gratefully received UC in the past but as my income has grown I am currently no longer eligible.

With the addition of my youngest child, I will now be eligible for approximately £200 per month. I an a higher rate tax payer abd Icurrently pay over £1200 in income tax alone per month. I have to repay the majority of the child benefit I receive.

AIBU to claim what I am entitled to?

How?I work part time and my husband full time. And we don't qualify🤷🏻‍♀️

Are you joking?

So you know what every family on UC gets do you?

Can you afford to pay for your own healthcare?

@August1980 are you thinking of Child Benefit not Universal Credit?
That's the one that's around £20 a week and not the one that was affected by the cap.

Children with disabilities (explained in the thread)

I don't see where OP says they have a disabled child (might have missed it) and I think they are home owners (mortgage).

Sometimes,government money is generous!
I have a decent occupational pension and the State one and am able to live reasonably well: I live in charitable housing.
As I am quite disabled at the moment,I was advised to apply for Attendance Allowance. I was pleasantly surprised to be given the higher rate,based on my application, in which I had been totally truthful.
It is not means tested, and can be used for anything. It pays for my cleaner twice a week and principally for my travel,as I have to take Ubers everywhere,not being able to manage trains and buses.. It is a boon.You can only claim Mobility if you are on PIP,ie not a senior pensioner.

A note of caution,my DD claimed Working Tax Credit when it existed,they frequently overpaid her and then the overpayment was deducted from the next year's payments.Perhaps Universal Credit is a bit better administered......

I don't disagree with you claiming it, but I do disagree with lifting the cap. It will encourage many more people who are either not in work or young women in disadvantaged backgrounds to have more children. I feel, this country's benefit system is a joke, and a lot of people milk the disability benefits, that are capable of working. I also see people with real disabilities and difficulty doing normal daily tasks being refused PIP. There is no fairness and it needs someone to be tough and make the hard decisions to fix it. I personally wouldn't want to bring any more kids into this world at the minute with the state of this country, and others.

Everyone should quit work and claim benefits. Life would be amazing! Think of all that stress you could leave behind. I currently work full time as does dh, but the quality of life we could have together if we could ditch the 8-5…I can’t be arsed anymore, so I might go visit the ‘what are you entitled to’ site to!

What a load of bollocks.

Go for it, then be prepared for a shock when you both quit your jobs because the calculators aren’t always accurate.

Why? Even if I get 75% of what I do now not having to work would be well worth it. I don’t actually enjoy working. In fact, some days I desperately don’t want to go in. Why should I bother, if I can get money for free?

You likely haven't got anything wrong except that you bought rather than rent and have probably stuck to two kids, neither of which are disabled thankfully.

You think you can quit your job and UC won't come nagging you to work?

I will be losing my job next year after 42 years of constant working and have the very generous amount of £92 contributions based JSA to look forward too for a maximum of six months in return for 35 hours of job searching per week. Can't say it is that tempting.

Exactly what I was going to ask. How can you get UC if on a good wage. Can any of us claim it?

You can get the disabled child element for any rate of DLA (or the severely disabled child element for those in receipt of HRC DLA or enhanced daily living component of PIP), it isn’t only MRC or HRC.

It is the carer’s element that requires the person being cared for to receive MRC or HRC DLA (or one of the other relevant benefits, such as the daily living component of PIP).

Good luck
i get £400 UC and £368 jobseekers
my mortgage is £585… so that’s £183 for food, council tax, gas, electric, water, and any other bills

Getting it confused with the carers element! Even some people who get it like me find it confusing and hard to keep up with. 😂

My son gets HRC DLA which means I get the severely disabled child element, it probably had me thinking you only get if your child is severely disabled too.

Don’t care if they do. I’ll keep a log of all the jobs I’m applying to. Meanwhile I’ll work on a diagnosis of severe anxiety.

I don't understand this.
I am a solo mum, worked and saved my whole life. Fell pregnant unexpectedly after being raped. I am not working because the cost of childcare means I would be a couple of hundred pounds better off a month working full time which just isn't worth it.
I am currently a stay at home mum living off the £26 k I had saved for a house deposit.
I am not eligible for UC. I get £100 child benefit and that is my only income. I transfer £800 a month from my savings. 🤷 The changes don't affect me at all. I don't pay anything into the system, I don't receive anything. I kinda feel forgotten about 😅. I don't want to wish my daughters toddler years away, but I am looking forward to going back to work when she starts preschool.

I really don't understand how someone on 72 k is entitled to benefits.

See, you are the type of person who should get help. Yet you get nothing. It’s disgusting.

No one is going to get UC with 26k in savings no matter their circumstances.

pp will be eligible for UC as soon as her savings drop below 16k.

You would get about £620pm between you, and be expected to look for work. If you rent, you will only get enough for a one bed place. Any more, then you have to make up the short fall yourself. You will still have to pay at least 20% of your council tax.
You will be stressed as you will be skint and under pressure from the job centre.

Good luck.