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?

Am I right in thinking you can’t claim UC if you own a property?

Change it to a rented a house you’ll likely then be entitled.

And when those children are grown your entitlement will be very low or ended whilst you have no job.

You can buy your mortgage won’t count so if you have a 1k mortgage they won’t pay a penny towards it. 1k rent and they will
pay towards it.

Only if you dont live in it as then it's basically a capital asset.

Yes you can if you live in it.

Yes there needs to be this system I agree. But they should not be getting MORE than you get working full time! I’ve just found out I would get £400 a month more not working. And I’m not working a minimum wage job either. I’m a full time NHS professional. Benefits are clearly too high if I’m better off not working.

And yet once the children turn 18 or leave full time education all this money will stop. Where that leaves a single mum who still has to be a full time carer for a disabled adult child who will never be able to work is basically up shit creek.

As a single person over the age of 25 there is an allowance of £393. If you rent you are unlikely to have your full rent covered because of LHA. You will also have the full amount of Carers Allowance deducted from your UC. The Carers Element of UC is lower than the amount payable in Carers Allowance so that will also be deducted from your £393.

Although the child will be able to claim UC in their own right that will never make up for what has been lost by them no longer being included in the parent's claim. Oh and to top it all the amount which they will be able to claim for their disability in UC is being cut by 50% from next April. And the government are thinking of stopping it all together if they are under 21.

But hey, all those disabled people and carers raking it in.

And they won't have a high income to fall back on. But go on, have a laugh about how you can claim all this money from the government. Excuse me if I don't join in.

Do you have savings?

I don't know why you're "lol"ing - great comeback by the way. She's right

But presumably via your job you are paying towards a pension?
I only get the "pension credits" due to claiming Carers Allowance so when I am finally retirement age I am probably going to be a bit doomed (😬).
If you stopped working you'd get the UC but lose paying into a pension.
I think anyway 🤔

The calculators aren't reliable.

I mean I don’t see why you wouldn’t if it’s available to you but that is higher than I thought for claiming.

Not above £5K no, it asked me that on the calculator.

We barely make ends meet. We can afford to live but no extras, and I had to cancel my NHS pension as I couldn’t afford it anymore.

No I don’t have a pension. Can’t afford the NHS contributions. My retirement plan right now is die!

Oh well forget what I said about pensions then 🙁

Hmm I'm high rate tax payer, have two children and I think this year will be the first year that I will have to pay back some child benefit so not sure how you qualify?

I have friends who don't work who get more money then me! I work full time. Crazy. After tax and everything my workless neighbours do better then me. 1 neighbour was bragging they had a new car paid by pip. My car is 20 years old. I am doing everything wrong and according to the calculator I woukd get more money not working, discounted council tax, freebie, free childcare on top. Wtf!

How? My husband and i bring 60k, two kids. We are entitled to nothing

Claim it, the government don't think twice about claiming all their perks, taxpayers pay for most their stuff.

She’s not. And I am not arguing on mumsnet, I just laugh and move on 😂

Thea is topped up to the equivalent of £115k and is very pleased when the two child cap is lifted as it will be thousands more. There are crazily high awards.

https://www.mirror.co.uk/news/politics/skint-pregnant-mum-four-budget-36309267#google_vignette

That does suck.

Claim what you are eligible for. They will take it back from you in another way at some point in the future.

This is just utterly ridiculous that higher rate tax payers are claiming and those with disabilities are being vilified. And being told just to claim it whereas those with disabilities are castigated. Mumsnet is a very strange place