You can still claim unemployment benefits if you work less than 16 hours a week, or earn less than £195 a week or something like that. Still means that 2 parents can put in 15 hours each and bring in just over £20K and still claim benefits.
This is the list of things that exempt you from the benefit cap:
- get Universal Credit because of a disability or health condition that stops you from working (this is called ‘limited capability for work and work-related activity’)
- get Universal Credit because you care for someone with a disability
- get Universal Credit and you and your partner earn £846 or more a month combined, after tax and National Insurance contributions
You’re also not affected by the cap if you, your partner or any children under 18 living with you gets:
- Adult Disability Payment (ADP)
- Armed Forces Compensation Scheme
- Armed Forces Independence Payment
- Attendance Allowance
- Carer’s Allowance
- Carer Support Payment
- Child Disability Payment
- Disability Living Allowance (DLA)
- Employment and Support Allowance (if you get the support component)
- Guardian’s Allowance
- Industrial Injuries Benefits (and equivalent payments as part of a War Disablement Pension or the Armed Forces Compensation Scheme)
- Pension Age Disability Payment
- Personal Independence Payment (PIP)
- Scottish Adult Disability Living Allowance (SADLA)
- War pensions
- War Widow’s or War Widower’s Pension
According to Child Poverty Action Aid, 44% of children living in poverty live with someone who is disabled. Also, the number os people categorised as LCWRA is around 37% (according to Universal Credit Health Data). I think it's a pretty safe assumption that the benefits cap doesn't apply to a large number of claimants.
I am somewhat conflicted. I believe that people with genuine disabilities don't actually receive enough support from the state. However, I also believe that some people should not be in the system - we are a first world country with advanced medicine, and an increased awareness in mental health conditions so how can it be that 25 % of the UK population are living with a disability? (this stat is taken from the government paper on UK disability statistics in the House of Commons Library). If we really do have a population where a quarter of people are disabled then surely we need to focus more on ways to ensure that those with disabilities are able to work? I get it that some people are genuinely incapable, but it can't be 25 percent of the population?
To get back to the OPs original question, I think people get annoyed by all this is that something does smell a bit "off" as the numbers don't make sense....