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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think my universal credit feels generous.

1000 replies

MoonBaby1 · 20/06/2026 14:10

I got to my early 40s without ever needing to claim but circumstances find me single and paying the lions share of child related outgoings.

I work full time on£31,000 and have found out this year thanks to applying that I get on average about £800 from UC. It has been an absolute life changer and will hopefully be able to afford a modest uk holiday actually during the summer holidays and pay the school back some debt im in for after school care.

So many benefits bashing threads so I just wanted to present another side that as a cash strapped mum of two who works full time, UC is making a positive difference to our life. I didn't even think id qualify!

OP posts:
Thread gallery
5
youalright · 20/06/2026 21:50

Pickledonion1999 · 20/06/2026 21:47

UC will not start the work capability assessment if earnings are over 16 x nmw per week unless the claimant has PIP in place. I'm just letting that poster know this so she doesn't waste her time.

Edited

I thought you could get lcwra without pip. I know they had talked about changing it so you couldn't but I didn't realise they had. But the poster can claim pip first then claim lcwra.
Edited to add yes you can I just googled it

Pickledonion1999 · 20/06/2026 21:52

youalright · 20/06/2026 21:50

I thought you could get lcwra without pip. I know they had talked about changing it so you couldn't but I didn't realise they had. But the poster can claim pip first then claim lcwra.
Edited to add yes you can I just googled it

Edited

You can but someone would need to be earning less than 16x nmw before they will post out a UC50 form. Unless they are on PIP in which case this doesn't apply.

BlueFahrenheit · 20/06/2026 21:53

catspyjamas1 · 20/06/2026 21:44

Solution is to scrap the entire system and start again from scratch with a cross party consensus and plan, ratified in the HOL and then taken to voters as a standalone referendum.

You are absolutely right. It needs to be dismantled and rebuilt.

youalright · 20/06/2026 21:53

Pickledonion1999 · 20/06/2026 21:52

You can but someone would need to be earning less than 16x nmw before they will post out a UC50 form. Unless they are on PIP in which case this doesn't apply.

Edited

16 times nmw what's that like £200 an hour im pretty sure the poster isn't a footballer

ProudCat · 20/06/2026 21:53

catspyjamas1 · 20/06/2026 21:42

Again, NOT the problem of the tax payer to fix.

Two adults decided to procreate.

Two adults earn £60k between the two of them.

Now, one is claiming £800 a month at the expense of the taxpayer and planning a holiday.

Jesus Christ.

Couldn't agree more. My rent is in the SE is £400 to an HA. If the claimant had the same deal then the taxpayer wouldn't be buying someone else's pension fund via buy to let.

Pickledonion1999 · 20/06/2026 21:54

youalright · 20/06/2026 21:53

16 times nmw what's that like £200 an hour im pretty sure the poster isn't a footballer

Per week.

youalright · 20/06/2026 21:55

BlueFahrenheit · 20/06/2026 21:53

You are absolutely right. It needs to be dismantled and rebuilt.

That would cost an absolute fortune it already takes years to get pip and pip renewals as it is if every single person in the country had to reapply it would take about 10 years for the dwp to get to their form

youalright · 20/06/2026 21:55

Pickledonion1999 · 20/06/2026 21:54

Per week.

You are talking absolute bollocks

XenoBitch · 20/06/2026 21:58

catspyjamas1 · 20/06/2026 21:30

No? Two parents earning £30k each. Even if they are not together, that's £60k. Their living arrangements are not thr taxpayers problem to fix.

They are not one household! They have also split up. You can live with someone and be separated, and the other person's income not taken into account.

I am on UC, and have a DP of 3 years. His income is not taken into account at all because we do not live together and do not share finances, just like the OP.

It is a very slippery slope to go down if you think the income of people you do not live with should have their finances taken into account when applying for benefits.

youalright · 20/06/2026 21:58

Right some of us have work in the morning enjoy your Saturday night slagging of people on benefits and the disabled. Night xx

BlueFahrenheit · 20/06/2026 21:59

How righteous of you to be a responsible individual.

farref · 20/06/2026 22:00

I thought nurse pay increases over time

BlueFahrenheit · 20/06/2026 22:01

youalright · 20/06/2026 21:55

That would cost an absolute fortune it already takes years to get pip and pip renewals as it is if every single person in the country had to reapply it would take about 10 years for the dwp to get to their form

Necessary.

We're spending a fortune on holidays on benefits already.

Pickledonion1999 · 20/06/2026 22:01

farref · 20/06/2026 22:00

I thought nurse pay increases over time

It does. Uc would go down as earnings rise.

XenoBitch · 20/06/2026 22:02

youalright · 20/06/2026 21:58

Right some of us have work in the morning enjoy your Saturday night slagging of people on benefits and the disabled. Night xx

I hope you manage to stay cool x

XenoBitch · 20/06/2026 22:02

Marieb19 · 20/06/2026 21:37

The main problem is wages are too low, but benefits and taxes are too high. Your £800 per month benefits are being paid from the taxes taken from people who are often earning less than you and can't possibly afford a holiday.

If they are earning less than OP, then they would be entitled to UC too.

youalright · 20/06/2026 22:02

XenoBitch · 20/06/2026 22:02

I hope you manage to stay cool x

Thanks lovely you to x

XenoBitch · 20/06/2026 22:04

LuckyHazelFox · 20/06/2026 21:39

Some have been around the block with their round of excuses. One woman on PIP wasn't taking her medication and was storing the boxes up in piles. When she left her bloke for another man, she stupidly forgot to take the meds out of the back of her wardrobe. He shopped her and I don't blame him.

Oh come off it... he only shopped her out of spite because she cheated on him.
If they were still happily together, and found the pills, I can guarantee he would have not done anything. If anything, show concern for health.

XenoBitch · 20/06/2026 22:04

BlueFahrenheit · 20/06/2026 21:39

Memories can be made in many spaces.

It is not up to you to say how other people make memories. It is none of your business.

BlueFahrenheit · 20/06/2026 22:06

XenoBitch · 20/06/2026 22:04

It is not up to you to say how other people make memories. It is none of your business.

I never said it was, dear.

Intuition and common sense indicate someone who is TRULY impoverished cannot afford a caravan holiday.

LuckyHazelFox · 20/06/2026 22:06

XenoBitch · 20/06/2026 22:04

Oh come off it... he only shopped her out of spite because she cheated on him.
If they were still happily together, and found the pills, I can guarantee he would have not done anything. If anything, show concern for health.

Xeno there is no defending her. She's a cheat in more ways than one!

BlueFahrenheit · 20/06/2026 22:06

LuckyHazelFox · 20/06/2026 22:06

Xeno there is no defending her. She's a cheat in more ways than one!

Fraudulent 😂

Marieb19 · 20/06/2026 22:07

XenoBitch · 20/06/2026 22:02

If they are earning less than OP, then they would be entitled to UC too.

Only if they had children

XenoBitch · 20/06/2026 22:10

Marieb19 · 20/06/2026 22:07

Only if they had children

That too. Single adults with no kids get hardly anything, if anything,

LuckyHazelFox · 20/06/2026 22:10

😆 🤣 she went mad at her ex when her GP called her into the surgery for a meeting 😆 can you believe the cheek of her. Brass neck but it takes that to fiddle the system.

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