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To wonder why child benefit doesn't get the same "triple lock" (or even double lock) protection that Pensions get?

145 replies

escapegoats · 05/10/2026 17:24

I just asked AI to calculate how much child benefit we would get if it had also had the protection of a triple lock and it would be around £230 every 4 weeks for 2 children . Currently I get £179

Surely instead of all the tinkering type policies Labour could come up with some initiatives like this?

OP posts:
ExpectMore · 06/10/2026 10:00

Vanillaicelatte · 06/10/2026 09:56

But you choose to be a parent

that’s your choice. -no one else’s

@ElanaohElana

Agreed, aside from providing good education (inc nurseries) for all free of charge (ie those big ticket items best done at scale and in the interest of society), what more support do parents need from the government?

If parents can’t afford to have children without government support (= other people’s money), then they shouldn’t have them.

ExpectMore · 06/10/2026 10:00

Vanillaicelatte · 06/10/2026 09:59

I know my step sons just had his second kid with his partner and they are moaning about money cost of child care

having to work part time

it’s like don’t have kids if you can’t afford them

Agreed. People need to be more accountable for their own decisions and think ahead

dogsaremybusiness · 06/10/2026 10:11

ExpectMore · 06/10/2026 09:51

This. I never understand people who bring kids into the world they can’t afford.

I know, right? I was really broody at 25, but waited a few more years to actually have kids and give them the life I wanted for them. Child benefit back then was about £30 a month for 2 kids. Paid a fortune in nursery bills. Worked since I was 16, but some people want to shave money off a paltry £964 a month in my old age. Fucking hell. No words.

KTheGrey · 06/10/2026 10:54

cartagenagina · 06/10/2026 05:33

But that’s not how it works at all!

The payments made throughout your working life through NI and taxation don’t go into a little pot marked “Gina’s future pension”. Those payments went to the pensioners drawing at that time.

I am in my sixties and am well aware that my pension will be paid for by the current working generation.

But there’s far too many of us and we’re living far longer than the original system thought we would. Couple that with the decline in babies being born (aka future taxpayers) and you start to see the scale of the problem.

Old age pensions in their current form are unsustainable in the UK. Unless people start to have loads more children. The highest birth rates are among migrant families.

I am aware of how it works - partly because that is also how it fails. However, if someone has paid in 35 years plus of NI having been told was to fund pensions it is not unreasonable to expect the state to provide a pension. It isn’t the fault of pensioners that it was run by economic illiterates who failed repeatedly to build up a sovereign fund or equivalent investment for variations in future tax income.

Nobody’s anything is being paid for by tax at the moment: everything’s being covered by debt.

The answer is more likely to be to ditch the triple lock than inflate all unearned income.

KTheGrey · 06/10/2026 11:32

ExpectMore · 06/10/2026 08:42

@MeowDoku@CherryStripe you referenced “public sector” not specific sub sections of it.

The facts are that public sector pay is increasing faster than inflation.

Re. Councils, honestly, however much they’re paid it’s too much. The level of service and competence from my local council is shockingly bad.

I think councils have incentivised the wrong tiers of work.

If refuse collection got their budget and incentivised bin collection and customer satisfaction on very straightforward metrics, and bonuses are paid on those metrics, I think bins would get collected.

If you incentivise getting into management where there is no accountability and no incentives for getting rubbish collected, the only people who care about refuse collection are the punters.

SerendipityJane · 06/10/2026 12:04

There is a distinct whiff of "We want everybody to be above average" type of non thinking here.

Bringemout · 06/10/2026 12:10

I’d get rid of child benefit and offer a tax free allowance per child instead.

WearyAuldWumman · 06/10/2026 12:13

I recall that when I was a child, rather than child benefit a father would be given x amount of tax relief. This was then changed to child allowance in the mother's name in an attempt to avert financial abuse (although it was at first only given to mothers with two or more children).

I do agree that child benefit should be protected. I don't think it should be means tested at all, given that it's for the child's welfare.

tootiredtobeinspired · 06/10/2026 12:19

doggoneitmercy · 05/10/2026 17:51

State pension is not a benefit. You can’t compare the two.

But it is a benefit though. You can kid yourself its not but it very much is. You do not pay into some magical pot that is invested for doggoneitmercy and then you receive out of that.
State pension is paid from the tax collected that year. No magic pot I am afraid. Also the amount of NI paid in by most low paid workers is nowhere near enough to return the amount they receive back. Therefore it is a benefit.

Lifelover16 · 06/10/2026 12:21

Meadowfinch · 05/10/2026 18:03

The triple lock was created in 2010 because the uk's state pension was dangerously low and pensioners were struggling to even manage the basics. The intention was to gradually bring the pension up to a liveable level. The govt of the day couldn't afford to do it in one big jump.

That objective has been achieved over the last 15 years, so it is now reasonable to ease back on annual increases, given the CoL crisis affecting all age groups.

Edited

And £12700 pa is enough for pensioners to live on?

Mattsmum2 · 06/10/2026 12:23

escapegoats · 05/10/2026 18:07

Given I work full time (plus two extra jobs and volunteering) despite grinding chronic illness it's definitely not a case of expecting the state to pay for everything. It's just a case of feeling there needs to be some rebalancing.

My salary and CB have been continually eroded by below inflation pay rises. I already do two additional jobs that luckily I can do mainly from home. Bar a miracle cure I can't work any more than that.

Maybe ask the train drivers to share their 14% pay rise in 2022! I had read that even those that had left got the rises backdated, how fair is that?

Differentforgirls · 06/10/2026 12:31

Mattsmum2 · 06/10/2026 12:23

Maybe ask the train drivers to share their 14% pay rise in 2022! I had read that even those that had left got the rises backdated, how fair is that?

Very. If everyone got it backdated to before these people left, then they should get it backdated for the time they were still working there.

zoeslim · 06/10/2026 12:35

It should be scrapped people should look after their own kids

Differentforgirls · 06/10/2026 12:36

zoeslim · 06/10/2026 12:35

It should be scrapped people should look after their own kids

What should be?

zoeslim · 06/10/2026 12:36

Differentforgirls · 06/10/2026 12:31

Very. If everyone got it backdated to before these people left, then they should get it backdated for the time they were still working there.

But Labour grovel to them every time

Differentforgirls · 06/10/2026 12:37

zoeslim · 06/10/2026 12:36

But Labour grovel to them every time

To whom?

zoeslim · 06/10/2026 12:37

Differentforgirls · 06/10/2026 12:36

What should be?

Child benefit
Why should I pay tax to support other people's kids

zoeslim · 06/10/2026 12:38

Differentforgirls · 06/10/2026 12:37

To whom?

The Unions

RainbowRiot · 06/10/2026 12:39

zoeslim · 06/10/2026 12:37

Child benefit
Why should I pay tax to support other people's kids

Did your parents get child benefit for you ?

zoeslim · 06/10/2026 12:41

RainbowRiot · 06/10/2026 12:39

Did your parents get child benefit for you ?

I have no idea if they did it was wrong people should look after their own family not expect a bale out from taxpayers

Lifelover16 · 06/10/2026 12:41

zoeslim · 06/10/2026 12:37

Child benefit
Why should I pay tax to support other people's kids

I agree. Scrap child benefit and provide tax breaks and free childcare for parents

zoeslim · 06/10/2026 12:42

Vanillaicelatte · 06/10/2026 09:59

I know my step sons just had his second kid with his partner and they are moaning about money cost of child care

having to work part time

it’s like don’t have kids if you can’t afford them

agree totally

zoeslim · 06/10/2026 12:43

tootiredtobeinspired · 06/10/2026 12:19

But it is a benefit though. You can kid yourself its not but it very much is. You do not pay into some magical pot that is invested for doggoneitmercy and then you receive out of that.
State pension is paid from the tax collected that year. No magic pot I am afraid. Also the amount of NI paid in by most low paid workers is nowhere near enough to return the amount they receive back. Therefore it is a benefit.

It is paid for

zoeslim · 06/10/2026 12:44

Lifelover16 · 06/10/2026 12:21

And £12700 pa is enough for pensioners to live on?

Your parents must be so proud of you
Dont u get that if pensons rediece now it will eventually affect yoiu FGS

Differentforgirls · 06/10/2026 12:46

zoeslim · 06/10/2026 12:37

Child benefit
Why should I pay tax to support other people's kids

I imagine you pay very little tax considering your understanding of the issue.