I only found out about these proposed changes by chance about 3 weeks ago.
I am a 41 year old married father of 2 young boys & I am terminally ill with cancer, therefore this change will have a significant impact on my family.
Therefore I went to see my MP (Conservative) about it as soon as I found out. He was very sympathetic & knew nothing about these changes.
Anyway, despite his initial apparent support I have drawn a blank as today I received a fob-off letter from Lord Freud (the unelected 'Minister for Welfare Reform' who following a morally dubious career in the City is now busying himself in the aftermath of the financial crisis by making the poor pay for the risk-taking of the rich).
What I can tell you based on that letter & the other documentation I have received from my MP is as follows:
- Bereavement Support Payment (BSP) will replace Widowed Parents Allowance (WPA)
- According to Freud's letter, BSP will be introduced 'after the introduction of the single tier pension'
- According to the policy documents I received, BSP will come into effect from April 2016 for new claims.
- Those already in receipt of WPA 'will be transitionally protected & will not be affected by the change'. (So as long as I die before April 2016, then my family should still receive WPA).
The key differences between WPA & BSP:
1) Bereavement Payment: the one off Bereavement Payment will be increased to £5,000 under BSP, from £2,000 under WPA.
2) Reduced period of payment: WPA is paid whilst the child is eligible for Child Benefit (i.e. potentially up to 18 years). BSP will be paid for 12 MONTHS ONLY.
3) Amount paid: BSP will be capped @ £400/month, whereas depending on circumstances WPA could be more (e.g. if deceased had a perfect NI contributions record, then a widow with 2 children could receive approx £468/month).
4) NI Contributions: BSP will have relaxed NI contributions criteria, whereas the amount of WPA paid was dependent upon the deceased's NI contributions. Therefore BSP completely erases the contributory principle of National Insurance payments & benefits.
5) Benefit Cap: BSP is to be disregarded in full for Universal Credit & the household benefit cap, whereas WPA counts towards the household benefit cap & is taken into account when establishing eligibility for means tested benefits. Therefore further severing the contributory principle.
In Summary:
The biggest winners under the new system are widows who are already in receipt of means-tested benefits & where the deceased had made minimal NI contributions, as they will now get more under BSP than they would under WPA.
The biggest losers under the new BSP (compared to the old WPA) are widows with young children that don't qualify for means tested benefits & whose dead husbands have made substantial Income Tax & NI contributions (i.e. my wife & children).
So, having now been given the brush off by my MP I'm not sure what to do next.
The bill has already been passed by the Commons & is now in the House of Lords.
Does anybody have any idea whether anything can still be done?
I was interested to see that when The Daily Mail reported on the proposals it was very hostile to it (even though the DM usually approves of any sort of benefit cuts).
I guess even the DM thought that widows & bereaved children were a soft target:
www.dailymail.co.uk/news/article-2348637/Widows-left-abandoned-snatch-vital-benefit-changes-pension-system.html
Now the details have been published, including the destruction of the contributory principle (the very foundation of the Welfare State) I'm sure they would be even more against it.
Does anybody have any ideas how to go about getting a newspaper involved in an issue like this?