26000 cap what it would mean to me

[TheHumancatapult]

ok some of you ahve complained about the £26000 Benfits capped and then slammed into hunty cat for having to much money left

so to balance it out this how £26000 would be broke down for myself as single parent with 4dc

.£26000 straight away 13200 would have gone to the LL .

so thats £12800

left .Discount Cb as peoplle up to £40000 can earn so tale away £3534 approc

so im now down to 9256 .Tale away council tax Benfit thats me down to £7886 .

thats then down to £151 a week
they will then tale of teh free school dinners have 3dc that entitled ( only 1 has but they will do the sums based on what they are entitled to ) so £6 a day times 5 is £30

£121 left take of £15 for water £20 for gas and £20 for electric bearing in mind most wil be on card/key meters taht charge more

would leave me £56 a week for food and clothes and any extras

Now relook at the figures again that im in h/a at £126 a week my hb is £6652

so think the problem lies when your forced into private rented a large amount of your money is swallowed up by Hb .And remember not all LL will takke Hb so often you pay a preimum for sometime substandard accomidation as they are aware that people can not move

And lets also remember those that are working in low income of £18000 Pa will also recieve top ups too of CB , WTC and CTC

(Cap comes in same time as UC; April 2013. How odd that is phrased the way it is! )

Carer's is taxable Kal so ahs always been income fort TCs purposes.

That's okay. I hate people making sweeping statements or claiming things as fact without the evidence to back their claims up, so always like to provide a link where possible. (Wasn't aimed at you, peachy, btw. I find your posts interesting, informative and well-thought-out).

Just for information: (from earlier link):

The following will be exempt from the cap:
?households where someone is claiming working tax credits
?households with a claimant, partner or child receiving disability living allowance
?households with a claimant or partner getting a personal independence payment (PIP)
?households where someone is a war widows/widowers

Thank you brad, appreciate that.

I know that the WTC exemption is a biit dubious; in fact htey ahve changed the goalposts on what a WTC claim will take to qualify- you will need to bring almost £18k into the house per annum as a family to qualify for that exemption. So I think they mean WTC without the CTC element IYSWIM.

I'm pretty sure they voted to scrap the social fund earlier. Info on the Frothers thread but can't find an outside link yet.

That one went through did it? Shame. I;ve known that used by women paying a deposit moving to escape abuse, low icnome families who have been victims of burglary or fraud and lost their basic cash.... so important and the food banks can't pick up the slack.

Course they think everybody should join a credit union.

Brad really that list means nothing by current standards! PIP will be MUCH ahrder to get than DLA is at the moment, we know this very well; I have had sight of the checklists and know several severely disabled, unable to work people who will fall short of the points needed: most are over turned at appeal but that system is backlogged by months and months, and legal aid for that appeal is being ceased anyway.

And I am certain it is housegolds getting WTC but not CTC as the numbers in the bill don't work anyway- technically it means people arning over a figure just under £18k, not anyone working voer 16hrs per week as it f does now.

Balance that against the ways people can fall outside the entire benefits system- assessed as able to work but wrongly, register for an appeal, wait ages and be struck off becuase you cn't wor workfare; be told you have to do 20hrs PW as tou are no longer eligible for carer's Allowance (being changed to tonly those caring for someone on HR DLA), be aloocated workfare at a time of their choosing that you cannot do with childcare- be struck off claiming. If your business makes a loss but seems viable in the longer term you would be better advised to sack everyone and claim JSA- equivalent as if you bring in under MW you will still be counted as earningt hat and entitled to little even if it is just bercuase your supplier ahs been hit by an earthquake (somethingt hat happened to us after Japan) or whatever.

I am NOT anti welfare reform but this system makes too many victims and throws up too many anomallies.

Something occurred to me with THC's figures.

She's started out at 26K but will she actually get as much as 26k in the first place?

I think THC was merely using a hypothetical example of someone on the capped £26k benefits to see whether, in practice, the amount is quite as generous as it perhaps sounds.

From what I understand, she will not personally be affected by the benefits capdue to her personal circumstances (but feel free to correct me if I have misunderstood).

Not sure brad- theys topped her DLA by doubling the minimum requriements for number of epileptic fits suffered per week and pretty much leaving her stuffed (sadly doubling minimum requirement not same as no longer being bedridden a day a week following a nasty fit)

Not at the moment no Brad as she recieves DLA but when the changes to PIP come in she is worried she might not be eligible for that as they are moving the goalposts again on what constitutes care needs and mobility problems. If you have to use a wheelchair to get around for instance they will class you as being fully mobile and in no need of any help at all.

If it is a hypothetical example though it's hard to get accurate as would need the exact number of children etc that someone who was getting the 26k?

When did they get away with the Social Fund?
We have used it in the past and it is a lifeline, especially as at the time Dole was a pittance so you couldn't save money for big expenses like White goods or moving costs.

I don't think it's fair to kick out families who are having a good run of luck from their reasonable priced council houses. Most families are one step away from needing that housing security, divorce, disability, death of partner. Kicking them out into private houses charging market rents is just continuing the rise in rental costs. We need this rental cost to come down to be fair to everyone. Affordable housing costs isn't a priviledge(sp) it should be aright for everyone.
As it is the mortgage companies who ultimately decide rental prices maybe they should be made to change these agreements where a LL can only let to working tennants. It is the least they could do as they are responsible for so many firms going bust putting so many people out of work

Debs yes but insurance companies demand it too

And when related threads come up the LLs say they would not want someone on HB

Except people like. Becuase real life people with back stories always seem different to homogenous groups don't they? Except there is no such thing as that group....

It is entirely possible to be a disabled lone parent and ALSO be a carer to children with disabilities. Or should everyone who happens to be disabled, with dc that have disabilities, give those dc up and put them in care (costing the taxpayer a FUCK sight more than the £55 a week that carers allowance is) if their partner walks out on them.

Parents of dc with disabilities have a MUCH higher likelyhood of separating, due to the additional pressures of caring for a disabled dc. I think the figure is in the region of 70%.

Add in the fact that the parent that walks away is also helping to care for a disabled partner...and I'm sure that the figure is closer to 90%.

I have uncontrolled epilepsy that was diagnosed AFTER 3/4 of my dc were born. AFTER I was diagnosed with epilepsy, my eldest child was diagnosed with Autism, and a NUMBER of other medical issues. THEN my 3rd child was diagnosed with Autism, severe brittle asthma and muscle problems.

When my partner left me, should I have put those dc in care? Have you ANY idea how much taxpayers money would be spent on that? Rughly in the region of £3,000 PER WEEK PER CHILD. As compared to the total £55 a week for BOTH children that I would get if I was getting Carer's Allowance.

How many of those places on Rightmove are adapted for a wheelchair user? None? THC's current property IS. A lot of people that need adapted properties ARE paying way over the odds for the 'privilidge' of having a wheelchair accessible house, often in an area where the OTHER costs (like water) are higher. And having adaptations done to your house can actually RAISE your council tax banding if one of your neighbours complains.

Your rent at over 1k per month is too high, move to a cheaper area or smaller property.

My sister and her husband have three children, live in a three bed house, and pay £600 pcm. They both work, and so I appreciate that the rent will be more with housing beneift, but over double, that is just rediculous.

Life can be shit sometimes, but I think you would be better off finding a solution, than moaning here.

Deb75 - 80% of HB clamiants are working.

Shouldnotbehere - the OP is a wheelchair user. She needs adpated properties of which there aren't many in the private rental market I would assume. These would probably come at an extra premium.

Anyway it's all well and good saying people should move but how far could you reasonably expect someone to move and uproot their family/disrupt schooling/move from support of friends and family? Should all the people in London move to the north perhaps?

If landlords refuse to take HB tenants then tenants don't have any option to move, so where they should move to is academic.

Where I live (which is economically bouyant) all new schemes include 40% social housing. There is a lot of new building going on but almost all of it is flats, which isn't much good for families. I am hugely in favour of a big publicly funded affordable housing building initiative. This would drive down house prices which I think would be generally a good thing.

I suspect that it would be very unpopular with some house owners though.

o should know better but am back

brather my sums were done on a 4 bed bungalow and can assure you that is the council tax .No i dont live in Harlow.Harlow as a example .Im pretty identifaible so not going to give my actual town

No i can not move , ds3 is in a sn school and as been pointed out wheelchair access was a big stumbling block

social fund no longer exists ,

brad those figures I gave was exactly how would have stacked out right up to the first of Jan this year (minus the disablity issues) so showed it was not all plasma tv

As someone has righly pointed out i am at the moment protected from the cap .But with PIP coming in there is every chance i will not be protected and reasonable chance i will not qualify for ESA full support so shall be expected to be in the workfare and then that is when im in serious problems as obviously no protection no PIP but still the disablites

I have infact started to make enquires and been told i can not qualiy for JSA as they siad due to circumstances im not employable but also been warned i may be turned down for ESA .So would tehn need to appeal in the meantime I will get neither

You crossposted with me there, shouldnotbehere. Does THAT make it any clearer why the OP can't just move.

Who will be under the cap? Well, that depends on their RENT. Nothing else dictates how much they get. The rest is a set amount in their pocket.

This is worked out on a Lone Parent with 4 dc, in the SE, in a HOUSING ASSOCIATION home. That costs £720pcm to rent. (As, when UC starts, they will be charging 80% of local private rents for social housing. A 3-bed private here = £900pcm). Her water bills are £27pcm. Her gas costs are £20pcm. Her electricity costs £108pcm. Her travel costs to get her dc to school are particularly high at £173pcm (averaged out over the year, for the 40 weeks they attend school).

They would get Child Benefit - £262.17pcm. Their UC would be made up of 3 elements: UC personal allowance - £292.50pcm. UC 4 dependent children - £851.67pcm. UC Housing - £480.00pcm (The maximum paid for a 3-bed)

If there are housing costs included in the UC, the maximum amount of UC that can be paid to the claimant will be reduced by 1.5 times whatever those housing costs are.

Now it gets complicated...1.5 times the housing is £720.00pcm.

The maximum amount of Universal Credit that can be claimed by ANY family, other than those in receipt of Disability Benefits is £26,000PA, or £2,166.67pcm.

Maximum Universal Credit that could be payable to this Lone Parent is £1,894.17pcm, based on the totals for the elements she is allowed to claim for. Less 1.5 times the amount of help with housing costs that this Lone Parent has claimed for leaves £1,174.17pcm. So the most Universal Credit this Lone Parent can receive is £1,174.17pcm.

THEN you need to deduct the Child Benefit that this Lone Parent receives for her children from that amount. As the Government, though it was defeated in the HoL, has insisted that they will include it in the capped amount. This leaves just £912.00pcm Universal Credit that this Lone Parent will be paid per calendar month.

So this means that the Lone Parent is given:

£912.00pcm Universal Credit
£262.17pcm Child Benefit.
=£1,174.17pcm.

THEN she has to pay £720 rent out of that. Which leaves just £454.17pcm. For 5 people.

Her other outgoings are: Water £27.00 , Gas £20.00 , Electric £108.00 , Travel £173.00. Total of £328.00pcm.

Deduct that from the UC that is left after her rent, and you are left with just £126.17pcm. OK, this Lone parent ALSO gets a total amount of maintenance (for 3 out of 4 of her dc) of £238.00pcm. WHich leaves her with £364.17pcm.

£364.17pcm to FEED AND CLOTHE 5 PEOPLE. That's just £2.39 per person per day.

NOW do you think the new rules are right? If a Lone parent with 4 dc won't be ettin the full £26k, then who the FUCK will? OH, that's right - people in PRIVATE RENTED HOUSES BECAUSE THERE WAS NO SOCIAL HOUSING FOR THEM.

It's the lack of social housing and the astronomical costs of private rented houses that are the problem, not the money benefit claimants get in their hands!

shouldnot##

your be pleased or probably not but I have just moved into social housing so im not costing the tax payer anywhere near as much now ( gets prepared to be called lucky etc etc )

but that was my figures and not only one in those cicumstances i am {hmm} that my circumstances were bad enough to get me social housing

but my figures do show that those in private rented are going to be hit harder

Hunty im bricking the change with rents/Uc /PIP etc