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

Don't forget TV licence too in calcs.

foof

dont you know were not meant to have tv

oh and those that talkin discounts or trips sorry to disilluion Ds2 brought a letter home they ahev a trip for Georgraphy one night and cost of £82 and big letter saying that work done around this trip and base don will count up to 25% of exam mark

The help available was well we can split into 2 lump sums

Sorry my bad, the goat licence then

NOT looking forward to that one next year, either, THC - the trips essential to GCSE's. DD goes into Y10 in September. And I have to pay EXTRA or she can't have an LSA go with her. Because she hasn't got a statement. Despite ALL her difficulties...

Universal credit does not include:

attendance allowance
bereavement benefits
carer's allowance
contributory jobseeker?s allowance
contributory employment and support allowance
council tax benefit
disability living allowance
child benefit
industrial injuries disablement benefit
maternity allowance
personal independence payment
statutory maternity pay
statutory sick pay
pension credit
war pensions

I'd like to know where these free thins we are meant to have are - did I stand in the wron queue at the jobcentre or summit? I don't see any free bus pass here. I don't see any leisure cards here - not even subsidised swimming anymore. I needed a root canal last year. I was told I could pay £400 for that or get the tooth out for £47. NOT flipping free. Got tooth removed, couldn't afford root canal treatment. Can't afford braces for DD either. Free glasses? Don't make me LAUGH. My glasses cost £200 a pair because I need the flexible-frame ones so that they don't break EVERY time I have a seizure. I get a £30 voucher towards the cost ONCE a year. So if they break more than once (and even the flexible frame ones only take so much abuse), I get NO help towards the cost.

Can someone point me to the right queue please? I think I'd like all these free thins that I don't seem to be getting. Like Free School Meals for DS1. The LEA get money from the Government to provide it, but they refuse because he has to be on a GF diet, and it costs too much. So I have to buy him packed lunches. So the SCHOOL get the money for the FSM's, yet I have to pay for a GF packed lunch for him.

I want my free goat, too.

They ahven't made a decision o0n Carer's Allowance; indeed to qyoute them they 'don't know what to do with it'- apparenlty they can't afford to up it (OK) but don't think £55 is worth having.

It does include Inductrial injury benefit; I found that odd.

Because, Porto, most of those benefits will cease to exist after April 2013, and will be absorbed INTO Universal Credit.

we were told Carers Allowance would be included in universal credit.

Using this calculator:

I got a Universal credit of £21,287 per year including £150 pw (£7800)HB for a 3 bed house.

So 1773.98 per month
Plus CB of 262.77 = 2036.75 per month

Takeaway rent of £720 = 1286.75 per month

Takeaway fuel and travel of £328 = £958 per month

Plus Maintenance of £238 = £1196 per month X12 / 52 = £276 per week.

Council tax plus tv licence etc not included.

Also remember that by using DLA to pay for rent etc we would technically be breaking the law.

Now I could argue that if ds's diisability causes a need for an extra room then it's a valid expense but apparently not allowed.

It's very much their money.

Hunty - yes BUT for NEW CLAIMS

"Between October 2013 and April 2014 - If you are making a new claim you will receive universal credit in place of jobseekers allowance, employment support allowance, housing benefit, working tax credit or child tax credit. You will also be moved onto UC if you are already receiving one of these benefits and your circumstances change significantly, such as if you find work or if you have a baby.

From April 2014 - You may be moved onto UC if it is considered that you will benefit from this - For example if you are on working tax credit and work a small number of hours a week but could work more hours with support from UC.

From the end of 2015 to the end of 2017 - If you have not been moved onto UC already you will be moved during this time. "

Will be interesting what happen with HB becuase ATM the housing limit here is £115 PW not £150

So here very few eill hit the cap I guess (I did once see ahouse advertised for that, shame it said NO HB!)

I am getting this info from the Disability Alliance website btw - not Tory HQ....just in case you were wondering...

Ah no not new claims in that sense Porto

if say your work changes buy an hour or ten pence, or you move that all becomes classed as new claim

For example, when your DLA is reassessed you become a new claim under UC; or if your LL raises the rent or anything like that.

No I unmderstand that Porto- if you speak to anyone in the field theya e confused as there is a LOT of info about, and much of it is wrong.

And a lot is misleading- such as somewhere it says about WTC but what they really mean is WTC without CTC which is different really

Fair point Peachy.

But your claim will be treated as a NEW CLAIM if you have a change of circumstance, Porto. Which could be somethin as simple as your child turnin 5yo. Which, after 2013, will trigger you being moved to UC. Move to a new address? Moved to UC. Older dc turning 12yo? Moved to UC. Rent increase? Moved to UC. Partner leaves? Moved to UC. New partner moves in? Moved to UC. Child born? Moved to UC. Child leaves Full time education? Moved to UC. Child moves out? Moved to UC.

You get the drift, Porto? Even the government admits that they MAY become overwhelmed with the transfer of cases.

And no need to take out CB because the cap has not been reached (even with it included).

Which would mean a delay in payments for those people. With NO social fund to fall back on. As that is going. No crisis loan for food or rent while they take weeks or months to even assess your 'new claim'. It currently takes up to 6 weeks for a new claim for Income Support or JSA to kick in. You can get crisis loans to cover food in that time, but you DO get very behind with your rent until you get the 'backpay'. What happens to those people when there IS no social fund to get anything for food from? Starvation or loan sharks.

OK - but going on the figures that I gave above - which don't take into account any DLA - this is about what I have for food and stuff each month....

But that is a different problem entirely! I agree it is fair to worry about how this will be managed from a logistical point of view - but there seem to be lots of panicky threads throwing numbers around about 62p a day. And yes - there will be cases like that - but again we are back to large families living in expensive properties again....the minority of cases.

"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."

As I understand it, you don't need to deduct child bemefit from this amount because it is below the £26k threshold.

"The government is proposing to introduce a £26,000 cap on the total amount of benefits that working-age people in the UK can receive (including job seeker's allowance, housing benefit, child benefit and carer's allowance), limiting it to £500 a week for families or £350 for childless single-adult households".

www.guardian.co.uk/politics/2012/jan/23/welfare-reform-benefit-cap-questions-answers?newsfeed=true

The cap doesn't work in the way you think, Porto. They don't set a figure of £26k for EVERYONE. It's more 'individualised' than that. They give you a personal allowance, then an allowance for each of the children (up to 4? I think).

THEN they give you a housing costs element. Which will be only enough to pay rent on the bottom 30% of properties in your area (so personal to area). Doesn't matter if those cheap properties aren't AVAILABLE to rent.

THEN they reduce the maximum UC payable in YOUR situation (NOT from the cap figure) by 1.5 times whatever housing costs they are paying you.

THEN, if you are working, and on a low income - it gets complicated. Each family has a different make-up, so each family has a 'personal earnings disregard', whereby they get to keep all of their earnings under a certain figure. Then any earnings over that will be taken OUT of YOUR personal UC figure at a rate of 65p in the pound. In other words, you can GUARANTEE that no-one will be being PAID £26k pa, even WITH housing costs.

My figures reflect the TRUE calculation that will be used for UC.

'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

Nopw, I know THC off MN and if she were ever in that place I would absolutely find somewhere in my house for her and her dcs even if it's 3 to a bed. But that scenario THC lists above is exactly what led to the suicide of this couple here

note he was an ex soldier

note also it's a telegraph link so not leftie press or anything.

Too disabled for JSA, not disabled enough for ESA ends up in suicide.

THAT is what my adorable ds3 (look at my pictures, he really is) faces when he turns 16 pr when I am gone.