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

YES, the cap is a maximum, so someone with 5/6 dc would go over that now IYSWIM. BUT the way UC will be calculated will actually pay out the way I have explained above.

DS3 turns 5 in 22013

Lucky us, guess we will be guinea pigs; squeak squeak frigging squeak

But this example doesn't reach the cap. Even using the personal allowance you give above - you don't NEED to take out CB - so a quick add up still gives me £258 per week after rent and bills.

CB and maintenance gives nearly £500 on top of the UC in HC's case.

I still don't undersatnd what you are basing your calculations on, HC. Do you have a link at all?

'The government has cut capital funding for housing associations by 60%, requiring HAs to borrow more from private sources, and forcing them to set affordable rents for new-build properties at 80% of local market rental value.'

From the article you linked to, brad.

Also - WTC is exempt FOR NOW. But it will be absorbed into the new UC from 2013, at which point they will no longer be protected. Carer's alllownce is alos probable to be included in the cap. DLA is changing to PIP - which may or may not be included, hasn't been decided yet. . Hence people asking for a PAUSE for EVERYTHING to be worked out PROPERLY before pushing the legislation through to the statute books. They are rushing it so much that they haven't yet decided what will and wont be included, whether 'passported benefits' such as free school meals, the £30 NHS glasses voucher etc, will be included in the cap too. FSM's are likely to be included.

I am basing my calculation on the UC policy briefing notes. Which sets all of this out, albeit you have to dig to find ALL the information. HTH.

"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"

I got a Universal credit of £19,490 per year including £120 pw (£6240)HB for a 3 bed house.

So 1624.16 per month
Plus CB of 262.77 = 1886.93 per month

Takeaway rent of £720 = 1166.93 per month

Takeaway fuel and travel of £328 = £838 per month

Plus Maintenance of £238 = £1076.93 per month X12 / 52 = £248 per week.

YOU DON'T GET THE CAP AMOUNT TO START OFF WITH!!!

They work out how much YOUR family will get paid, based on how many adults and how many dc (up to 4), then take the Child Benefit OUT of that figure. AND they deduct 1.5 times whatever they give you towards your housing costs OUT of your personal and dependants allowance.

THEN if you are working for a low wage, they have a thing with minimum and maximum earnings disregard levels based on (you guessed it) how much they are giving you towards your HOUSING COSTS.

Higher housing costs = LOWER UC.

Even taking the maintenance away, it's still nearly £200 per week.

THAT wouldn't have been Universal Credit, Porto. All the calculations are DIFFERENT to WTC/CTC/IS/JSA/ESA.

I am not talking about the Cap at all - the cap isn't relevant here. Why do you take CB out?

I used YOUR figures!

I've looked at the UC Policy Briefing notes:

"Income received due to additional costs or expenses the claimant has will be fully disregarded. Some income may be received due to the claimants? personal circumstances, such as caring responsibilities for children (for example, Child Benefit), or due to their being disabled (Disability Living Allowance, Constant Attendance Allowance, etc). It may also be received due to extra expenses claimants have already met, such as paying for work expenses or to attend court as a juror. Such income will be fully disregarded."

www.dwp.gov.uk/docs/ucpbn-9-income.pdf

So no need to deduct Child Benefit unless the £26k threshold has been reached. Could you show me where it says differently?

They DON'T allocate £26k per household then work backwards from there. That's NOT how UC will work. an allowance per single adult or couple, based on JSA rates - £67.50 for a single person per week - I just multiplied by 52 then divided by 12 to get a claendar monthly figure for it, as UC will be paid calendar monthly. I think the couple's personal allowance is round about £109 p/wk.

Dependants allowance is made up of JUST the child element of CTC - which is £2,555 pa. So you get that amount per child, but ONLY for the first 4 dc.

I never used the figure of 26k - I used the figures YOU gave so £19,440 UC
plus CB plus Maintenance - minus rent and bills.

yep and guess who only got 1 year DLA so i shall be a new claim

It's WHY so many of the people decrying the benefits cap are up in arms about Child Benefit needing to be excluded from the cap. Because it is taken out of WHATEVER the claimant gets paid on UC, like it USED to be many years ago (when we last had a Tory Government, incidentally) with Income Support. Until April 1999, Child Benefit WAS deducted from Income Support - and that is what this legislation is going back to.

The calculator I linked to earlier was more generous.

I agree that CB should not be subject to the cap - but IN THIS CASE it isn't! The cap IS NOT reached!

What I mean by that the Tories put into place that ChB would be deducted from IS, and Labour reversed that. Now the Tories are making it so that it will be deducted from UC. Clear? Because I know that the Tories weren't in power in 1999 - that was just when the deduction of ChB from IS was STOPPED by the Labour Government IYSWIM.

No-one has said they start with a figure of £26k and work backwards....

What I have said is that child benefit will continue to be paid as before unless the total income exceeds £26k and since, in your example, it doesn't, there is no need to deduct it.

What bradbourne said.

porto

im not aginst the cap in principle but they need to stop and look how people be affected how UC will affect people how ESA is afffecting people.How PIP is going to work

I suspect i shall be appealing come the time for ESA and PIP but in mean time will not qualify for JSA#

And under new rules care or disbaled can no longer beboth

In simple words. Whether the cap is reached OR NOT, Child Benefit will STILL be deducted from the UC payment.