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

Oh yes, THC. Either you can care for your disabled child and have YOUR disability 'magicked away' by the DWP OR YOU can be disabled and have your child's disability 'magicked away' by the DWP.

Where do I line up for THAT one?

The child benefit thing - it was that way in the past, the Tories just want it to go BACK to that. How they had it before. It WILL be deducted from whatever UC you get. As soon as you are earning enough to qualify for NO UC - you will be able to keep your child benefit.

OH - one thing I forgot to add to the calculation explanation - about help with childcare. THAT will ALSO be included in the cap.

Do you think I could line up 3 times, and get rid of ALL of our disabilities? That would be nice. Maybe I can write a polite letter to the head of the DWP and ask very nicely? And explain that if they do that, I can go back to work with no barriers to getting and keeping a job? DO you think that'll work?

(I am beginning to wonder if jobcentres have been nicking water from the fountain at Lourdes or something)

But I think you are misunderstanding, HC. Perhaps the policy will change at a future date - but that isn't what is being proposed at the moment as far as I can see and you have yet to produce any evidence to prove otherwise.

"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)..... Such income will be fully disregarded".

You're in serious danger of starting to sound as if you somehow actually want the "evil tories" to put everyone in a workhouse just so you can enjoy the satisfaction of moaning about how wicked they are...

Hunty - WHERE does it say that CB will be taken from UC?- because everywhere I look says that it is not included.

"You may get extra UC:

if you are sick or have a disability. You will get one of two components which will be similar to the support and work related components for ESA. You will get either the higher addition (support component equivalent) worth £32.35 per week (the Government intends to increase this amount in stages until it is eventually worth £77.00 per week) or a lower addition (work-related activity component equivalent) worth £26.75 per week.

if you are providing care for at least 35 hours per week for a severely disabled person (carers element). If you have a disability but are also caring for someone who is disabled you will not be allowed to get both the disability and carer additions. You will only be allowed to receive one addition. If you have a partner and you have a disability he or she can get a carer addition/element for looking after you and you could get a disability addition (and vice versa if your partner has a disability and you are providing care).

if you have children. You will get additions if you have a severely disabled child who is on disability living allowance. These will be paid at two rates, a lower rate of around £26.75 and an upper rate of £77 per week. This additional support will also be paid if you have a child who is severely visually impaired. If you or your partner are in work you will be able to get support for the costs of childcare regardless of the number of hours you work. You will be able to recover childcare costs of 70% of up to £760 for one child or £1300 for two or more children per month.

to cover housing costs such as rent or mortgage interest plus other allowed costs. Support for mortgage interest payments will be time limited to two years, with the exception of help for disabled people. You will not be given support for mortgage interest payments once you start work [source Lords Hansard 13 Oct 2011 : Column GC532]

Your total UC will be limited to £500 a week if you are a lone-parent or part of a couple or £350 per week if you are single. This benefits cap does not apply if you are in a household where:

someone is claiming working tax credits
you, your partner or child are getting disability living allowance
you or your partner are getting a personal independence payment (PIP)
someone is a war widow/widower "

NO. I have read reports that state this. I will source them tonight. You are getting that from the disability awareness site - which was posted before the policy briefing notes were made public. It was also before any of these other things had been decided on.

The replacement for DLA (PIP) they are STILL undecided as to whether it will be included in the cap or not. But when you bear in mind that ESA IS included in the cap, and ESA is ONLY paid to those with a limited or NO capacity for work, it stands to reason that DLA, which is an in-work AND out-of work benefit paid on CARE NEEDS, will be included too.

Working Tax Credits are being absorbed into UC and when they are, will no longer offer that protection. You only get the protection from DLA if you or the person you are caring for gets HIGH RATE CARE. The only difference between MIDDLE RATE CARE and HIGH RATE CARE is that there aren't care needs between 11pm and 6am. So LOTS of people on DLA won't be protected.

PIP HASN'T been decided on yet. Check the actual government debates.

Yes, War Widows/Widowers are exempt from the cap.

I do appreciate the major worry faced by those caught in the "too sick to work/not sick enough to be disabled" trap. To me, we would be better focusing on that rather than getting hysterical about UC - which as far as I can tell seems to be a vast improvement for most familes.

I'm off, will be back tonight.

The website was updated on Monday HC.

Thing is, Porto, it ISN'T feckless fathers that won't work that will be hurt by the UC cap. As THC has pointed out - they can leave, have a dc with a new partner, pay pennies in maintenance and STILL avoid any problems with the cap.

It will be the single mums, left looking after the dc, and needing a larger house to do so, who will be hit. Whether they are in work or not.

OK, Porto - will have another look, I last loked on Friday when I was doing some calculations. I'm sure there are still more updates to go on there, mind you, as the WRB hasn't been PASSED yet though.

f you are providing care for at least 35 hours per week for a severely disabled person (carers element). If you have a disability but are also caring for someone who is disabled you will not be allowed to get both the disability and carer additions. You will only be allowed to receive one addition

I'm already in the unenviable position of being deemed unfit for work/JSA yet not unfit enough for ESA - despite the fact I have been awarded DLA for a 2 year period?

It does happen.

im wondering who they are going to cure me or ds3

foof im going be screwed i was only awarded one year

No, I've read the policy briefing notes and I cannot see where you are getting your information from. (They are very detailed granted, so it's possible I have overlooked something).

As for the benefit cap and PIP: :

" Households which include a member who is in receipt of Working Tax Credit (WTC) will be excluded from the cap..... In addition, to the exemption for those in work, all households which include a member, including a child, receiving Disability Living Allowance or Constant Attendance Allowance will be exempt from this measure. This is in recognition of the extra costs disability can bring. This exemption will also be extended to households which include a member who is in receipt of Personal Independence Payment which will replace Disability Living". From dwp

I think you misunderstood the 1.5 x housing cost thing - it seems that this applies when you are WORKING:

Universal Credit will include an element for housing costs to help meet the cost of rent or mortgage interest. Therefore claimants in receipt of large amounts of housing support will have a higher award of Universal Credit than those with low or no housing costs.
e)
In order to address this and target resources fairly, we intend to allow those claimants who receive little or no support with their housing costs to keep more of their earnings. We intend to do this by setting higher earnings disregards in these circumstances.
How will the reduction for housing support work?
f)
There will be maximum and minimum disregards within Universal Credit. The maximum earnings disregard will only apply where there are no additions for housing costs included in the Universal Credit gross award.
g)
If the claimant is receiving some support for housing costs, the value of this support reduces the maximum level of their earnings disregard by, on current assumptions, 1½ times the amount of the housing element.
h)
A household receiving some support for housing costs will be entitled to an earnings disregard equal to the value of the larger of their reduced earnings disregard and the minimum disregard.

oh and for those that doubted about free school dinners being ncluded in uc

ome benefits are still subject to further discussion as to how they will interact with universal credit. These are:

carers allowance
passported benefits (such as free school meals and health benefits)
other elements of the social fund

brad

but people are changing to PIP which is going to be tougher .Wheelchair users may no longer qualify for PIP .Not that we are going to be any less disabled

And just to anmke it even harder, just had a call from council that they can't find anyone willing to work with ds1 or ds3 (bemused about ds3 as he is a sweetie) and so they can no longer attend playscheme- only repsite we get

That's a bugger, Peachy

My point was that HuntyCat was stating (without any evidence that I could see) that PIP claimants would be subject to the benefit cap. This is not what is currently being proposed. I think this is tantamount to scaremongering - simply making apparently unsubstantiated claims about what the government may (or may not) be planning to do. Isn't it better just to stick to the facts as we know them?

And another one for HuntyCat:
"One-off benefits (for example Social Fund Loans) and non-cash benefits (for example Free School Meals) will not be included in the assessment of benefit income." www.dwp.gov.uk/docs/eia-benefit-cap-wr2011.pdf

Really sorry to hear that, Peachy.

I think there is a lot of misinformation on these threads - and speculation presented as fact - which much scare the hell out of some people. Human, I hope I have demonstrated that it should not be THAT bad - based on the figures you gave. I don't know what DLA will add to this.....