Meet the Other Phone. A phone that grows with your child.

Meet the Other Phone.
A phone that grows with your child.

Buy now

Please or to access all these features

Money matters

Find financial and money-saving discussions including debt and pension chat on our Money forum. If you're looking for ways to make your money to go further, sign up to our Moneysaver emails here.

Uc not going back to work

213 replies

ash646668 · 25/09/2024 15:24

I was lead to believe in my first meeting for universal credit that I wouldn't be expected to get a job untill my baby went to school at 4. I've now found out they expect you to go back to work at 3. My baby is only 6 months at the moment but I'm thinking ahead. I don't have any family who can look after her and my partner works full time. I am really against her going to nursery and even if I did send her I can't imagine I could get a job with limited availability as a carer. They are typically 12 hour shifts including weekend. Has anyone else experienced not working after baby turns 3 and waiting until they are ready for school. And what happened with universal credit.

OP posts:
Namebechanged · 26/09/2024 00:26

specialsen · 25/09/2024 23:54

I would love to have years being a sahm but unfortunately I ended up going back to work when dc was 6 months and I had to pay a huge chunk of my wage to childcare - because I did not expect others to fund me not working.

If your oh earns then he can share his wage with you. If it's not enough you'll have to go and do some work in the 6 or so hours dc is at nursery.

So, reading this - you didn't go back to work and pay a huge chunk of money for childcare because you didn't expect others to fund you - you did it because you had no choice

SaveMeFromMyBoobs · 26/09/2024 00:31

Of course you're expected to work. That's why there is 30 hours funded childcare places available, plus can claim back more as on UC. There are preschools for 3yo that are term time only and school hours. Find a good one of them and get the same job you were planning on getting a year later.

crumblingschools · 26/09/2024 00:53

This is why there are so few net contributors in this country

Nastyaa · 26/09/2024 01:07

On the old style benefits you weren't expected to go back to work until your child was 5, I was on income support & they left me well alone.
My friend on the other hand was on UC & they were calling her every 2 weeks about going back to work (our kids were/are the same age)
She kept getting sick notes from the doctor saying she had depression which she then gave her her work coach.

I personally think 3 is too young.

I don't see how UC can encourage you to go back to work when your partner works full time?

Namebechanged · 26/09/2024 01:22

Username197 · 25/09/2024 22:34

It is a choice to have a baby. You should fund it or work, not also then choose a luxury of years on years off work funded by the state!

No, I don’t use the NHS but by benefit I mean financial payments not use of public services that tax contributes towards.

Overall, childless people will never benefit the same. Add up pregnancy/maternity healthcare, maternity pay, child benefit, additional benefits, childcare hours, education, healthcare, prescriptions, etc and you’ll find a significant discrepancy between the “benefits” of a 40 year old with no children and a 40 year old with children. Then the entitlement to have an additional 3 years off work funded is a JOKE!

A SAHP gets money from the government.

A parent working and claiming for childcare costs is also receiving money from the government.

The difference is who is looking after the children - and tbh given how expensive childcare is, and how alot of women working part-time while juggling childcare are in lower-earning jobs (thereby paying reduced tax) I'd wager SAHMs don't cost as much as you think

AngelicKaty · 26/09/2024 01:38

RubyRooRed · 25/09/2024 22:48

I’m sitting here thinking the same ?
So your partner is working , earns over a certain amount and you still get universal credit ? Which is enough to fund you to be a sahm ?
Thats wrong
Where is the incentive to work ?
Why do you get universal credit ?
Either your partner earns enough to support you all surely or you get a job too ?

40% of people in receipt of UC are also working.

talatala · 26/09/2024 01:49

These kind of threads are what honestly make me want to never look at MN again.

How so called intelligent people cannot see through the constant goady benefit-bashing agendas, it's just ridiculous.

AngelicKaty · 26/09/2024 01:51

The UC rules for people who are the main carer for their children are as follows:

Child is under 1
If your child is under 1 year old, you will be placed in the ‘no work-related requirements’ group. You won’t be expected to do any activities through the jobcentre and you won’t have a work coach. You won’t be expected to look for work.

Child is aged 1
If your child is aged 1, you will be placed in the ‘work-focused interviews’ group. You won’t be expected to look for work. However, you might be asked to have interviews with a work coach about the kind of work you would like to do in the future.

Child is aged 2
If your child is aged 2, you will be placed in the ‘work preparation’ group. You won’t be expected to look for work but you might be expected to take part in activities to improve your chances of getting a job in the future.

Child is aged 3 - 12
If your child is aged between 3 and 12, you will be placed in the ‘all work-related requirements’ group. You will be expected to look for work and to be available to take up a job if one is offered to you. You won’t be expected to take a job that would mean working more than 30 hours per week and you won’t need to spend more than 30 hours per week looking for work.

As pps have pointed out, you can get 30 hours per week of free childcare for children aged 3 - 4 years old and this will enable you to return to work and meet your UC claimant commitment. You don't say what work you did previously, but you may be able to find work you can do from home.

AngelicKaty · 26/09/2024 01:55

talatala · 26/09/2024 01:49

These kind of threads are what honestly make me want to never look at MN again.

How so called intelligent people cannot see through the constant goady benefit-bashing agendas, it's just ridiculous.

The trouble is most people are absolutely clueless about how the welfare benefit system works and how complex it is - and they're not really interested in finding out because they're lazy and it's so much easier to believe what all the right-wing media write about "benefit scroungers".

AngelicKaty · 26/09/2024 02:23

ThisOldThang · 25/09/2024 22:43

Agreed.

The AET for a couple works out at only 29 hours per week on minimum wage.

Why is the taxpayer expected to support families that work so little?

The entitled.to website estimates that a family would get £1397 a month in UC based upon rent of £1000 per month.

That would give a total of £2765 p/m after tax and NI.

That's equivalent to earning £40k for 29 hours a week.

Edited

Your figures don't make sense to me at all. How do you get from a figure of £1,397pm UC entitlement (based upon rent of £1,000pm) to a total net income of £2,765pm? And how does this equate to £40k pa for a 29hr week?

Namebechanged · 26/09/2024 03:17

IsThisAVespa · 25/09/2024 23:36

But... you don't have to have "the misery of struggling". You could out your child in nursery and get a job. It's less fun than being at home with your child, admittedly, but you're being disingenuous to suggest that your only options are to struggle on your partner's salary or to claim UC.
I honestly believed that benefits were only available to people who were really struggling - lone parents, people with chronic illnesses etc - and have always been vocal that people who are able to work should help to support people who are unable to. I'm genuinely flabbergasted - naively I guess - that there are people with small children who just decide not to work, and believe that other mums should be obliged to facilitate that by giving up their time with their children.

All mums have a right to stay at home with their children until they're 3 (used to be 5!).

No one believes other mums are obliged to facilitate it - it's simply a choice. Everyone is entitled to the same benefits system, so there's no reason to be jealous.

You can choose to stay at home with your child but the money received will be minimal, or you can choose to return to work earlier for career reasons.

What I will say is this - a LOT of people are unaware of the benefits they could be entitled to, and it's always best to contact your local citizen's advice (or equivalent) if / when your circumstances change.

Phen0menon · 26/09/2024 04:08

The cut off is at 3 years old because children get universal preschool funding at 3 so most are in preschool up to 30 hours a week at this age.

I would not rely on the couples AET remaining where it is. The recent changes to the childcare funding available to parents made it quite likely it will go/move.

I would assume its best to plan to work at least part time when your child is 3.

If you want to choose to be at home until your child starts school, thats a luxury, you and your husband need to fund that yourselves not expect the state to fund that. Most mothers work from when their child is around 1 & up, at least part time.

IVFmumoftwo · 26/09/2024 05:54

Justwantosay · 25/09/2024 23:57

Similar situation. I'm recently out of work. My DH earns £32k and according to benefit calculators I could get over £400 per month in UC if I decide to claim.
*disclaimer - I do care for a child with disabilities so that figure includes additional elements.

So why not claim it and ease the financial situation?

IVFmumoftwo · 26/09/2024 05:57

Blankscreen · 25/09/2024 23:34

I think it's the fact that there is no incentive to work for 3 years when most people have a years' maternity leave at most.

This smacks of pure jealousy. In fact the whole thread does!

IVFmumoftwo · 26/09/2024 06:07

RubyRooRed · 25/09/2024 23:39

You don’t need after school care if you go out to work evenings or weekends or your partners day off ?

I work weekends. I need after school childcare to work later shifts at my work during the week as my husband works a distance away and wouldn't be able to get back in time for the school run. We have no family nearby. So yes I will claim what we are entitled to help bridge the gap of not being able to work more right now.

IVFmumoftwo · 26/09/2024 06:10

SouthLondonMum22 · 25/09/2024 23:50

Haven’t they changed this now? I thought they had. If not, it is something that definitely needs doing.

Well it was simple enough to upload invoices but just reading people saying it hasn't been included in their statement is making me 😳. You can only get help with the costs from the flexible fund jobcentre if it is a new job/more hours. Although that depends if you can find a nursery with space!

Zanatdy · 26/09/2024 06:12

Blankscreen · 25/09/2024 21:34

I don't understand this.

So your husband earns an amount which means you need to claim UC but you're not obliged to get a job.

Surely that is peverse logic. If you don't earn enough as. Couple to survive without claiming then surely you must need to get a job?

well no as UC will top up the income. My friend stayed at home for years like this. Given there’s a lot of funded childcare now maybe this needs to be looked at. But as it stands, it exists so of course people will choose to stay at home for a few years if the government will give some UC. I doubt its the same as a second salary though, so people will need to tighten their belt like everyone needs to do so when on one income. As the OP’s partners income is low, they are entitled to UC.

Zanatdy · 26/09/2024 06:15

IVFmumoftwo · 26/09/2024 05:57

This smacks of pure jealousy. In fact the whole thread does!

I’d say resentment over jealousy, i doubt anyone is jealous of a low income household. I guess anger at the Government too for some of their benefit rules. The cost of childcare and fact OP was in a low income job means work wouldn’t pay for her right now. She cant even work evenings or weekends as her OP is a shift worker. If the benefit is available, then of course people will claim it, and OP has been, and will be a tax payer again.

IVFmumoftwo · 26/09/2024 06:28

Zanatdy · 26/09/2024 06:15

I’d say resentment over jealousy, i doubt anyone is jealous of a low income household. I guess anger at the Government too for some of their benefit rules. The cost of childcare and fact OP was in a low income job means work wouldn’t pay for her right now. She cant even work evenings or weekends as her OP is a shift worker. If the benefit is available, then of course people will claim it, and OP has been, and will be a tax payer again.

I definitely agree on the shifts comment. It makes sense to become a SAHM and indeed it is often cited on here as a reason to become a SAHM due to shifts. I don't see OP cheating the system. If it works for your family to do that then I don't see why not?

femfemlicious · 26/09/2024 06:33

ash646668 · 25/09/2024 21:24

Apparently yes. I am sitting there with the taxman waiting to get my whole £40 a month.

Why are you asking about it like it would be a huge problem if its only £40 a month. You sound like losing it would make it be impossible to stay home?

Namebechanged · 26/09/2024 06:36

femfemlicious · 26/09/2024 06:33

Why are you asking about it like it would be a huge problem if its only £40 a month. You sound like losing it would make it be impossible to stay home?

You're clearly not form a poor background are you?

femfemlicious · 26/09/2024 06:37

Username197 · 25/09/2024 22:34

It is a choice to have a baby. You should fund it or work, not also then choose a luxury of years on years off work funded by the state!

No, I don’t use the NHS but by benefit I mean financial payments not use of public services that tax contributes towards.

Overall, childless people will never benefit the same. Add up pregnancy/maternity healthcare, maternity pay, child benefit, additional benefits, childcare hours, education, healthcare, prescriptions, etc and you’ll find a significant discrepancy between the “benefits” of a 40 year old with no children and a 40 year old with children. Then the entitlement to have an additional 3 years off work funded is a JOKE!

If people don't have children the human race would go extinct.

IVFmumoftwo · 26/09/2024 06:46

femfemlicious · 26/09/2024 06:33

Why are you asking about it like it would be a huge problem if its only £40 a month. You sound like losing it would make it be impossible to stay home?

That can be a weekly shop!

Brainded · 26/09/2024 06:49

@ash646668 why are you so against nursery?! But yet accepting of school…why not homeschool!? I don’t get your logic…but wait yes, I get it now, you don’t want to PAY for nursery, but school is fine as that free. 🙄

Namebechanged · 26/09/2024 06:55

@IVFmumoftwo Adding you to my list of mumsnetters I like. But I think @Zanatdy is right, it's resentment, not jealousy.

The mums who are working above UC threshold are asking "Why are you stressed about £40?"

The mums who are not working or/and working but below the UC threshold are very aware of the value of £40.

It's a trade off

Swipe left for the next trending thread