One in six PIP claimants have no extra costs linked to their disability

[Allseeingallknowing]

https://www.thesun.co.uk/money/40693771/pip-claimants-disability-benefit/
So, can money be saved here?

You don’t need to predict the actual mechanism or specific risk event to be able to make your consideration.

For example bigger picture: it’s known that approximately 12% of children in the uk are disabled (more if you consider those not classified). So you know you’ve a roughly 1 in 8 chance of your child being disabled (without knowing the exact form or cause) as a baseline condition.

You can clearly modify this liklihood up or down due to known risk factors. Eg parents carry genetically inherited conditions, parents are older, so on and so forth.

It’s no different to the sums insurance companies do when deciding if to provide insurance and if so, how much to charge.

they don’t know to be able to predict the specific event, just understand holistic probabilities.

so people don’t need money to live on? What am I missing?

Rabbit hole people have latched onto rather than focusing on broader concept. I guess it’s an example of Parkinson’s Law of Triviality in practice.

My parents were in their 20s when my brother and I were born. Both of us have disabilities. I have a rare birth defect which in my case likely caused my childhood epilepsy and my autism. My mum's pregnancy with me was normal. It's likely that I have a random mutation which has caused some serious eye conditions. Again how do you prepare for that?

My rare birth defect is usually picked up scans during pregnancy but no one can tell you the prognosis

I love your arrogance to be able to state what privilege I have or haven’t had given you know nothing of my personal circumstances.

I agree fallback safety net needs to be there, and better than what it is at present.

Issue is many don’t treat it as a fall back safety net and rather a normal go to. See previous examples re cost of living, redundancy, being skint and wondering why (when have 5+ kids…!).

so how would you get it if forced to give up your job to care? If you had no partner to support you, were caring for your elderly/disabled parent/child and had no family to support you?

Would the Carer’s Allowance be in vouchers as well?

So what you’ve articulated is what I’m advocating for. Self responsibility. Well done.

That must have been so tough. We dealt with disability right from the start, so we don’t know any different. It must be so much harder to be thrown into it and having your entire life turned upside down. 💐

It isn’t an obsession to explain why something won’t work. If you or any other poster take exception to the example of taxis and petrol money, you are free to replace the example with any number of other examples of disability related expenses.

Not if you are on UC because it just gets taken straight back off you.

Various scenarios including savings (your own inc those of the individual you’re caring for, particularly if they’re older), rest or family chipping in, etc etc. That’s what we did as a family to care for MIL’s DM when they came to needing care towards the end of their days (and moved in with MIL who thus needed support - financial + logistics etc. - from the wider family).

Yes, for it to be fair...
BTW I don't agree with vouchers at all. Give people agency over their money, regardless of where it came from.

Nope. What I’m advocating for is, those who are able should do what they can, so that those who are not able (for whatever reason) can be provided for.

It's definitely tough. I've had to almost mourn my old life whilst also learning how to live my new life at the same time but my son is also amazing and I feel incredibly fortunate that modern medicine was able to save his life.

Absolutely. Vouchers just add to the impression that society thinks disabled people are by definition stupid as well.

I know a lot of adults with pip (as in directly work with them) and most spend it on toys, food, ebay, day trips. I can’t afford this stuff even while working. But I think to myself that I wouldn’t want to be disabled, and they don’t get the pleasures in life that others get.

Nail on head. Me too. Problem is many that are able to don’t. That’s what I’m against.

Arrogance is assuming your life choices have been available to everyone. That’s privilege.

There is absolutely no evidence that anyone chooses to live on benefits as a lifestyle choice, and that is certainly not someone who is a carer or a disabled person has done. Nobody chooses that.

15% of households have 3 or more children. It is estimated the majority of those families have only 3 children. According to data, nearly 80% of families with 5 or more children and in households which do not claim state benefits. These mythical benefits scroungers are not the reason the benefits bill is rising.

My savings were wiped out during my son's 10 month hospital stay
My work then sacked me because of all the time off I had to take
I have no family other than a disabled mother who is unable to drive and she simply can't 'chip in'.

The 'various scenarios' aren't always possible.

There is absolutely no evidence to support that claim. And according to your previous posts, the people who you feel are able to but won’t are those who haven’t predicted their children will be disabled and made sure they have an abundance of family around them to step in to support them.

i think you need to review the definition of both arrogance and privilege as neither are how you’ve used them.

Don’t misquote me please. Family not the only option. They can of course choose other means such as ensuring they’ve the financial means and / or insurances (dependent on the risk) in lieu of family.

There are lots of “silver linings” to both our situations. (We can say that but others can’t. 😉) We see things and learn things we’d otherwise have missed. But it’s a very tough road. Tougher still when it transpires we shouldn’t expect any help or support from the government because we should have planned for all of this.

Understood. Re. Your sacking, I’d follow it up with your prev employer (if still within timeframes) as it could be considered indirect discrimination if your son was considered disabled at the time.