TBH I'm trying to work out how my family will be affected...and I'm not finding it that easy!
The social housing change will affect me, as I'm due to move due to overcrowding in the next year, thus will have to sign a new tenancy agreement. If I'm understanding it correctly, rent on a 4-bed HA at the moment is £600pcm, private 4-bed is £1,200pcm. So the rent on the HA 4-bed would rise to £960pcm. An increase of £360pcm.
. So how does that work with the benefits cap?
Does the cap affect my family as DP works, and by April next year, we will have 4dc. We get £150/week CTC for 3 dc atm, £80/week WTC, and (currently, in HA 3-bed) £56/week HB. that adds up to £286/week in 'benefits'. If you include my CB we get (currently) £46/week CB. Is this included in the cap? thats £332/week then. With an extra child, therefore more CB, more CTC and increased costs on housing due to forcibly being moved due to overcrowding (will be kicked out of HA property) and the increase in social rents for new tenants....
£180-ish CTC for 4dc. £80 WTC. £111 HB. £59 CB for 4 dc. Total benefits weekly £430. SO if DP's income dropped to £12K instead of £16K...we'd be getting more than £500/week benefits because we'd get more HB and more WTC if DP earnt £4k pa less. So I think we'll be ok-ish, but someone on £12K pa with 4 dc who is working will be royally screwed. DP had better not lose his job in June next year when they cut his team at work in half, as all else that's available is jobs for £12K and we'd be royally screwed on that.
So the government IS trying to stop the 'feckless unemployed' from living the 'life of riley' churning out dc when they aren't working, by this benefits cap, as if you have 2 dc and are on benefits you'll be ok, but have 3/4/more dc on the dole and you'll not be able to live in comfort, i.e. off your arse and in a job.
Problem is...by doing this, they have also made things worse for some of the very poorest workers in society, because anyone with 3 or more dc that earns less than £16K pa is fucked, really. Just as fucked as someone scratching their arse not bothering to work.
I am now counting myself as lucky that DP earns enough to get us through this, on £16K. Didn't think I'd ever say that.