£480 wk ben cap not enough for families in London to live on.

ukcarper

Killmark wrote: »

If they have lots of kids then they will either have child care costs or have one parent staying at home.

At £35k gross they wouldn't be getting much CTC at all unless they claimed some of the child care costs, in which case the partner would be working and their income would reduce the CTC they get for childcare costs making a salary sacrifice and childcare vouchers more likely option.

Housing benefit on £35k gross, not a chance.

according to turn2us benefit calculator someone on £35k with 6 kids would get £169 ctc and £87 child benefit.

drwho2011

ukcarper wrote: »

according to turn2us benefit calculator someone on £35k with 6 kids would get £169 ctc and £87 child benefit.

I would suspect they are in a minority?

Why not do the calculation based on 15................oh or you could try doing it based on 2 children as the national average is about 1.7 per family.

ukcarper

drwho2011 wrote: »

I would suspect they are in a minority?

Why not do the calculation based on 15................oh or you could try doing it based on 2 children as the national average is about 1.7 per family.

I thought we were talking about benefit cap and in most of the country some with 2 children would not get £480 a week. I'm not saying its right or wrong just giving the figures.

gailey_2

ukcarper wrote: »

according to turn2us benefit calculator someone on £35k with 6 kids would get £169 ctc and £87 child benefit.

seems wrong.

we have gross 38k

3kids
80 pound 1st child 50 for other 2
child tax credits whopping £10 a week so £40 a month!

ukcarper

This is what it says for £38k 3 kids CTC £10.43 Child benefit £47.10

pqrdef

drwho2011 wrote: »

I would suspect they are in a minority?

The people affected by the benefit cap are a tiny minority.

I'm suggesting that, for the households who make up that tiny minority, if Dad got a job, he wouldn't need to earn £35K to take home £26K. On the contrary, he could earn minimum wage and his total net income would be higher than the benefit cap.

So that's where the benefit cap is really pitched. For the families it will apply to, it's pitched below the poverty line. This is why the peers have taken exception to it.

drwho2011

pqrdef wrote: »

The people affected by the benefit cap are a tiny minority.

I'm suggesting that, for the households who make up that tiny minority, if Dad got a job, he wouldn't need to earn £35K to take home £26K. On the contrary, he could earn minimum wage and his total net income would be higher than the benefit cap.

Your comparing apples and oranges.

It would be ridiculous to say that households in work shouldn't have benefits that take their net income above £26,000

i.e Couple on £26,000 with 1 child claiming nothing but child benefit, your saying they shouldn't get child benefit?

drwho2011

pqrdef wrote: »

So that's where the benefit cap is really pitched. For the families it will apply to, it's pitched below the poverty line. This is why the peers have taken exception to it.

The definition of "poverty" is subjective. You want to talk about poverty the visit places like India or the Philippines.

If you can't survive on £26,000 net in benefits you'd never survive in the work place.

If your effected by the cap then move to somewhere your cost of housing is cheaper like the north of england and the problem is sorted.

drwho2011

ukcarper wrote: »

This is what it says for £38k 3 kids CTC £10.43 Child benefit £47.10

So £2,992 received in a year.

Total deductions from salary £9,797.64 + Employers NI £4,268.06

dunstonh

I had someone tell me recently that they dont earn much more by working so they do as little as possible to keep the benefits. If they worked full time, they would lose benefits and only be a little better off despite working double their current hours. They preferred to work less and get paid only a little less.

That is the type of person that needs to get their benefits reduced. They can work, they can earn more (albeit not much more) than benefits but they choose to be part time and live on benefits instead. Lazy good for nothing scrounger.