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Universal Credit 16k+ savings transistional protection?
Comments
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Disagree. One of the things they made clear was that no-one would be worse off as a result of the switch to UC if their circumstances stay the same, and that TP wasn't time limited. You can't just ignore the wod "drop" because it doesn't suit you.MissMoneypenny wrote: »They key part there in your quote is "the level of work that is expected of them according to their claimant commitment; " When they claim UC, they will be told their 'level of work that is expected of them' in their UC claimant commitment. i.e. 35 hours per week at national minimum wage.
Therefore; if they are already below the work requirement (level of work that is expected of them) when they are moved onto UC and don't do anything to change that; then they only get 3 months transitional protection: because they have "a sustained (3 month) earnings drop beneath the level of work that is expected of them according to their claimant commitment; "
If they want to keep their transitional protection after those 3 months are up, then they have those 3 months maximum, to get up to their "level of work that is expected of them" in their UC claimant commitment, or they will lose their transitional protection. Although in reality, they have much longer than that "3 month": they have years (as claimants will be aware that these changes are coming in in the next few years).
Your quote doesn't say 'an earnings drop from what they were earning when they were moved onto UC'.
Makes sense when you think about it. If you were correct, then many claimants would continue to not work many hours/earn much money, just to keep their transitional protection benefits for years. Which would fly in the face of these welfare changes, which aim to get some people to do more to keep their families. i.e. the parents who at present, only work 24/30 hours a week between them and get the welfare state (other people) to make up their lost wages.0 -
As roll out of UC is hopelessly delayed, and may not ever be resolved properly (as it has been red flagged by Government audit), it's probably hypothetical as to what will happen next.
Lin
You can tell a lot about a woman by her hands..........for instance, if they are placed around your throat, she's probably slightly upset.0 -
Disagree. One of the things they made clear was that no-one would be worse off as a result of the switch to UC if their circumstances stay the same, and that TP wasn't time limited.
Yet it is clear that some TP is going to be time limited, as it has to be. Or else those able bodied doing as little work as they can just to maximise their benefits, will continue to do so; year after year.You can't just ignore the wod "drop" because it doesn't suit you.
You have taken the word "drop" out of context. It has to be read as part of the whole sentence. This is what you quoted about transitional protection and is what I commented on:-
"a sustained (3 month) earnings drop beneath the level of work that is expected of them according to their claimant commitment; "
The sentence is clearly talking about the (Universal Credit) claimant commitment, as that is what it states in that short sentence.
Perhaps you have read something else from the government that says exisiting claimants won't be made to have a UC claimant commitment (are told "the level of work that is expected of them") when they are transfered to UC?
If IceQueen is about, perhaps she could give her take on what the above quote is about?RENTING? Have you checked to see that your landlord has permission from their mortgage lender to rent the property? If not, you could be thrown out with very little notice.
Read the sticky on the House Buying, Renting & Selling board.0 -
If the implementation of tax credits had waited till the IT system was sorted, we'd still be on Family Credit now. Tax credits were supposed to be an online system as well you know. They could probably do UC now as a manual system, it's all the online/real time information that are the problem AIUI.As roll out of UC is hopelessly delayed, and may not ever be resolved properly (as it has been red flagged by Government audit), it's probably hypothetical as to what will happen next.
Lin0 -
Until their circumstances change.MissMoneypenny wrote: »Yet it is clear that some TP is going to be time limited, as it has to be. Or else those able bodied doing as little work as they can just to maximise their benefits, will continue to do so; year after year.0 -
Until their circumstances change.
Where does it say that those transferring to UC, will not have a claimant commitment?RENTING? Have you checked to see that your landlord has permission from their mortgage lender to rent the property? If not, you could be thrown out with very little notice.
Read the sticky on the House Buying, Renting & Selling board.0 -
This is incorrect for the self employed. They are free, always assuming the DWP agrees they are gainfully employed, to make as much or as little profit as they so desire.
For benefits calculation purposes they income will be the higher of their actual profit or deemed to be the amount of pay they would have received had they been working for the NMW for the required hours.
Yes, the self employed have their own rules under UC and will be expected to earn a living from their self employment, but the welfare state will help for the first year of their business. They will not be able to start a new business every year just to keep claiming extra benefits.RENTING? Have you checked to see that your landlord has permission from their mortgage lender to rent the property? If not, you could be thrown out with very little notice.
Read the sticky on the House Buying, Renting & Selling board.0 -
I'm trying to work out how you can manage to save on a combined gross income of just £15000 a year.
Then it dawned on me, my quick reckoning comes out that apart from any housing benefit or CTB you would be getting another £11,000 in additional benefits. This puts your combined income up to about £26,000. So effectively you are saving the benefits that are being paid to you AND you are hoping that you can continue to claim these benefits (under UC) to give you the same level of income AND not have the government take anything back due to having capital in excess of £16,000?
Is that fair?
My opinion is that if you can save out of your benefit income, you are receiving too much.
But, you said before that:
A) you had spent tens of thousands making home changes, whilst on benefits
you had so much to live on, via benefits, you couldn't believe it...
So, from those statements, it seems you must have had enough to save?
Were you and are you getting too much then?
Lin :think:You can tell a lot about a woman by her hands..........for instance, if they are placed around your throat, she's probably slightly upset.0 -
If the implementation of tax credits had waited till the IT system was sorted, we'd still be on Family Credit now. Tax credits were supposed to be an online system as well you know. They could probably do UC now as a manual system, it's all the online/real time information that are the problem AIUI.
They are doing some manual claims, but can only cope with single, healthy, childless claimants.
Francis Maude, the Cabinet Secretary, and in charge of projects like this, has red flagged up UC as something, due to rocketing cost and chaos, may be something that will never come to fruition, in it's current form.
Lin
You can tell a lot about a woman by her hands..........for instance, if they are placed around your throat, she's probably slightly upset.0 -
cattermole wrote: »As already pointed out they will need to work more hours to qualify for WTC with UC.
Even with an income of £26,000 and saving 16,000, that leaves 10,000 to live on, I find it a bit hard to believe to be honest with two young children to support!!. But if they can do that then good luck to them!!
[STRIKE]Did I miss that they saved it all in a year?[/STRIKE] already answered0
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