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Learn with us. Improve with us. Influence with us | www.cih.org
Universal credit implementation
Sam Lister, Policy & Practice Officer, CIH
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Content
• Tenant payment
• Profiling
• Work incentives
• Winners and losers
• Conclusions
Learn with us. Improve with us. Influence with us | www.cih.org
Tenant payment
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LHA passport cases: payment
47.0%
56.3%
58.3%
65.2%
68.2%
66.5%
62.6%
65.8%
66.4%
62.6%
61.3%
0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0%
North East
North West
Yorkshire Humber
East Midlands
West Midlands
East of England
London
South East
South West
Wales
Scotland
Paid to landlord
Paid to claimant
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Profiling
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LA: Great Britain
0.0%
2.0%
4.0%
6.0%
8.0%
10.0%
12.0%
14.0%
16.0%
18.0%
20.0%
Single, no childdependant
Single with childdependant(s)
Couple, no childdependant
Couple with childdependant(s)
IS
JSA (IB)
ESA (IB)
Non-passport
Work 16+
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LA: Dudley
0.0%
2.0%
4.0%
6.0%
8.0%
10.0%
12.0%
14.0%
16.0%
18.0%
Single, no childdependant
Single with childdependant(s)
Couple, no childdependant
Couple with childdependant(s)
IS
JSA (IB)
ESA (IB)
Non-passport
Work 16+
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HA: Great Britain
0.0%
2.0%
4.0%
6.0%
8.0%
10.0%
12.0%
14.0%
16.0%
18.0%
20.0%
Single, no childdependant
Single with childdependant(s)
Couple, no childdependant
Couple with childdependant(s)
IS
JSA (IB)
ESA (IB)
Non-passport
Work 16+
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HA: Wyre Forest
0.0%
2.0%
4.0%
6.0%
8.0%
10.0%
12.0%
14.0%
16.0%
18.0%
20.0%
Single, no childdependant
Single with childdependant(s)
Couple, no childdependant
Couple with childdependant(s)
IS
JSA (IB)
ESA (IB)
Non-passport
Work 16+
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Work incentives
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Current benefits & tax credits
0
100
200
300
400
500
600
Net
pay,
ben
efi
ts a
nd
tax c
red
its
Weekly gross pay
Net pay Child benefit Jobseekeer's allowance Working tax credit Child tax credit Housing benefit Localised CTRS
Couple, two children, one earner, rent £75.00, council tax £23.00
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Universal credit
£0.00
£100.00
£200.00
£300.00
£400.00
£500.00
£600.00
Net
pay a
nd
ben
efi
ts
Weekly gross pay
Net pay Child benefit Universal credit Localised CTRS
Couple, two children, one earner, rent £75.00, council tax £23.00
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Current & UC compared
£0.00
£100.00
£200.00
£300.00
£400.00
£500.00
£600.00
Weekly
net
earn
ing
s &
ben
efi
ts (
ex C
TR
)
Gross weekly pay (£)
Earnings plusbasic benefits(excluding CTRS)HB/WTC/CTC
Earnings plusbasic benefits(excluding CTRS)UC
Couple, two children, one earner, rent £75.00, council tax £23.00
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Social sector rents
Rent £75.00 per week Gross weekly
income
Gross annual
income
Housing benefit £346 £17,992
Tax credits £623 £32,396
Universal credit £681 £35,412
Couple, two children, single earner 2013/14 tax and benefit rates.
Rent £75.00 per week (average social sector rent)
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Winners and losers
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Winners and losers
• 2.5 million gainers
• 1.4 million losers
• 2.5 million no change
• Bottom 60% of incomes gain on average
• Top 40% lose slightly
• Couples with children gain the most
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HB and UC allowances
HB UC
Single aged under 25 – on main phase ESA £72.40 £57.53 -£14.87
Single aged under 25 – other £57.35 £57.53 £0.18
Single aged 25+ £72.40 £72.62 £0.22
Lone parent aged 18+ but under 25 £72.40 £57.53 -£14.87
Lone parent aged 25+ £72.40 £72.62 £0.22
Couple at least one aged 18+ both under 25 £113.70 £90.30 -£23.40
Couple at least one aged 25+ £113.70 £113.99 £0.29
First child £63.28 £63.36 £0.08
Each other child £52.78 £52.89 £0.11
Disability premium single £31.85 £0.00 -£31.85
Disability premium couple (one/both qualifying) £45.40 £0.00 -£45.40
Disabled child + Enhanced disability (Higher rate) £83.58 £83.75 £0.17
Disabled child (Lower rate) £24.08 £28.81 £4.73
EDP adult single £15.55 £0.00 -£15.55
EDP adult couple (one/both qualifying) £22.35 £0.00 -£22.35
Work related activity component (LCW) £28.75 £28.81 £0.06
Support component (LCWRA) £35.75 £71.97 £36.22
Carer premium claimant or partner or each £34.20 £34.29 £0.09
Severe disability premium single rate £61.10 £0.00 -£61.10
Severe disability premium double rate £122.20 £0.00 -£122.20
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Conclusions
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Conclusions
• Don’t make assumptions its not all bad
• Work out your profiling
• Positive message for in work claims
• Winners and losers complex
‘standard’ families gain in work
Disability benefits - lose
Childcare lose
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