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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

Universal credit implementation Support/WM resources/WM Sa… · Universal credit £0.00 £100.00 £200.00 £300.00 £400.00 £500.00 £600.00 s Weekly gross pay Net pay Child benefit

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Page 1: Universal credit implementation Support/WM resources/WM Sa… · Universal credit £0.00 £100.00 £200.00 £300.00 £400.00 £500.00 £600.00 s Weekly gross pay Net pay Child benefit

Learn with us. Improve with us. Influence with us | www.cih.org

Universal credit implementation

Sam Lister, Policy & Practice Officer, CIH

Page 2: Universal credit implementation Support/WM resources/WM Sa… · Universal credit £0.00 £100.00 £200.00 £300.00 £400.00 £500.00 £600.00 s Weekly gross pay Net pay Child benefit

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Content

• Tenant payment

• Profiling

• Work incentives

• Winners and losers

• Conclusions

Page 3: Universal credit implementation Support/WM resources/WM Sa… · Universal credit £0.00 £100.00 £200.00 £300.00 £400.00 £500.00 £600.00 s Weekly gross pay Net pay Child benefit

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Tenant payment

Page 4: Universal credit implementation Support/WM resources/WM Sa… · Universal credit £0.00 £100.00 £200.00 £300.00 £400.00 £500.00 £600.00 s Weekly gross pay Net pay Child benefit

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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+

Page 8: Universal credit implementation Support/WM resources/WM Sa… · Universal credit £0.00 £100.00 £200.00 £300.00 £400.00 £500.00 £600.00 s Weekly gross pay Net pay Child benefit

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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+

Page 10: Universal credit implementation Support/WM resources/WM Sa… · Universal credit £0.00 £100.00 £200.00 £300.00 £400.00 £500.00 £600.00 s Weekly gross pay Net pay Child benefit

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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

Page 19: Universal credit implementation Support/WM resources/WM Sa… · Universal credit £0.00 £100.00 £200.00 £300.00 £400.00 £500.00 £600.00 s Weekly gross pay Net pay Child benefit

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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