Review of non dependant deductions on Housing and Council Tax Benefit

 

 

 

 

 

In my opinion non dependant deductionson housing benefit  forces families to look for ways of beating the benefit system.

Non dependants who manage to find a job suddenly move out of the family home the same day they start working.  They say they are moving to a family or friends home who is not claiming housing benefit, more than likely they do not actually move out.

Rather than raise the non dependant deductions rates I think that they should be lowered so that they do not encourage people to go to the lengths to say they have moved address.   I believe that  this a common occurrence  and  a change needs to be made to the rules so that no one needs to lie about where they are living.

For the current rates of non dependant deductions (Click here)

Why is this idea important?

 

 

 

 

 

In my opinion non dependant deductionson housing benefit  forces families to look for ways of beating the benefit system.

Non dependants who manage to find a job suddenly move out of the family home the same day they start working.  They say they are moving to a family or friends home who is not claiming housing benefit, more than likely they do not actually move out.

Rather than raise the non dependant deductions rates I think that they should be lowered so that they do not encourage people to go to the lengths to say they have moved address.   I believe that  this a common occurrence  and  a change needs to be made to the rules so that no one needs to lie about where they are living.

For the current rates of non dependant deductions (Click here)

Immediate Clean Slate for all Non-Fraudulent Tax Credit Overpayments

Write off all non-fraudulent tax credit overpayments whilst continuing to recover those resulting from claimant fraud.  This will save innocent, hardworking families from the distress and hardship caused by system-created errors, and will save the millions of pounds currently being wasted on forcing families who spent their awards in good faith to somehow find money they do not have.  Compassion and sound economics all in one!

Why is this idea important?

Write off all non-fraudulent tax credit overpayments whilst continuing to recover those resulting from claimant fraud.  This will save innocent, hardworking families from the distress and hardship caused by system-created errors, and will save the millions of pounds currently being wasted on forcing families who spent their awards in good faith to somehow find money they do not have.  Compassion and sound economics all in one!

Calculate benefits and tax credits per individual, not per couple

Calculate jobseekers allowance and working tax credits on adults' individual NI contributions and work history – not on what their partner earns.

Why is this idea important?

Calculate jobseekers allowance and working tax credits on adults' individual NI contributions and work history – not on what their partner earns.

Big Society Contributions – How to do it?

One way of getting people to be involved in the Big Society is to offer tax credits for specific, targeted voluntary or community work or work that enhances the overall look and feel of the place.

Each local authority could create a website with a list of work that needs to be done, where and when to meet and what any particular type of work entails.  On the website you can register for any particular type of work using your national insurance number.

The work would need to be organised into group details with someone to oversee from the local authority to ensure best practice and quality standards.

This could be anything from picking up litter in a designated area, to scrubbing off graffiti, painting a fence or helping out at community centre.  In short anything that requires labour and contributes something positive to our surrounding community.

Each number of certified hours 'worked' by a volunteer is graded and logged (grading is necessary to ensure quality of work) and at the end of each year the number of hours worked is added up giving a tax credit to that individual.

The credit should be big enough to entice people in but not so big that people try to abuse the system although that will probably always happen.

Why is this idea important?

One way of getting people to be involved in the Big Society is to offer tax credits for specific, targeted voluntary or community work or work that enhances the overall look and feel of the place.

Each local authority could create a website with a list of work that needs to be done, where and when to meet and what any particular type of work entails.  On the website you can register for any particular type of work using your national insurance number.

The work would need to be organised into group details with someone to oversee from the local authority to ensure best practice and quality standards.

This could be anything from picking up litter in a designated area, to scrubbing off graffiti, painting a fence or helping out at community centre.  In short anything that requires labour and contributes something positive to our surrounding community.

Each number of certified hours 'worked' by a volunteer is graded and logged (grading is necessary to ensure quality of work) and at the end of each year the number of hours worked is added up giving a tax credit to that individual.

The credit should be big enough to entice people in but not so big that people try to abuse the system although that will probably always happen.

Stop paying child tax credits for children who do not live in this country.

I suggest the Government immediately stop paying child tax credits for children who do not live in this country.

If a person comes to the UK from another country and they claim they have e.g. 10 children who still live in his home country then the Government pays out tax credits for each of the 10 children. Even though they are not and have never been in this country. They may not even exist, how can we check?? 

we cannot afford to pay for children who are in this country so we should not be paying for children who do not live here. They are not our responsibility.

This is not xenophobia but simple basic economics.

Why is this idea important?

I suggest the Government immediately stop paying child tax credits for children who do not live in this country.

If a person comes to the UK from another country and they claim they have e.g. 10 children who still live in his home country then the Government pays out tax credits for each of the 10 children. Even though they are not and have never been in this country. They may not even exist, how can we check?? 

we cannot afford to pay for children who are in this country so we should not be paying for children who do not live here. They are not our responsibility.

This is not xenophobia but simple basic economics.

Quid pro quo for those willing to work

At present due to the benefit system -some passporting benefits if one is contemplating returning to work/should return to work are taken away to the disadvantage of the benefit claimant. Take single mothers for example, the cost of child care and loss of income support is greater than their new income –  Usually part-time wage and working tax credit so there is no reason to go back to work. This should be changed. A system where those on benefits will financially be the same should they start work should be introduced. This does not necessarily mean freezing benefits such as Child Tax Credit! It should be looked at from the other angle – i.e bolster the wages to initially meet current levels of benefits for a certain period. After this, in order to make the savings to the public purse, an incremental reduction to this top up should be considered as the new worker settles into work. Or alternative take away some mandatory/ generic expenses which people returning to work might incur. For example, pay something towards their travel expenses or child care for a certain period.

Why is this idea important?

At present due to the benefit system -some passporting benefits if one is contemplating returning to work/should return to work are taken away to the disadvantage of the benefit claimant. Take single mothers for example, the cost of child care and loss of income support is greater than their new income –  Usually part-time wage and working tax credit so there is no reason to go back to work. This should be changed. A system where those on benefits will financially be the same should they start work should be introduced. This does not necessarily mean freezing benefits such as Child Tax Credit! It should be looked at from the other angle – i.e bolster the wages to initially meet current levels of benefits for a certain period. After this, in order to make the savings to the public purse, an incremental reduction to this top up should be considered as the new worker settles into work. Or alternative take away some mandatory/ generic expenses which people returning to work might incur. For example, pay something towards their travel expenses or child care for a certain period.

young people under 25 that work

I dont think it is fair that people under 25 cant get working tax unless you have a child there should be something for the under 25 that dont have children at the end of the day most of them dont live at home with there parents and have to run there own home. I work 40 hours a week and im 22 years old dont get nothing of the government and have to pay full rent council tax there definately should be something to top up my wage but when i have rang working tax credit to see if i was entitled they said no as i aint 25 and dont have any children.  i also think that the government should put a 6 month limit on claiming jsa and income support as there is people out there who claim jsa and dont even want a job.  you need to be more lianate on the benefit system.  I dont think it is fair that people who want a job cant find one and people out there just go and sign on and get money they all should have to do some work for the money they get it might get them of there arses and go and get a job.

Why is this idea important?

I dont think it is fair that people under 25 cant get working tax unless you have a child there should be something for the under 25 that dont have children at the end of the day most of them dont live at home with there parents and have to run there own home. I work 40 hours a week and im 22 years old dont get nothing of the government and have to pay full rent council tax there definately should be something to top up my wage but when i have rang working tax credit to see if i was entitled they said no as i aint 25 and dont have any children.  i also think that the government should put a 6 month limit on claiming jsa and income support as there is people out there who claim jsa and dont even want a job.  you need to be more lianate on the benefit system.  I dont think it is fair that people who want a job cant find one and people out there just go and sign on and get money they all should have to do some work for the money they get it might get them of there arses and go and get a job.

Child Tax Credit Repeal/Reform

The Child Tax Credit was initiated following WWII as an incentive for families to have more children and repopulate the nation.  This is no longer a relevant issue, and the cost of providing this benefit is significant for taxpayers.  It needs to be phased out. 

If we are not willing to get rid of the "tax credit", it needs to be reformed into a true welfare benefit: Currently, eligibility for the Child Tax Credit requires that applicants disclose income from paid employment, but specifically excludes disclosure of maintenance payments and other benefits (housing, automobile, etc) that are provided by a former spouse.  As maintenance is a form of income, it needs to be considered in determining eligibility for the Child Tax Credit.

Further, if this is meant to be a "tax credit", it needs to be linked to the actual tax payer rather than the primary caregiver of children.  Maintenance payments and other benefits are typically provided on a post-tax basis, such that payments under the Child Tax Credit system are not "tax credits" but benefits.  These benefits are not need based, as previously mentioned.

Why is this idea important?

The Child Tax Credit was initiated following WWII as an incentive for families to have more children and repopulate the nation.  This is no longer a relevant issue, and the cost of providing this benefit is significant for taxpayers.  It needs to be phased out. 

If we are not willing to get rid of the "tax credit", it needs to be reformed into a true welfare benefit: Currently, eligibility for the Child Tax Credit requires that applicants disclose income from paid employment, but specifically excludes disclosure of maintenance payments and other benefits (housing, automobile, etc) that are provided by a former spouse.  As maintenance is a form of income, it needs to be considered in determining eligibility for the Child Tax Credit.

Further, if this is meant to be a "tax credit", it needs to be linked to the actual tax payer rather than the primary caregiver of children.  Maintenance payments and other benefits are typically provided on a post-tax basis, such that payments under the Child Tax Credit system are not "tax credits" but benefits.  These benefits are not need based, as previously mentioned.

Make People Work for Benefits

The benefits system is quite frankly, flawed.

Tell me how it is fair that I as a young single working mother who works on a full time basis, pays rent (because I can't get on the property ladder), council tax and all other utility bills – come out with less money than that of an aquantance who, gets her rent and council tax paid for BEFORE receiving £100 less than my total income a month?! I have to pay for everything out of my income – including childcare, whilst she gets to decorate her house and buy the latest gadgets for her house and spend quality time with her children.

There is no icenative for people who can work, to work (of course, I am not discounting the thousands of genuine people that are out there at the moment, but I am pretty convinced that the they are a minority in the benefits system). The government needs to change the way this system operates. There are many ways to gain the skill required for work – volunteering for one!

It seems ludicrus to me, that the new government can cut working tax credits to the people who struggle to keep a roof over their heads month in, month out – but give handouts to people who are just simply not willing to work for a living. If the governement were to introduce a scheme where benefits recipients had to work for their benefit, they will increase the much lost work ethic that is missing from this country.

Why is this idea important?

The benefits system is quite frankly, flawed.

Tell me how it is fair that I as a young single working mother who works on a full time basis, pays rent (because I can't get on the property ladder), council tax and all other utility bills – come out with less money than that of an aquantance who, gets her rent and council tax paid for BEFORE receiving £100 less than my total income a month?! I have to pay for everything out of my income – including childcare, whilst she gets to decorate her house and buy the latest gadgets for her house and spend quality time with her children.

There is no icenative for people who can work, to work (of course, I am not discounting the thousands of genuine people that are out there at the moment, but I am pretty convinced that the they are a minority in the benefits system). The government needs to change the way this system operates. There are many ways to gain the skill required for work – volunteering for one!

It seems ludicrus to me, that the new government can cut working tax credits to the people who struggle to keep a roof over their heads month in, month out – but give handouts to people who are just simply not willing to work for a living. If the governement were to introduce a scheme where benefits recipients had to work for their benefit, they will increase the much lost work ethic that is missing from this country.

Cost duplication re Child Benefit and Child Tax Credits

It seems to me that there is a duplication in cost, regulations and administration for the Child Benefit payments and the other Child Tax Credit element.  Could not the Child Benefit be dealt with just as effectively alongside the Child Tax Credit element? 

To have a high level of income should exclude Child Benefit payments making more available for those most in need.  It could then be dealt with as an addition to the Child Tax Credit element.  All the income figures are available at this source………… Have one department instead of one……………?

For those who do not qualify for the Working Families Tax Credit System surely this could be incorporated into other benefits received.

To simplify the system by reducing red tape and duplication would save costs and make it easier for those who need to jump through the various hoops to claim. 

 

Why is this idea important?

It seems to me that there is a duplication in cost, regulations and administration for the Child Benefit payments and the other Child Tax Credit element.  Could not the Child Benefit be dealt with just as effectively alongside the Child Tax Credit element? 

To have a high level of income should exclude Child Benefit payments making more available for those most in need.  It could then be dealt with as an addition to the Child Tax Credit element.  All the income figures are available at this source………… Have one department instead of one……………?

For those who do not qualify for the Working Families Tax Credit System surely this could be incorporated into other benefits received.

To simplify the system by reducing red tape and duplication would save costs and make it easier for those who need to jump through the various hoops to claim. 

 

Tax Credit Annual Reviews

Despite the fact my youngest child is now 22 years I regularly  continue to receive an Annual Tax Credit Review pack and statement  requiring postage  costs for  an A4 envelope informing me that I  have a nil entitlement despite informing HMRC that my circumstances have not and are not likley to change

When I did receive tax credits it was generally for an incorrect amount and despite informing HMRC I eventually ended up making repayments for a year

It is also extremely difficult to actually speak to an Adviser using the 0845 telephone number and the recorded message asking you to continually ring back is frustrating . In all probability the lines are busy with people trying to get issues  such as the above sorted  diverting resources from being spent  advising, processing and making payments for those who should be benefiting from them in taking the step back into work.

Why is this idea important?

Despite the fact my youngest child is now 22 years I regularly  continue to receive an Annual Tax Credit Review pack and statement  requiring postage  costs for  an A4 envelope informing me that I  have a nil entitlement despite informing HMRC that my circumstances have not and are not likley to change

When I did receive tax credits it was generally for an incorrect amount and despite informing HMRC I eventually ended up making repayments for a year

It is also extremely difficult to actually speak to an Adviser using the 0845 telephone number and the recorded message asking you to continually ring back is frustrating . In all probability the lines are busy with people trying to get issues  such as the above sorted  diverting resources from being spent  advising, processing and making payments for those who should be benefiting from them in taking the step back into work.

Grandparents as childminders

Allow grandparents to be paid under the Child Tax Credit system to look after their grandchildren while parents go out to work. This will be better for the child and family overall. It's ridiculous that an outsider can get money for childminding, yet someone who is closer to the child and who understands the child better gets no help at all.

Why is this idea important?

Allow grandparents to be paid under the Child Tax Credit system to look after their grandchildren while parents go out to work. This will be better for the child and family overall. It's ridiculous that an outsider can get money for childminding, yet someone who is closer to the child and who understands the child better gets no help at all.

Change the rules if you claim both tax credits by getting free prescriptions etc

change the rules when accessing free presciptions, free eye tests, dental care free school meals, Only people on just child tax credit with income of £16000 can get free stuff

 

It should change to if you claim both working tax credits and child tax credits earning under £20000 should have access to free stuff

Why is this idea important?

change the rules when accessing free presciptions, free eye tests, dental care free school meals, Only people on just child tax credit with income of £16000 can get free stuff

 

It should change to if you claim both working tax credits and child tax credits earning under £20000 should have access to free stuff

Reduce Benefits For People With More Then 4 Children

Some people have children just to stay off work and to get more money off the state. To stop this I have a few ideas.

Give them child tax credits for the first 4 children but no more after that, this will reduce the number of people having more then 4 children.

  • which will increases the quality of life for the children.
  • Less strain on the public services.
  • Slow down the population increase of the UK which which this will reduce the CO2 emissions and strains on public services.

Why is this idea important?

Some people have children just to stay off work and to get more money off the state. To stop this I have a few ideas.

Give them child tax credits for the first 4 children but no more after that, this will reduce the number of people having more then 4 children.

  • which will increases the quality of life for the children.
  • Less strain on the public services.
  • Slow down the population increase of the UK which which this will reduce the CO2 emissions and strains on public services.