Rachael Walker, Research and Policy Director at Policy in Practice, sheds light on the staggering £23 billion of unclaimed financial support available in the UK. The discussion reveals the types of benefits many overlook, such as pension credit and carer’s allowance, often due to lack of awareness. Personal stories illustrate challenges faced by caregivers navigating the system, emphasizing the importance of seeking help. The conversation also tackles the stigma around applying for financial assistance, encouraging listeners to recognize their rights to support.
A staggering £23 billion in welfare benefits goes unclaimed each year, largely due to a lack of awareness and understanding.
Tax-free childcare support is significantly underutilized, highlighting the need for better communication and community outreach regarding eligibility.
Deep dives
The Unclaimed Benefits Crisis
A staggering £23 billion in welfare benefits is reported as unclaimed, with £12 billion attributed to national benefits like universal credit and pension credit. Many individuals, including those who have experienced significant life changes, remain unaware of their entitlement to these crucial funds. The lack of awareness results from not knowing what benefits are available as well as the complexity of the application process. Stigma and fear surrounding the act of claiming benefits also deter many from seeking the support they need, as society often equates benefits with failure.
The Importance of Benefit Calculators
Benefit calculators play a vital role in helping individuals understand their eligibility for various financial supports, yet many do not utilize these tools. This oversight can have profound consequences, particularly for families dealing with disabilities or those experiencing economic hardships, who may not realize they qualify for assistance. For instance, individuals like Esther, a mother of three, discovered that despite working multiple jobs, she was entitled to financial support as a carer, which significantly improved her situation. The importance of reaching out to organizations like Citizens Advice and Turn to Us for guidance on these calculators is crucial for maximizing potential benefits.
Navigating the Complexity of Childcare Benefits
Tax-free childcare is underutilized, with many families unaware they can claim government support worth up to £2,000 per child each year. While eligible families can benefit significantly from this scheme, there exist specific income thresholds that can complicate access. For instance, a family where one parent earns just shy of £100,000 might miss out due to a lack of understanding about their eligibility. Awareness campaigns and community support are essential in ensuring families comprehend the variety of assistance available to them, especially concerning childcare expenses.
Each year it’s estimated that £23 billion worth of help and support – from housing benefits to pension credit – goes unclaimed according to Policy in Practice.
We look at the kind of help that is available, and hear from listeners on their experiences trying to claim the benefits they’re entitled to, as well as who might be able to get money off their childcare or broadband bills.
Presenter Felicity Hannah is joined by a panel of experts who answer your questions on how to make the best of the available support: Rachael Walker, research and policy director at Policy In Practice; Sam Hubbard, Head of Core Services at Citizens Advice in Staffordshire North and Stoke On Trent and David Samson, a benefits expert at Turn2Us.
And we hear from a range of people with their own experiences of trying to secure benefits – sometimes during life-changing moments. Gary from Lincolnshire tells us how he had to become a carer for his poorly wife. But during a difficult journey to obtain benefits, it was only by chance that he discovered certain types of support he was entitled to. Meanwhile, Esther from London tells us how she wasn’t aware she could be entitled to a carer’s allowance for her children – two of whom have complex needs .
Presenter: Felicity Hannah
Producer: Craig Henderson
Editor: Sarah Rogers
(This episode was first broadcast on Wednesday 16th October 2024).
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