I’m currently working
with a couple who typify the unintended consequences of recent changes to
welfare benefits arising from the recession. Despite their best efforts, the
recession has made it impossible to earn a living wage, and they have then been
further victimised by the current system, that should be designed to protect
the most vulnerable.
Mr and Mrs Jones live
in a Housing Association 3 bedroom house. They have lived there for over 30
years, raising 5 children, and maintaining the property immaculately.
Mr Jones works as a
self employed landscape gardener. While not making a huge amount from this
work, he has nevertheless managed to support himself and his family for many
years without recourse to public funds, but when the recession started to bite
in 2008, gardening work became scarcer as people tried to find ways of cutting
back, and he began to fall into debt.
He started to get
depressed. However, he tried to fight this, and in an attempt to meet his
ongoing commitments and to service his debts, he took a part time job
delivering parcels for a national company. But, already depressed, he found the
struggle to keep up with the schedule impossible to manage. He ended up working
hours longer than he was paid to in order to meet the delivery targets.
After a few months of
this, and still unable to meet his financial commitments, one morning he woke
up and was simply unable to get out of bed. He felt terrified to even leave the
house, and would have panic attacks at the very thought of going shopping.
He went off sick, and
started to receive statutory sick pay. He also made a claim for housing benefit
and council tax benefit. But this is where it became even more complicated.
Mrs Jones has a zero hours
contract with a local commercial cleaning company. This means that she fills in
for the sickness or absence of cleaning staff. Sometimes she works 6 hours a
week, sometimes she works 20 hours a week. Some weeks she is not called on at
all.
The consequence of her
erratic income is to make claiming means tested benefits very haphazard. Each
week Mr Jones has to notify the local
authority how much she has earned, and benefits are then paid accordingly. Of
course, there is always a delay in calculating and paying these benefits, which
means that there is little guaranteed money coming into the house to pay
essential bills. Mr Jones is having difficulty trying to pay the prescription
charges for the antidepressant and other medication he has been prescribed to
try to help him recover.
To add to Mr & Mrs
Jones’ woes, because their children are all adult and have left home, they have
two unused bedrooms, so are penalised further by the “bedroom tax”. For the
first time in their lives, they are falling into arrears with their rent.
Their current
predicament is unsustainable. But what should they do?
Should Mrs Jones
continue doing her job? Her irregular income creates havoc with their finances,
and it would surely be better for them as a couple if she stopped work
altogether, so that they would at least be able to count on a regular income from
benefits, inadequate though it is, especially with the additional penalty of
the bedroom tax.
Should they attempt to
move to smaller accommodation to reduce their rent and stop being penalised?
The problem with that is that hundreds of others in social housing in the area
are also trying to do the same thing, and as a consequence, one bedroom
properties are in very short supply. And is it really just that a couple who
have been exemplary tenants, and who have put their lives into maintaining their
house as a much loved home, should have to leave it?
As a mental health
worker, whose job it is to aid recovery from mental illness, I would have to
advise Mr & Mrs Jones to stop working completely, and be reliant on
benefits. That way, their income would be regular and stable, they would be
entitled to help with prescription and dental treatment, and they might be able
to at least pay essential bills, even if they would not be able to service
their debts.
What a shame it is
that the welfare system is not designed to facilitate those people who want to
work, even if only part time, but instead makes it impossible for them to work.
And of course, if Mr Jones remained without work, he would start to be subject
to capability for work assessments, whether there was work for him or not.
Would that harassment hasten his recovery? I think not.