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Housing and Welfare Reforms: Issues for ALMOs. Steve Wilcox University of York. Housing and welfare reforms: Issues for ALMOs. Housing Benefit Reforms The Maximum Benefit Cap Universal Credits. The Housing benefit reforms. Private sector reforms Caps & lower LHA rates

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housing and welfare reforms issues for almos

Housing and Welfare Reforms:Issues for ALMOs

Steve Wilcox University of York

housing and welfare reforms issues for almos2
Housing and welfare reforms: Issues for ALMOs
  • Housing Benefit Reforms
  • The Maximum Benefit Cap
  • Universal Credits
the housing benefit reforms
The Housing benefit reforms
  • Private sector reforms
  • Caps & lower LHA rates
  • CPI Indexation (& definition)
  • Increased non dependent deductions
  • Social sector size limits
  • Additional bedroom for carers
  • Discretionary Housing Payments increase
caps and lower lha rates
Caps and Lower LHA Rates
  • Maximum National Caps
  • Maximum 4 Bed Rate
  • 30th Percentile Rates (5/8% below median)
  • Removing £15 excess provisions
  • Increased pressure on social sector
the maximum benefit cap
The Maximum Benefit Cap
  • Based on national average earnings
  • Applies to all tenures
  • Only applies to out of work households
  • Doesn’t apply to disabled or retired
  • Impact on large families in high rent areas
  • Likely to be some modifications?
universal credits i
Universal Credits I
  • Major Structural Simplification
  • Based on Dynamic Benefits
  • Single Integrated Taper
  • Aims to promote work incentives
  • Higher initial costs
  • Long term savings from work impacts ?
universal credits ii
Universal Credits II
  • Transitional protection
  • Future ‘gainers’ and ‘losers’
  • Integrated ‘real time’ weekly adjustments
  • Challenging IT and Admin Reforms
  • Limited lone parent allowances
  • Help with housing costs reconfigured
universal credits help with housing costs
Universal Credits:Help with housing costs
  • High earnings disregard
  • But reduced if help with housing costs
  • Mortgage costs included (?)
  • Council tax benefit excluded (?)
  • Many in work claimants better off
  • But complexity will dilute message
the earnings disregard formula
The Earnings Disregard Formula
  • Earnings disregard for tenants =
  • Higher earnings disregard
  • Rent times 1.5
  • Subject to lower earnings disregard floor
  • But no disregard for a single person
the current benefit poverty trap
The current benefit poverty trap

Couple with two children. £80 pw rent. 2010/11 Rates

Under £180 pw less than 30 hours

the structure of universal credits
The structure of universal credits

Couple with two children. £80 pw rent.

net impact of systems compared
Net impact of systems compared

Couple + 2 children. Rent £80. Council Tax £15. £5.93 per hour earnings.

universal credit issues
Universal Credit Issues
  • Risks & intermediate rents
  • The national cap & work
  • Complexity of earnings disregards
  • The direct payment issue(s)
  • The monthly payment norm
  • Provisions for mortgage costs?
  • Council tax benefit?