Britain is going through the most radical upheaval of the benefits system since its foundations were laid at the end of the 1940s. In Broken Benefits, Sam Royston argues that social security isn’t working, and without a change in direction, it will be even less fair in the future.
Drawing on original research and high-profile debates, this much-needed book provides an introductory guide to social security, correcting misunderstandings and exposing poorly understood problems. It reveals how some workers pay to take on additional hours; that those who pay national insurance contributions may get nothing in return; that some families can be paid to split apart; and that many people on the lowest incomes are seeing their retirement age rise the fastest.
Broken Benefits includes real-life stories, models of household budgets, projections of benefit spending, and a free online calculator showing the impact of welfare changes on personal finances. The book presents practical ideas of how benefits should be reformed, to create a fairer, simpler and more coherent system for the future.
Dr Sam Royston is Director of Policy and Research at The Children’s Society and chair of the End Child Poverty coalition, and spends much of his time trying to make the benefits system work a little bit better for children and families. He regularly gives evidence to Parliamentary Select Committees on welfare reform issues, and his work often appears in the national press.
Prior to this he worked as a welfare rights advisor, in which role he spent many frustrating days on the phone with the DWP and HMRC, trying to help fix people’s broken benefits.
Part I: INTRODUCING THE BENEFITS SYSTEM;
The makings of a British Revolution - a brief history of benefits;
What are benefits for?;
Part II: MAPPING IT ALL OUT - THE MECHANICS OF THE BENEFITS SYSTEM;
Benefit entitlements for people with no other income or savings;
Contribution based benefit entitlements for people with no other income or savings;
How support changes as a claimant (or their partner) move into work;
Part III: A THOUSAND CUTS;
A freeze is as good as a cut;
Welfare Reform and the Family Test;
Cuts to ESA and the Limited Capability for Work component of Universal Credit;
Triple Locked? – benefits for pensioners;
Welfare that Works? - part 1. the "old" system;
Welfare that works? –part 2: Universal Credit;
The great insurance scam - why the Contribution based benefits system is a toxic mess;
Part IV: CHAOS, ERROR AND MISJUDGEMENT - PAYMENTS AND ADMINISTRATION IN THE BENEFITS SYSTEM;
No reason to be fearful? - Assessing sickness and disability;
"Chaos, error and misjudgement" - the administration of Tax Credits and Universal Credit;
Local benefits, local choices;
Making "older people" older - changes in the Pension Age;
Part V: THE "NEW SETTLEMENT" - BENEFITS IN 2020;
Understanding the low tax, low welfare economy;
The social impact of moving to a "low welfare" economy;
Part VI: BETTER BENEFITS;
Preventing poverty and destitution;
A system which responds to household need;
Supporting "socially desirable" behaviours;
Simplicity from the claimant's perspective;
"Broken Benefits gives expert, accessible exposure of social security provision in the UK – its past, its cuts, its future plans. It strongly calls for Better Benefits." Terry Patterson, National Association of Welfare Rights Advisers