The Universal Credit Bill becomes law. Here are the changes to disability benefits you need to know
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Sorry for my answer, just read Rosie comment. I was completely unaware all this time about pip and lwcra. Learn something new everyday. It's certainly got me thinking. Much appreciated, thanks for that.
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No worries. Yeh LCWRA is part of Universal Credit, what the bill is about but I just feel all over the place trying to figure out what they're actually planning now. It doesn't feel like anything is really set in stone.
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filling migration form in it asks to put money into current account whereas my ESA goes into HSBC flexi saver, do i need to have it go in current account as it doesn't seem i can.. as then it asks if i have another account (flexi saver) where ESA goes in.. Surely as migration is, it's not about changing bank accounts.
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I couldn't say for sure but as UC seems to be all about linking benefits to any earnings - and ultimately they always planned to make it about spying on our financial activity - it wouldn't surprise me if they only accept current account details 🙄
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Having said that, Google tells me there should be no problem having your UC paid into a savings account.
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Hi tumilty
Funny you bring that up about different bank accounts in the same bank. I brought that very same question over the phone when making my migration to uc. I am with brittania building society, current account and one called smart saver. I asked the man at dwp if he wanted the account details for smart saver and his tarty reply was and I quote word for word "we don't care what names the bank give them I just want details for both." end quote. Hope that enlighten you any. In any case I'd imagine they'd want all details for all accounts because if only 1 is given it can be misconstrued as benefit fraud would it not. BTW my original esa went in current account and still does, but they still wanted details for my smart saver account. Also for another current account with a different bank
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Hi again tumilty
BTW my 3rd account was in different bank with the princely sum of £25 in it and they insisted on the details for it. My, my. What has this nation been turned into?
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Hi @Socrates63 yes thanks for that but thinking about it, probably easier in current account as my bank stopped cards for savings, only for current so saves transferring over.
Yes not good to say only 1 bank account when have a few with stuff in.. I'm terrible with all this stuff, names for things, haven't a clue.. if i haven't got enough on in life.. all overwhelming.
Might just stick it all in 1 account.
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why spy just current accounts as i thought can have as many as want as long something in them. Anyway monies people warrant through all the forms filled in and doctor letters the money you get can be spent on things people need to live which can be anything i suppose
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Personally I think they play the old good cop bad cop routine. One person from jobcentre + can be nice and if you speak to someone from dwp they'll be as sharp as possible with you. Or vice versa. Then you speak to someone else from say and they claim to be nothing do with dwp. But still nice with you. All designed to completely confuse us and then they get what info they want. That's my opinion anyway and I'm sticking to it 😉👍
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yeh well i don't know anything about all the jargon.
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Just to add I believe it will be at least April 2028 before anything changes for existing claiments of lcwra but no pip .... I myself an on cbesa / New style ESA ( not sure which ) and lcwra but no pip and that's the way I understand it to
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Hi passerby
I think one of the big problems why people aren't discussing what you say about lwcra is the complexity of some of the benefits they actually receiving. Some folk actually have forgotten what names of individual terms of benefit they mean. For example, some folk on esa forget they're receiving different components of esa eg the term lwcra.and what it means. They've forgotten what rate they're on, higher or middle or low. The more it's delved into the more frustrating it becomes, till the average claiment already under immense pressure forfeits any right to know what they've been claiming and gives it up to the folk in charge to decide what they're going to get next(dwp). Myself included had to look it up, the full list of what the terminology meant, and I think maybe some people just want to know what they are going to receive, not what they should be receiving. In my experience, in times before the dwp often as not got it right. Bit. Like going to your doctor. you trusted them. now Im fearful, not so sure. That's why I asked in a past post, "what is the nation coming to"? Sorry for the waffle
Take care. socrates.
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Ok yes I get that just for some reason I can't recall it goes in savings account..It all gets used I'm not trying to build up a load of money, ESA goes in Flexi saver and pip in current. My ESA has gone up a bit since I was quite ill last year but it's ending so guess I just need to concentrate on UC.
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Absolutely.
One thing has been very clear through this, being that they will scrap the WCA, so considering the impact it's incredibly frustrating that this whole issue is so neglected.
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THIS IS A LINK TO THE REPORT, PUBLISHED TODAY, 29TH JULY, BY THE WORK AND PENSIONS COMMITTEE, REGARDING THE PATHWAYS TO WORK GREEN PAPER:Get Britain Working: Pathways to work
The Report above was attached to the following email I received from the Work and Pensions committee on 28th July:
From:Work And Pensions Committee <WORKPENCOM@parliament .uk>Sent:28 July 2025Subject:EMBARGOED: Concerns new UC health claimants could face povertyHouse of CommonsWork and Pensions CommitteeConcerns new UC health claimants could face povertyA new report from the Work and Pensions Committee has raised concerns that planned cuts to the health component of Universal Credit (UC health) will push disabled people into poverty despite the above inflation rise in the UC standard allowance.
In its
Pathways to Workreport, the Committee repeated calls to delay planned cuts in UC health reform until the full impact of the changes are better understood. The Committee wrote to the Secretary of State in May calling for a pause of the planned reforms to UC health and Personal Independence Payments (PIP) and called for PIP policy to be co-produced with disabled people.The Government subsequently dropped all the PIP proposals and agreed to co-produce a new PIP assessment process with disabled people and their organisations in a review led by Sir Stephen Timms.
However, under the planned reforms to UC health, from April 2026 although all existing claimants and new claimants with severe or terminal conditions will be protected, other claimants assessed as having limited capability for work and work-related activity will see their awards halved from £423.27 to £217.26.
This is part of the Government’s drive to get more people off welfare and into work, as described in their Pathways to Work Green Paper.
Although the intent to safeguard these people was welcomed, MPs on the Committee raised concerns that some conditions, particularly serious mental health conditions, might not be included under the severe condition criteria; this also applies to people with fluctuating conditions. The Committee also asked the Secretary of State why an assessment of safeguarding risks had not been conducted before the Green Paper was published.
Committee Chair Debbie Abrahams said,“We welcome the concessions that the Government made to the UC and PIP Bill (now the UC Bill); but there are still issues with these welfare reforms not least with the cut in financial support that newly sick and disabled people will receive.”“The Government’s own analysis published in March indicates that from next April approximately 50,000 people who develop a health condition or become disabled – and those who live with them - will enter poverty by 2030 as a result of the reduction in support of the UC health premium.”“We recommend delaying the cuts to the UC-health premium, especially given that other policies that such as additional NHS capacity, or employment support, or changes in the labour market to support people to stay in work, have yet to materialise.”“We agree in a reformed and sustainable welfare system, but we must ensure that the wellbeing of those who come into contact with it is protected. The lesson learned from last month should be that the impact of policy changes to health-related benefits must be assessed prior to policy changes being implemented to avoid potential risks to claimants.”ENDS
Notes to editors:- The Universal Credit standard allowance is the minimum level of support received by people out of work. For those in work, and below this level, the standard allowance will top-up income to reach it. The minimum monthly levels for singles are £316.98 for under 25s and £400.14 for over 25s, and for couples under 25 £497.55 and £628.10 for over 25s.
- Non-pensioner health-related benefits spending has jumped £20bn since the pandemic.
- UC health as an incapacity benefit paid to people with conditions that limit their ability to work. There are others, including Employment Support Allowance. In total 3.3 million people now receive an incapacity benefit.
- Current spending on incapacity benefits as a % of GDP is currently significantly lower than its 1990s peak (1.3%).
- When published, the full report will appear on the inquiry website on the following link: https://publications.parliament.uk/pa/cm5901/cmselect/cmworpen/837/report.html
Committee Membership: Debbie Abrahams MP (Oldham East and Saddleworth, Labour) is Chair of the Work and Pensions Committee, a full list of Members can be found here.You can follow the Committee on X (formerly Twitter) using @CommonsWorkPen , and visit the Committee’s website.
You can also find the House of Commons Committees on Instagram at @UKCommonsCommittees .
Visit parliamentlive.tvto watch committees and parliamentary debates onlinePublications, Reports,Library researchand much more can be found at www.parliament.ukFor information about how the House of Commons uses your personal data please see our privacy notices:www.parliament.uk/site-information/data-protection. Your data will be held until you let us know that you wish to unsubscribe.House of Commons | Palace of Westminster | London SW1A 0AA | + 44 (0)20 7219 8582 | Text relay: 18001 020 7219 8582Works and Pensions Committee;Website|Follow the Committee on:X|parliament.uk
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