Personal Independence Payment (PIP) is a benefit that can help with extra living costs if you have both a long-term physical or mental health condition or disability if you have difficulty doing everyday tasks or getting around because of your condition.
PIP can be applied for even if you’re working, have savings or are getting most other benefits.
A Mandatory Reconsideration is the first step of challenging a PIP decision. This involves asking the Department for Work and Pensions (DWP) to look at their decision again. A Mandatory Reconsideration has to be applied for within one month of the decision date (the date that is given on the decision letter).
Reports show that the latest PIP statistics give show that Mandatory Reconsiderations success rates have fallen for almost every single month since October of 2021. The statistics go on to show that the success rates have dropped from 45% in October 2021 to just 26% in April of 2022. When questioned the DWP have offered no explanation for this inexorable decline in Mandatory Reconsideration success rates.
In 2019 the DWP implemented a new system of contacting claimants who lodged a mandatory reconsideration in order to collect further evidence. As a result Mandatory Reconsideration success rates rose considerably.
Moving forward to 2022 the DWP are now struggling to cope with an 18% increase in new PIP claims.This has resulted in a 9% increase in requests for mandatory reconsiderations which in turn has caused significant stress on an already overwhelmed system.
There are various reasons as to what the cause is but one notable one is that the DWP appear to no longer take the time to contact claimants if they’ve failed an assessment therefore success rates have fallen back to their previous levels before 2019.
Invariably this has resulted in thousands of claimants becoming disheartened and forgoing applying for a Mandatory Reconsideration. If a claimant makes the decision to challenge the DWPs decision they often have to wait months before going through the ordeal of an appeal tribunal. This results in already vulnerable people in a distressed state unable to continue with their day to day activities that their PIP award enabled them to do.
People living with a disability or illness have long bared the brunt of the governments cruelty being neglected, ignored and often left to cope with relentless cuts to their benefit payments and help that most need to continue with their day to day activities.
The governments relentless targeting of the most vulnerable in society needs to stop but sadly its very likely that this won’t happen whilst the Tory government are still in power. Instead they prefer to have parties and sing on karaokes whilst thousands of people suffer as a result of their actions.
Please read, share and tweet this blog post, every share helps massively to raise awareness which is vitally important.
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A huge thank you to everyone that supports my blog and campaign. Every penny makes a huge difference and enables me to continue with my work. I don’t receive any payment for any of the work that I do and its a huge struggle for me.
A recent report undertaken by Money Advice has uncovered that Council Tax arrears are rising dramatically and are expected to grow exponentially.
As detailed inthe report the total amount of arrears owing now stands at over £4.9 billion, this is an increase of £521 million (12%) on last year (2021).
With the ever increasing cost of living costs and energy bills it comes as no surprise that many are struggling to pay council tax.This has been happening for years and it shows no sign of improving.
The analysis conducted by Money Advice suggests that the problem is worsening showing that in the past 5 years the average CouncilTax bill in England has risen by 24%. At the same time arrears have risen profoundly by 74% over the same time period
This leaves an ever increasing amount of households that are struggling to afford their bills and everyday costs therefore falling deeper into arrears unable to meet the payments.
The truth is that the current system of collecting council tax isn’t working, it often costs local authorities more to implement than they actually are able to collect. Households are already struggling to pay and local councils are trying to cope with the deficit of payments whilst trying to keep essential services going as many rely upon council tax payments to provide such services.
The rules that govern council tax collection are approximately 30 years old and are no longer working for today’s financial climate. The whole council tax system needs to be changed for it to work fairly both for households and local authorities.
Money Advice suggests that the Government needs to urgently take a duel approach both for households and councils.
They suggest that:
The government increases and ring-fence funding for Council Tax Support to stop people falling behind enabling more people to get help paying.
Change and reform collection rules so that households are treated fairly and not met with intimidating behaviour from bailiff sent out to collect arrears. This creates distress and doesn’t actually work to help people pay, instead it increases debt due to having to pay bailiff costs as well.
In an ideal world there would be new, fair system created that is affordable and doesn’t cause increasing poverty and spiralling into further debt.
Food prices are predicted to increase by 15% in the UK this summer. This is the highest level in more than 20 years. This is predicted to rise alongside inflation which could last until the middle of next year, according to a report by The Institute of Grocery Distribution (IGD)
This is a result of the ever increasing prices of meat, cereal, dairy, fruit and vegetable products caused by the rise in costs of wheat prices as a result of the war in Ukraine.
The Ukraine is a big supplier of wheat to the UK, combined with sanctions imposed upon Russia will undoubtably cause a hike in prices and also a probable wheat shortage. Also predicted by the grocery trade body IGD.com is a rise in costs of food items caused by production lockdowns in China and export bans on food products such as palm oil from Indonesia and wheat from India.
What does this mean?
Food costs are going to rise dramatically again making it extremely difficult for low income households to be able to afford to buy much needed food essentials. According to a survey undertaken by the Office for National Statistics (ONS) there has been an increase in the number of people spending less on food and household essentials which has risen from 36% to 41%.
This figure is set to rise again in the Autumn when as predicted by The Bank of England inflation is predicted to reach to 11%, which is the highest since the 1970s.
Rising energy costs
Households are still struggling to cope with the rise in energy costs with government payments set to be sent out to household in July. This scheme is not without its faults though leaving some low income households and disabled people exempt from this scheme.
After the second payments given by the government in October there are so far no plans to extend this to the winter and beyond, leaving many forced to live in cold homes unable to cook food.
A recent survey also carried out by the Office for National Statistics (ONS) has revealed that 52% of low income households are being forced to use less gas and electricity because they can no longer afford the cost. This in turn will also affect a households ability to cook meals.
Why does this matter?
Low income households are already burdened with an ever increasing cost of living that they can no longer afford to keep up with. Already overwhelmed with these costs and the lack of affordable food this will undoubtably cause mental distress and illness as a result of not being able to provide the basics for themselves and their families.
The lack of financial support from the government in helping the public with these costs is sadly lacking. In work and out of work benefits such as universal credit, working tax credits, ESA and PIP have failed to rise with inflation leaving households with a huge financial deficit.
The poorest can no longer be expected to bear the brunt of these ever increasing costs. Permanent financial help from the government needs to be offered before winter, if not thousands will undoubtedly become ill or worse as a result of living in cold homes unable to provide food for themselves and their families.
Please read, share and tweet this article it helps massively to raise awareness about the real issues facing working class people in the UK.
I don’t receive any payment for any of the work that I do, and like yourselves I’m struggling to be able to cope with the increasing costs of everything.
If you can afford to and would like to donate to keep my blog and campaign going theres a donate button at the top and side of this blog post. Every penny makes a massive difference and it really helps.
A huge thank you to everyone that’s helped to support my blog and campaign I really couldn’t do this without you. Thank you.
UK doctors suffering from Long Covid have been denied PIP according to a recent report by The Guardian.
Long Covid can be very debilitating leaving sufferers unable to do the most basic tasks without some help and assistance.
The report describes how badly the doctors are being treated by the DWP.
For example a respiratory consultant has described how they were refused PIP (Personal Independent Payments) whilst having urinary incontinence, difficulty standing, preparing food, eating, washing, dressing or engaging with people face to face. They also stated that they can’t stand for more than 10 minutes, find it very difficult to prepare food.
They went on to say “I thought that I had illustrated quite clearly what my disability was.” “When I got the report back, I thought is this about me?’”
The article also reveals that the process of making a PIP claim was so hard and mentally exhausted that it worsened their symptoms leaving them feeling much worse than before making their claim.
Some describing that they’ve been forced to use almost all their savings on private treatments and have considering selling their home as a result of this process.
For example an infectious disease expert that developed Long Covid found that their claim was rejected in part because they can drive a car, the assessor stating in their report that they showed “significant physical function” and “substantial cognitive powers”.
According to the Office for National Statistics from May 1st 2022 an estimated two million people in the UK have reported having Long Covid and it also beggars the question how many people having Long Covid are being refused their PIP payments despite having these symptoms and worse.
For many years now the whole PIP testing system has been heavily criticised and is flawed against the person applying for it. Many give up and try to continue without it because the process is too arduous and painful. It is noted that approximately 70% of PIP claimants win their appeal if they choose to do so.
The whole process urgently needs a huge reform and claims need to be processed correctly and fairly whilst taking into account the true symptoms and difficulties that PIP claimants report. Many PIP claims are refused upon the basis of lies made by the assessors conducting PIP assessments.
Sadly whilst the Conservative government remains in power any changes to the system remain very unlikely.
If you are also finding it hard to claim PIP or/and ESA for Long Covid related illnesses please comment below or tweet your difficulties via this blog on Twitter or Facebook. Let’s get our voices heard!
Please read and share it helps massively to raise awareness .
I receive no payment for any of the work or campaigning that I do and it’s a huge struggle for myself like it is for you. If you can afford and would like to donate to enable me to continue with my work theres a donate button at the top and side of this blog post.
A huge thank you to everyone that has and does help support my work. Every penny makes a massive difference and enables me to continue.
A recent report by Healthwatch England has revealed a huge crisis looming within the UK NHS system. The report shows that people in the Uk are struggling to find a NHS dentist or be forced to pay for dental care that they can’t afford to pay for.
It has become near impossible for many to access any NHS dental care which forces them to either to pay for private dentistry services or to go without. This leaves many left suffering excruciating pain and also worsening health conditions as an effect of not being able to access dental care.
Healthcare Watch Report
A recent poll undertaken by Healthcare Watch revealed that of 2,026 adults based in England, nearly half (49%) of respondents, felt that NHS dental charges were unfair.
The poll also looked at people’s experiences of NHS dentistry revealed the following:
• 54% of people who had an NHS dentist appointment had problems doing so, showing that 63% respondents found it difficult to book an NHS appointment with more than three in ten people (31%) unable to access all the treatments they needed.
The Report Also ShowedThat:
46% of people had problems with the costs associated with their NHS dental care.
Revealing that(34% of respondents said they had no option but to pay privately to get all the required treatment that they needed, Showing that 24% commented saying that their NHS dentist didn’t explain the cost before starting treatment.
Approximately one in five people reported that their NHS dentist charged them more for their treatment than the advertised NHS charges.
21% of people that couldn’t access NHS treatment revealed that they suffered as a result of being unable to access treatment Of this, one in three (34%) respondents said a lack of access to dental care that inevitably led to more serious health problems.
Respondents also revealed that a lack of dental care made it hard to eat or speak properly leaving 19% of people avoiding people and social situations.
Why is there a shortage of NHS treatment?
Accessibility to NHS dental services has been gradually worsening over the last 10 years. Some years before 2020, the National Audit Office (NAO) reported that the remuneration system for dentists ‘was purely activity-based and had done nothing to incentivise tooth decay and care prevention.One of the main causes for the shortage being the Units of Dental Activity system.
Under the present system dentists are only being paid for Units of Dental Activity (UDA’s)for example doing treatment on tooth problems instead of offering regular check-ups and preventative treatments.
This has resulted in dental problems being left too long which eventually in a general decline in oral and physical health.
This along with the fact that the UDA targets for dental practices are notably unachievable has resulted in dentists moving away from offering NHS services and operating private services and no longer NHS treatment. As a result of the present UDA system the demand for public dental services has overtook the availability of NHS treatment for years.
In 2002, the NAO raised their concerns about the estimated shortage of NHS dentists. This resulted in approximately two million people being unable to register with an NHS dentist, unable to do so.Sadly since 2002 the demand for services has risen but the availability of services has reduced leaving a huge deficit.
The need for a complete reformation of the UDA system is greater than ever. Dentists should be offered renumeration for all NHS services and the attraction to work within the NHS system should be prioritised.
Address the funding crisis to ensure that funding is appropriate and adequate for the level of demand expected by the current population.
Attract newly qualified practitioners into the industry through apprenticeships, links with universities and advanced training programmes.
Incentivise practices to commit to NHS dentistry by reviewing targets, penalties and credit units.
Add dental health roles to the list of national shortages to ease accessibility into the industry for EU citizens.
The UK is experiencing a NHS dental crisis which at the same time is risking the health of thousands of people suffering from dental problems.
Not only does the lack of NHS dental services cause dental problems it can also affect a persons physical health which can deteriorate as a result of not being able to access dental services.
Resolving this crisis is more important now than ever.
Are you experiencing dental problems and unable to access any NHS dental services? Feel free to comment below and tell me about your experiences.
A record level number of Universal Credit (UC) sanctions has recently been published by the Department of Work and Pensions on the 22nd May 2022.
It is reported by the DWP that the amount of UC sanctions had reached a record high in January 2022 this is according to statistics released by the DWP in May.
This follows the restrictions during the the pandemic when the DWP had been pressurised to remove work search and availability requirements for UC claimants also suspending face-to-face interviews due to the health risks involved. Work search and availability requirements were reintroduced gradually and are now fully implemented.
According to the latest figures released by the DWP UC sanctions prior to the pandemic consisted of 2.51% of UC claimants being sanctioned. In February 2022 sanction levels had risen dramatically to 3.90%.
According to the report in January 2022 there were reported 38,200 adverse sanction decisions showing the highest number of adverse sanction decisions on UC full service ever recorded, leaving many claimants dragging claimants further into poverty.
According to the DWP statistics released in February 2022 36.3% of UC claimants were in the conditionality groups that could be subject to sanctions, this includes claimants in the “searching for work”, “planning for work”, “preparing for work” or “unknown” conditionality groups.
It appears that the DWP have wasted no time in hitting claimants with sanctions and this is what they do best. Instead of helping claimants they find it more beneficial to unfairly sanction some of the most vulnerable people.
The conditionality requirements are confusing especially after the pandemic with many claimants not realising that their requirements had returned to normal. It’ll also be interesting to find out how many of them were affected by long Covid or indeed Covid itself and of course they wouldn’t have been able to reach out for sympathy from the DWP.
Not only will these sanctions have a terrible affect upon a persons health and well-being they will also put even more pressure upon already over subscribed food banks that were already struggling before the pandemic.
Whilst the nation is supposed to be celebrating the queens jubilee, a woman with an immense amount of privilege and wealth, thousands will be left suffering in extreme poverty unable to afford even the most basic things. It’s time that we should highlight their plights instead of celebrating the jubilee.
Once again thanks to Benefits And Work for inspiring this weeks blog.
Please share it really helps massively to raise awareness about the suffering of many people totally abandoned by the government.
I receive no payment for any of the work that I do and to say that I’m struggling is an understatement. Every penny donated helps me to continue blogging and campaigning and I would really like to be able to do so.
A huge thank you to everyone that has and does support the blog and campaign. The past two years have been a nightmare for me and I really couldn’t have done this without you.
Pre-paid funeral plans are used by many people to cover the cost of funerals, they operate by paying money received either by instalments or lump sum payments to a funeral plan provider chosen by the customer. The funeral plan provider then invests the money paid into an insurance policy or an independent trust fund.
Pre-paid funeral plans are available to buy at most funeral directors in the UK.
Although the conditions of pre-paid funeral providers vary essentially the plan that is purchased should cover the full cost of a funeral paid for and should also fulfil the plan holder’s final wishes for any funeral arrangements.
When are the pre-paid funeral providers to be regulated?
The Financial Conduct Authority will start to regulate providers that provide and arrange pre-paid funerals from 29 July 2022.
From July all providers must apply to the FCA for authorisation. The FCA provides a list which shows the status of each provider. They also provide a list of existing providers who will not be applying for authorisation or have withdrawn their applications: providers who will not be authorised.
It’s vitally important to check these lists before purchasing a pre paid funeral plan.
What will happen once the funeral plan providers are regulated?
From 29 July 2022 all funeral plan providers must be authorised by the FCA. Any providers that aren’t authorised will be committing a criminal offence if they even attempt to sell or administer a funeral plan contract. This is because they won’t be able to deliver the plans that have been paid for.
The FCA saying ‘We want to make sure that you have access to the Financial Services Compensation Scheme (FSCS) from the first day of regulation, so your money is protected if the firm fails.’
In July the FCA will introduce a range of measures to protect the consumer which will include a ban on pre-paid funeral companies from cold calling potential customers.
Why the need for regulation?
Safe Hands pre-paid funeral plans went into Administration in March 2022, upon doing so they withdrew their application for FCA authorisation in February. Safe Hands was at one time registered with the Funeral Planning Authority but is no longer included in the FPA list of Prepaid funeral plan providers.
When Safe Hands pre-paid funeral plans went under administration its understood that they had approximately 46,000 plan holders. Because Safe Hands aren’t within the ombudsman’s jurisdiction they are unable to help any customers of Safe Hands Plans Limited.
At the time of writing the administrators estimate that the process of realising assets and issuing partial repayments to plan holders will be a significant undertaking. Thus being so it will take some time to complete.
Is there any help for the customers of Safe Hands customers?
To help the plan holders the administrators will contact plan holders directly. if necessary for them to make a claim they will provide details of how to make a claim and what you can claim for.
Any plan holders that have paid any or of their funeral plan instalments via a credit card or have paid fully via credit card may be entitled to register a claim with their credit card provider under s75 of the Consumer Credit Act 1974.
What Dignity PLC can do to help.
Dignity plc is one of the UK’s largest providers of funeral plans. They have sent a plan to the administrators that would allow them to cover some of the pre-paid funeral plans and will offer any support thats urgently needed to help families to find any solutions that will hopefully provide a solution so that any customers won’t be left without anything in place.
Economic Secretary to the Treasury, John Glen, expressed his gratitude to Dignity for stepping in “to provide funerals on behalf of Safe Hands’ customers in the immediate period after the firm entered into administration” and agreeing to do that “for a further six months”.
What you can do.
If you have purchased a pre-paid funeral check who you purchased it from. If you find that you have purchased it from Safe hands then follow the advice given above to see if you can get any of your payments back.
It’s despicable that vulnerable people and their families have been treated in this manner, hopefully the regulation in July 2022 will prevent this from happening again.
I receive no payment for any of the work that I do. If you can afford to and would like to donate to keep my blog and campaign going theres a donate button at the top and side of this article.
I really couldn’t do this without your help because I’m on a very low income.
A huge thank you to everyone that has and does support my blog and campaign, I’m truly grateful and I couldn’t do this without you.
The Lloyds Bank Foundation have expressed concerns about the way the DWP (Department of Work and Pensions) recovers debts from claimants when they start claiming UC (Universal Credit)
The Foundation have issued a report earlier this month (May 2022) warning that automatic deductions recovered from UC payments are at the time of writing, leaving more than 2 million people already living in poverty, unable to afford basic necessities such as food, gas and electric. This therefore and drives them further into debt and poverty.
The Foundation report discloses that 44% of all UC claimants have money automatically deducted, the amount averaging £78 a month being taken. It also notes that many Universal Credit claimants are also having much larger deductions taken from their monthly payments.
Amongst the deductions are the advance payments given to UC claimants given to them whilst waiting five weeks for their first payment.
To add to this millions of new UC claimants find that they are unknowingly forced to pay back supposed Tax Credit overpayments that had occurred years earlier which were caused by an official error and no fault of the claimants.
The Lloyds Bank Foundation have therefore called for historic debts to be stopped and any advance payments changed from loans to grants and affordability checks to automatically be made before any deductions are taken from Universal Credit and other benefits.
It’s doubtful that the DWP will listen to any of the report or making changes based upon its recommendations in the future.
Please read, share, tweet and email my blog posts, this helps to raise awareness of the unfairness of the DWP system.
I don’t receive any payment for the work that I do. If you can afford to and would like to donate there’s a donate button at the top and side of this blog post.
A huge thank you to everyone that reads, supports my blog and campaign and shares my articles. I couldn’t do this without you.