During the CSR, George Osborne announced that he would be time-limiting ESA (Employment Support Allowance, previously Incapacity Benefit) to one year. This means, that anyone with a working partner found capable of doing any kind of work at all will only receive state support for one year. Once that year is up they will receive no help at all, a loss of £4661. This is three times as much as higher rate taxpayers will lose in child benefit.
Under the much tougher assessment system of ESA, just 7% of those with an illness or disability are being found incapable of working at all, so it doesn't take a mathematician to realise that most people with long term illnesses such as Parkinson's, Cancer, Bowel Disease, Lupus, Kidney failure, Heart disease, MS, Rheumatoid Arthritis, Mental illness, Lung disease and many, many more are being found "Fit to Work". These work assessments have been found "unfit for purpose" by Compass, the Citizens Advice Bureau, the professor who designed the system and even the government's own advisory committee.
Extraordinarily, this is a cut that will only affect WORKING couples and families. It will only affect households who have had to suffer the misfortune of someone becoming too ill to work. If they have a working partner they will lose every penny.
This is why I oppose time limiting ESA.
ESA is a contributory benefit. We all pay National Insurance. We pay 11% of our wages every month for this insurance. (Next month it goes up to 12%) This is not an inconsiderable amount! 12% a month every month for years and years.
One of the covenants of this insurance is that you will receive a modest payment if you become too sick to work. (ESA is £388.45 a month.) If you have a working partner, then it is the only income you receive. You have to pay for prescriptions and medical aids and travel. You get no housing benefit or council tax benefit, £388.45 is your total payment from that vast insurance fund we all pay into.
ESA is by no way imaginable a "lifestyle choice". You cannot live on £388.45 a month. You are a drain on your family. The state acknowledges this in a modest way but by no means makes life so comfortable that you don't want to work if you could.
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I worked for nine years. I have a degree and nearly killed myself trying to forge a career in the face of terrible illness. In the end I had no choice. Working was killing me. Friends and family pleaded, begged even, but it took me a long time to accept that I could no longer work. Giving up on my hopes and dreams was the single hardest thing I ever had to come to terms with.
We had our own house for years - a beautiful beamed fisherman's cottage by the sea - but we had to sell it before it was repossessed, as our income fell from £46,000 a year to 21k a year. The equity we did manage to save is eaten away a little every month as we have to make up the shortfall in our income. But we are trapped. I can't work. More accurately, no-one will employ me.
My husband Dave is my carer and has to support us financially whilst coping with the trauma my illness brings into our lives and the lives of our children. Partners like Dave, who are carers too, often need to take lower paying jobs to look after us, jobs where they can work 9 to 5 and get time off at very short notice. Their careers suffer too.
I've lost count of the times people have urged him to give up work too, begged him to stop stretching himself so thin. Dave has had two breakdowns trying to hold our family together, but for him, working is the most important thing he can do for us. It gives him pride and it stops us all from feeling like total and utter failures.
For my family (and DWP estimates show that another 700,000 families like mine will be affected) the impact of losing that £388.45 a month will be devastating. We already live below the official poverty line and can't pay our bills.
Soon we will have no savings left and taking away £4,661 a year from us will mean we lose everything. As I mentioned, it is three times more than higher rate tax payers will lose in child benefit yet this is a cut that will affect some of the poorest households in Britain.
My family would end up costing the state 5 times more in total than we do now (around 26,000 a year) just because it will force us to give up on the idea of work. We never wanted it to be that way. We wanted to remain a working family. We wanted to pay our way, but the assessments failed us and successive "policies" failed us and now the cuts will fail us. This one policy alone - time limiting ESA for working couples or families -will fail us so spectacularly that it will bankrupt us. We will become entirely dependent on the state for everything.
That's why our partners often keep working, despite it being 100 times harder than giving up. We don't want to become 100% dependent on the state.
Remember, this cut ONLY affects WORKING couples or families who have had the misfortune of someone becoming too ill to work. It is a disincentive to work that goes against everything the coalition says they want to achieve.
I urge all politicians from every political party to reconsider time limiting ESA. ** Please help me by sending this to your MP here http://www.theyworkforyou.com/
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As ever, the Broken of Britain have a wealth of great information and advice on the next steps here : http://thebrokenofbritain.blogspot.com/2011/03/where-do-we-go-from-here.html
As ever, the Broken of Britain have a wealth of great information and advice on the next steps here : http://thebrokenofbritain.blogspot.com/2011/03/where-do-we-go-from-here.html