Policy in Practice were a pleasure to work with and we would definitely work with them in the future.
Universal Credit and Financial Resilience
Supported by the Joseph Rowntree Foundation, this Universal Credit analysis identifies 7 factors that determine a household’s ability to cope with the transition to Universal Credit. We find that at least 3.3 million households, or 71% of the cohort yet to move to Universal Credit, will face at least one of these challenges. But these factors can often interact and overlap. In addition, we find that at least 1.2 million low-income households, around 26% of the cohort yet to move onto Universal Credit, will face two or more of these challenges. We give 4 recommendations that Government should adopt now: a targeted grant in place of the Universal Credit advance payment, two-week run-on of Child Tax Credit, fortnightly payments of Universal Credit and greater flexibility in processes.
White paper: Migration to Universal Credit
This white paper collates previously published analysis and commentary covering some of our work on natural and managed migration to Universal Credit to date. The Guinness Partnership, a Policy in Practice client, is one of a handful of housing providers taking part in the managed migration pilot in Harrogate. A guest blog post, kindly written by Michelle Birley, Customer Support Manager at The Guinness Partnership, titled How Universal Credit Impacts Our Customers And Business, is reproduced here too, along with a case study about how our software helps.
The impact of welfare reforms on child vulnerability
Policy in Practice was asked by the Children’s Commissioner to use local authority held household level data to assess the impact of Universal Credit and associated welfare reforms will have on children in low-income households. Our analysis showed a dramatic increase in child vulnerability as a result of welfare reforms.
In addition, we found that the introduction of Universal Credit, the two child limit to benefits and the Benefit Cap combined has meant that the number of low-income families who are struggling to make ends meet has jumped from 13% to 25%. Further, the cumulative impact of welfare reforms is considerably greater than the impact of each reform in isolation, affecting 48% of households who lose £3,441 on average per year.
Evidence submission to Work and Pensions Committee: Natural migration to Universal Credit
Policy in Practice was commissioned by the Work and Pensions Select Committee to examine the impacts of managed migration onto Universal Credit. The Committee was especially interested in households who lose support when they ‘naturally’ migrate from the legacy benefit system to Universal Credit as a result of changes to their circumstances.
Autumn Budget 2018 analysis
Policy in Practice analysed the impact of the budget changes. Our analysis found that almost 250,000 low-income households would move from being worse off under Universal Credit, compared to legacy benefits, to being better off as a result. We also found that Universal Credit does not appear to have a statistically significant impact on employment rates. That said, there is more evidence that any significant impact is more likely to be positive rather than negative.
Evidence to the London Assembly: The impact of Universal Credit on the self-employed
On 20 November 2018 the London Assembly Economy Committee met to look at the impact of Universal Credit on self-employed Londoners. Zoe Charlesworth, Head of Policy, and Dr Ben Fells, Senior Analyst, Policy in Practice, gave evidence to the committee.
Policy in Practice has previously presented evidence on the impact of Universal Credit on the volatility of self-employed earnings, and the introduction of the surplus earnings provisions under Universal Credit. For this analysis we concentrated on other impacts; household income, the 2018 budget provision, and the opportunity for targeting of support to affected households. This briefing note summarises some of the key points presented to committee members.
Response to SSAC Consultation: Managed migration onto Universal Credit
In August 2018 we submitted evidence to the Social Security Advisory Committee (SSAC)’s consultation on proposals for moving all existing claimants of a working age income-related benefit to Universal Credit.
We argued that the choice is between delivering a generic managed migration process to all households, versus a much more tailored, personalised approach. We said this opportunity to engage households should be seized, with the ambition not only to help people onto Universal Credit, but also to help people take steps toward independence.
Universal Credit: making it work for supported housing residents
As Universal Credit full service is rolled out, supported housing residents are having to make and manage a Universal Credit claim for their personal needs. Riverside, YMCA, St Mungo’s, and the Salvation Army jointly commissioned Policy in Practice to investigate how Universal Credit would need to be adapted to work in practice for residents in short-term supported housing. Policy in Practice has undertaken qualitative analysis, a review of relevant literature and a series of discussions with providers, tenants, welfare experts and government officials.
Low Income Londoners and Welfare Reform
With support from Trust for London Policy in Practice has carried out pan-london analysis of living standards, tracking 600,000 low income families across 19 London boroughs over two years. Over 550,000 adults and 350,000 children live in these households, representing 27% of the overall population living in these boroughs. The work is unique in its use of large scale administrative data, linked over time, and its ability to look forward at poverty projections for individual households. We aim to understand the causes and consequences of poverty.
Wave One, comprising Phases One, Two and Three, is now complete. Wave Two commences shortly. See which London Boroughs are taking part and get involved here.
Oral evidence to Work and Pensions Committee: Impacts of the Benefit Cap
Giovanni Tonnutti of Policy in Practice presented to the Work and Pensions Committee on the impacts of the Benefit Cap. We also released a press statement that half of households are failing to escape the Benefit Cap. Our Low-Income Londoners study found that for every claimant who managed to move off the cap, there is more than one household who is stuck under the cap for six months or longer.
The implications of Universal Credit for people living with motor neurone disease (MND)
The Motor Neurone Disease Association (MND Association) is interested in the impact that Universal Credit will have on people living with motor neurone disease (MND). Policy in Practice has been commissioned to carry out this research and present the findings in a report.
The report provides a background to Universal Credit and looks in-depth at those elements of Universal Credit that bear most relevance to people living with MND. It examines the Universal Credit claim process, highlights how this differs from legacy benefits, and the resulting impacts on those living with MND. The report makes recommendations that would assist the customer journey for those with MND.
Illustrative case studies that link to the Policy in Practice Benefit and Budgeting Calculator, that enable further modelling of benefit awards for those with MND, are also included.
Consultation response: Eligibility for free school meals and the early years pupil premium under Universal Credit
The Government recently proposed new criteria for eligibility to free school meals under Universal Credit. We welcome both the commitment to ensuring that free school meals are maintained for those on the lowest incomes, as well as the protection measures proposed for those that lose eligibility. However, it is our view that the proposal, as it stands, does not meet the objectives of Universal Credit which is to make work pay. Our consultation response set out our main reservations about the current proposal, together with a suggested solution.
Autumn Budget 2017: Briefing option papers on Universal Credit
The briefing papers were created with feedback from practioners and analysis by Policy in Practice. The options in the papers were discussed with DWP and offer a range of suggestions that would ease the transition for the seven million households who will be receiving Universal Credit in the coming years.
Credit where it’s due: overcoming the barriers to mainstream credit with data
Lenders could consider lower income families for a loan if they had access to additional information on earnings and payment history, collected by government. Policy in Practice has been commissioned by the Financial Inclusion Commission to investigate how public sector data can be used to widen access to mainstream credit, and improve the credit files of those who may be at risk of financial exclusion.
The cumulative impact of welfare reform: a national picture
The cost of poverty for local authorities is set to rise as the welfare reform programme continues and more people on low incomes will be in need of support. Policy in Practice has analysed the cumulative impact of welfare reform across Great Britain for the Local Government Association. In light of the complex changes introduced, this work shows the overall impact on local populations and highlights the key challenges for local authorities.
The impact of the two-child limit to tax credits
From Thursday 6 April 2017 the amount of Child Tax Credit support available to families across the UK will be limited to two children. Policy in Practice analysed the impact of the two child limit to tax credits rule coming into effect and we find that, from April, a third child born to low income families will miss out on up to £2,780 of tax credit support a year. This change will affect 8,000 families each month. The two child limit to tax credits measure will affect all households with two or more children that have an additional baby after this date. This report details further findings and the methodology used.
Financial Inclusion: Improving the financial health of the nation
Policy in Practice supported the Financial Inclusion Commission to produce a report of its findings. Financial Inclusion: Improving the financial health of the nation brings together the evidence the Commission has gathered from around the country. It identifies the progress made toward financial inclusion as well as the significant gaps that remain and the challenges ahead. The report also sets out a vision for a financially inclusive society and makes recommendations on what steps need to be taken to make this a reality.
Universal Credit: Towards an effective poverty reduction strategy
This comprehensive review of Universal Credit finds that Universal Credit will help to reduce poverty through more money in people’s ‘pockets’ and improved ‘prospects’ upon entering work. The report recommends short, medium and long term reforms to Universal Credit to make the policy truly transformative. It was written by Deven Ghelani and Lisa Stidle and supported by the JRF.
Benefit Cap white paper
Policy in Practice’s Benefit Cap White Paper details the approach pioneered by Lewisham Council to help their residents who are impacted by the Benefit Cap, illustrates how the approach is having a real impact on people’s lives, and shares key lessons for other local authorities.
The right start: How to support early intervention through initial contact with families
The Children’s Society worked with Policy in Practice to produce a ‘how to’ guide to sharing live birth data and principles of a data-sharing agreement which can be adopted and implemented by local authorities.