Department for Work and Pensions 1 Welcome Welfare Reform ~ The Way Forward.

Department for Work and Pensions1

Welcome

Welfare Reform ~ The Way Forward


• DWP ~ Working “As One”

• Jobcentre Plus Offer

• Welfare Reform

• Digitalisation

Today’s Agenda


• Work Programme – payment by results • Universal Credit 12 million in 8 million households• Pension Reform 12 million people• Personal Independence Payment 3.2 million• IB to ESA Migration 2.6 million people• Benefit Cap 142,000 people• Digital services the norm

The Scale of the Changes


• Jobcentre Plus and The Pension Disability & Carers Service no longer have ‘Agency’ status. DWP has implemented a simpler corporate structure• New single Operations directorate• Jobcentre Plus and the PDCS brands remain

One DWP


• Receive over 294,000 telephone calls.• Take an average of over 15,000 new job vacancies • Conduct 88,000 Jobcentre Advisor interviews• Process over 19,000 new working age benefit claims • Prepare to prosecutable standard, 50 cases for benefit fraud.• Receive over 820,000 job searches for Jobcentre Plus job vacancies using the Directgov website. • Help an average of over 6,600 customers moving into work • Process over 1,600 claims for Attendance Allowance, over 3,300 claims for DLA and over 1,100 Carers Allowance claims.• Process over 1,000 claims for Pensions Credit and over 2,600 claims for State Pension.• See over 2,100 customers face-to-face in their home or in a place convenient to them.• Expect to issue over 2,900 pension forecasts on request.

Every working day, DWP…”


Jobcentre Plus Offer• Pre Work Programme Measures• Work Clubs & Enterprise clubs• Work Together• Work Experience• New Enterprise Allowance• Sector Based Work Academies• Mandatory Work Related Activity• More Frequent Attendance• Skills Conditionality• European Social Fund Support for

Families• Increased support for 16-17 year olds

and the Youth Contract• District Manager’s Flexible Support

Funds

• Work Programme• Mandatory for customers on• Jobseekers Allowance• Employment & Support Allowance

(Work Related Activity Group, 3 and 6 month prognosis) according to health condition

• Voluntary for customers on• Employment & Support Allowance

(WRAG, 12 month prognosis and Support Group)

• Income Support /Incapacity Benefit (Funded by European Social Fund)

• Work Choice / Access to Work


The Youth ContractObjectives of the Youth Contract are:

– To ensure that every young person who needs it is offered support to move them closer to, or into work (increasing benefit off-flow rates);

– To give young people the skills to compete in a global economy (getting them into work sooner);

– To encourage employers to inspire young people and recruit them into real, long term jobs (increasing the average time in employment);

– To promote claimants’ personal responsibility by introducing increased activity for those who do not engage with other support


The Youth Contract – What’s Available

• 160,000 Wage Incentives worth up to £2,275 each, for employers who employ an 18-24 year-old from the Work Programme

• An extra 250,000 voluntary Work Experience and/or sector-based work academy places

• Extra adviser support through Jobcentre Plus

• An opportunity to have a careers interview delivered by the National Careers Service within the first 3 months of a claim

• An expansion of the current Mandatory Work Activity programme

• An extra 20,000 Employers Apprenticeship Incentives for 16-24 year olds, taking the total to 40,000 in 2012/13

• A new programme to support the most vulnerable NEET 16 & 17 year olds


Welfare Reform Act

• Universal Credit

• Personal Independence Payment

• ESA time-limiting

• Benefits cap

• LP obligations

• Social Fund changes

• Housing Benefit changes

• State Pension Single tier


Universal Credit


Why do we need Universal Credit?

• We are simplifying a complex system of multiple benefits:

– the current system has over 10,000 pages of guidance for advisers and 301 different combinations of benefits

– It will replace a range of Working Age benefits

– it is expensive to administer

• We are making work pay:

– more help for low income working families

– claimants will keep more of what they earn

– improving incentives to increase hours of work

– simplified system will make moving to work feel less ‘risky’


Universal Credit

Simplifying a complex system

JSA Income related ESA Income related

Income Support Working Tax CreditsChild Tax CreditsHousing Benefit

Pension Credit, Child Benefit, Carer’s Allowance (will remain)

Contributory JSA and ESA (still considering how these will work)

Council Tax Benefit (DCLG still considering how this will work)

Of the current system



Making work pay

• The Government wants families to be able to manage their affairs in a manner that best reflects the demands of modern life, whether in or out of work.

• A key aspect of Universal Credit will be that it should mimic work and the receipt of a salary, to be paid calendar monthly.

• Universal Credit is designed to ensure that it is always worth working by allowing people to keep more of their benefit in the transitional period back to work.

• Actual rates and tapers to be decided by Autumn 2012.

“Universal Credit will mean that people are consistently and transparently better off for each hour they work and every pound they earn”Iain Duncan Smith, Secretary of State for Work and Pensions


It pays to work

200

100

0100

£100

£500

£400

£300

£200

£100 £300£200

£0

£400 £500

Universal Credit payment

Total in-pocket income

Universal Credit: lone parent with two children

£600 £700

Earnings

Income


It pays to work - Real Time Information (RTI) system

Universal Credit payments will be reduced in stages, taking actual earnings into account at the time they are received.

A Real Time Information (RTI) system being brought in by HMRC will support this, changing the way an employer notifies their employee’s earnings.

• HMRC are working with Payroll Software manufacturers to help make RTI as easy to use as possible.

• The pilot with employers using RTI starts in April 2012 - building up gradually to 300 employers during May and June 2012.

• A further 1,300 volunteer employers joining the pilot July – Sept 2012 and up to 250,000 employers will be submitting RTI by March 2013.


Key datesAPRIL 2013

OCT 2013

APRIL 2014

2017

Testing Period

New claims from unemployed claimants start

New claims from in-work claimants startManaged migrations start

Managed migration activity completed


Helping disabled people live full, active & independent lives.

An introduction to Personal Independence Payment.


What is changing?• Personal Independence Payment will replace Disability Living

Allowance (DLA) for people of working age from April 2013

• Retains the key features of DLA - non means tested and non taxable payable both in and out of work

• More objective assessment process

• Awards will be based on the:

- individual circumstances of the person claiming

- impact of their disability / health condition

- extent to which they are able to live independently and participate in society


Why is it changing?

• DLA has been in place for almost 20 year largely unchanged

• Personal Independence Payment will better reflect today’s understanding of disability which has changed a lot in 2 decades

• DLA was:

– Unsustainable in the long term

– Complex and confusing

– Used little independent evidence

– Had no systematic review to make sure an award still met the claimants needs


When will it change?

Personal Independence Payment is being introduced in stages:

• April 2013: Initial pilot testing, although not in Devon and Cornwall

• June 2013: We plan to take new claims from all claimants in all parts of the country

• Jan 2014: Full national reassessment likely to begin

• March 2016: All current DLA claimants of working age will have been contacted about claiming Personal Independence Payment


What is PIP made up of?

Personal Independence Payment is made up of:

• A Daily Living component

• A Mobility component

Awards will be made up of one or both of these components.

Each component will have two rates:

• Standard

• Enhanced

The amount for each rate is still to be decided.


How will assessment work?

• Assessment for Personal Independence Payment will involve health professionals considering the evidence provided by the claimant and any professional that may support them on a regular basis.

• Most people will also be asked to a face to face consultation with this health professional as part of the claim process

• The health professional will provide advice to a benefit decision maker at the Department for Work and Pensions

• The benefit decision maker will then use all of this information to decide your entitlement to Personal Independence Payment


What the criteria will look like?

The assessment criteria will:

• be more transparent and objective

• assess disabled people as individuals

• focus on the impact that their health condition or impairment has on their daily lives

• consider the individual’s ability to carry out key everyday activities

• take account of physical, sensory, mental, intellectual and cognitive impairments and developmental needs

• reflect variable and fluctuating conditions


What’s the impact on other benefits and services?• We intend to maintain existing passporting arrangements

wherever possible

• Motability: we are still considering how Personal Independence Payment will provide access to the Motability scheme.


What consultation is happening?

• We are currently asking for views on the new entitlement criteria for the benefit. The consultation document and other information about the assessment criteria can be found www.dwp,gov.uk/pip

• A formal consultation on the draft Regulations starts on the 26 March and runs until the end of June. These set out the detail of how PIP will work.

• At a local level you can help us by telling us how you and your clients like to receive information


Employment Support Allowance


Employment Support AllowanceChanges

12 month limit for ESA (contribution based)

Makes ESA more consistent with JSA

Came into effect on 30 April 2012

Estimate that 60% of those affected will be eligible for ESA (Income based)


Benefits Cap


Benefits Cap

• April 2013 the Government will introduce a cap on the total amount of benefit.

• it is estimated that it will be set at £500 per week for families and at £350 per week for single adult households without children

• 44% of households are in the Social rented sector

• 69% of households have 3 or more children

• 63% of households in London and South East

• Affect 750 households across Devon and Cornwall


Benefits Cap

The cap will apply to the combined income from the main out-of-work benefits

(Jobseeker’s Allowance, Income Support, and Employment and Support Allowance except when the Support Component is in payment);

• Universal Credit (from October 2013)

• Housing Benefit;

• Child Benefit

• Child Tax Credit; and • Other benefits such as Carer’s Allowance.


Benefits Cap ExemptionsThe following households will be exempt from the cap:• Those entitled to Working Tax Credit

Those in receipt of:• Disability Living Allowance• Personal Independence Payment (from April 2013)• Attendance Allowance• The support component of ESA• Constant Attendance Allowance• Industrial Injuries Disablement Benefit• War Widows and War Widowers pension

Claimants who have been in employment for 52 weeks or more whenthey claim benefit will be exempt from the cap for up to 39 weeks


Lone Parent Obligations


Lone Parent Obligations• Lone Parents will no longer receive Income Support solely on the

grounds of being a Lone Parent

• This will be rolled out as follows and will extend jobseeking support to more lone parents.

From 21 May 2012 for new & repeat claims those with youngest child aged 5.

From 21 May 2012 existing lone parent customers with youngest child aged 6 will begin to lose their IS entitlement.

From 20 August 2012 for existing IS claims based solely on being a lone parent where youngest child is 5.

Informing customers by letter from 22 March.

Work Focused support also available for those on IS.


Social Justice


The Social Justice Strategy

• The Social Justice Strategy launched on 13 March sets out the Government’s commitment to:

• support the most disadvantaged individuals and families to turn their lives around – and outline progress under this Government

• drive innovation in delivery: social investment, payment by results, open commissioning, local autonomy

• support local leaders in taking forward the principles set out in the strategy

• set a direction for the Parliament

• [email protected]

mailto:[email protected]


Social Justice Strategy: Principles

Social justice is about giving individuals and families facing multiple

disadvantages the support and tools they need to turn their lives around

A new set of principles that inform the approach:

1. A focus on prevention and early intervention

2. Where problems do arise, a focus on recovery as the primary aim

3. Promoting work as the most sustainable route out of poverty

4. Encouraging innovation in the commissioning, funding and delivery of services

5. Recognising the role of local Government, the voluntary and community sector and grassroots delivery in offering the most targeted support

6. Empowering people and communities to take a greater responsibility for the services they use

7. Ensuring that interventions provide a fair deal for the taxpayer


Social Justice

• The Government has recently published a Social Justice strategy paper “Social Justice: Transforming Lives”

• It aims to support individuals and families facing multiple disadvantages

• It focuses on tackling the root causes of problems• It aims to harness the power of local and community

leadership• [email protected]



Social Fund Changes


Social Fund Changes

There will also be major changes to the current Social Fund with much responsibility for delivering transferring to local authorities


Social Fund Reform

The Social Fund is not closing as the regulated fund will continue payments for maternity, cold weather/winter fuel heating and funeral expenses.

Universal Credit will provide a better service with payments on account, supporting many people in need of short and longer term credit facilities.

Community Care Grants and Crisis Loans will be replaced by Local Welfare Provision delivered by local authorities in England and the devolved administrations in Scotland and Wales.


Short Term Advances

Short Term Advances of benefit will replace Social Fund Crisis Loan alignment payments and interim payments of benefit from April 2013 for all benefits.

This will ensure that those facing immediate financial need when making a new benefit claim or following a change of circumstances continue to have access to some funds.

It is likely that claimants will be required to repay a Short Term Advance over a reduced period of time, when compared to Crisis Loan alignment payments.

Short Term Advances will be an advance of benefit and not a loan.


Budgeting Loans

Budgeting Loans are intended to help claimants with intermittent expenses such as needing to buy essential items like furniture, household equipment or expenses related to starting work. Once all claimants have migrated to the Universal Credit platform, Budgeting Loans will no longer be available.

To retain the protection currently available to benefit claimants via the Social Fund : • Budgeting Advances will replace Budgeting Loans for Universal

Credit claimants from 1st April 2013. • Budgeting Loans will continue for legacy benefit claimants yet to migrate to Universal Credit.


Budgeting Loans

BUDGETING LOANS BUDGETING ADVANCES

Budgeting Loans can be “topped up” to the maximum so long as a certain amount has been repaid.

Only one Advance at a time. No further Advances until it is repaid in full.

Repaid over a period of up to 104 weeks, although often less.

Repaid over a maximum period of 12 months.

Is a Loan paid out of the Discretionary Social Fund.

Will be an Advance of benefit in Universal Credit.


Implementation timeline

April 2013 – Community Care Grants and Crisis Loans will be abolished. Replacement local welfare provision will be implemented. Alignment payments and Interim payments will be replaced by Short Term Advances of benefit.

October 2013 – the introduction of Universal Credit. Introduction of Budgeting Advances for eligible Universal Credit customers to replace Budgeting Loans. However, this will be introduced from April 2013 in Pathfinder areas.

2013 to 2017 – Budgeting Loans will remain for those receiving legacy benefits until Universal Credit is fully rolled out and all customers migrate across to Universal Credit. Budgeting Advances will replace Budgeting Loans for Pension Credit customers during this time.

Information correct at 12 March 2012

Localisation of the Social FundLocalisation of the Social Fund

Cornwall CouncilCornwall Council


• From April 2013, the Government are abolishing the current system of Discretionary Payments from the Social Fund. In their place, in England, will be a new local provision provided by Local Authorities to replace Community Care Grants and general living expense Crisis Loans.

• Social Fund scheme currently includes a regulated scheme made up of:

• Sure Start Maternity Grants• Funeral Payments• Cold Weather Payments• Winter Fuel Payments

• And a discretionary scheme made up of:• Community Care Grants • Budgeting Loans • Crisis Loans

The ChangesThe Changes


The ReformsThe Reforms

• Community Care Grants and Crisis Loans• Community Care Grants and Crisis Loans for general living

expenses (including rent in advance) will be abolished from April 2013 and replaced by new local provision. The new provision will be administered by local authorities in England and the devolved administrations in Scotland and Wales.

• Crisis Loan Alignment Payments• From April 2013 Crisis Loan alignment payments and other

Crisis Loans paid due to issues with benefit will be replaced by a new national scheme of Short Term Advances. This will be administered by the Department for Work and Pensions.

• Budgeting Loans• Budgeting Loans will continue to be available until Universal

Credit is fully rolled out. As people migrate across to Universal Credit they will have access to a new system of Budgeting Advances that will replace Budgeting Loans for Universal Credit recipients.


Social Fund: key messagesSocial Fund: key messages

• The Government supports Local Authorities to design schemes which reflect local needs and priorities. There is no expectation or desire from central government that the new service will mirror the current scheme in whole or in part.

• The Government believes these services can be more effectively run locally where they are linked to other support services.

• The Government would encourage Local Authorities to utilise existing delivery mechanism and structures

where possible.


DeliveryDelivery

• How are Cornwall Council thinking of delivering this new local provision?

• DWP have held a series of workshops with LA’s around the

country to consider how transferred funds can be used to best effect to support the most vulnerable from April 2013.

• There appear to be four main design options that most LA’s are considering:

Align & combine the funding to existing services & duties,

Contract with new or existing external partners,

A mixture of the above,

Create a new service.


Delivery

Within this, four main delivery options are being considered:

• Cash grants,• Goods instead of cash,• Vouchers or coupons,• Mixture of the above,

• Each Local Authority will be provided with indicative figures for their Programme Funding shortly via a Settlement Letter sent to their Chief Executive Officer. This funding is based on 2005/06 spend for Cornwall = circa £890K (2009/10 spend £1.1m).

David Frankcom

Training & Procedure Officer (Shared Services)

An overview of the Housing Benefit and Council Tax Benefit changes for 2013,

& beyond.

An overview of the Housing Benefit and Council Tax Benefit changes for 2013,

& beyond.


Summary of the changesSummary of the changes

1.Council Tax Benefit to be replaced with a local scheme,

2.Local Housing Allowance rates to be uprated by Consumer Price Index (CPI),

3.Size restrictions will be introduced in the Social Rent Sector,

4.Household Benefit Cap,


Local Council Tax schemeLocal Council Tax scheme• Local scheme will start on 1 April 2013,

• Funded by a fixed grant payment,

• Grant will be 10% less than current cost of Council Tax Benefit,

• No change to pensioners current level of award,

• Scheme must have regard to vulnerable groups (i.e. young children, disabled, etc, - NB; these groups will be defined by the LA),

• Schemes need to support work incentives,


Impacts of the CouncilCouncil Tax schemeImpacts of the CouncilCouncil Tax scheme

• The Council will be consulting widely on its proposed scheme over the coming months,

• Customers will have around 6 months to consider the impact of the proposed changes and try to adjust their budgets accordingly,

• Interim scheme for 2013 in order to meet

timescales, • Scheme likely to evolve in future years,

• Forecasting demand will be difficult,


• We will be running two schemes – one for pensioners and one for working age,

• 10% reduction, in grant, whilst also protecting pensioners & any vulnerable groups could mean an average cut of around 20% for other customers of working age,

• Working age customers will have little notice once the scheme is finalised in order to adjust their budget,

Impacts of the CouncilCouncil Tax scheme (continued)Impacts of the CouncilCouncil Tax scheme (continued)


Consumer Price Index (CPI) uprating of Consumer Price Index (CPI) uprating of Local Housing Allowance rates (LHA)Local Housing Allowance rates (LHA)Consumer Price Index (CPI) uprating of Consumer Price Index (CPI) uprating of Local Housing Allowance rates (LHA)Local Housing Allowance rates (LHA)

• From April 2012 the LHA rates have been frozen,

• From April 2013 LHA rates will be uprated each year on basis of CPI rather than by reference to local rents,

• From April 2013, therefore, the LHA rates will be set annually at the lower of –

*The previous LHA rate increased by the CPI inflation amount based on the previous September CPI figure,

or *The 30th percentile of local market rents as at the previous September.


Impact of CPI on LHA ratesImpact of CPI on LHA rates

• Customers will need to move to cheaper accommodation or make up the difference from other sources of income,

• Increased demand for social housing if private sector becomes unaffordable,

• Increased hardship – risk of homelessness /

debt,

• Customers reliant on Housing Benefit confined to areas of low rents,


Size restrictions in the Social Rent SectorSize restrictions in the Social Rent SectorSize restrictions in the Social Rent SectorSize restrictions in the Social Rent Sector

• From April 2013 there will be size restrictions for working age Housing Benefit customers in the social rent sector,

• One spare bedroom – 14% reduction in rent allowed for Housing Benefit,

• Two or more spare bedrooms – 25% reduction in rent allowed for Housing Benefit,

• Change doesn’t apply to pensioners,


Size restrictions in the Social Rent SectorSize restrictions in the Social Rent Sector(SRS) - change effect forecasts (SRS) - change effect forecasts (National & Local)(National & Local)

Size restrictions in the Social Rent SectorSize restrictions in the Social Rent Sector(SRS) - change effect forecasts (SRS) - change effect forecasts (National & Local)(National & Local)

**the LA will be working closely with Housing and Registered Provider’s to collate the exact numbers for Cornwall**


Impact of size restriction Impact of size restriction • Higher demand for smaller properties,• Higher demand on homelessness services, as

eviction due to rent arrears will impact on temporary accommodation,

• Increase in transfer applications,• Increase in Discretionary Housing Payment

applications,

LA will be contacting those affected by ‘under occupation’ but awaiting software from Capita.

This is due by mid September and so the LA will be working with its partners to target relevant households during Sept. / Oct.


Household Benefit CapHousehold Benefit Cap• From April 2013 the Government will introduce a cap

on the total amount of benefit,

• Estimated at £500 per week for couples and lone parents & £350 per week for single adult households,

• Local Authority initially responsible for administration as reduction will be applied to Housing Benefit first,

• DWP have already written to identified customers who they think will be hit by the cap & the LA will also be communicating with these people over the coming months,


Household Benefit Cap (continued)Household Benefit Cap (continued)The Government are considering: Transitional arrangements to help families

hit by the cap, e.g. a fund to help with moving costs if they can no longer remain in their home,

A ‘grace period’ of 39 weeks for customers who have been in work continuously for the previous 12 months, paid National Insurance contributions, and who lose their job through no fault of their own,

Exemption for households placed in expensive temporary accommodation by local authority,

Other exemptions, plus transitions and protections may apply,


Impact of Household Benefit CapImpact of Household Benefit CapImpact of Household Benefit CapImpact of Household Benefit Cap

In Cornwall there are approximately 150 households that will be affected by this cap,

Likely to effect larger families or those with high rent,

Increased demand on Discretionary Housing Payments (DHP),

An online calculator is now available to use at www.direct.gov.uk/benefitcap. The helpline number is 0845 6057064

http://www.direct.gov.uk/benefitcap


What can Cornwall Council do to help?What can Cornwall Council do to help?

• LA will be given more money to help through the Discretionary Housing Payment fund, a final figure will be notified at the end of the calendar year,

DHP can be used to fund deposits for moves to more affordable accommodation,

Only enough for short term awards to allow customers to adjust their budget,

Further increase next year to help with Benefit Cap & Social Rent Size criteria,


Contacts:Contacts:

Mark Ransom - Assessment Manager, Shared Services (Assessments)01209 614222. E-Mail ;[email protected]

Housing Benefit (Assessments) Shared Services Team:0300 1234 121. E-Mail ;[email protected]

Housing Advice Team:

0300 1234 161. E-Mail ;[email protected]




Pensions Changes


The Pensions Act

• From April 2016, women's State Pension age will rise faster than originally planned, equalising with men's at 65 by November 2018.

• Between December 2018 and October 2020, men and women's State Pension ages will be increased from 65 to 66.

• Under the current law State Pension age will already increase to:

– 67 between 2034 and 2036

– 68 between 2044 and 2046 … but the government aims to increase the State pension age sooner!


Single Tier Pension

• This will help simplify a complex, means tested system

45% of existing pensioners eligible for Pension Credit

At present it will take decades to yield equal state pension outcomes for women and for low paid workers

• Introduce a flat rate state pension above the basic means tested level – Go Live 2016


Auto Enrolment• Around 7 million people are not currently saving enough for

their retirement and many face significant barriers to starting to save

• Starting from October 2012, millions of workers will be enrolled into a workplace pension. Those working for the largest employers will be enrolled first. Aim is that all firms implement by 1st April 2017.

• Individuals looking for information on what automatic enrolment means for them should go to www.direct.gov.uk/workplacepension

• There is a call centre available for those without internet access.


The Digital Agenda

"The future is bright, but it has to be digital"


DWP - Why Digital?• The world is increasingly digital

• JSA Online, Benefits Adviser Service

• Self Service enables organisations to use their staff where they add most value

We need to be ready, willing and able to support our customers be job ready, stay in work and draw on a network of support


Our Digital ServiceDirectgov

24/7 online service

£ ?Benefits adviser, estimates, ‘what if’ scenarios – already used by 3.2m + customers

Digital claim process including some appointment booking – choice of access e.g. PC, smart phone

Online changes e.g. address, payment method

More vacancies online, digital job alerts, automated job matching

Channel Shift

80% JSA related contacts digitalised

by 2013


And finally…..How we will keep you updated on future changes:

• DWP website: www.dwp.gov.uk;

• Stakeholder Bulletin: www.dwp.gov.uk/adviser/dwp-stakeholder-bulletin/,

• And, by distribution:

Southern England Group

NEWS

Update 8

Southern England Group

NEWS

Update


Key DatesApril 2012 ESA (C) WRAG time-limitingMay 2012 Lone Parent IS Entitlement changes (New / Repeat)

August 2012 Lone Parent IS Entitlement changes (Existing)

April 2013 Benefits CapSocial Fund ReformUniversal Credit pathfinderPersonal Independence Payment (PIP) pathfinder

June 2013 PIP New ClaimsOctober 2013 Reassessment of DLA claims begins

April 2014 Universal Credit (start transfer of existing claims)Incapacity Benefit reassessment complete

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Department for Work and Pensions 1 Welcome Welfare Reform ~ The Way Forward.

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