Tag Archives: nervous

If Tories don’t support abusers, why does Universal Credit push people to stay in abusive relationships?

Abuse: the Tories have ensured that people can’t escape if it means claiming Universal Credit. That way lie only debt, depression and mental breakdown.

Twisted Tory rules mean that people are financially encouraged to stay in abusive relationships rather than claim Universal Credit.

The Conservative government has deliberately weighted the conditions under which the so-called benefit is paid to make it more difficult for people to survive by claiming it than by living with an abuser – even if this means endangering their own lives.

People with disabilities are particularly at risk. But then, those of us who are familiar with the Tory record on disability have come to expect that.

Unite the Union has provided the story of Emma (not her real name), who lived a life of psychological abuse, control and marital rape until she was helped to divorce her husband and strike out on her own.

She did not think there would be any hardship as her husband, it seems, was a genuine skiver who refused to work, meaning she had been the main earner – despite being able to work only 24 hours per week, due to a serious autoimmune disease.

But the Tories made sure she would suffer.

Previously, as a working person, she had been receiving tax credits, and would have been better-off had she continued to do so.

But the Tories used her change of circumstances to force her onto Universal Credit, leaving her £350 per month worse-off.

There are several reasons for this:

The disabled worker allowance she used to receive under tax credits was stopped. This is because the allowance can only be accessed through a work capability assessment, which grants benefits to people unable to work, rather than for disabled people who can work.

The Citizens Advice Bureau has stated that this has resulted in a Catch 22 where “a worker must be assessed as not fit for work to receive targeted in-work support”.

Have you ever heard of anything as flat-out daft?

I bet if anyone tried to point it out, they’d have to fight an expensive court case before the Tories did anything about it, too.

Worse still, Emma ran into a problem that has now been challenged in court, with a ruling made against it:

Her wages are paid on the last Wednesday of every month rather than on the same date. This resulted in her claim being cancelled and her payments being stopped for three months. She was also ineligible to claim her entitlement back for the month in which the claim was ended.

This is a widely experienced problem for Universal Credit claimants whose regular wages are paid on different days each month and stems from an ill-considered policy stipulation that the benefit amount is calculated to a strictly defined time period.

Now Emma is among 85,000 people who should be able to claim compensation, after the Court of Appeal have ruled that it was “irrational” for the Department for Work and Pensions – and the Secretary of State in particular – to ignore the fact that computer systems would assume that claimant had received double the money expected and cancel their payments.

The Conservative government spent two years fighting this court case – indicating that, despite being well aware of the issue, Tories were determined to continue depriving some of the poorest workers in the UK of vital benefits – including victims of outrageous domestic abuse like Emma.

I asked in my previous article about the court case whether the Tories were sadists or perverts, commenting that “perverts” seemed closest to the mark as one of the judges had described the situation as “perverse”.

Considering Emma’s case, it seems they were sadists as well.

The court ruling came too late for her, by the way – forced into an ever-mounting debt crisis with not even an offer of support from the Department for Work and Pensions, the weight of a life suffering abuse came crashing over her and she suffered a nervous breakdown.

She is now diagnosed as suffering with Post-Traumatic Stress Disorder (PTSD), anxiety and depression.

After 22 years as a healthcare professional in which she had always paid her bills, taxes and pension contributions, she now says she is “mortgaged up to the hilt… living off a credit card and have taken out two personal loans”.

So Universal Credit has put Emma exactly where the Tories want her – deeply in debt and forced to work like a beast of burden in the forlorn hope of clearing that debt again.

Consider the fact that 85,000 people are likely to have been put in the same situation by the ‘pay date’ scandal alone – never mind those who lost the disabled worker allowance, and it seems clear that the Tories are trying to create a “zombie economy” – with working people forced to wear themselves out trying to pay off an impossibly-high debt while their creditors sit back and count their profits.

It seems a limited amount of help is available for people who have suffered domestic abuse – but anyone seeking it must provide “written evidence” (of what kind?) within one month of discussing it with a work coach.

Emma is clear about the end result:

“Had I known that I would lose my tax credits and be transferred to Universal Credit before I separated from my ex-husband, I most definitely would have remained in the marriage and that is a worrying thought.

“Universal Credit, I believe, traps people in unhealthy relationships and causes more difficulties to individuals who are already in a vulnerable and distressing situation.”

So much for Iain Duncan Smith’s brainchild.

The only way for vulnerable people like Emma to avoid its debt trap is to go back into domestic degradation and abuse.

And the only conclusion we can draw is that Conservative politicians have designed the system to achieve this.

So it would be fair to say the Conservative government – and every MP who is a member of it – in league with the worst kind of physical, psychological and sexual abusers.

If they try to deny it, let them explain why they designed Universal Credit that way – and why they fight court cases to keep it that way.

Source: Domestic abuse survivor speaks out about Universal Credit nightmare

Have YOU donated to my crowdfunding appeal, raising funds to fight false libel claims by TV celebrities who should know better? These court cases cost a lot of money so every penny will help ensure that wealth doesn’t beat justice.


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Are British workers being lured into health insurance that will never pay out?


Working people in the UK could be facing a huge drain on their income, if they join an insurance scheme being offered by a discredited American firm.

It seems that the company behind the hated Work Capability Assessment that has denied disability benefits to thousands of genuinely sick and disabled people, has begun a mass-marketing campaign to encourage able-bodied members of the British public to invest in ‘Income Protection Insurance’, and another scheme known as the ‘Back-up Plan’.

This insurance scheme is only available via the workplace, and it is understood that it has been designed to ensure that the company can resist paying out whenever a claim is made.

In other words, if you join the scheme, you will be giving away your money to a criminal firm. If you become ill or suffer disability in the future, you will not receive a single penny of the insurance money that is due to you.

That is the allegation against Unum Insurance, the American giant that has spent more than two decades advising successive British governments on how to avoid paying sickness and disability benefits to the most deserving claimants in our society.

If you have been contacted in the workplace and offered a chance to take out this insurance, please get in touch. Your experience of this system and insights into its operating procedures could be invaluable.

For those who don’t know the Unum story, you can read some of it here. Unum’s bosses devised their current system to combat the rise of ‘subjective’ illnesses such as ‘chronic pain’, ‘chronic fatigue syndrome’, fibromyalgia, multiple sclerosis, Lyme disease.

The solution devised by the bosses was to reduce the number of successful claims it paid out, by aggressively disputing whether the claimant was ill. So the company skewed its medical examinations to its own favour by questioning illnesses that were “self-reported”, labelling some disabling conditions as “psychological”, and playing up the “subjective” nature of “mental” and “nervous” claims.

The acknowledged basis for this attitude is the Biopsychosocial Model of illness, developed by the psychiatrist George Engel – but it’s a bastardised version, removing the bio- and -social aspects and concentrating on the ‘psycho’. This version of the theory, as used by Unum, has been utterly discredited. It is nonsense, totally disregarding such inconvenient medical procedures as diagnosis and prognosis, or limited life expectancy.

But it proved a great success for Unum – so much so that the UK government sought advice from the company in the early 1990s, when Peter Lilley was running the Department of Social Security. He wanted to reduce the number of disability claimants on his books, and Unum was only too happy to help out. It has been at the heart of disability benefit policy ever since.

We have Unum to thank for the Work Capability Assessment (administered by another private firm, Atos – an IT firm that has no expertise in healthcare, even though that word occasionally appears on its company logo). The recommendations made by Atos representatives, following these assessments, have led to the deaths of at least 73 genuinely ill people every week (according to government figures that are now almost a year old), who have claimed Employment and Support Allowance (formerly Incapacity Benefit). The real figure may be much higher.

The Coalition government considers this to be a great achievement and has now begun expanding the Work Capability Assessment regime to cover claims for Disability Living Allowance, now branded the Personal Independence Payment, with criteria that are much more difficult to achieve.

We can all expect many more deaths to arise from this.

Now, it seems, Unum believes the UK is ripe for bleeding – and that is why it is trying to sell its bogus insurance to working people here.

If you have been contacted, please get in touch.

For further information (with annotations pointing to the really damning evidence) see ‘The Hidden Agenda’ by disability researcher Mo Stewart.