SlideShare a Scribd company logo
1 of 19
Download to read offline
Deven Ghelani
Policy in Practice THE DEBT LANDSCAPE
IN RESPONSE TO A
CHANGING POLICY
ENVIRONMENT
Consumer Debt Conference, Utility
Week 2019
Agenda
• About Policy in Practice
• The impact of recent policy changes on low income
households
• Initiatives to help support vulnerable consumers
• A national initiative to pool data on low income families
A team of
professionals
with extensive
knowledge of the
welfare system
who are
passionate about
making social
policy work
We help local
authorities use
their household
level data to
identify
vulnerable
households,
target support
and track their
interventions
We develop
engaging software
that helps people
to increase their
income, reduce
their costs and
helps them to
build their
financial
resilience
Our analysis of Budget 2018
• £1.7 billion boost to benefit support,
benefiting 2.5 million households (1.9m
with children & 600k with limited
capability for work)
• £1.0 billion to help 1.1m people migrating
onto Universal Credit (one-third of those
left to migrate)
• Employed households gain
• Self-employed, disabled, ill or out of work
don't gain
• Download our report
• 1.6 million people on
Universal Credit today
• A further 1.6m people
moving onto Universal
Credit this year
• 2.0 million people moving
on through ‘managed
migration’ from 2020.
Universal Credit is rolling out fast
• UC work allowances: increase by £1,000 per year (from April 2019)
• Two week run-on for those on existing DWP benefits (JSA, ESA, IS) in
addition to those receiving housing benefit (from July 2020)
• Self employed: Protection extended to all; assessed on actual income (not
MIF) for 12 months (from July 2019)
• Deductions from UC: Max rate down from 40% to 30% (from Oct 2019)
• Delay in increasing the earnings limit that triggers surplus earnings
(remains the same until 2020)
• Period for recovery of advances extended from 12 to 16 months (from Oct
2021)
• Slower roll-out of Universal Credit (end now Dec 2023)
• Plus increase in minimum wage & changes in tax allowances (from April
2019)
Budget 2018: Universal Credit changes
Direct payments to landlord to continue under UC,
if transferring from HB 
End of UClive service
DEC2017
No new claims for UClive service after 01/01/18
UCadvances repayment period increases to 12 months
UCadvances increases to 100%of UCaward 
JAN 2018
All claims migrated to UC
DEC2023
National Living Wage likely to rise to £8.80 p/hr
Housing benefit to 'run-on' for the first 2 weeks of UC
Payments for temporary accommodation improved
Support for Mortgage Interest (SMI) becomes a loan
National Living Wage set at £7.83 p/hr for over 25
Personal tax allowance up from £11,500 to £11,850 
APRIL 2018
www.policyinpractice.co.uk
 UNIVERSAL CREDIT ROADMAP
Details subject to change
Details correct at 20 Feb 2019
FEB2018
7day waiting period for UCabolished
2017
2018
2019
2020
2023
2018
2018
Mixed age couples must make new claims for UC
instead of Pension Credit
MAY2019
JULY2019
Self-employed familiies moving to UCwon’t be affected by
minimum income floor for the first 12 months of their claim.
Managed migration pilot will begin (starts in full end  2019)
2019
2019
2019
End of Full Service roll out 
JAN 2019
New UCclaims for households with 2+
children
FEB2019
APRIL2019
NLW will increase to £8.21p/hr for over 25s
Personal tax allowance will increase to £12,500
Higher rate tax threshold will increase to £50,000
UCWork Allowances will increase by £1,000/year.
2019
APRIL 2020
Managed migration was scaled back for 2019,
although around 1.6m people will still move onto
Universal Credit this year via natural migration.
The two-child limit to benefits would not apply to
children born before April 2017.
Flexible payments, including direct payments to
landlords, split payments, and the payment of
Universal Credit going to the main carer by default.
The Secretary of State is also looking at options to
reduce the five-week wait for new claimants, and
accelerate childcare payments to providers.
The High Court found in favour of four working
mothers who challenged how the DWP took account
of monthly earnings.
New Secretary of State – new direction?
People are still going to be worse off
People are still going to be worse off
111111
Initiatives to support vulnerable households
Build your social tariffs into a single assessment tool
License the tool for advisors to enable holistic support
Work with local authorities - use data to target support
tariffs to vulnerable consumers most in need
Work with central government - Learn more about
national initiatives to match data and pool enforcement
resources.
Build your social tariffs into a single assessment tool, used
by 10,000 people each day via GOV.UK
License the tool for advisors so they can give holistic
support, improving people’s ability to repay in future
Work with local authorities: Use their data to target support tariffs to
vulnerable people, including those less likely to ask for support
Cambridge councils
partnership with South
Staffs water.
Connected to DHPs:
£55k to 210 people
Removed the income
threshold.
Great partnership.
Work with local authorities
Reimagine Debt
A cross-departmental
initiative to improve
enforcement activity across
government and the private
sector.
Cabinet Office are pooling
data to better understand
households to improve
collection and better support
households in crisis.
Work with central government: Learn about national initiatives to match
data and pool enforcement resources
A new measure of poverty for the UK
Takes into account household income,
and household needs.
What is water poverty?
How can you eliminate it by 2030?
Water Poverty: A new measure
Summary
• People are still set to be worse off and Universal Credit is rolling out fast.
• Utility companies can help people to tackle their debts by giving people
access to social tariffs.
• You can offer them holistic support too. Your vulnerability teams can check
eligibility and increase take-up of local and national support, making it more
likely that your customers will be able to pay their bills.
• You can also work with central and local government to pool data and share
resources, helping you to target your support to reach the most vulnerable.
• What is your consumer vulnerability strategy? Have you developed specific
plans, and would you like to advance them through analytics?
www.policyinpractice.co.uk
Thank you
Deven Ghelani
deven@policyinpractice.co.uk
07863 560677
Oscar Jefferson
oscar@policyinpractice.co.uk
07444 158921

More Related Content

More from Policy in Practice

AIM: Data protection, data governance, data management
AIM: Data protection, data governance, data managementAIM: Data protection, data governance, data management
AIM: Data protection, data governance, data managementPolicy in Practice
 
How viable is your council tax support scheme?
How viable is your council tax support scheme?How viable is your council tax support scheme?
How viable is your council tax support scheme?Policy in Practice
 
COVID-19: Who has fallen through the gaps?
COVID-19: Who has fallen through the gaps?COVID-19: Who has fallen through the gaps?
COVID-19: Who has fallen through the gaps?Policy in Practice
 
Reimagine Debt. A tale of two councils: Reimagine Debt Collection
Reimagine Debt. A tale of two councils: Reimagine Debt CollectionReimagine Debt. A tale of two councils: Reimagine Debt Collection
Reimagine Debt. A tale of two councils: Reimagine Debt CollectionPolicy in Practice
 
Embedding a data driven culture
Embedding a data driven cultureEmbedding a data driven culture
Embedding a data driven culturePolicy in Practice
 
IRRV virtual conference 2020: COVID-19 who has fallen between the gaps?
IRRV virtual conference 2020: COVID-19 who has fallen between the gaps?IRRV virtual conference 2020: COVID-19 who has fallen between the gaps?
IRRV virtual conference 2020: COVID-19 who has fallen between the gaps?Policy in Practice
 
Data science in safeguarding: an introduction to AIM
Data science in safeguarding: an introduction to AIMData science in safeguarding: an introduction to AIM
Data science in safeguarding: an introduction to AIMPolicy in Practice
 
London Councils: Identifying people at risk
London Councils: Identifying people at riskLondon Councils: Identifying people at risk
London Councils: Identifying people at riskPolicy in Practice
 
How viable is your council tax support scheme?
How viable is your council tax support scheme?How viable is your council tax support scheme?
How viable is your council tax support scheme?Policy in Practice
 
How councils can recover from COVID-19
How councils can recover from COVID-19How councils can recover from COVID-19
How councils can recover from COVID-19Policy in Practice
 
Roundtable - Who are the most vulnerable residents in London?
Roundtable - Who are the most vulnerable residents in London?Roundtable - Who are the most vulnerable residents in London?
Roundtable - Who are the most vulnerable residents in London?Policy in Practice
 
How to simplify the complexity of surplus earnings
How to simplify the complexity of surplus earnings How to simplify the complexity of surplus earnings
How to simplify the complexity of surplus earnings Policy in Practice
 
Is your post COVID-19 Council Tax Support Scheme sustainable?
Is your post COVID-19 Council Tax Support Scheme sustainable?Is your post COVID-19 Council Tax Support Scheme sustainable?
Is your post COVID-19 Council Tax Support Scheme sustainable?Policy in Practice
 
Coronavirus: stories from the front line
Coronavirus: stories from the front lineCoronavirus: stories from the front line
Coronavirus: stories from the front linePolicy in Practice
 
May recap of the major benefits changes and Coronavirus (COVID-19)
May recap of the major benefits changes and Coronavirus (COVID-19)May recap of the major benefits changes and Coronavirus (COVID-19)
May recap of the major benefits changes and Coronavirus (COVID-19)Policy in Practice
 
Recap of the major benefits changes and Coronavirus (COVID-19)
Recap of the major benefits changes and Coronavirus (COVID-19)Recap of the major benefits changes and Coronavirus (COVID-19)
Recap of the major benefits changes and Coronavirus (COVID-19)Policy in Practice
 
Coronavirus and tackling vulnerability
Coronavirus and tackling vulnerabilityCoronavirus and tackling vulnerability
Coronavirus and tackling vulnerabilityPolicy in Practice
 
The most underclaimed benefits and how to drive take up
The most underclaimed benefits and how to drive take upThe most underclaimed benefits and how to drive take up
The most underclaimed benefits and how to drive take upPolicy in Practice
 
Designing effective data-led local authorities
Designing effective data-led local authoritiesDesigning effective data-led local authorities
Designing effective data-led local authoritiesPolicy in Practice
 
LIFT Steering Group 23 January 2020
LIFT Steering Group 23 January 2020LIFT Steering Group 23 January 2020
LIFT Steering Group 23 January 2020Policy in Practice
 

More from Policy in Practice (20)

AIM: Data protection, data governance, data management
AIM: Data protection, data governance, data managementAIM: Data protection, data governance, data management
AIM: Data protection, data governance, data management
 
How viable is your council tax support scheme?
How viable is your council tax support scheme?How viable is your council tax support scheme?
How viable is your council tax support scheme?
 
COVID-19: Who has fallen through the gaps?
COVID-19: Who has fallen through the gaps?COVID-19: Who has fallen through the gaps?
COVID-19: Who has fallen through the gaps?
 
Reimagine Debt. A tale of two councils: Reimagine Debt Collection
Reimagine Debt. A tale of two councils: Reimagine Debt CollectionReimagine Debt. A tale of two councils: Reimagine Debt Collection
Reimagine Debt. A tale of two councils: Reimagine Debt Collection
 
Embedding a data driven culture
Embedding a data driven cultureEmbedding a data driven culture
Embedding a data driven culture
 
IRRV virtual conference 2020: COVID-19 who has fallen between the gaps?
IRRV virtual conference 2020: COVID-19 who has fallen between the gaps?IRRV virtual conference 2020: COVID-19 who has fallen between the gaps?
IRRV virtual conference 2020: COVID-19 who has fallen between the gaps?
 
Data science in safeguarding: an introduction to AIM
Data science in safeguarding: an introduction to AIMData science in safeguarding: an introduction to AIM
Data science in safeguarding: an introduction to AIM
 
London Councils: Identifying people at risk
London Councils: Identifying people at riskLondon Councils: Identifying people at risk
London Councils: Identifying people at risk
 
How viable is your council tax support scheme?
How viable is your council tax support scheme?How viable is your council tax support scheme?
How viable is your council tax support scheme?
 
How councils can recover from COVID-19
How councils can recover from COVID-19How councils can recover from COVID-19
How councils can recover from COVID-19
 
Roundtable - Who are the most vulnerable residents in London?
Roundtable - Who are the most vulnerable residents in London?Roundtable - Who are the most vulnerable residents in London?
Roundtable - Who are the most vulnerable residents in London?
 
How to simplify the complexity of surplus earnings
How to simplify the complexity of surplus earnings How to simplify the complexity of surplus earnings
How to simplify the complexity of surplus earnings
 
Is your post COVID-19 Council Tax Support Scheme sustainable?
Is your post COVID-19 Council Tax Support Scheme sustainable?Is your post COVID-19 Council Tax Support Scheme sustainable?
Is your post COVID-19 Council Tax Support Scheme sustainable?
 
Coronavirus: stories from the front line
Coronavirus: stories from the front lineCoronavirus: stories from the front line
Coronavirus: stories from the front line
 
May recap of the major benefits changes and Coronavirus (COVID-19)
May recap of the major benefits changes and Coronavirus (COVID-19)May recap of the major benefits changes and Coronavirus (COVID-19)
May recap of the major benefits changes and Coronavirus (COVID-19)
 
Recap of the major benefits changes and Coronavirus (COVID-19)
Recap of the major benefits changes and Coronavirus (COVID-19)Recap of the major benefits changes and Coronavirus (COVID-19)
Recap of the major benefits changes and Coronavirus (COVID-19)
 
Coronavirus and tackling vulnerability
Coronavirus and tackling vulnerabilityCoronavirus and tackling vulnerability
Coronavirus and tackling vulnerability
 
The most underclaimed benefits and how to drive take up
The most underclaimed benefits and how to drive take upThe most underclaimed benefits and how to drive take up
The most underclaimed benefits and how to drive take up
 
Designing effective data-led local authorities
Designing effective data-led local authoritiesDesigning effective data-led local authorities
Designing effective data-led local authorities
 
LIFT Steering Group 23 January 2020
LIFT Steering Group 23 January 2020LIFT Steering Group 23 January 2020
LIFT Steering Group 23 January 2020
 

Recently uploaded

Elements of language learning - an analysis of how different elements of lang...
Elements of language learning - an analysis of how different elements of lang...Elements of language learning - an analysis of how different elements of lang...
Elements of language learning - an analysis of how different elements of lang...PrithaVashisht1
 
Virtuosoft SmartSync Product Introduction
Virtuosoft SmartSync Product IntroductionVirtuosoft SmartSync Product Introduction
Virtuosoft SmartSync Product Introductionsanjaymuralee1
 
MEASURES OF DISPERSION I BSc Botany .ppt
MEASURES OF DISPERSION I BSc Botany .pptMEASURES OF DISPERSION I BSc Botany .ppt
MEASURES OF DISPERSION I BSc Botany .pptaigil2
 
The Universal GTM - how we design GTM and dataLayer
The Universal GTM - how we design GTM and dataLayerThe Universal GTM - how we design GTM and dataLayer
The Universal GTM - how we design GTM and dataLayerPavel Šabatka
 
AI for Sustainable Development Goals (SDGs)
AI for Sustainable Development Goals (SDGs)AI for Sustainable Development Goals (SDGs)
AI for Sustainable Development Goals (SDGs)Data & Analytics Magazin
 
YourView Panel Book.pptx YourView Panel Book.
YourView Panel Book.pptx YourView Panel Book.YourView Panel Book.pptx YourView Panel Book.
YourView Panel Book.pptx YourView Panel Book.JasonViviers2
 
ChistaDATA Real-Time DATA Analytics Infrastructure
ChistaDATA Real-Time DATA Analytics InfrastructureChistaDATA Real-Time DATA Analytics Infrastructure
ChistaDATA Real-Time DATA Analytics Infrastructuresonikadigital1
 
Persuasive E-commerce, Our Biased Brain @ Bikkeldag 2024
Persuasive E-commerce, Our Biased Brain @ Bikkeldag 2024Persuasive E-commerce, Our Biased Brain @ Bikkeldag 2024
Persuasive E-commerce, Our Biased Brain @ Bikkeldag 2024Guido X Jansen
 
Cash Is Still King: ATM market research '2023
Cash Is Still King: ATM market research '2023Cash Is Still King: ATM market research '2023
Cash Is Still King: ATM market research '2023Vladislav Solodkiy
 
CI, CD -Tools to integrate without manual intervention
CI, CD -Tools to integrate without manual interventionCI, CD -Tools to integrate without manual intervention
CI, CD -Tools to integrate without manual interventionajayrajaganeshkayala
 
Master's Thesis - Data Science - Presentation
Master's Thesis - Data Science - PresentationMaster's Thesis - Data Science - Presentation
Master's Thesis - Data Science - PresentationGiorgio Carbone
 
5 Ds to Define Data Archiving Best Practices
5 Ds to Define Data Archiving Best Practices5 Ds to Define Data Archiving Best Practices
5 Ds to Define Data Archiving Best PracticesDataArchiva
 
Mapping the pubmed data under different suptopics using NLP.pptx
Mapping the pubmed data under different suptopics using NLP.pptxMapping the pubmed data under different suptopics using NLP.pptx
Mapping the pubmed data under different suptopics using NLP.pptxVenkatasubramani13
 
Strategic CX: A Deep Dive into Voice of the Customer Insights for Clarity
Strategic CX: A Deep Dive into Voice of the Customer Insights for ClarityStrategic CX: A Deep Dive into Voice of the Customer Insights for Clarity
Strategic CX: A Deep Dive into Voice of the Customer Insights for ClarityAggregage
 
SFBA Splunk Usergroup meeting March 13, 2024
SFBA Splunk Usergroup meeting March 13, 2024SFBA Splunk Usergroup meeting March 13, 2024
SFBA Splunk Usergroup meeting March 13, 2024Becky Burwell
 
How is Real-Time Analytics Different from Traditional OLAP?
How is Real-Time Analytics Different from Traditional OLAP?How is Real-Time Analytics Different from Traditional OLAP?
How is Real-Time Analytics Different from Traditional OLAP?sonikadigital1
 
TINJUAN PEMROSESAN TRANSAKSI DAN ERP.pptx
TINJUAN PEMROSESAN TRANSAKSI DAN ERP.pptxTINJUAN PEMROSESAN TRANSAKSI DAN ERP.pptx
TINJUAN PEMROSESAN TRANSAKSI DAN ERP.pptxDwiAyuSitiHartinah
 

Recently uploaded (17)

Elements of language learning - an analysis of how different elements of lang...
Elements of language learning - an analysis of how different elements of lang...Elements of language learning - an analysis of how different elements of lang...
Elements of language learning - an analysis of how different elements of lang...
 
Virtuosoft SmartSync Product Introduction
Virtuosoft SmartSync Product IntroductionVirtuosoft SmartSync Product Introduction
Virtuosoft SmartSync Product Introduction
 
MEASURES OF DISPERSION I BSc Botany .ppt
MEASURES OF DISPERSION I BSc Botany .pptMEASURES OF DISPERSION I BSc Botany .ppt
MEASURES OF DISPERSION I BSc Botany .ppt
 
The Universal GTM - how we design GTM and dataLayer
The Universal GTM - how we design GTM and dataLayerThe Universal GTM - how we design GTM and dataLayer
The Universal GTM - how we design GTM and dataLayer
 
AI for Sustainable Development Goals (SDGs)
AI for Sustainable Development Goals (SDGs)AI for Sustainable Development Goals (SDGs)
AI for Sustainable Development Goals (SDGs)
 
YourView Panel Book.pptx YourView Panel Book.
YourView Panel Book.pptx YourView Panel Book.YourView Panel Book.pptx YourView Panel Book.
YourView Panel Book.pptx YourView Panel Book.
 
ChistaDATA Real-Time DATA Analytics Infrastructure
ChistaDATA Real-Time DATA Analytics InfrastructureChistaDATA Real-Time DATA Analytics Infrastructure
ChistaDATA Real-Time DATA Analytics Infrastructure
 
Persuasive E-commerce, Our Biased Brain @ Bikkeldag 2024
Persuasive E-commerce, Our Biased Brain @ Bikkeldag 2024Persuasive E-commerce, Our Biased Brain @ Bikkeldag 2024
Persuasive E-commerce, Our Biased Brain @ Bikkeldag 2024
 
Cash Is Still King: ATM market research '2023
Cash Is Still King: ATM market research '2023Cash Is Still King: ATM market research '2023
Cash Is Still King: ATM market research '2023
 
CI, CD -Tools to integrate without manual intervention
CI, CD -Tools to integrate without manual interventionCI, CD -Tools to integrate without manual intervention
CI, CD -Tools to integrate without manual intervention
 
Master's Thesis - Data Science - Presentation
Master's Thesis - Data Science - PresentationMaster's Thesis - Data Science - Presentation
Master's Thesis - Data Science - Presentation
 
5 Ds to Define Data Archiving Best Practices
5 Ds to Define Data Archiving Best Practices5 Ds to Define Data Archiving Best Practices
5 Ds to Define Data Archiving Best Practices
 
Mapping the pubmed data under different suptopics using NLP.pptx
Mapping the pubmed data under different suptopics using NLP.pptxMapping the pubmed data under different suptopics using NLP.pptx
Mapping the pubmed data under different suptopics using NLP.pptx
 
Strategic CX: A Deep Dive into Voice of the Customer Insights for Clarity
Strategic CX: A Deep Dive into Voice of the Customer Insights for ClarityStrategic CX: A Deep Dive into Voice of the Customer Insights for Clarity
Strategic CX: A Deep Dive into Voice of the Customer Insights for Clarity
 
SFBA Splunk Usergroup meeting March 13, 2024
SFBA Splunk Usergroup meeting March 13, 2024SFBA Splunk Usergroup meeting March 13, 2024
SFBA Splunk Usergroup meeting March 13, 2024
 
How is Real-Time Analytics Different from Traditional OLAP?
How is Real-Time Analytics Different from Traditional OLAP?How is Real-Time Analytics Different from Traditional OLAP?
How is Real-Time Analytics Different from Traditional OLAP?
 
TINJUAN PEMROSESAN TRANSAKSI DAN ERP.pptx
TINJUAN PEMROSESAN TRANSAKSI DAN ERP.pptxTINJUAN PEMROSESAN TRANSAKSI DAN ERP.pptx
TINJUAN PEMROSESAN TRANSAKSI DAN ERP.pptx
 

The debt landscape in response to a changing policy environment

  • 1. Deven Ghelani Policy in Practice THE DEBT LANDSCAPE IN RESPONSE TO A CHANGING POLICY ENVIRONMENT Consumer Debt Conference, Utility Week 2019
  • 2. Agenda • About Policy in Practice • The impact of recent policy changes on low income households • Initiatives to help support vulnerable consumers • A national initiative to pool data on low income families
  • 3. A team of professionals with extensive knowledge of the welfare system who are passionate about making social policy work We help local authorities use their household level data to identify vulnerable households, target support and track their interventions We develop engaging software that helps people to increase their income, reduce their costs and helps them to build their financial resilience
  • 4. Our analysis of Budget 2018 • £1.7 billion boost to benefit support, benefiting 2.5 million households (1.9m with children & 600k with limited capability for work) • £1.0 billion to help 1.1m people migrating onto Universal Credit (one-third of those left to migrate) • Employed households gain • Self-employed, disabled, ill or out of work don't gain • Download our report
  • 5. • 1.6 million people on Universal Credit today • A further 1.6m people moving onto Universal Credit this year • 2.0 million people moving on through ‘managed migration’ from 2020. Universal Credit is rolling out fast
  • 6. • UC work allowances: increase by £1,000 per year (from April 2019) • Two week run-on for those on existing DWP benefits (JSA, ESA, IS) in addition to those receiving housing benefit (from July 2020) • Self employed: Protection extended to all; assessed on actual income (not MIF) for 12 months (from July 2019) • Deductions from UC: Max rate down from 40% to 30% (from Oct 2019) • Delay in increasing the earnings limit that triggers surplus earnings (remains the same until 2020) • Period for recovery of advances extended from 12 to 16 months (from Oct 2021) • Slower roll-out of Universal Credit (end now Dec 2023) • Plus increase in minimum wage & changes in tax allowances (from April 2019) Budget 2018: Universal Credit changes
  • 7. Direct payments to landlord to continue under UC, if transferring from HB  End of UClive service DEC2017 No new claims for UClive service after 01/01/18 UCadvances repayment period increases to 12 months UCadvances increases to 100%of UCaward  JAN 2018 All claims migrated to UC DEC2023 National Living Wage likely to rise to £8.80 p/hr Housing benefit to 'run-on' for the first 2 weeks of UC Payments for temporary accommodation improved Support for Mortgage Interest (SMI) becomes a loan National Living Wage set at £7.83 p/hr for over 25 Personal tax allowance up from £11,500 to £11,850  APRIL 2018 www.policyinpractice.co.uk  UNIVERSAL CREDIT ROADMAP Details subject to change Details correct at 20 Feb 2019 FEB2018 7day waiting period for UCabolished 2017 2018 2019 2020 2023 2018 2018 Mixed age couples must make new claims for UC instead of Pension Credit MAY2019 JULY2019 Self-employed familiies moving to UCwon’t be affected by minimum income floor for the first 12 months of their claim. Managed migration pilot will begin (starts in full end  2019) 2019 2019 2019 End of Full Service roll out  JAN 2019 New UCclaims for households with 2+ children FEB2019 APRIL2019 NLW will increase to £8.21p/hr for over 25s Personal tax allowance will increase to £12,500 Higher rate tax threshold will increase to £50,000 UCWork Allowances will increase by £1,000/year. 2019 APRIL 2020
  • 8. Managed migration was scaled back for 2019, although around 1.6m people will still move onto Universal Credit this year via natural migration. The two-child limit to benefits would not apply to children born before April 2017. Flexible payments, including direct payments to landlords, split payments, and the payment of Universal Credit going to the main carer by default. The Secretary of State is also looking at options to reduce the five-week wait for new claimants, and accelerate childcare payments to providers. The High Court found in favour of four working mothers who challenged how the DWP took account of monthly earnings. New Secretary of State – new direction?
  • 9. People are still going to be worse off
  • 10. People are still going to be worse off
  • 11. 111111 Initiatives to support vulnerable households Build your social tariffs into a single assessment tool License the tool for advisors to enable holistic support Work with local authorities - use data to target support tariffs to vulnerable consumers most in need Work with central government - Learn more about national initiatives to match data and pool enforcement resources.
  • 12. Build your social tariffs into a single assessment tool, used by 10,000 people each day via GOV.UK
  • 13. License the tool for advisors so they can give holistic support, improving people’s ability to repay in future
  • 14. Work with local authorities: Use their data to target support tariffs to vulnerable people, including those less likely to ask for support
  • 15. Cambridge councils partnership with South Staffs water. Connected to DHPs: £55k to 210 people Removed the income threshold. Great partnership. Work with local authorities
  • 16. Reimagine Debt A cross-departmental initiative to improve enforcement activity across government and the private sector. Cabinet Office are pooling data to better understand households to improve collection and better support households in crisis. Work with central government: Learn about national initiatives to match data and pool enforcement resources
  • 17. A new measure of poverty for the UK Takes into account household income, and household needs. What is water poverty? How can you eliminate it by 2030? Water Poverty: A new measure
  • 18. Summary • People are still set to be worse off and Universal Credit is rolling out fast. • Utility companies can help people to tackle their debts by giving people access to social tariffs. • You can offer them holistic support too. Your vulnerability teams can check eligibility and increase take-up of local and national support, making it more likely that your customers will be able to pay their bills. • You can also work with central and local government to pool data and share resources, helping you to target your support to reach the most vulnerable. • What is your consumer vulnerability strategy? Have you developed specific plans, and would you like to advance them through analytics?
  • 19. www.policyinpractice.co.uk Thank you Deven Ghelani deven@policyinpractice.co.uk 07863 560677 Oscar Jefferson oscar@policyinpractice.co.uk 07444 158921

Editor's Notes

  1. Analytics – Software – Policy
  2. Naomi and Cambridge water PIC