The London School of Economics has published research about the alleged simplicity of Universal Credit and the lived experience of benefit claimants.
Kate Summers and David Young challenge the assumed simplicity of Universal Credit by focusing on its single monthly payment design. They draw on two empirical studies of means-tested benefit claimants in order to explain how short-termism is a crucial tool for those managing social security benefits.
… The evidence shows that social security recipients have developed effective tools and processes to make ends meet while in receipt of meagre means-tested payments: the monthly payment design of UC pushes against many of these strategies. Moreover the earmarking tools and short-term orientations are sometimes seen as deficiencies to be fixed with money management education and training. Instead they should be recognised for what they are: astute responses to managing on a very low income.
Within the current ‘re-think’ period, there remains a powerful consensus that Universal Credit is, or at least can be, simple. While certain administrative simplification still has the potential to improve a system widely seen as too complex, this must be considered alongside claimant experience. Claims of simplicity can often mean that complexity does not go away but is shifted out of sight, backstage. We argue that with Universal Credit, the complexity of managing to make ends meet on a very low-income could end up being shifted onto those that can least afford it: the claimants themselves
Click here to read the report.
And to read some recent personal experiences of Universal Credit, click here