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''Exceptional Needs'' Payments from Community Welfare Officer

  • 03-02-2012 1:14am
    #1
    Registered Users, Registered Users 2 Posts: 8,633 ✭✭✭


    I would agree Eamon Gilmore's assertion that the rules about Community Welfare Officers should be reformed from post 1995 levels.

    Let me tell you a background about these officers.

    They are there to help people who have greatest difficulty in the dire need of financial when in a financial or domestic emergency. There are based in your local HSE centres around the country.

    The majority of the applicants are dealt with who apply for Supplementary Welfare Allowances.

    They provide other important payments we all know, as the Clothing And Footwear Allowance and Mortgage Interest Supplement.

    An example of one is located in Eamon Gilmore's Constituency in York Road in Dun Laoghaire. (And we all remember the famous rant he made in the Dail against the previous government about one officer being sick there and the place being closed thereafter).

    They provide us with great help towards me because they gave money to my mum to help repair the boiler because she is on a disability allowance. The payment is known as a heating supplement.

    http://www.citizensinformation.ie/en/social_welfare/social_welfare_payments/supplementary_welfare_schemes/diet_and_heating_supplements.html

    The boiler was not working for a period of a few months, she went there to get the cheque to pay for the repairs. There is no maximum limit for the heating supplement payment.

    If anyone else did this before, I am hoping they will say it is a great help.

    The website link should give us more detail with regard to the other payments aside from the three examples already being listed.

    The opening hours are a complete farce IMO. They are only open for 3 days a week from Mondays To Wednesdays from 10am to 11:30am in my local office. I'd suppose it is the same for the other offices.

    They should be open for longer hours and even add a extra day or two to complement the level of demand.

    They are plenty of people who are make appointments with it, or they can just go to get themselves a ticket to queue for the payments.

    Any feedback would be most welcome.


«1

Comments

  • Registered Users, Registered Users 2 Posts: 24,366 ✭✭✭✭Sleepy


    Feedback? How about why are my taxes paying for your mother's boiler repairs?

    If she's unemployed/pensioned is she:

    a) living in social housing - ergo Council's responsibility to pay
    b) living in private rented accommodation - ergo Landlord's responsibility to pay

    or, as I suspect is the case,

    c) living in a privately owned home that she can no longer afford to maintain but doesn't want to sell it and rent somewhere she can afford to live out of the equity released where maintenance would be the landlords issue / downsize to something that leaves her enough extra capital to maintain that property etc.


  • Closed Accounts Posts: 21,727 ✭✭✭✭Godge


    Sleepy wrote: »
    Feedback? How about why are my taxes paying for your mother's boiler repairs?

    If she's unemployed/pensioned is she:

    a) living in social housing - ergo Council's responsibility to pay
    b) living in private rented accommodation - ergo Landlord's responsibility to pay

    or, as I suspect is the case,

    c) living in a privately owned home that she can no longer afford to maintain but doesn't want to sell it and rent somewhere she can afford to live out of the equity released where maintenance would be the landlords issue / downsize to something that leaves her enough extra capital to maintain that property etc.

    You don't know the half of it.

    http://www.citizensinformation.ie/en/social_welfare/social_welfare_payments/supplementary_welfare_schemes/


    Have a look at this range of supplementary social welfare payments that your tax is covering, all of which are payable in addition to basic social welfare rates. As I cannot find any mention of the communion allowance, I assume that this is not the full list and there are others. The mind does tend to boggle a bit.


  • Closed Accounts Posts: 525 ✭✭✭vamos!


    I understand a lot of these payments and do think that some such as money for flooding repairs, funerals and other unforeseen and unplanned events can be needed. I do not understand a payment for buggies. Babies usually give 9 months notice of their arrival! A cooker packing up in a house full of children needs to be replaced but there is no way I can comprehend the state (ergo taxpayers) funding the furnishing of a house for people setting up home for the first time or a furnishings payments. Can all of these items not generally be gotten from SVdeP where needed or inherited from friends and family until you have saved to replace them? Likewise electrical goods. Houses need fridges and cookers but microwaves, dishwashers and tumble dryers are optional that should be saved for. What are we creating if we provide everything? How can the recipients of everything (not one off emergencies) ever learn to be self sufficient and manage money? How can they have pride in themselves and ensure that their children grow up to respect the notion of hard work and striving to provide for one's family?


  • Registered Users, Registered Users 2 Posts: 8,295 ✭✭✭n97 mini


    vamos! wrote: »
    I understand a lot of these payments and do think that some such as money for flooding repairs, funerals and other unforeseen and unplanned events can be needed.
    That's why the rest of us put away a few quid when we can. It's called rainy day money. If my washing machine breaks down no-one else will pay for it.


  • Registered Users, Registered Users 2 Posts: 7,008 ✭✭✭not yet


    Attacking the vulnerable....when will it ever stop.


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  • Closed Accounts Posts: 9,193 ✭✭✭[Jackass]


    More examples of people who are bitter about not being in absolute financial ruin during this Economic melt down with no understanding of what people have lost and how their ability to earn income is gone and their "rainy day" money has long since been stretched and evaporated.

    I'M NOT RUINED! WHY AM I PAYING TAX? WHAT DO I GET OUT OF THIS? WHAT ABOUT ME ME ME!!??


  • Registered Users, Registered Users 2 Posts: 3,246 ✭✭✭Good loser


    [Jackass] wrote: »
    More examples of people who are bitter about not being in absolute financial ruin during this Economic melt down with no understanding of what people have lost and how their ability to earn income is gone and their "rainy day" money has long since been stretched and evaporated.

    I'M NOT RUINED! WHY AM I PAYING TAX? WHAT DO I GET OUT OF THIS? WHAT ABOUT ME ME ME!!??

    You would prefer us to pay up and shut up?

    It seems perfectly reasonable to me to question this spending by a bankrupt state.


  • Closed Accounts Posts: 9,193 ✭✭✭[Jackass]


    Oh I agree, you SHOULD question everything...but someone asking "why am I paying for your mothers boiler?" for example is a bit ignorant.

    While I do think that our social welfare policy was a complete joke during the boom and paying for votes, I think it's a bit harsh to be so cynical of people who need assistance during the biggest economic meltdown in the history of the state with comments like that, when circumstances can't be accounted for, when people look for emergency assistance. Death of the main breadwinner and unsustainable debts may be one example. And the solution of "sell your house" is quite comical, given the current climate of negative equity and stale property market.


  • Registered Users, Registered Users 2 Posts: 208 ✭✭Debtocracy


    Sleepy wrote: »
    Feedback? How about why are my taxes paying for your mother's boiler repairs?

    I’m very sorry that you lost .01 cent paying for that disabled woman’s boiler. Never mind as money tends to flow upwards quickly and you may one day get some of it back.


  • Closed Accounts Posts: 21,727 ✭✭✭✭Godge


    [Jackass] wrote: »
    More examples of people who are bitter about not being in absolute financial ruin during this Economic melt down with no understanding of what people have lost and how their ability to earn income is gone and their "rainy day" money has long since been stretched and evaporated.

    I'M NOT RUINED! WHY AM I PAYING TAX? WHAT DO I GET OUT OF THIS? WHAT ABOUT ME ME ME!!??

    Neighbour of mine, his boiler broke last October, he is still at work, finding it difficult to get by, too much income to get supplementary welfare, had to wait three weeks until he got paid to fix boiler.

    He hasn't had a holiday abroad in three years, while everyone I know on social welfare had one last year. The thing is, people who are working, both public sector and private sector have taken a severe adjustment over the last two to three years. It hasn't happened to those on social welfare and even when it is proposed to cut the most outrageous bits of social welfare, the usual crying and whinging starts.


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  • Registered Users, Registered Users 2 Posts: 392 ✭✭skafish


    Sleepy wrote: »
    Feedback? How about why are my taxes paying for your mother's boiler repairs?

    If she's unemployed/pensioned is she:

    a) living in social housing - ergo Council's responsibility to pay
    b) living in private rented accommodation - ergo Landlord's responsibility to pay

    or, as I suspect is the case,

    c) living in a privately owned home that she can no longer afford to maintain but doesn't want to sell it and rent somewhere she can afford to live out of the equity released where maintenance would be the landlords issue / downsize to something that leaves her enough extra capital to maintain that property etc.

    Personally, I don't have too much of an issue with my taxes being used to help a (presumably) elderly lady keep her house warm.
    Its probably cheaper to fix her boiler than have her get sick and end up in hospital as well.

    HOWEVER, I have a huge problem with other uses of the Exceptional needs payment... like as has been discussed in another thread, communion dresses, new furniture etc.

    IMO, fixing the boiler of sombody who cant afford it themselves at the moment is exactly what this money should be used for, not the other sh1te.


  • Registered Users, Registered Users 2 Posts: 41,156 ✭✭✭✭Annasopra


    Godge wrote: »
    Neighbour of mine, his boiler broke last October, he is still at work, finding it difficult to get by, too much income to get supplementary welfare, had to wait three weeks until he got paid to fix boiler.

    He hasn't had a holiday abroad in three years, while everyone I know on social welfare had one last year. The thing is, people who are working, both public sector and private sector have taken a severe adjustment over the last two to three years. It hasn't happened to those on social welfare and even when it is proposed to cut the most outrageous bits of social welfare, the usual crying and whinging starts.

    I could have sworn social welfare rates were actually reduced in the last 3 years.

    It was so much easier to blame it on Them. It was bleakly depressing to think that They were Us. If it was Them, then nothing was anyone's fault. If it was us, what did that make Me? After all, I'm one of Us. I must be. I've certainly never thought of myself as one of Them. No one ever thinks of themselves as one of Them. We're always one of Us. It's Them that do the bad things.

    Terry Pratchet



  • Closed Accounts Posts: 9,193 ✭✭✭[Jackass]


    Godge wrote: »
    It hasn't happened to those on social welfare and even when it is proposed to cut the most outrageous bits of social welfare, the usual crying and whinging starts.

    Are you serious?

    Social welfare, not job seekers benefit, has been completely wiped out. Mature students, for example, people who have lost their jobs and are looking to retrain and reskill to get off social welfare and contribute to the Economy again, can study for up to 25 hours a week, and are given a grand total of 1,200 for the entire year to live off with zero other entitlements, and try finding a part-time job in this climate - unskilled labour that everybody can do, and the smallest job area out there, it's the most difficult job class to find.

    How would one of these people fix their boiler?

    Or should they not look to better themselves and contribute to the economy and stay on jobseekers benefit rather than going back to college?

    Such hatred and despise towards the people hit hardest. These aren't people who were on the dole during the boom, these are hard working people who's situation crumbled worse than others. Blame the Government, blame the banks, blame the E.U., blame the Public sector black hole of silly money still being paid, but don't blame your neighbour for struggling so bad. It's soul destroying to see so many thanks for comments like "should we just shut up and pay up" when talking about an elderly ladies boiler being fixed....

    Sweet jesus.....humanity...


  • Registered Users, Registered Users 2 Posts: 3,246 ✭✭✭Good loser


    [Jackass] wrote: »
    Are you serious?

    Social welfare, not job seekers benefit, has been completely wiped out. Mature students, for example, people who have lost their jobs and are looking to retrain and reskill to get off social welfare and contribute to the Economy again, can study for up to 25 hours a week, and are given a grand total of 1,200 for the entire year to live off with zero other entitlements, and try finding a part-time job in this climate - unskilled labour that everybody can do, and the smallest job area out there, it's the most difficult job class to find.

    How would one of these people fix their boiler?

    Or should they not look to better themselves and contribute to the economy and stay on jobseekers benefit rather than going back to college?

    Such hatred and despise towards the people hit hardest. These aren't people who were on the dole during the boom, these are hard working people who's situation crumbled worse than others. Blame the Government, blame the banks, blame the E.U., blame the Public sector black hole of silly money still being paid, but don't blame your neighbour for struggling so bad. It's soul destroying to see so many thanks for comments like "should we just shut up and pay up" when talking about an elderly ladies boiler being fixed....

    Sweet jesus.....humanity...

    We didn't come down in the last shower. Perhaps the people who criticise aspects of social welfare and the overall spend are more compassionate that those who blindly support all expenditures. Certainly they are more far sighted.

    Your statement in bold above for example is absurd. Also absurd is the overall spend on social welfare in the context of a bankrupt state.

    Joan Burton apparently is proud that she limited the reduction in social welfare by €300m this year. I would call it failing to do her job. Keeping the communion payment at €100 is typical of the mickey mouse way she operates.

    Rigour needs to be applied to the smallest element of State spending. In all SW issues if any measure is proposed the opponents should have the courage to nominate an alternative saving within the SW budget.


  • Closed Accounts Posts: 21,727 ✭✭✭✭Godge


    [Jackass] wrote: »
    Are you serious?

    Social welfare, not job seekers benefit, has been completely wiped out. Mature students, for example, people who have lost their jobs and are looking to retrain and reskill to get off social welfare and contribute to the Economy again, can study for up to 25 hours a week, and are given a grand total of 1,200 for the entire year to live off with zero other entitlements, and try finding a part-time job in this climate - unskilled labour that everybody can do, and the smallest job area out there, it's the most difficult job class to find.

    How would one of these people fix their boiler?

    Or should they not look to better themselves and contribute to the economy and stay on jobseekers benefit rather than going back to college?

    Such hatred and despise towards the people hit hardest. These aren't people who were on the dole during the boom, these are hard working people who's situation crumbled worse than others. Blame the Government, blame the banks, blame the E.U., blame the Public sector black hole of silly money still being paid, but don't blame your neighbour for struggling so bad. It's soul destroying to see so many thanks for comments like "should we just shut up and pay up" when talking about an elderly ladies boiler being fixed....

    Sweet jesus.....humanity...


    The social welfare bill has gone up since the crisis began, so have public service pensions. Public service pay has gone down, and anyone paying income tax has been hit hard but then again, most social welfare benefits are not taxed.

    We have the most generous social welfare system in the world, we cannot afford it, that is the clear conclusion.


  • Moderators, Entertainment Moderators, Politics Moderators Posts: 14,549 Mod ✭✭✭✭johnnyskeleton


    I thought that the basic payments were high because of all these expenses, that extra basic payments were made for children because children need even more protection and that there were also some standard payments such as winter fuel etc.

    Now, given thatthe basic payments already take into account the cost of all these expenses, are the supplimentary things not a form of double payment? Moreover, a person not claiming all these extras will presumably face the same issues as the person who does.

    It seems to be something open to a lot of abuse. For example, if you need a new heater, instead of giving you the money, could they buy the heater and then spread the cost over a few months taken out at say 2-3 euro per week? This would IMO reduce the unfairness to those that dont claim it while at the same time reducing the perception of abuse in the system. It also ensures that those with a genuine emergency can get sorted there and then and the cost is spread interest free.


  • Registered Users, Registered Users 2 Posts: 41,156 ✭✭✭✭Annasopra


    Godge wrote: »

    We have the most generous social welfare system in the world
    What evidence have you for this?

    It was so much easier to blame it on Them. It was bleakly depressing to think that They were Us. If it was Them, then nothing was anyone's fault. If it was us, what did that make Me? After all, I'm one of Us. I must be. I've certainly never thought of myself as one of Them. No one ever thinks of themselves as one of Them. We're always one of Us. It's Them that do the bad things.

    Terry Pratchet



  • Registered Users, Registered Users 2 Posts: 2,733 ✭✭✭Nermal


    I could have sworn social welfare rates were actually reduced in the last 3 years.

    They were increased vastly above inflation in the previous 15. There's a long way down to go.


  • Registered Users, Registered Users 2 Posts: 24,366 ✭✭✭✭Sleepy


    If so many people who take an active enough interest in the Irish economy to partake in this forum still can't tell the difference between income and wealth, what hope is there!

    Why is it that so many are so quick to discount the PPR as the valuable asset that it it? At what point does someone's home become considered to be part of their wealth? Should the working poor continue to pay taxes towards the subsidising of the lives of those with significantly more wealth than themselves with benefits they themselves can't avail of?


  • Closed Accounts Posts: 21,727 ✭✭✭✭Godge


    What evidence have you for this?

    Plenty, even the Department of Social Protection admit it. Buried deep in a report on expenditure is the following gem in relation to one-parent provision, if you remember the change to a cut-off at age 14 generated huge protests and complaints yet it is still high by international norms:

    "International Comparisons
    [FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman]The changes outlined in the Social Welfare (Miscellaneous Provisions) Act, 2010, will bring Ireland‟s support for lone parents more in line with international provisions – where there is a general movement away from long-term and passive income support.
    Ireland‟s new age 14 cut-off point remains higher than that in other western countries:
    [/FONT]
    [/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman][/FONT][/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman]United Kingdom: Lone parents are obliged to seek work when their youngest child reaches the age of 7.
    [/FONT]
    [/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman][/FONT][/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman]Northern Ireland: There is a work obligation when the youngest child reaches the age of 7. Lone parents with a youngest child aged 12 or under have the right to restrict the hours that they are available to work when claiming the Jobseeker‟ Allowance (i.e. they are not expected to work outside the child‟ normal school hours). If in employment, lone parents must be working 16 hours or more per week in order to claim a childcare tax credit (the maximum help available varies – e.g. £140.00 per week for one child in registered childcare).
    [/FONT]
    [/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman][/FONT][/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman]Canada: There is a work obligation when the youngest child reaches the age of 6.
    [/FONT]
    [/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman][/FONT][/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman]The Netherlands, Australia and New Zealand: There is a work obligation when the youngest child reaches the age of 5.
    [/FONT]
    [/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman][/FONT][/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman]Finland: There is a work obligation when the youngest child reaches the age of 4.
    [/FONT]
    [/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman][/FONT][/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman]Germany, Italy, Sweden and Norway: There is a work obligation when the youngest child reaches the age of 3. "
    [/FONT]
    [/FONT]

    http://www.welfare.ie/EN/Policy/CorporatePublications/Finance/exp_rev/Documents/Comprehensive_Review_of_Expenditure_2011.pdf

    There is the link to check it yourself.


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  • Registered Users, Registered Users 2 Posts: 19,218 ✭✭✭✭Bannasidhe


    I thought that the basic payments were high because of all these expenses, that extra basic payments were made for children because children need even more protection and that there were also some standard payments such as winter fuel etc.

    Now, given thatthe basic payments already take into account the cost of all these expenses, are the supplimentary things not a form of double payment? Moreover, a person not claiming all these extras will presumably face the same issues as the person who does.

    It seems to be something open to a lot of abuse. For example, if you need a new heater, instead of giving you the money, could they buy the heater and then spread the cost over a few months taken out at say 2-3 euro per week? This would IMO reduce the unfairness to those that dont claim it while at the same time reducing the perception of abuse in the system. It also ensures that those with a genuine emergency can get sorted there and then and the cost is spread interest free.

    The weekly rate for a dependent child is 29.80 - http://www.welfare.ie/EN/Topics/Budget/Bud12/Pages/bud12s21.aspx - if that is for a baby it has to cover food, nappies, endless laundry etc - all the costs associated with a small child. No doubt many here feel that is more then enough. However, it is the same rate for a 16 year old. Now, when my son was 16 he was 6 foot tall and eating me out of house and home ( no, I was not claiming SW before anyone asks :rolleyes:) and there is no way I could have fed, clothed, bought school books and uniforms, provided packed lunches etc on 29.80 a week.
    Does anyone honestly believe one can support a child, never mind a teenager, on 29.80 a week unless there are 'exceptional' payments? At the current child rate the need for extra payments is built into the system.


    Yes, people on SW also get Child Benefit - but so do those on 100,000/200,000 + k a year so the State obviously doesn't view CB as for children in 'need' but does expect those in need to use it to cover household costs while those in financially comfortable positions can just pop it into a bank account.


  • Registered Users, Registered Users 2 Posts: 19,218 ✭✭✭✭Bannasidhe


    Godge wrote: »
    Plenty, even the Department of Social Protection admit it. Buried deep in a report on expenditure is the following gem in relation to one-parent provision, if you remember the change to a cut-off at age 14 generated huge protests and complaints yet it is still high by international norms:

    "International Comparisons
    [FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman]The changes outlined in the Social Welfare (Miscellaneous Provisions) Act, 2010, will bring Ireland‟s support for lone parents more in line with international provisions – where there is a general movement away from long-term and passive income support.
    Ireland‟s new age 14 cut-off point remains higher than that in other western countries:
    [/FONT]
    [/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman][/FONT][/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman]United Kingdom: Lone parents are obliged to seek work when their youngest child reaches the age of 7.
    [/FONT]
    [/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman][/FONT][/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman]Northern Ireland: There is a work obligation when the youngest child reaches the age of 7. Lone parents with a youngest child aged 12 or under have the right to restrict the hours that they are available to work when claiming the Jobseeker‟ Allowance (i.e. they are not expected to work outside the child‟ normal school hours). If in employment, lone parents must be working 16 hours or more per week in order to claim a childcare tax credit (the maximum help available varies – e.g. £140.00 per week for one child in registered childcare).
    [/FONT]
    [/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman][/FONT][/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman]Canada: There is a work obligation when the youngest child reaches the age of 6.
    [/FONT]
    [/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman][/FONT][/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman]The Netherlands, Australia and New Zealand: There is a work obligation when the youngest child reaches the age of 5.
    [/FONT]
    [/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman][/FONT][/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman]Finland: There is a work obligation when the youngest child reaches the age of 4.
    [/FONT]
    [/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman][/FONT][/FONT][FONT=Times New Roman,Times New Roman][FONT=Times New Roman,Times New Roman]Germany, Italy, Sweden and Norway: There is a work obligation when the youngest child reaches the age of 3. "
    [/FONT]
    [/FONT]

    http://www.welfare.ie/EN/Policy/CorporatePublications/Finance/exp_rev/Documents/Comprehensive_Review_of_Expenditure_2011.pdf

    There is the link to check it yourself.

    Do you have a link which shows comparable costs of childcare? Level of childcare provision etc?


  • Registered Users, Registered Users 2 Posts: 2,892 ✭✭✭Head The Wall


    Bannasidhe wrote: »
    The weekly rate for a dependent child is 29.80 - http://www.welfare.ie/EN/Topics/Budget/Bud12/Pages/bud12s21.aspx - if that is for a baby it has to cover food, nappies, endless laundry etc - all the costs associated with a small child. No doubt many here feel that is more then enough. However, it is the same rate for a 16 year old. Now, when my son was 16 he was 6 foot tall and eating me out of house and home ( no, I was not claiming SW before anyone asks :rolleyes:) and there is no way I could have fed, clothed, bought school books and uniforms, provided packed lunches etc on 29.80 a week.
    Does anyone honestly believe one can support a child, never mind a teenager, on 29.80 a week unless there are 'exceptional' payments? At the current child rate the need for extra payments is built into the system.


    Yes, people on SW also get Child Benefit - but so do those on 100,000/200,000 + k a year so the State obviously doesn't view CB as for children in 'need' but does expect those in need to use it to cover household costs while those in financially comfortable positions can just pop it into a bank account.

    Welfare should "assist" not fully support the raising of a child.


  • Registered Users, Registered Users 2 Posts: 19,218 ✭✭✭✭Bannasidhe


    Welfare should "assist" not fully support the raising of a child.

    Mon 09 Sep 2010
    The €250,000 child
    THE COSTS associated with having a child start almost at the moment of conception, or at least within a couple of weeks of it. When education, childcare, food, clothes, holidays, toys, pocket money, presents, doctors’ bills and all the stuff that children require – and acquire – over the course of their young lives is factored in, they will cost their parents well in excess of €200,000 before they get to 18.
    http://www.irishtimes.com/newspaper/features/2010/0913/1224278755577.html

    Even if we remove doctor's fees (medical cards), holidays, pocket money, presents and posit that it costs 100,000 to raise a child to age 16 - that would mean an income of 6250 p.a or 120.19 pw. When we subtract the 29.80 the State deems sufficient to meet the weekly costs of raising a child we are left with a sortfall of 90.39 a week.

    Given that apart from JSB - which is dependent on PRSI contributions and is payable for only a year at which point the recipient is transferred to the means tested JSA - most SW are means tested how exactly do you expect people to provide for their children when the State has determined their income is already so low as to qualify them for welfare? Where is that extra 90 a week to come from? Or even an extra 45 a week when a person has no income beyond welfare?

    And before anyone jumps in with -'people shouldn't have children they can't afford' etc etc can I point out that Lone Parents - also means tested- is paid to divorced, widowed and separated parents not just people who had children outside of marriage - perhaps those people should have planned better eh? Plus I doubt if the majority of those in currently in receipt of JSA who have dependent children planned on loosing their jobs and becoming reliant on the State.

    I would also add - we need those children as they will be the ones paying the taxes etc in 20/30/40 years to fund the State, pay off our debts and fund our pensions.


  • Closed Accounts Posts: 3,892 ✭✭✭spank_inferno


    Bannasidhe wrote: »
    I would also add - we need those children as they will be the ones paying the taxes etc in 20/30/40 years to fund the State, pay off our debts and fund our pensions.

    I suppose we should be thanking you so!

    Your right though, it is not easy to raise a child.
    However being a parent is not supposed to be easy, the state is not there to make it so.


  • Registered Users, Registered Users 2 Posts: 19,218 ✭✭✭✭Bannasidhe


    I suppose we should be thanking you so!

    Your right though, it is not easy to raise a child.
    However being a parent is not supposed to be easy, the state is not there to make it so.

    It's my grandchildren you should thank - they are the ones who will be paying out in 20 years.

    The point of welfare is to provide the minimum needed. The figures show when it comes to providing an adequate level of support for children the State pays seriously below the minimum required even by conservative standards and makes up the shortfall via 'exceptional' needs payments.

    My point is that given the level of welfare rates per dependent child are so low, would it not make more sense to increase the rate per child and reduce the amount of exceptional need payments?

    As it stands HSE are paying exceptional needs via community welfare with a whole layer of bureaucracy in place to service that while the Dept of Social Protection pays Lone Parent, JSA etc with another layer of bureaucracy. It's really an insanely inefficient system which benefits those who know how to 'work it' but saves a few bob as those who do not know how to play the system never claim these exceptional needs payments even when they could really do need the extra help.

    We need a one stop shop, a level of payments for dependent children that reflects the actual costs and less dependency on exceptional needs payments for everyday items like children's clothes. A clothing allowance is required at the moment as people getting under 30 euro a week can just afford food for the child never mind clothes they will grow out of in weeks.


  • Registered Users, Registered Users 2 Posts: 19,049 ✭✭✭✭murphaph


    Bannasidhe wrote: »
    A clothing allowance is required at the moment as people getting under 30 euro a week can just afford food for the child never mind clothes they will grow out of in weeks.
    Surely the likes of clothing can be obtained for nothing second hand from charities, rather than bought new at taxpayers' expense?


  • Closed Accounts Posts: 21,727 ✭✭✭✭Godge


    Bannasidhe wrote: »
    The weekly rate for a dependent child is 29.80 - http://www.welfare.ie/EN/Topics/Budget/Bud12/Pages/bud12s21.aspx - if that is for a baby it has to cover food, nappies, endless laundry etc - all the costs associated with a small child. No doubt many here feel that is more then enough. However, it is the same rate for a 16 year old. Now, when my son was 16 he was 6 foot tall and eating me out of house and home ( no, I was not claiming SW before anyone asks :rolleyes:) and there is no way I could have fed, clothed, bought school books and uniforms, provided packed lunches etc on 29.80 a week.
    Does anyone honestly believe one can support a child, never mind a teenager, on 29.80 a week unless there are 'exceptional' payments? At the current child rate the need for extra payments is built into the system.


    Yes, people on SW also get Child Benefit - but so do those on 100,000/200,000 + k a year so the State obviously doesn't view CB as for children in 'need' but does expect those in need to use it to cover household costs while those in financially comfortable positions can just pop it into a bank account.


    Child Benefit is €140 per month. Dividing by four gives €35 per week. Adding back to €29.80 gives €64.80 per week. Yes, I could feed and clothe a teenager for €64.80 per week. School uniform and books are taken care of by the back-to-school allowance (another of the supplementary welfare allowances). Now, the child would not be wearing Abercrombie and Finch or sporting the latest iphone but I know many people on low wages supporting teenage children who would be overjoyed if they could say they had €64.80 a week to feed and clothe the child.

    You also need to remember that say, if you were a family with one teenage child, both parents on social welfare (one JSB plus dependent adult plus dependent child), that you would be eligible for another €98.04 per week in terms of family income supplement, a figure that goes up by another €57.60 for the second child and €60.60 for the third child.

    So when you add the child dependent allowance to the child benefit and the family income supplement, the family has €162.84 per week for that teenage son. I think that is a lot more than the €29.80 you mention. It is certainly more than many working people have to spend on their teenage children.


    P.S. hadn't seen your second post that put the cost of raising a child at €120.19 per week. Given that we are handing over at least €162.84 per week in various social welfare payments (not counting communion payments, back-to-school payments and other emergency payments) according to your figure of €120.19, there is scope for a cutback of at least €40 per week in F.I.S. and/or child benefit.


  • Registered Users, Registered Users 2 Posts: 19,218 ✭✭✭✭Bannasidhe


    murphaph wrote: »
    Surely the likes of clothing can be obtained for nothing second hand from charities, rather than bought new at taxpayers' expense?

    Yes, they can. And children grow and are active and messy so clothes, regardless of where they are bought, need to be constantly replaced. Even if the clothes cost no more then a fiver for a complete outfit - how many outfits does the average toddler for example need for a week? One? Two? Three?

    Lets look at a fairly 'average' family (not on SW BTW):

    My granddaughter is 5 1/2 - she has a school uniform and tracksuit plus she needs clothes to change in to when she gets home. As she is extremely neat and tidy she could wear the same after school clothes 2 days in a row - so lets say she 'needs' uniform/tracksuit plus 4 outfits plus knickers and vests - (should underware be bought in charity shops also?:eek:). She is growing, but not shooting up, so her clothes fit her for about 3 months before they need replacing. So at a very conservative fiver per outfit, changing her clothes every 2 days and not allowing for her to get 'dirty' that's 20 euro every 3 months for clothes not including underware or factoring in school holidays when a clean outfit would be needed every day.

    Her 2 year old brother is a pig pen who wipes everything on his clothes, is a fast growing active lad and still wears nappies. He also has a huge appetite. He needs either 2 outfits a day or a constantly going washing machine :rolleyes:) which he grows out of within a month (currently wearing 'aged 4' clothes) and no - he's not fat, he's tall. So his basic clothing costs per month at our charity shop fiver an outfit is between 25-50 per month - or 30 plus increased electricity costs to pay for the clothes washing.

    Plus - has Ireland now come to the point where the children of the unemployed should not be allowed any new clothes? Not even from Pennies? :confused:


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  • Closed Accounts Posts: 21,727 ✭✭✭✭Godge


    Bannasidhe wrote: »
    Do you have a link which shows comparable costs of childcare? Level of childcare provision etc?

    The exchange of comments arose because I made a statement that our social welfare system was the best in the world and that nobody could produce a comparison from a reputable international organisation to show differently. I was asked to justify my statement which I did.

    Now you are trying to move the goalposts when really, when it comes to figures, I wish someone would provide a link to anything that shows our social welfare system is anything other than very generous.


  • Closed Accounts Posts: 6,388 ✭✭✭gbee


    Sleepy wrote: »
    a) living in social housing - ergo Council's responsibility to pay

    I'm in a council house, we all got letters saying we were responsible for the repairs and maintenance and the maintenance department was closed.


  • Closed Accounts Posts: 21,727 ✭✭✭✭Godge


    Bannasidhe wrote: »
    Yes, they can. And children grow and are active and messy so clothes, regardless of where they are bought, need to be constantly replaced. Even if the clothes cost no more then a fiver for a complete outfit - how many outfits does the average toddler for example need for a week? One? Two? Three?

    Lets look at a fairly 'average' family (not on SW BTW):

    My granddaughter is 5 1/2 - she has a school uniform and tracksuit plus she needs clothes to change in to when she gets home. As she is extremely neat and tidy she could wear the same after school clothes 2 days in a row - so lets say she 'needs' uniform/tracksuit plus 4 outfits plus knickers and vests - (should underware be bought in charity shops also?:eek:). She is growing, but not shooting up, so her clothes fit her for about 3 months before they need replacing. So at a very conservative fiver per outfit, changing her clothes every 2 days and not allowing for her to get 'dirty' that's 20 euro every 3 months for clothes not including underware or factoring in school holidays when a clean outfit would be needed every day.

    Her 2 year old brother is a pig pen who wipes everything on his clothes, is a fast growing active lad and still wears nappies. He also has a huge appetite. He needs either 2 outfits a day or a constantly going washing machine :rolleyes:) which he grows out of within a month (currently wearing 'aged 4' clothes) and no - he's not fat, he's tall. So his basic clothing costs per month at our charity shop fiver an outfit is between 25-50 per month - or 30 plus increased electricity costs to pay for the clothes washing.

    Plus - has Ireland now come to the point where the children of the unemployed should not be allowed any new clothes? Not even from Pennies? :confused:

    I have had three children and about 20 nieces and nephews. All of them have worn hand-me-downs. We are all used to carting bages of clothese from one house to another. Some of them grew out of clothes within three months but not every three months and only out of the hand-me-downs because we always bought a size bigger when buying new clothes, amazing what a few safety pins can do with children's clothes. If your five and a half-year old granddaughter is wearing age six clothes and grows out of them every three months, by the time she is seven and a half she will be wearing age 14 clothes. (7, 8, 9, 10, 11, 12, 13, 14). That is clearly not possible and even if true, she won't grow out of clothes for many years after that.


  • Registered Users, Registered Users 2 Posts: 14,005 ✭✭✭✭AlekSmart


    Bannasidhe wrote: »
    http://www.irishtimes.com/newspaper/features/2010/0913/1224278755577.html

    And before anyone jumps in with -'people shouldn't have children they can't afford' etc etc can I point out that Lone Parents - also means tested- is paid to divorced, widowed and separated parents not just people who had children outside of marriage - perhaps those people should have planned better eh?

    I would also add - we need those children as they will be the ones paying the taxes etc in 20/30/40 years to fund the State, pay off our debts and fund our pensions.

    Do you have,or know of any available Stats to define this breakdown of LPA ?

    You do have a valid point however,but it also swings back in the oposite direction,as in a somewhat more diligent approach to satisfying the "Lone Parent" requirement,as in NON C0-Habitating.

    I'm afraid that no matter how we attempt to stack the thing up,a system which allows,nay encourages two teenagers to leave school, have children,enrol for a variety of Fás schemes and progress via a combination of Job Seekers and/or Lone Parent Allowance,Private Rented Accomodation Allowance and the odd supplementary payment,surely cannot be described as sustainable ?

    Unfortunately the more realistic prospect for those children you speak of is that they will simply follow in their parents footsteps,which will make their contribution to your debts and pension fairly small....:rolleyes:


    Men, it has been well said, think in herds; it will be seen that they go mad in herds, while they only recover their senses slowly, and one by one.

    Charles Mackay (1812-1889)



  • Registered Users, Registered Users 2 Posts: 19,218 ✭✭✭✭Bannasidhe


    Godge wrote: »
    The exchange of comments arose because I made a statement that our social welfare system was the best in the world and that nobody could produce a comparison from a reputable international organisation to show differently. I was asked to justify my statement which I did.

    Now you are trying to move the goalposts when really, when it comes to figures, I wish someone would provide a link to anything that shows our social welfare system is anything other than very generous.

    It is generous in some ways - and penny pinching in others. The provision of child benefit to every child in the country (and some who arn't) regardless of the parent's income is extremely generous.
    The provision of medical health cards to pensioners over 70 whose income is less the 700 (single)/1400 (couple) pw gross is generous.

    29.80 per dependent child to be supplemented by CB which wealthy people enjoy as absolutely disposable income is penny pinching.

    However, to compare 'rules' on Lone Parent payments from different countries without also comparing factors like cost/provision of childcare is not to compare like for like. Pointing this out is not moving goalposts (what is the obsession with bloody goalposts and their location on this site?!?!?) it is saying you are not necessarily comparing apples and apples (or oranges and oranges for that matter :p)
    There is a direct link between childcare provision and access for parents to paid employment. Across the EU, more than 6 million women aged 25-49 say they are forced into not working, or can only work part-time, because of their family responsibilities. For more than a quarter of them, lack of childcare facilities – or their cost – is the main problem. Access to good quality, affordable childcare operating at hours to suit parents and children is thus key to facilitating women's access to the labour market.
    Allowing parents to work can also help avoid in-work poverty and reduce poverty in single-parent households, which suffer a much higher poverty rate (32%) than that for all households with a child (17%).
    http://ec.europa.eu/social/main.jsp?langId=en&catId=89&newsId=404

    BTW - here is a comparison of percentage of income spent on childcare:
    article-0-0AE2657B000005DC-534_468x350.jpg

    In Ireland children are 'entitled' to 1 year 'free' pre-school - in reality this consists of 3 1/2 per day during school term-time- either morning or afternoon. So a lone parent availing of this largesse would either be limited to 3 hours work per day or need to find not only childcare but some one willing to drop off/ collect the child. It seems as if this provision is about to be cut -http://www.mychildcare.ie/scrap_ecce.asp

    Childcare cost vary greatly but still require a base level of income just to allow the parent to go to work
    For full-time care for a baby aged six months, the average price across all regions was €191 per week. At €155 per week, the cheapest childcare for this arrangement was in Waterford and Sligo while the highest weekly rate was €233 in Swords, Co Dublin...

    Average prices for full-time care for a toddler ranged from €145 in Sligo to €220 in Dublin 6 and 6W. The largest differential in the same region was found in Cork where the cost of full-time care for a toddler ranged from €170 to €235 per week, a difference of 35 per cent per week. Letterkenny recorded the smallest variation with prices ranging from €155 to €165 per week, a difference of just 6 per cent.

    The average price across all areas for care covering three days a week for a toddler aged 28 months was €126 per week
    . Between areas, average prices ranged from €97 in Sligo to €165 in Dublin 6 and 6W, a difference of 70 per cent...
    http://www.irishtimes.com/newspaper/ireland/2011/0211/1224289523334.html


  • Registered Users, Registered Users 2 Posts: 14,005 ✭✭✭✭AlekSmart


    Godge wrote: »
    The exchange of comments arose because I made a statement that our social welfare system was the best in the world and that nobody could produce a comparison from a reputable international organisation to show differently. I was asked to justify my statement which I did.

    Now you are trying to move the goalposts when really, when it comes to figures, I wish someone would provide a link to anything that shows our social welfare system is anything other than very generous.

    I suspect Godge,that many many people are just refusing to accept the reality of their needs being met by an unseen,ever compliant official entity as the DSP has become.

    Our Social Support systems are indeed comparable on a stand alone basis with most European and perhaps even Worldwide systems.

    Where our Social Welfare has been particularly above par is in the sheer spread of its benefits,particularly to claimants with little or no contributory history.

    This nutty,singluarly Irish concept,is perhaps best manifested in the sheer scale of befuddlement which surrounds a recent life-long working person as they first enter the Social Welfare arena.

    Here,they find that their ignorance of the system can accutely disenfranchise them from accessing the benefits they have already paid for,whilst they can only stare on disbelief as Long-Termers enthusiastically work the thing to exhaustion.

    This continual supping from a well which has a dramatically falling rate of replenishment can only have one result-The Well Runs DRY.

    This recession/depression is only getting started in terms of the changes which dear old Ireland will see,and it's not going to be easy :(


    Men, it has been well said, think in herds; it will be seen that they go mad in herds, while they only recover their senses slowly, and one by one.

    Charles Mackay (1812-1889)



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  • Registered Users, Registered Users 2 Posts: 19,218 ✭✭✭✭Bannasidhe


    Godge wrote: »
    I have had three children and about 20 nieces and nephews. All of them have worn hand-me-downs. We are all used to carting bages of clothese from one house to another. Some of them grew out of clothes within three months but not every three months and only out of the hand-me-downs because we always bought a size bigger when buying new clothes, amazing what a few safety pins can do with children's clothes. If your five and a half-year old granddaughter is wearing age six clothes and grows out of them every three months, by the time she is seven and a half she will be wearing age 14 clothes. (7, 8, 9, 10, 11, 12, 13, 14). That is clearly not possible and even if true, she won't grow out of clothes for many years after that.

    Granddaughter is grateful recipient of a large bag of very girly and pink second hand clothes just last week. Never said she was wearing aged 6 clothes - please read the posts properly before launching an attack based on what you think I wrote.

    Sadly, we are a small family with no boys but should his parents need to claim SW in the future we can put grandson in the then 3rd hand frocks and pink tights.

    But hell yes -lets give exceptional needs payments for the safety pins to hold the poor folks clothes together.


  • Registered Users, Registered Users 2 Posts: 14,005 ✭✭✭✭AlekSmart


    Bannasidhe wrote: »
    It is generous in some ways - and penny pinching in others. The provision of child benefit to every child in the country (and some who arn't) regardless of the parent's income is extremely generous.
    The provision of medical health cards to pensioners over 70 whose income is less the 700 (single)/1400 (couple) pw gross is generous.

    29.80 per dependent child to be supplemented by CB which wealthy people enjoy as absolutely disposable income is penny pinching.

    However, to compare 'rules' on Lone Parent payments from different countries without also comparing factors like cost/provision of childcare is not to compare like for like. Pointing this out is not moving goalposts (what is the obsession with bloody goalposts and their location on this site?!?!?) it is saying you are not necessarily comparing apples and apples (or oranges and oranges for that matter :p)

    http://ec.europa.eu/social/main.jsp?langId=en&catId=89&newsId=404

    BTW - here is a comparison of percentage of income spent on childcare:
    article-0-0AE2657B000005DC-534_468x350.jpg

    In Ireland children are 'entitled' to 1 year 'free' pre-school - in reality this consists of 3 1/2 per day during school term-time- either morning or afternoon. So a lone parent availing of this largesse would either be limited to 3 hours work per day or need to find not only childcare but some one willing to drop off/ collect the child. It seems as if this provision is about to be cut -http://www.mychildcare.ie/scrap_ecce.asp

    Childcare cost vary greatly but still require a base level of income just to allow the parent to go to work
    http://www.irishtimes.com/newspaper/ireland/2011/0211/1224289523334.html

    Perhaps I'm wrong,but all I'm sensing here is another "Off wit their Heads" diatribe against Rich Folks having access to Childrens Allowance.

    This is usually put forward as some magic formula which will suddenly see the Po' folks get their "entitlements" if only the State will cut the wealthy elite adrift...if only...:o

    The shake-down required to acheive this desired result would see a significant number of employed,contributing class parents losing their entltlement to Childrens Allowance.

    The reality is that Ireland is not dripping with Micheal O Leary's,Denis Desmonds,MJ Smurfits,Pat Kennys et al.....this grouping remains miniscule in the greater scheme of DSP payment recipients,so small that I would suggest it would cost more to administer their removal from the system than could be saved as a result.

    Whilst that particular EU report is nicely structured and in favour of good positive stuff,it's another issue how the aspirations can be funded in the context of a bankrupt member state,or even of the Union itself ?

    For me the most apposite comment in the report is at the beginning.....
    Finally, against the background of the current demographic slowdown in Europe, provision of adequate childcare is an incentive to plan a family. Those Member States with the highest birth rates are also those which have done most to facilitate work-life balance for parents and which have a high rate of female employment. Although there has been some progress, a lot still needs to be done to achieve satisfactory levels of childcare provision, particularly for children under three.


    Men, it has been well said, think in herds; it will be seen that they go mad in herds, while they only recover their senses slowly, and one by one.

    Charles Mackay (1812-1889)



  • Closed Accounts Posts: 21,727 ✭✭✭✭Godge


    Bannasidhe wrote: »
    Granddaughter is grateful recipient of a large bag of very girly and pink second hand clothes just last week. Never said she was wearing aged 6 clothes - please read the posts properly before launching an attack based on what you think I wrote.

    Sadly, we are a small family with no boys but should his parents need to claim SW in the future we can put grandson in the then 3rd hand frocks and pink tights.

    But hell yes -lets give exceptional needs payments for the safety pins to hold the poor folks clothes together.

    You seem to regard every counter-argument as an attack. That is not the case. If you make clear statements that do not stand up to scrutiny, expect them to be challenged. Look again at your post.
    Bannasidhe wrote: »
    She is growing, but not shooting up, so her clothes fit her for about 3 months before they need replacing. So at a very conservative fiver per outfit, changing her clothes every 2 days and not allowing for her to get 'dirty' that's 20 euro every 3 months for clothes not including underware or factoring in school holidays when a clean outfit would be needed every day.

    You say your grand-daughter grows out of her clothes every three months so it was a reasonable assumption that she was wearing age six clothes at five-and-a half. Forgive me if I got it wrong that she is wearing age six clothes but the only way I got it wrong is if the statement that she is growing out of the clothes every three months is an exaggeration at best and a lie at worst.

    Let me assume for a minute that I am wrong and that she is wearing age 4 clothes at five-and-a-half. By the time she is 8 and a half, she will be wearing age 16 clothes, I think some shops still do those but most have switched to adult (5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16 are the changes every three months) so clearly your statement that new clothes will be needed every three months is false. Why should demonstrating that a statement made is false be deemed an attack? I am only analysing the factual basis for the statement.

    As for your grandson, it does not have to be just family that hand down children's clothes. It happens with neighbours and friends in my area as well. It is something that lower middle-class people in this country have had to do for years because they don't qualify for supplementary welfare allowance or clothes grants from the HSE. It is also why they use Tesco nappies instead of the Pampers handed out by the HSE.

    As for the safety pins, again, if it is good enough for working people to buy bigger clothes and take them up or take them in (yes, using safety pins) why isn't it good enough for social welfare recipients to do the same?????


  • Registered Users, Registered Users 2 Posts: 14,005 ✭✭✭✭AlekSmart


    The truth of the matter is that these payments are made to people cause they genuinely need the money.

    The payments of these havent been an issue to past 10-12 years and now the well has run dry the it comes to light.

    We should be debating why are we paying 1 billion here and 1 billion there too insercured bond holders..

    The Govt PR spin is working well.... The INDO and Rte have the lower classes right where they want them...

    I beg to differ there .

    There has always been a healthy,but usually swiftly derided,undercurrent of negative comment about these Payments.

    It only took one questioning letter or newspaper article to draw down a fusilade of wrath from various quasi-autonomous agencies who'se job it is to look after the needs of the forgotten poor etc etc.

    This issue goes waay beyond the "Burn the Bondholders" knee-jerkism,the two are only linked by an acccident of timeline.

    There is now a never ending debate about Bondholders of all sorts,not all of it intelligent or of much import,BUT it is being debated to the heavens.

    If it were about PR,then I'd suggest the current PR advisers to both the organs you mention should be sacked,as they have spectacularly failed to successfully get the message of realism across,as the remark about the Lower Classes illustrates so graphically.


    Men, it has been well said, think in herds; it will be seen that they go mad in herds, while they only recover their senses slowly, and one by one.

    Charles Mackay (1812-1889)



  • Registered Users, Registered Users 2 Posts: 2,892 ✭✭✭Head The Wall


    Bannasidhe wrote: »
    It's my grandchildren you should thank - they are the ones who will be paying out in 20 years.

    Who in their right mind really expects to collect an oap in 20 years time, I won't feel beholden to anyone as I am providing for my own future.


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  • Closed Accounts Posts: 21,727 ✭✭✭✭Godge


    Bannasidhe wrote: »
    It is generous in some ways - and penny pinching in others. The provision of child benefit to every child in the country (and some who arn't) regardless of the parent's income is extremely generous.
    The provision of medical health cards to pensioners over 70 whose income is less the 700 (single)/1400 (couple) pw gross is generous.

    29.80 per dependent child to be supplemented by CB which wealthy people enjoy as absolutely disposable income is penny pinching.

    However, to compare 'rules' on Lone Parent payments from different countries without also comparing factors like cost/provision of childcare is not to compare like for like. Pointing this out is not moving goalposts (what is the obsession with bloody goalposts and their location on this site?!?!?) it is saying you are not necessarily comparing apples and apples (or oranges and oranges for that matter :p)

    http://ec.europa.eu/social/main.jsp?langId=en&catId=89&newsId=404

    BTW - here is a comparison of percentage of income spent on childcare:
    article-0-0AE2657B000005DC-534_468x350.jpg

    In Ireland children are 'entitled' to 1 year 'free' pre-school - in reality this consists of 3 1/2 per day during school term-time- either morning or afternoon. So a lone parent availing of this largesse would either be limited to 3 hours work per day or need to find not only childcare but some one willing to drop off/ collect the child. It seems as if this provision is about to be cut -http://www.mychildcare.ie/scrap_ecce.asp

    Childcare cost vary greatly but still require a base level of income just to allow the parent to go to work
    http://www.irishtimes.com/newspaper/ireland/2011/0211/1224289523334.html


    The information you provide is a strong argument for reducing the age at which OPS is provided down to European levels (somewhere between 3 and 5) from age 14 in Ireland at present and using some of the money saved to subsidies childcare for those at work. Seems like a good idea. It addresses the point you quoted which said:

    "There is a direct link between childcare provision and access for parents to paid employment. Across the EU, more than 6 million women aged 25-49 say they are forced into not working, or can only work part-time, because of their family responsibilities. For more than a quarter of them, lack of childcare facilities – or their cost – is the main problem. Access to good quality, affordable childcare operating at hours to suit parents and children is thus key to facilitating women's access to the labour market"

    The rest of the money saved could be used to cut the budget deficit.


  • Closed Accounts Posts: 21,727 ✭✭✭✭Godge


    The truth of the matter is that these payments are made to people cause they genuinely need the money.

    The payments of these havent been an issue to past 10-12 years and now the well has run dry the it comes to light.

    We should be debating why are we paying 1 billion here and 1 billion there too insercured bond holders..

    The Govt PR spin is working well.... The INDO and Rte have the lower classes right where they want them...

    A pity that they weren't an issue for the last 10-12 years. A billion a year saved on supplementary welfare allowance for the last 10-12 years would have been a big help towards reducing the deficit.


  • Registered Users, Registered Users 2 Posts: 19,218 ✭✭✭✭Bannasidhe


    AlekSmart wrote: »
    Perhaps I'm wrong,but all I'm sensing here is another "Off wit their Heads" diatribe against Rich Folks having access to Childrens Allowance.

    This is usually put forward as some magic formula which will suddenly see the Po' folks get their "entitlements" if only the State will cut the wealthy elite adrift...if only...:o

    The shake-down required to acheive this desired result would see a significant number of employed,contributing class parents losing their entltlement to Childrens Allowance.

    The reality is that Ireland is not dripping with Micheal O Leary's,Denis Desmonds,MJ Smurfits,Pat Kennys et al.....this grouping remains miniscule in the greater scheme of DSP payment recipients,so small that I would suggest it would cost more to administer their removal from the system than could be saved as a result.

    Whilst that particular EU report is nicely structured and in favour of good positive stuff,it's another issue how the aspirations can be funded in the context of a bankrupt member state,or even of the Union itself ?

    For me the most apposite comment in the report is at the beginning.....

    You are wrong.

    Simply pointing out an area where SW is extremely generous towards those not in need while simultaneously reducing benefits to those who genuinely need them.

    After all - we are heading for bankruptcy so ever little cut in unessential expenditure counts.


  • Registered Users, Registered Users 2 Posts: 19,218 ✭✭✭✭Bannasidhe


    Godge wrote: »
    You seem to regard every counter-argument as an attack. That is not the case. If you make clear statements that do not stand up to scrutiny, expect them to be challenged. Look again at your post.



    You say your grand-daughter grows out of her clothes every three months so it was a reasonable assumption that she was wearing age six clothes at five-and-a half. Forgive me if I got it wrong that she is wearing age six clothes but the only way I got it wrong is if the statement that she is growing out of the clothes every three months is an exaggeration at best and a lie at worst.

    Let me assume for a minute that I am wrong and that she is wearing age 4 clothes at five-and-a-half. By the time she is 8 and a half, she will be wearing age 16 clothes, I think some shops still do those but most have switched to adult (5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16 are the changes every three months) so clearly your statement that new clothes will be needed every three months is false. Why should demonstrating that a statement made is false be deemed an attack? I am only analysing the factual basis for the statement.

    As for your grandson, it does not have to be just family that hand down children's clothes. It happens with neighbours and friends in my area as well. It is something that lower middle-class people in this country have had to do for years because they don't qualify for supplementary welfare allowance or clothes grants from the HSE. It is also why they use Tesco nappies instead of the Pampers handed out by the HSE.

    As for the safety pins, again, if it is good enough for working people to buy bigger clothes and take them up or take them in (yes, using safety pins) why isn't it good enough for social welfare recipients to do the same?????

    FFS - nobody is saying children grow continually - bit toddlers do grow quickly!!! It was an illustration based on the two children I see every week, and the amount of clothes they need based on their current need. Honestly is quibbling about children's growth rates the best response you can come up with.

    My grandchildren do not need State help to cloth them - other's are not so fortunate.

    I'm middle class, my son wore 2nd hand clothes, I never claimed a penny from the State for him bar child benefit - which back in the 80s was not at the levels it is now.

    I am saying the way the system is set up - particularly as regards children - it pushes people into having to claim exceptional need payments as the amount of provision for children in terms of the weekly rate is not sufficient to meet basic needs. I am advocating increasing the weekly rate and severely reducing the categories for which exceptional payments - and abolishing things such as clothing allowances - are paid. I am also questioning why the whole thing doesn't come under the remit of one department only - not spread out necessitating at least 2 sets of administrators, paper work etc.

    Would you care to address those points or do you want to continue on the red herring of children's growth patterns?


  • Closed Accounts Posts: 21,727 ✭✭✭✭Godge


    Bannasidhe wrote: »
    FFS - nobody is saying children grow continually - bit toddlers do grow quickly!!! It was an illustration based on the two children I see every week, and the amount of clothes they need based on their current need. Honestly is quibbling about children's growth rates the best response you can come up with.

    My grandchildren do not need State help to cloth them - other's are not so fortunate.

    I'm middle class, my son wore 2nd hand clothes, I never claimed a penny from the State for him bar child benefit - which back in the 80s was not at the levels it is now.

    I am saying the way the system is set up - particularly as regards children - it pushes people into having to claim exceptional need payments as the amount of provision for children in terms of the weekly rate is not sufficient to meet basic needs. I am advocating increasing the weekly rate and severely reducing the categories for which exceptional payments - and abolishing things such as clothing allowances - are paid. I am also questioning why the whole thing doesn't come under the remit of one department only - not spread out necessitating at least 2 sets of administrators, paper work etc.

    Would you care to address those points or do you want to continue on the red herring of children's growth patterns?


    I didn't introduce the red herring of children's growth patterns, you did!!?! :confused: You used it to justify social welfare recipients needing money to pay for clothes every three months so you were saying that children grow continuously! Read your own posts.

    As for debating the main points - see below from two pages ago where I set out the full information regarding payments to a couple on social welfare with one teenager and show that the amount they get - €164 - is greater than the amount - €120 - you claimed in a previous post that they needed.

    The €29.80 is a complete red herring as it only applies in a family where one parent is working. In other families, where both parents are not working, FIS makes up a big difference.


    Godge wrote: »
    Child Benefit is €140 per month. Dividing by four gives €35 per week. Adding back to €29.80 gives €64.80 per week. Yes, I could feed and clothe a teenager for €64.80 per week. School uniform and books are taken care of by the back-to-school allowance (another of the supplementary welfare allowances). Now, the child would not be wearing Abercrombie and Finch or sporting the latest iphone but I know many people on low wages supporting teenage children who would be overjoyed if they could say they had €64.80 a week to feed and clothe the child.

    You also need to remember that say, if you were a family with one teenage child, both parents on social welfare (one JSB plus dependent adult plus dependent child), that you would be eligible for another €98.04 per week in terms of family income supplement, a figure that goes up by another €57.60 for the second child and €60.60 for the third child.

    So when you add the child dependent allowance to the child benefit and the family income supplement, the family has €162.84 per week for that teenage son. I think that is a lot more than the €29.80 you mention. It is certainly more than many working people have to spend on their teenage children.


    P.S. hadn't seen your second post that put the cost of raising a child at €120.19 per week. Given that we are handing over at least €162.84 per week in various social welfare payments (not counting communion payments, back-to-school payments and other emergency payments) according to your figure of €120.19, there is scope for a cutback of at least €40 per week in F.I.S. and/or child benefit.


  • Registered Users, Registered Users 2 Posts: 19,218 ✭✭✭✭Bannasidhe


    Godge wrote: »
    I didn't introduce the red herring of children's growth patterns, you did!!?! :confused: You used it to justify social welfare recipients needing money to pay for clothes every three months so you were saying that children grow continuously! Read your own posts.

    As for debating the main points - see below from two pages ago where I set out the full information regarding payments to a couple on social welfare with one teenager and show that the amount they get - €164 - is greater than the amount - €120 - you claimed in a previous post that they needed.

    The €29.80 is a complete red herring as it only applies in a family where one parent is working. In other families, where both parents are not working, FIS makes up a big difference.

    You are incorrect.

    FIS is a mechanism to supplement income when at least one parent is working but that income falls below a certain level. If both parents are unemployed FIS is not applicable.

    Family Income Supplement (FIS) is a weekly tax-free payment available to employees with children. It gives extra financial support to people on low pay. You cannot qualify for FIS if you are only self-employed - you must be an employee to qualify.

    You must have at least one child who normally lives with you or is financially supported by you. Your child must be under 18 years of age or between 18 and 22 years of age and in full-time education.

    To qualify for FIS, your net average weekly family income must be below a certain amount for your family size. The FIS you receive is 60% of the difference between your net family income and the income limit which applies to your family. For more information about net family income see ‘Rates’ below.

    FIS income limits in 2012:
    If you have: And your weekly family income is less than:
    One child €506
    Two children €602
    Three children €703
    Four children €824
    Five children €950
    Six children €1,066
    Seven children €1,202
    Eight children €1,298

    You cannot get FIS if you are getting one of the following social welfare payments:

    Jobseeker's Benefit or Jobseeker's Allowance
    State Pension (Transition), or Pre-Retirement Allowance

    If your spouse, civil partner or cohabitant is getting one of these payments, you can qualify for FIS. However, their social welfare payment will be assessed as income for FIS purposes. If you qualify for FIS they will no longer receive a payment for you and any Increase for a Qualified Child will be affected.

    For those completely dependent on SW for their income 29.80 is not a red herring - it is the weekly rate payable per child.

    One Parent Family - adult rate 188. Child rate 29.80.

    http://www.citizensinformation.ie/en/social_welfare/social_welfare_payments/social_welfare_payments_to_families_and_children/one_parent_family_payment.html#l62fd2

    Jobseeker Allowance rates from January 2012
    Maximum rate for people aged 25 or over
    New and existing claimants

    Personal rate Increase for a qualified adult Increase for a qualified child
    €188 €124.80 €29.80
    http://www.citizensinformation.ie/en/social_welfare/social_welfare_payments/unemployed_people/jobseekers_allowance.html#l62fd2


  • Closed Accounts Posts: 21,727 ✭✭✭✭Godge


    Bannasidhe wrote: »
    You are incorrect.

    FIS is a mechanism to supplement income when at least one parent is working but that income falls below a certain level. If both parents are unemployed FIS is not applicable.

    Family Income Supplement (FIS) is a weekly tax-free payment available to employees with children. It gives extra financial support to people on low pay. You cannot qualify for FIS if you are only self-employed - you must be an employee to qualify.

    You must have at least one child who normally lives with you or is financially supported by you. Your child must be under 18 years of age or between 18 and 22 years of age and in full-time education.

    To qualify for FIS, your net average weekly family income must be below a certain amount for your family size. The FIS you receive is 60% of the difference between your net family income and the income limit which applies to your family. For more information about net family income see ‘Rates’ below.

    FIS income limits in 2012:
    If you have: And your weekly family income is less than:
    One child €506
    Two children €602
    Three children €703
    Four children €824
    Five children €950
    Six children €1,066
    Seven children €1,202
    Eight children €1,298

    You cannot get FIS if you are getting one of the following social welfare payments:

    Jobseeker's Benefit or Jobseeker's Allowance
    State Pension (Transition), or Pre-Retirement Allowance

    If your spouse, civil partner or cohabitant is getting one of these payments, you can qualify for FIS. However, their social welfare payment will be assessed as income for FIS purposes. If you qualify for FIS they will no longer receive a payment for you and any Increase for a Qualified Child will be affected.

    For those completely dependent on SW for their income 29.80 is not a red herring - it is the weekly rate payable per child.

    One Parent Family - adult rate 188. Child rate 29.80.

    http://www.citizensinformation.ie/en/social_welfare/social_welfare_payments/social_welfare_payments_to_families_and_children/one_parent_family_payment.html#l62fd2

    Jobseeker Allowance rates from January 2012
    Maximum rate for people aged 25 or over
    New and existing claimants

    Personal rate Increase for a qualified adult Increase for a qualified child
    €188 €124.80 €29.80
    http://www.citizensinformation.ie/en/social_welfare/social_welfare_payments/unemployed_people/jobseekers_allowance.html#l62fd2


    Fair enough. I will read and examine and reply.


  • Registered Users, Registered Users 2 Posts: 8,633 ✭✭✭dublinman1990


    Godge wrote: »
    The exchange of comments arose because I made a statement that our social welfare system was the best in the world and that nobody could produce a comparison from a reputable international organisation to show differently. I was asked to justify my statement which I did.

    Now you are trying to move the goalposts when really, when it comes to figures, I wish someone would provide a link to anything that shows our social welfare system is anything other than very generous.

    Godge, Here is another development, provided with a link, that should address the current SW system at the moment. However the Minimum Wage is factored into this as well for those who are working part or full time.

    http://www.rte.ie/news/2012/0206/jobseekers.html

    This makes for grim reading IMO. The notion that you can't live on a minimum wage, living with some dignity of having a job combined with SW is a depressing development to go through.

    Boards.ie have a thread up and running on this already.

    http://www.boards.ie/vbulletin/showthread.php?t=2056540874


  • Registered Users, Registered Users 2 Posts: 19,218 ✭✭✭✭Bannasidhe


    Godge, Here is another development, provided with a link, that should address the current SW system at the moment. However the Minimum Wage is factored into this as well for those who are working part or full time.

    http://www.rte.ie/news/2012/0206/jobseekers.html

    This makes for grim reading IMO. The notion that you can't live on a minimum wage, living with some dignity of having a job combined with SW is a depressing development to go through.

    Boards.ie have a thread up and running on this already.

    http://www.boards.ie/vbulletin/showthread.php?t=2056540874

    One of the authors of that report appears to agree with what I have been saying re: level of payments for child dependent although I disagree that this should be done through a universal payment like Child Benefit.
    Another of the report's authors, D Bernadette MacMahon, said that expenses vary depending on a child's age, and child benefit payments should reflect this.

    "Babies cost a lot," she said. "Also, once you have a child in secondary school, then there's an enormous difference, enormous increase in expenditure.

    "We are asking that social welfare, especially child benefit, be age-related."
    Read more: http://www.examiner.ie/breakingnews/ireland/many-welfare-and-minimum-wage-households-failing-to-reach-minimum-standards-of-living-538804.html#ixzz1lcrokQhT


  • Closed Accounts Posts: 240 ✭✭NWPat


    Godge wrote: »
    Fair enough. I will read and examine and reply.

    Why not do your research first?


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