Gareth Morgan - Ferret
@ferrinfo.bsky.social
CEO of Ferret Information Systems - benefits advice systems and training specialists. Blogs with boring numbers at https://benefitsinthefuture.com/. Models the effects of tax and benefits systems. Waves a sword in 17c reenactments.
Reposted by Gareth Morgan - Ferret
Have only seen what's quoted here but I'm sure NC's right that 'failures' to report changes of circumstance were the main driver of the overpayment issues. A system that imposes major compliance costs on claimants and draconian responses to breaches will do that. www.theguardian.com/society/2025...
Senior DWP civil servant blames victims for carer’s allowance scandal
Neil Couling said failings by individual claimants ‘at the heart’ of crisis, despite a report finding DWP shortcomings ‘unacceptable’
www.theguardian.com
December 6, 2025 at 10:26 PM
Have only seen what's quoted here but I'm sure NC's right that 'failures' to report changes of circumstance were the main driver of the overpayment issues. A system that imposes major compliance costs on claimants and draconian responses to breaches will do that. www.theguardian.com/society/2025...
The lifting of the 2 child limit makes a big difference to those working over 16 hours at NLW levels of earning. That’s particularly true where they are paying for childcare and the, largely unnoticed, lifting of the 2 child childcare limit applies. Politically, it’s a work incentive measure.
December 5, 2025 at 7:26 AM
The lifting of the 2 child limit makes a big difference to those working over 16 hours at NLW levels of earning. That’s particularly true where they are paying for childcare and the, largely unnoticed, lifting of the 2 child childcare limit applies. Politically, it’s a work incentive measure.
Reposted by Gareth Morgan - Ferret
Lies, Damned Lies and the Telegraph – Gareth Morgan.
I had not got my head around the two children rules until I heard from my friend Gareth Morgan at our webinar and from Alan Chaplin who highlighted this wondrous piece on social media. This piece is by Gareth Morgan on December 1, 2025 The…
I had not got my head around the two children rules until I heard from my friend Gareth Morgan at our webinar and from Alan Chaplin who highlighted this wondrous piece on social media. This piece is by Gareth Morgan on December 1, 2025 The…
Lies, Damned Lies and the Telegraph – Gareth Morgan.
I had not got my head around the two children rules until I heard from my friend Gareth Morgan at our webinar and from Alan Chaplin who highlighted this wondrous piece on social media. This piece is by Gareth Morgan on December 1, 2025 The abolition of the two-child benefit limit in the budget attracted a lot of comment. From the Government and its supporters came a stream of articles and postings lauding the action at the number of families and children that it will lift out of poverty.
henrytapper.com
December 3, 2025 at 5:00 AM
Lies, Damned Lies and the Telegraph – Gareth Morgan.
I had not got my head around the two children rules until I heard from my friend Gareth Morgan at our webinar and from Alan Chaplin who highlighted this wondrous piece on social media. This piece is by Gareth Morgan on December 1, 2025 The…
I had not got my head around the two children rules until I heard from my friend Gareth Morgan at our webinar and from Alan Chaplin who highlighted this wondrous piece on social media. This piece is by Gareth Morgan on December 1, 2025 The…
Reposted by Gareth Morgan - Ferret
Lies, Damned Lies and the Telegraph - Gareth Morgan. henrytapper.com/2025/12/03/l... The, much more than misleading, figures given in the ‘research’ and enlarged in the article are a sad indictment of a political assault masquerading as accurate reporting.
Lies, Damned Lies and the Telegraph – Gareth Morgan.
I had not got my head around the two children rules until I heard from my friend Gareth Morgan at our webinar and from Alan Chaplin who highlighted this wondrous piece on social media. This piece i…
henrytapper.com
December 3, 2025 at 7:47 AM
Lies, Damned Lies and the Telegraph - Gareth Morgan. henrytapper.com/2025/12/03/l... The, much more than misleading, figures given in the ‘research’ and enlarged in the article are a sad indictment of a political assault masquerading as accurate reporting.
Reposted by Gareth Morgan - Ferret
Lies, damned lies and the Telegraph. They posted CSJ figures using an outrageously false comparison of 2 cases. It claimed a benefits family were better off by £18k than a working household when the real figure was £16k worse off. The details benefitsinthefuture.com #benefits #budget
Benefits in the Future – Welfare reform commentary and analysis
Welfare reform commentary and analysis
benefitsinthefuture.com
December 1, 2025 at 8:27 PM
Lies, damned lies and the Telegraph. They posted CSJ figures using an outrageously false comparison of 2 cases. It claimed a benefits family were better off by £18k than a working household when the real figure was £16k worse off. The details benefitsinthefuture.com #benefits #budget
Reposted by Gareth Morgan - Ferret
I hope somebody will complain to IPSO about this (and the similar Express splash). If so this will be a very useful reference.
Lies, damned lies and the Telegraph. They posted CSJ figures using an outrageously false comparison of 2 cases. It claimed a benefits family were better off by £18k than a working household when the real figure was £16k worse off. The details benefitsinthefuture.com #benefits #budget
Benefits in the Future – Welfare reform commentary and analysis
Welfare reform commentary and analysis
benefitsinthefuture.com
December 1, 2025 at 9:56 PM
I hope somebody will complain to IPSO about this (and the similar Express splash). If so this will be a very useful reference.
Lies, damned lies and the Telegraph. They posted CSJ figures using an outrageously false comparison of 2 cases. It claimed a benefits family were better off by £18k than a working household when the real figure was £16k worse off. The details benefitsinthefuture.com #benefits #budget
Benefits in the Future – Welfare reform commentary and analysis
Welfare reform commentary and analysis
benefitsinthefuture.com
December 1, 2025 at 8:27 PM
Lies, damned lies and the Telegraph. They posted CSJ figures using an outrageously false comparison of 2 cases. It claimed a benefits family were better off by £18k than a working household when the real figure was £16k worse off. The details benefitsinthefuture.com #benefits #budget
Ending 2 child cap offers no help to those hit by OBC. No family in Wales with 3 kids escapes but add that to the new per-child childcare support and it's a real jump in support if you're earning over 16 x NLW. The better-off in-work numbers can look huge.
November 26, 2025 at 5:29 PM
Ending 2 child cap offers no help to those hit by OBC. No family in Wales with 3 kids escapes but add that to the new per-child childcare support and it's a real jump in support if you're earning over 16 x NLW. The better-off in-work numbers can look huge.
All purpose Budget post.
“I want to get more and pay less”.
“I want to get more and pay less”.
November 25, 2025 at 9:49 AM
All purpose Budget post.
“I want to get more and pay less”.
“I want to get more and pay less”.
If Welsh local authorities matched the best Pension Credit take up performance of a Welsh LA then this is the extra annual benefit that would go into pockets and the local economy. £29.5m a year!
#Wales #benefits #pensioners
#Wales #benefits #pensioners
November 3, 2025 at 2:14 PM
If Welsh local authorities matched the best Pension Credit take up performance of a Welsh LA then this is the extra annual benefit that would go into pockets and the local economy. £29.5m a year!
#Wales #benefits #pensioners
#Wales #benefits #pensioners
Is welfare rights work the reason some areas have double the Pension Credit take-up rate of others?
benefitsinthefuture.com/4092-2/ #pensions #benefits #older #takeup
benefitsinthefuture.com/4092-2/ #pensions #benefits #older #takeup
Big differences in Pension Credit take-up revealed – Benefits in the Future
The DWP have published some analysis, for the first time, which looks at Pension Credit take-up in a much more detailed manner. For the first time it’s possible to see local authority and Westminster ...
benefitsinthefuture.com
November 3, 2025 at 11:37 AM
Is welfare rights work the reason some areas have double the Pension Credit take-up rate of others?
benefitsinthefuture.com/4092-2/ #pensions #benefits #older #takeup
benefitsinthefuture.com/4092-2/ #pensions #benefits #older #takeup
Some areas see almost 90% of eligible Pension Credit paid but others only get 40%. Why and what’s different. benefitsinthefuture.com/4092-2/ #pensions #benefits #older
Big differences in Pension Credit take-up revealed – Benefits in the Future
The DWP have published some analysis, for the first time, which looks at Pension Credit take-up in a much more detailed manner. For the first time it’s possible to see local authority and Westminster ...
benefitsinthefuture.com
November 3, 2025 at 8:03 AM
Some areas see almost 90% of eligible Pension Credit paid but others only get 40%. Why and what’s different. benefitsinthefuture.com/4092-2/ #pensions #benefits #older
Reposted by Gareth Morgan - Ferret
Some areas see almost 90% of eligible Pension Credit paid but others only get 40%. Why and what’s different. benefitsinthefuture.com/4092-2/ #pensions #benefits
Big differences in Pension Credit take-up revealed – Benefits in the Future
The DWP have published some analysis, for the first time, which looks at Pension Credit take-up in a much more detailed manner. For the first time it’s possible to see local authority and Westminster ...
benefitsinthefuture.com
October 31, 2025 at 10:30 PM
Some areas see almost 90% of eligible Pension Credit paid but others only get 40%. Why and what’s different. benefitsinthefuture.com/4092-2/ #pensions #benefits
Reposted by Gareth Morgan - Ferret
"the best performing areas are those which have had a long record of active welfare rights work while those at the bottom have been more poorly resourced" @ferrinfo.bsky.social Gareth Morgan
Big differences in Pension Credit take-up revealed
Big differences in Pension Credit take-up revealed by Gareth Morgan on October 31, 2025 The DWP have published some analysis, for the first time, which looks at Pension Credit take-up in a much mor…
henrytapper.com
November 1, 2025 at 6:40 AM
"the best performing areas are those which have had a long record of active welfare rights work while those at the bottom have been more poorly resourced" @ferrinfo.bsky.social Gareth Morgan
Some areas see almost 90% of eligible Pension Credit paid but others only get 40%. Why and what’s different. benefitsinthefuture.com/4092-2/ #pensions #benefits
Big differences in Pension Credit take-up revealed – Benefits in the Future
The DWP have published some analysis, for the first time, which looks at Pension Credit take-up in a much more detailed manner. For the first time it’s possible to see local authority and Westminster ...
benefitsinthefuture.com
October 31, 2025 at 10:30 PM
Some areas see almost 90% of eligible Pension Credit paid but others only get 40%. Why and what’s different. benefitsinthefuture.com/4092-2/ #pensions #benefits
It’s suggested that the living wage could go up to £12.70 next year. But of every extra £ paid by an employer in 2026, over 90% could go to the Treasury. Why isn’t it going to the low paid worker? See benefitsinthefuture.com/who-actually...
Who actually gains from minimum wage increases? Some pre-budget comments – Benefits in the Future
The real winner from a National Living Wage increase is the Treasury which can take over 90% of the extra paid. The biggest losers are employers. I have written, for several years, in my blog about ...
benefitsinthefuture.com
October 27, 2025 at 2:27 PM
It’s suggested that the living wage could go up to £12.70 next year. But of every extra £ paid by an employer in 2026, over 90% could go to the Treasury. Why isn’t it going to the low paid worker? See benefitsinthefuture.com/who-actually...
Reposted by Gareth Morgan - Ferret
It’s suggested that the living wage could go up to £12.70 next year. But of every extra £ paid by an employer in 2026, over 90% could go to the Treasury. Why isn’t it going to the low paid worker? See benefitsinthefuture.com/who-actually...
Who actually gains from minimum wage increases? Some pre-budget comments – Benefits in the Future
The real winner from a National Living Wage increase is the Treasury which can take over 90% of the extra paid. The biggest losers are employers. I have written, for several years, in my blog about ...
benefitsinthefuture.com
October 25, 2025 at 7:25 PM
It’s suggested that the living wage could go up to £12.70 next year. But of every extra £ paid by an employer in 2026, over 90% could go to the Treasury. Why isn’t it going to the low paid worker? See benefitsinthefuture.com/who-actually...
It’s suggested that the living wage could go up to £12.70 next year. But of every extra £ paid by an employer in 2026, over 90% could go to the Treasury. Why isn’t it going to the low paid worker? See benefitsinthefuture.com/who-actually...
Who actually gains from minimum wage increases? Some pre-budget comments – Benefits in the Future
The real winner from a National Living Wage increase is the Treasury which can take over 90% of the extra paid. The biggest losers are employers. I have written, for several years, in my blog about ...
benefitsinthefuture.com
October 25, 2025 at 7:25 PM
It’s suggested that the living wage could go up to £12.70 next year. But of every extra £ paid by an employer in 2026, over 90% could go to the Treasury. Why isn’t it going to the low paid worker? See benefitsinthefuture.com/who-actually...
Great to see the importance of advice services emphasised in the Work & Pensions Committee report on pensioner poverty publications.parliament.uk/pa/cm5901/cm... Lots of points from my and other advice sector evidence picked up on.
Pensioner Poverty: challenges and mitigations
Report of the Work and Pensions Committee
publications.parliament.uk
July 25, 2025 at 7:50 AM
Great to see the importance of advice services emphasised in the Work & Pensions Committee report on pensioner poverty publications.parliament.uk/pa/cm5901/cm... Lots of points from my and other advice sector evidence picked up on.
Reposted by Gareth Morgan - Ferret
Can we stop talking about £5bn a year spending cut. People on benefits spend their money straight away and very locally. It’s £5bn a year being taken off local shops and businesses. It’s £5bn a year less supporting local jobs. It’s going to close shops and businesses and cut jobs.
June 25, 2025 at 5:38 PM
Can we stop talking about £5bn a year spending cut. People on benefits spend their money straight away and very locally. It’s £5bn a year being taken off local shops and businesses. It’s £5bn a year less supporting local jobs. It’s going to close shops and businesses and cut jobs.
Can we stop talking about £5bn a year spending cut. People on benefits spend their money straight away and very locally. It’s £5bn a year being taken off local shops and businesses. It’s £5bn a year less supporting local jobs. It’s going to close shops and businesses and cut jobs.
June 25, 2025 at 5:38 PM
Can we stop talking about £5bn a year spending cut. People on benefits spend their money straight away and very locally. It’s £5bn a year being taken off local shops and businesses. It’s £5bn a year less supporting local jobs. It’s going to close shops and businesses and cut jobs.
Rather chuffed the Work & Pensions Committee picked a bit of my evidence as an example of their inquiry.
x.com/CommonsWorkP...
x.com/CommonsWorkP...
Work & Pensions Committee on X: "We've been looking into pensioner poverty to find out how to improve access to and take-up of Pension Credit and other support. 📹 Watch @gmorgan_ferret share with us the challenges people may face and why they don't claim for benefits. https://t.co/m5JC56QDdZ" / X
We've been looking into pensioner poverty to find out how to improve access to and take-up of Pension Credit and other support. 📹 Watch @gmorgan_ferret share with us the challenges people may face and why they don't claim for benefits. https://t.co/m5JC56QDdZ
x.com
April 4, 2025 at 4:18 PM
Rather chuffed the Work & Pensions Committee picked a bit of my evidence as an example of their inquiry.
x.com/CommonsWorkP...
x.com/CommonsWorkP...
“Ministers hail 'huge' minimum wage boost” but the reality is very different benefitsinthefuture.com/the-new-gove... #benefits #tax #minimmwage #NLW
The ‘new’ government is continuing to be extremely generous…to itself? – Benefits in the Future
My annual updated version of the blogs which were posted here in April 2021, November 2022, and November 2023. This now uses the NLW figure of £12.21 an hour, and the changes to employers NI announc...
benefitsinthefuture.com
April 1, 2025 at 7:43 AM
“Ministers hail 'huge' minimum wage boost” but the reality is very different benefitsinthefuture.com/the-new-gove... #benefits #tax #minimmwage #NLW
Pleased to have the chance to give evidence to the Work and Pensions Committee session on pensioner poverty this week. Really pleased that Daphne Hall and Gary Vaux are also there to talk about what advice can do.
March 23, 2025 at 4:22 PM
Pleased to have the chance to give evidence to the Work and Pensions Committee session on pensioner poverty this week. Really pleased that Daphne Hall and Gary Vaux are also there to talk about what advice can do.
Reposted by Gareth Morgan - Ferret
Governments tend to focus on reducing health-related benefit in-flows by tightening eligibility criteria.
But doing so concentrates large losses among a subset of claimants - hitting some low-income families hard.
Read more➡️ buff.ly/d1u2Tkn
But doing so concentrates large losses among a subset of claimants - hitting some low-income families hard.
Read more➡️ buff.ly/d1u2Tkn
March 10, 2025 at 1:35 PM
Governments tend to focus on reducing health-related benefit in-flows by tightening eligibility criteria.
But doing so concentrates large losses among a subset of claimants - hitting some low-income families hard.
Read more➡️ buff.ly/d1u2Tkn
But doing so concentrates large losses among a subset of claimants - hitting some low-income families hard.
Read more➡️ buff.ly/d1u2Tkn