Labour market
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Quality and security
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Universal Credit
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Pay

Irregular Payments: Assessing the breadth and depth of month to month earnings volatility

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This research addresses the question of earnings volatility, unearthing striking findings about the lived experience of work – and the pay we receive for it – in the UK today. This report makes use of anonymised transaction data from over seven million Lloyds Banking Group (LBG) accounts in order to demonstrate the breadth and depth of changes in pay from month to month.

Universal Credit
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Welfare

Credit where it’s due? Assessing the benefits and risks of Universal Credit

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The government’s plans for Universal Credit (UC) were first set out in November 2010, and its concept has received broad cross-party support. But the process of implementation has been dogged by a series of delays – the OBR now anticipates that it will not be fully rolled out until at least 2020, potentially 3 years … Continued

Labour market
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Universal Credit
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Childcare
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Welfare

All work and no pay: Second earners’ work incentives and childcare costs under Universal Credit

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A part-time cleaner with two children in childcare and working 25 hours a week would be £7 a week worse off than if she didn’t work at all while a part-time teacher with the same hours and childcare arrangements would be £57 a week better off under the Government’s new proposals to help working families … Continued

Universal Credit
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Welfare

Getting On: Universal Credit and older workers

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Britain is missing a crucial opportunity to encourage more older people into work because the government’s new flagship welfare reform delivers only mixed benefits for the age group. While many older workers will be better off under Universal Credit (UC) – the system replacing tax credits and several other benefits from this year – others … Continued

Labour market
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Universal Credit
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Welfare

Conditions Uncertain

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Conditions Uncertain finds that almost 1.2 million low-paid workers entitled to support under Universal Credit will have to look for extra work or face the risk of having payments withdrawn. The report reveals for the first time how many working people are likely to be affected by a new regime which will require the lowest-paid … Continued

Universal Credit
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Childcare
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Welfare

Childcare support and the hours trap: the Universal Credit

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The Government recently announced the terms under which childcare costs will be supported as part of Universal Credit from 2013. It has made an extra £300m available, compared to present spending levels. This briefing updates the earlier briefing Childcare support and the hours trap, published in May 2011, to show the impact of the government’s … Continued

Universal Credit
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Welfare

Tackling the adequacy trap: earnings, incomes and work incentives under the Universal Credit

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This briefing explores the relationship between gross earnings and net incomes at various points in the bottom half of the income distribution, under both the current tax and benefit system and the future Universal Credit model. It considers how these alternative systems relate to poverty and adequate income levels and concludes with some general observations … Continued

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