#NHFWelfare The cumulative impact of welfare reform

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Deven Ghelani, Policy in Practice, spoke at the National Housing Federation's Welfare Reform Conference 2017 on Tuesday 24 January. In Deven's short session he covered: 1. The impact of welfare reform policies. Governments may know how one policy affects many people but what's important, and what we've shown housing associations, is how all policies combined affect one person. 2. Policy in Practice analysis, featured in The Guardian, showed low income households will be worse off by £41.45 per week by 2020. In-work households are hit harder, they lose £48.90. 3. How we helped Newcastle CC and YHN to understand the impact of welfare reforms on households in Newcastle, and what they could do to help the most vulnerable households. 4. How housing associations can use data to assess risk and revealed details, via our project with HACT and OCSI These are his slides. Contact www.policyinpractice.co.uk hello@policyinpractice.co.uk 0330 088 9242

Government & Nonprofit

Policy in Practice
Deven Ghelani The cumulative impact of
welfare reform
#NHFwelfarereform
January 2017

We make the welfare system
simple to understand, so that
people can make the decisions
that are right for them

The impact of welfare reform policies
Governments may know how one policy affects many people. We can show how all
policies combined affect one person.

Our approach:
• We looked at 187,475 real
families across 17 local
authorities
• We modelled the impact
of all welfare reforms
shown on the previous
slide
The impact on low-income families

A summary of the impacts
• Low income households are £41.45 worse off by 2020
• In-work households are hit harder still - £48.90
• The loss from welfare reforms is £381m, while support through DHPs is
£11m for these authorities
• By tenure, PRS is hardest hit:
• £49.40 / week
• £31.98 / week
• 3% report income to be less than their housing costs!
• One in ten are in TA - shifting £3,510 in cost to the local authority

Newcastle City Council and YHN
• Comprehensive report on the impact of
welfare reform
• Detailed household level dataset
• Target the right support, to the right
households before they are impacted

“Mrs Jones near
Spring Lane is
£5,009 in arrears
with a shortfall of
£371 per month, and
will be £54.38 per
month worse off as a
result of the benefit
cap and has high
barriers to work.”
Your data can tell you that …

What would you do with that level of
detail?
Get involved

Using housing data to assess risk
• Partnering with HACT and OCSI
• Project to understand which neighbourhoods will be most impacted by welfare
reform
• Currently recruiting HAs to help:
• agree key indicators of risk of welfare reform,
• outline what LA, HA or open data can feed into these indicators
• assess the benefit of that data at a neighbourhood level
• You can also partner with neighbouring Local Authorities
• Visit Stand 1 to find out more and sign up

• Support your advisors :
• To show residents the
benefits of work.
• explain a changing
welfare system.
• Budget better under
Universal Credit
• Three new features
• Hovers show exactly how
a calculation was reached
• Cash flow impact of
weekly earnings
• Slide hours / earnings for
flexible jobs
The frontline adviser

141414
Visit Leo on stand 1:
HACT / OCSI project
household level datasets
Benefit Calculator 3.0

www.policyinpractice.co.uk
Thank you
Deven Ghelani
deven@policyinpractice.co.uk
07863 560677
www.policyinpractice.co.uk
hello@policyinpractice.co.uk
0330 088 9242

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Councils are looking ahead to what COVID-19 means for collection rates, people’s ability to pay, and whether their council tax support schemes can cope with increased demand. Zoe and Megan share key findings of three new reports: - An 18 month project working with 22 Welsh local authorities for the Welsh Government on Universal Credit, council tax reduction scheme and rent arrears in Wales Reports for the Greater London - Authority on the impact of the Coronavirus Hardship Fund, and on the impact that a flexible approach to collections has on collection rates Analysis for the Cabinet Office on the effectiveness of an early intervention approach to managing arrears in two councils, Newcastle and Barking and Dagenham Council tax arrears were already £3.5 billion pre-crisis and are forecast to reach nearly £5 billion by the end of parliament. Zoe Charlesworth examines what the worsening financial crisis means for council’s collection rates, budget setting and council tax support schemes, and will look at efforts across central and local government to improve how council tax debt is recovered.

How viable is your council tax support scheme?

Policy in Practice

Zoe Charlesworth, Head of Policy at Policy in Practice, spoke at the IRRV Virtual Annual Conference about those people who have struggled or missed out on support due to COVID-19 uncertainty. The new COVID-19 schemes operate alongside means-tested benefits, pay different amounts and cater to different kinds of eligibility, resulting in a wide yet inequitable net of support. Zoe Charlesworth presents analysis by Policy in Practice that looked at over 2,500 individual cases of households who struggled with or missed out on support. Zoe will explore the characteristics of eight groups who you should watch out for as you advise residents, and a worked example of surplus earnings rules. Delegates learnt who missed out on support, what impact of COVID-19 support has had on inequality and, practically, who will need more guidance as their circumstances change. For more information visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk

COVID-19: Who has fallen through the gaps?

Policy in Practice

Deven Ghelani, Director and Founder of Policy in Practice, spoke at the IRRV Virtual Annual Conference about the Cabinet Office's reimagine debt pilot scheme. As COVID-19 continues to hit the financial resilience of many families councils are looking ahead to what this means for collection rates. With council tax arrears already at £3.5 billion pre-crisis, and forecast to reach nearly £5 billion by the end of parliament, councils will need to find new ways to maximise collections. Deven Ghelani spoke about how two councils identified which residents owed multiple debts to them, how they stabilised their incomes, and how they tracked the effectiveness of support. Attendees learnt how early intervention offers a proven approach for other councils to consider to prevent problem debt. For more information visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk

Reimagine Debt. A tale of two councils: Reimagine Debt Collection

Policy in Practice

Jade Alsop, Commercial Director at Policy in Practice, spoke at Housemark's Ten Days of Data festival about embedding a data driven culture within organisations such as housing providers, local authorities and others. Commitment to embrace data-driven decision making is needed at all levels of an organisation to realise the full value of insights. At this event Jade joined the speaker panel with Charlotte Carpenter from Karbon Homes and Colin Sales from 3C Consultants to explore how to lead by example to ensure what we do, say and ask, fosters a data-driven culture and embeds the use of data across an organisation. For more information visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk

Embedding a data driven culture

Policy in Practice

IRRV virtual conference 2020: COVID-19 who has fallen between the gaps?

Policy in Practice

At the Government Data Science Festival 2020 Deven Ghelani, Director and Founder of Policy in Practice, joined Paul Withers, Data Protection Manager for Walsall Metropolitan Borough Council, to present a case study of data science in local government. Deven and Paul introduced the Active Intervention Management (AIM) project to the audience of local government data and digital officers. AIM is one of three Social Care Digital Innovation (SCDIA) 2020/21 projects that's run by CC2i on behalf of the Local Government Association with match funding from NHS Digital. AIM uses basic level data to identify potential vulnerabilities and support the improvement of early intervention services. Organisations from fire and rescue, children's services and police authorities are all taking part in AIM. For more information contact Deven Ghelani via deven@policyinpractice.co.uk or Paul Withers via paul.withers@walsall.gov.uk. Alternatively contact hello@policyinpractice.co.uk or call 0330 088 9242.

Data science in safeguarding: an introduction to AIM

Policy in Practice

Identifying people at risk of homelessness is a key priority for all local authorities. Deven Ghelani, Director and founder of Policy in Practice was invited to present to the Housing and Homelessness Needs group of London Councils on Friday 11 September 2020. In his presentation to Deven covered the following agenda: - Uncertainty: The outlook for the end of furlough and 2021 - The impact of COVID-19 to date: Data from 20 London BoroughsHousing affordability – who is at risk of homelessness - The future outlook: Caseload, financial resilience and service demand - Insight into action For more details and to discuss how Policy in Practice can help your local authority to identify vulnerability, target support and track change using data please contact 020 3239 5579 or email hello@policyinpractice.co.uk.

London Councils: Identifying people at risk

Policy in Practice

COVID-19 has created residents who are newly financially vulnerable and who will be looking to you for help in the near future. But who are these people, and what action can you take now to stop them falling into crisis? And, critically, how will your support services need to adapt? As the pandemic continues to hit the financial resilience of many families, councils are looking ahead to what this means for collection rates, and whether their council tax support schemes can cope with increased demand. In this webinar, Zoe Charlesworth summarised the latest and forthcoming policy updates which will drive the need for local authorities to redesign their CTR schemes, highlighting the importance of how understanding this context can assist scheme design. Paul Howarth presented some key insights from our analysis on Understanding the Impact of Universal Credit on the Council Tax Reduction Scheme and Rent Arrears in Wales. Dr Ben Fell shared details of our latest work on future modelling and how it can help you future-proof CTR schemes for local authorities. Finally, Sally Sanders shared how working with Policy in Practice has helped Enfield Council model a new scheme to help protect residents from COVID-19 income shocks. Listen back to hear: - New analysis for the Welsh Government on the impact of Universal Credit on rent and council tax arrears - How COVID-19 is expected to change your caseload, and what this means for your council tax support scheme -Measures you can take to boost future collection rates and minimise arrears

How viable is your council tax support scheme?

Policy in Practice

The future is uncertain and recovery will be tough. It’s difficult to make projections about what the policy landscape will look like, what the wider economic trends will be and what will happen to different groups of people. But we need to make projections to see implications for demand for council support and services, and indebtedness. Listen back to hear: - Key findings from our rapid-response COVID-19 analysis for the Greater London Authority - How a new approach to real-time analytics can support councils with their economic and social recovery plan - What our new future modelling analysis is predicting for both household and council finances

How councils can recover from COVID-19

Policy in Practice

Local authorities have stepped up in the fight against Coronavirus. As the lockdown lifts and our thoughts turn to recovery, proactively identifying and targeting support to those who need help most, using all of the insights available, has never been more important. In this roundtable, hosted by Policy in Practice, we discussed who the most vulnerable residents in London are, both now and in the future. We shared the latest analysis from our data-led investigation into the causes and consequences of poverty in London, supported by Trust for London. We also revealed findings from our research for the Greater London Authority on how different welfare support policies have impacted London's poorest households. We explored what the findings mean for London's local authorities and how services may need to change to proactively safeguard the wellbeing of London's residents. Listen back to learn about: - The financial situation of London's residents before COVID-19 - How an Innovate UK backed project can local authorities a real-time view of living standards now - Which households will be most vulnerable in 2021, how this will impact council finances, and actions councils can take to mitigate the impact on residents - Findings from research for GLA into the impacts of COVID-19 on low-income Londoners and best practice in flexible collection practices Our Trust for London supported project will continue for another six months so councils who have not yet taken part still have time to do so. Email hello@policyinpractice.co.uk or call 0330 088 9242for details.

Roundtable - Who are the most vulnerable residents in London?

Policy in Practice

Many self-employed people will receive a grant through the new Self-Employed Income Support Scheme (SEISS) this month. These payments can be up to £7,500 and will be counted as earnings under Universal Credit. As a result, lots of self-employed households will be affected by the complex 'surplus earnings' rules for the first time. In short, these rules mean that for many households, the SEISS money will be taken into account as earnings not just for the month it was received, but for future months as well. Welfare advisors need to understand the rules, and need a tool that can calculate eligibility all in one place, in order to advise people what their Universal Credit payments will be, and when they need to reclaim. Hear from Sue McCarron from Citizens Advice Wirral who shared how frontline staff have supported customers facing with fluctuating income using the Benefit and Budgeting Calculator. Review the slide to learn: - A simple guide to the SEISS, Universal Credit and surplus earnings rules - Worked examples to illustrate the challenge, and what to look out for - How our Benefit and Budgeting Calculator helps

How to simplify the complexity of surplus earnings

Policy in Practice

The £500 million Hardship Fund allows councils to give extra support to help people affected by Coronavirus. Councils are expected to use this welcome funding to reduce the council tax bills of working-age people who are already receiving council tax support, by £150 in 2020/21. In this webinar, Zoe Charlesworth presented new nationwide analysis on the Hardship Fund allocations and discussed what this means for collection rates. Megan Mclean explored what this means for those who become newly unemployed, as well as CTR support schemes. Finally, Deven Ghelani looked at what councils can do now to proactively support people. Review the slides to learn: - How the Hardship Fund and council tax collection rates interact - What the future looks like, and how you can plan for future vulnerability - How to identify the most vulnerable households in your area so you can target additional support

Is your post COVID-19 Council Tax Support Scheme sustainable?

Policy in Practice

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