Using Technology to Understand Vulnerable Households
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Deven Ghelani talked about Using Technology to Understand Vulnerable Households at the CIVEA Annual Conference in London this month. Deven gave a state of the nation overview on the welfare reform roadmap to 2020 and shared key findings from Policy in Practice's analysis on the impact welfare reforms are having on the living standards of low income households in London. Deven said "We need to better understand the nature of poverty and how it affects the financial resilience of people on low incomes. Intervening early is critical and, as more people become can't pays rather than won't pays, the enforcement industry has a crucial role to play in understanding vulnerability."
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Using Technology to Understand Vulnerable Households
- 1. Deven Ghelani Policy in Practice CIVEA Conference 2017 Using technology to help vulnerable households
- 2. Agenda 1. Introduction to Policy in Practice 2. Welfare reform: State of the nation 3. The costs of enforcement 4. A preventative approach 5. Q&A
- 3. We make the welfare system simple to understand, so that people can make the decisions that are right for them
- 4. www.policyinpractice.co.uk Policy national impact Analytics local impact Software individual impact
- 6. Policy in Practice is different
- 7. Large scale data analysis 27% of the total population in participating boroughs
- 8. Welfare reform is having an impact
- 9. The static picture • 42% working-age households in work • Average number of hours worked: 25 • 80% households earn below living wage Poverty isn’t static Dynamic analysis • 12% households moved into or out of work in the last 12 months • 8% out of work households moved into work
- 10. Financial resilience needs to be better understood
- 11. The impact in the coming years is likely to push household debt in the UK to new all time highs. The pressure on living standards, and on enforcement is likely to get worse. Policy in Practice analysis for the LGA The impact up to 2020
- 12. 121212 Intervening early: A case study
- 13. Why should enforcement agents intervene early? • Your clients want you to – they know it is cheaper to support those in poverty prior to enforcement action • More and more people will be ‘can’t pays’ – so enforcement is just a drain • It is effective – your creditors will recover more if people feel supported by your agents. • It is the right thing to do – acting as a partner for your local authority clients and their residents
- 14. Lara Jane and baby Sarah Lara Jane is 30 years old, a lone parent and has a 3 month old baby, Sarah. They both live in a shared house in East London which they rent from a private landlord. Lara works 10 hours per week and has Council Tax arrears
- 17. Benefit, Budgeting and support in single system Show the impact of moving into work, under the current system and UC Compare scenarios and provide actionable advice Apply for support within a fast engaging and easy to use interface Quick, comprehensive and intuitive
- 18. Clear advice and support
- 19. Clear, printable action plans Meet the Standard Financial Statement requirements
- 20. In conclusion… • Pre-announced changes to the welfare system are now being felt by customers • We estimate the average hit faced by low income households, on top of existing pressures will be over £40 per week by 2020 • You have a responsibility to help your clients, and their customers – they are all feeling the pinch • You can help by finding ways to increase their income, and lower their expenditure prior to enforcement action • Policy in Practice offers a tool that brings the welfare support together, around the customer
- 21. Carole Kenney Phoenix Phoenix is pleased to work with Policy in Practice to help deliver effective ethical enforcement whilst also supporting vulnerable people. We use Policy in Practice's Benefit and Budgeting Calculator to improve our customers circumstances and create clear, realistic repayment plans based on ability to pay.
- 23. www.policyinpractice.co.uk Research and slide deck available Deven Ghelani deven@policyinpractice.co.uk 07863 560677 @deven_ghelani 0330 088 9242 www.policyinpractice.co.uk
Editor's Notes
- Deven Ghelani, our founder and director, was a member of the team at Centre for Social Justice who developed Universal Credit and, when the policy was adopted by government, he left there to set up Policy in Practice. He was keen to ensure that the policy intent was actually put into practice. Since then, and together with the team he's built at Policy in Practice, he's facilitated conversations between leading local authorities and the Prime Minister's office to ensure frontline feedback about welfare reform policy has been heard. In addition, Deven and the team have helped local organisations to understand the aggregate and cumulative impact of welfare reform changes on their customers so that they can accurately target support programmes. And finally, to close the loop, the software that Policy in Practice has developed simplifies the conversations that frontline advisors can have with customers by clearly showing what benefits they can get under the current system and when they move to Universal Credit, comparing the two side-by-side using data visualisation. Given the significant changes to tax credits announced in the Spending Review yesterday (which Deven was high profile in arguing for) the focus for welfare reform is now firmly back on Universal Credit. Deven would be able to bring the unique experiences he has of policy creation right through to policy delivery to your event.
- Complex, confusing and changing all of the time. Shaped by numerous pieces of complex legislation to cover different benefit types Legacy benefits and Universal Credit 3 different agencies administering benefits: DWP, local authorities, HMRC Continuing change to the rules Nobody can understand it all!
- 62% of households have been affected by one or more of the main welfare reforms. The average loss per working age household is £16.10 per week. The chart shows that outer London boroughs are more heavily impacted by welfare reforms than those in inner London. A greater proportions of households ‘highly impacted’ (i.e. losing more than £30 per week). They also have the highest average losses. The larger private rented sector, and in-work population in outer London are important drivers behind this trend.
- By shifting the focus from the aggregate figures to dynamic analysis, a picture of constantly changing employment patterns emerges.
- support those in poverty prior to enforcement action, understanding their residents earlier in the collections process or even supporting debt recovery solutions that take people’s circumstances into greater consideration rather than inflicting further hardship on them by demanding unrealistic repayment terms Determine can’t pays/won’t pays earlier in the process saving time and resource.
- To show speed of a simple calculation To show scenarios to assist decision-making To show slider Illustrates use to organisations for getting people back to work Case: Single parent with 3 children. Youngest is now 4 so she is looking at returning to work. In addition to the free childcare available for her 4 year old she will need wrap around care for the children. She is concerned that it will not be worthwhile returning to work. Data input: DOB 1980 Children 2008, 2009, 2012 Private rent, 3 beds, £400/month Scenario 1: no income Scenario 2: Childcare £300/month. Job £15,000 30 hours [5 mins]