Citizens Advice Managing Migration Pilot - Money Advice Trust 公民咨询管理移民试点货币的建议信

Citizens Advice Managing Migration Pilot - Money Advice Trust 公民咨询管理移民试点货币的 建议 关于小区增设电动车充电建议给教师的建议PDF智慧城市建议书pdf给教师的36条建议下载税则修订调整建议表下载 信 Citizens Advice Managing Migration Pilot – Baseline Results Citizens Advice Managing Migration Pilot: Baseline Results Executive Summary , High proportions of UC relevant CAB clients, will need support in making the transition to Universal Credit. , Those that are able to make the transition without help are in the minority (8%), and 92% of clients will need support, 85% for multiple areas (budgeting, banking, staying informed & getting online). , 38% (the largest grouping) will need support in all five areas identified. , While some clients will need more support than others, depending on their personal Figure 1: UC 'not readiness' across multiple areas capacity, there is a great deal of consistency between different demographic groupings on UC readiness. This indicates that it is not just ‘vulnerable’ clients that will need support in making the migration to UC, but those not conventionally considered as vulnerable will also need similar support. , Therefore, this indicates that support may be needed across a broad spectrum of CAB clients, which will affect how bureaux respond and plan for the roll-out of Universal Credit. MMP Pilot Overview The Managing Migration pilot (MMP) is a nine month project (March – Sept 2013), working with three bureaux (Birmingham, Ynys Mon, North Dorset) to understand the level and nature of support our clients will need in making the transition to Universal Credit. The project collected data from over 1,700 ‘Universal Credit relevant’ clients (from 3,460 overall CAB clients) during this period. More details about the pilot are given in the methodology appendix. This baseline results summary includes: , 50% of CAB clients identified as ‘Universal Credit relevant’ Headline figures , 92% of those clients who are UC relevant will need support to make the migration to Universal Credit 38% of all clients will need support to make the migration to UC in all identified UC ‘not readiness’ across areas – the largest category. multiple areas Breakdown for each of the Breakdown, for each of the five areas, of the scoring for all clients – from 1-5, where five areas: ‘1-5’ a score of less or equal to 3 indicates UC ‘not ready’. , Client profile headlines for: UC relevant (1779 clients) and UC ‘not Demographic Breakdown ready’(1644 clients) , Comparison to England and Wales national statistics for Q4 2012/13 Client profile data for low-This suggests a general need for support, regardless of profile details. scoring areas Baseline data for different This suggests a general need for support, regardless of profile details. profile groupings Appendix: Methodology Methodology of Managing Migration Pilot Produced by the Citizens Advice Impact Team Citizens Advice Managing Migration Pilot – Baseline Results Headline Figures - 50% of everyday CAB clients (1,779 of 3,460) were identified as ‘Universal Credit relevant’. These are clients who receive benefits that will transfer into Universal Credit.* - 92% of those clients identified as ‘Universal Credit relevant’ (1,644 of 1,779) need support to be able to make the migration on to Universal Credit. These clients require support in one or more of the following areas (budgeting, banking, staying informed, and getting online).** Area Criteria for ‘UC not ready’ % clients not ready (scores 1-3 on a scale of 5) (1) does not know how much money going in or out Budgeting: 73% ‘not ready’ for UC per month; (2) finds it hard to keep track of money in and out; I am able to keep 1305 individuals of (3) rough idea of monthly household spend, but track of my 1779 clients needs support. money on a monthly basis. (1) often runs out of money and does not know what Budgeting: 77% ‘not ready’ for UC to do; (2) often ends up borrowing money to cover living I/we can manage 1376 individuals of expenses; or changes in the 1779 clients (3) has tried different things but does not feel they money I receive can make real changes. (1) not sure what priority bills are and/or the type of Banking: account needed for Universal Credit; 52% ‘not ready’ for UC (2) have the right account, but do not know how to I use an account prioritise or pay their bills; to pay priority 919 individuals of (3) understand how to pay bills, but not sure what to bills on time 1779 clients do if they do not have enough money to pay the costs. (1) do not know about the universal credit changes; Staying (2) have had some information, but unsure what it informed: 81% ‘not ready’ for UC means to them; or (3) understand the universal credit changes, but not I get the help I 1432 individuals of sure what to do next. need and can 1779 clients keep up to date (1) do not know how to get online and manage their Getting online: benefits claim online; 66% ‘not ready’ for UC (2) have received information of how to get online I can get online but need support; to manage a 1169 individuals of (3) know how to get online, but need support Universal Credit 1779 clients account thth* During the client capture window of the Universal Credit Pilot (11 March-14 June), we asked 3460 people of their Universal Credit relevance, and 1779 individuals identified themselves as falling within this category. Produced by the Citizens Advice Impact Team Citizens Advice Managing Migration Pilot – Baseline Results ** 1644 clients during this period were identified as Universal Credit ‘not ready’, out of 1779 individuals that we collected baseline information from. Those individuals with scores equal to or less than level 3 on any spoke of our Wheel of Change have been identified as not ready for UC, and will need further support. Produced by the Citizens Advice Impact Team Citizens Advice Managing Migration Pilot – Baseline Results UC ‘not readiness’ across multiple areas Aside from the headline figures, it is also worth noting the number of individuals who will be unable to migrate to Universal Credit without support across multiple areas. % Criteria UC ‘not ready’ 138% UC ‘not readiness’ 668 of 1779 for all 5 spokes: clients 21% UC ‘not readiness’ 381 of 1779 for 4 spokes: clients 15% UC ‘not readiness’ 275 of 1779 for 3 spokes: clients 11% UC ‘not readiness’ 192 of 1779 for 2 spokes: clients 7% UC ‘not readiness’ 128 of 1779 for 1 spoke: clients Other relevant correlations include: Criteria % UC ‘not ready’ 2UC ‘not readiness’ for both budgeting spokes: 70% - I am able to keep track of my money on a monthly basis. - I/we can manage changes in the money I receive 1240 of 1779 clients. UC ‘not readiness’ for financial spokes (budgeting and 46% banking): - I am able to keep track of my money on a monthly basis. 823 of 1779 clients - I/we can manage changes in the money I receive - I use an account to pay priority bills on time 1 183 clients (10% of all clients) scored less or equal to 2, and 52 clients (3% of all clients) scored 1 across all spokes. 2 595 clients (33% of all clients) scored less or equal to 2 for both budgeting spokes, and 171 clients (10% of all clients) scored 1. Produced by the Citizens Advice Impact Team Citizens Advice Managing Migration Pilot – Baseline Results Breakdown for each of the five areas: ‘1-5’ For each of the five areas we have isolated as being necessary to migrate on to Universal Credit, this how clients breakdown ‘1-5’ in terms of Universal Credit readiness. N.B. We have rounded to the nearest %. Produced by the Citizens Advice Impact Team Citizens Advice Managing Migration Pilot – Baseline Results Demographic Breakdown As 92% of clients identify as needing support to make the migration to Universal Credit, there is very little difference in percentages between the demographic details of all UC relevant clients, and those that present as ‘UC not ready’. Most percentages stay the same, or only differ 1-2%. For clarity, we have given a breakdown of both sets of demographics. We have also provided a comparison with national client stats during Q4 of 2012/2013. Our client capture shows a slightly higher percentage of men; middle-aged and older clients; those with disabled or health conditions; and those in social housing. It is possible this is caused by our client profile data covering individuals relevant to UC, rather than the whole service. We also asked clients about two key aspects of being able to make the transition to Universal Credit, linked to their own capabilities and situation. N.B. All percentages are where client profile data for that aspect is known. Where the proportion of ‘unknown/withheld’ answers is high, we have noted this. UC relevant clients UC ‘not ready’ clients: England and Wales (1,779 clients) (1,644 clients) (Q4, 2012/2013) Age 17-24: 5% 17-24: 5% 17-24: 10% 45Large proportion did 25-34: 22% 25-34: 23% 25-34: 20% not provide their 35-49: 42% 35-49: 42% 35-49: 33% 3age 50-64: 27% 50-64: 28% 50-64: 28% Male (45%): Female (55%) Gender Male (49%): Female (51%) Male (49%): Female (51%) 36.1% either a disability or a Health 47% either a disability or a long 48% either a disability or a long 67long term health condition term health condition. term health condition. 51%, lived in some form of 51%, lived in some form of 32.2% in some form of Housing Tenure 8910‘social housing.’ ‘social housing.’ ‘social housing’ 25% private tenants 24% were private tenants 26% were private tenants 9% buying their own home 9% buying their own home 19% buying their own home (mortgage etc.) (mortgage etc.) (mortgage etc.) 5% owned own home outright. 5% owned own home outright 11% owned own home 7% staying with 7% were staying with outright relatives/friends relatives/friends 9% were staying with relatives/friends Dependents 47% identified themselves as 47% identified themselves as having dependents having dependents 73% said would be able to Able to use 74% said would be able to. 28% said they would not be English or 26% said would not be able to, able to, and 314 clients did not Welsh to make and 331clients did not give an give an answer answer a UC claim 79% not be a problem 79% not be a problem Payments to 21% it would 21% saying that it would one household 52 clients did not provide an 138 clients did not provide an member be answer answer problematic: 3 For example, for UC not ready, this was 485 clients. 4 5% were between 17-24, and 3% were over 65+. 5 5% were between 17-24, and 3% were over 65+. 6 14% considered themselves to have a disability; 33% identified themselves as having a long term health condition; and 53% stated that they had no disabilities or health problems. 7 14% considered themselves to have a disability; 34% identified themselves as having a long term health condition; and 53% stated that they had no disabilities or health problems. 8 We have grouped social housing to include: council/ALMO tenancy (31%); housing association/RSL tenancy (17%); hostel (2%); homeless (including B&B tenant) (1%); and prison (<1%). 9 We have grouped social housing to include: council/ALMO tenancy (31%); housing association/RSL tenancy (17%); hostel (2%); and homeless (including B&B tenant) (1%). 10 We have grouped social housing to include: Social tenant (30.2%); Homeless (including B&B tenant) (1.1%); Hostel (0.5%); Prison (0.4%). Produced by the Citizens Advice Impact Team Citizens Advice Managing Migration Pilot – Baseline Results 11Client profile data for low-scoring areas The following sub-sections are profile analysis of four areas that were identified as useful in understanding the demographics that lie behind specific scorings. In general, we can see little differentiation between these groupings, and the overall client make-up, apart from on a few noted aspects (see ‘Banking’ and ‘Getting Online’). This suggests a general need from CAB clients for support, regardless of profile details. Budgeting 1: UC not ready (scored ‘1-3’) 1305 clients: Overall, shows the same client breakdown trends as overall CAB clients relevant during this period, and UC ‘not ready’. The age ranges are consistent with the overall proportions of CAB clients during this period: , 41%: 35-49 Age , 27%: 50-64 , 24%: 25-34 Our age data is slightly skewed due to the high proportion of individuals that chose not to give their age (for this subsection, 372 clients). Equal split, 50%/50%. Gender Health Generally consistent with overall client trends: 51% not disabled, or health problems. Housing Tenure Generally consistent with overall patterns: 51% are in ‘social housing’ (see above definition); 25% private tenants; 9% buying home; 8% staying with friends/relatives. Dependents 53% with dependents – consistent with overall clients in this period. Budgeting 2: UC not ready (scored ’1-3’) 1376 clients: Overall, shows the same client breakdown trends as overall CAB clients relevant during this period, and UC ‘not ready’. The age ranges are consistent with the overall proportions of CAB clients during this period: , 42%: 35-49 Age , 27%: 50-64 , 23%: 25-34 Our age data is slightly skewed due to the high proportion of individuals that chose not to give their age (for this subsection, 374 clients). Equal split, 50%/50%. Gender Health 51% not disabled, or health problems. Housing Tenure Generally consistent with overall patterns: 52% are in ‘social housing’ (see above definition); 25% private tenants; 8% buying home; 8% staying with friends/relatives. 54% with dependents – consistent with overall clients in this period. Dependents 11 The percentages given are proportions where client details are known. Produced by the Citizens Advice Impact Team Citizens Advice Managing Migration Pilot – Baseline Results Banking: Score of ‘1’ 206 clients: There is some difference in gender, health, and dependents. There is a slight change from overall patterns, with a dip in those in the 35-49 age bracket that are affected, with a split between old and young. , 34%: 35-49 Age , 33%: 50-64 , 23%: 25-34 Our age data is slightly skewed due to the high proportion of individuals that chose not to give their age (for this subsection, 68 clients). More males were affected than females, 54%. Gender Higher proportion of individuals with disabilities or long term health problems: 41% not disabled, Health or health problems. Housing Tenure Generally consistent with overall patterns: 52% are in ‘social housing’ (see above definition); 26% private tenants; 8% staying with friends/relatives. However, there was a drop in the proportion of clients who were buying their own home that were affected (5%). Higher proportion have no dependents: 65%. Dependents Getting Online: Score of ‘1’ 510 clients: Difference in age, gender, health, dependents and language barriers. There is a much higher proportion of older individuals that are affected, and a dip in younger individuals: , 42%: 50-64 Age , 35%: 35-49 , 15%: 25-34 Our age data is slightly skewed due to the high proportion of individuals that chose not to give their age (for this subsection, 148 clients). More males were affected than females, 54%. Gender Health Higher proportion of individuals with disabilities or long term health problems: 33% not disabled, or health problems. Housing Tenure Generally consistent with overall patterns, with slighter more in ‘social housing’ (56%), slightly less private tenants (22%). Dependents Higher proportion have no dependents: 66%. English/Welsh Higher proportion unable to make a claim in English or Welsh (66%), as well as higher numbers not giving an answer (121 clients). Produced by the Citizens Advice Impact Team Citizens Advice Managing Migration Pilot – Baseline Results 12Baseline results for different client profile groupings To identify whether existing external assumptions on the need for support for vulnerable groupings is correct, we looked at specific subset client profile groupings to look at what the need for different levels of support would be. Overall, while there are some peaks and dips from sub-groupings, there is consistency in terms of need across the board for support in making the transition to UC, including from groups that would not be considered vulnerable (e.g. those with no disabilities, dependents, or are identified as in employment). This is also true when we look at the five specific areas for UC readiness – in general, these correspond within 5% of the general trends for all ‘UC not ready’ clients. This suggests that some groupings might need a little more support in areas, but most people will need some support. Outliers of this include ‘getting online’ for the 50+ grouping, which stands at 77%, and a marked increase in need 13for support for those that identify as not able to make a claim in English or Welsh. N.B. As not all clients presented profile data, we have presented the number of clients in each grouping, rather than a percentage of all the UC relevant clients. No disability, no dependents: 636 clients UC Ready UC ‘not ready’ (7%) (93%) No dependents, no health problems: 330 clients UC Ready UC ‘not ready’ (8%) (92%) Dependents: 784 clients UC Ready UC ‘not ready’ (8%) (92%) Working Tax Credits: 241 clients UC Ready UC ‘not ready’ (10%) (90%) 50+: 392 clients UC Ready UC ‘not ready’ (7%) (93%) Female, working tax credits: 158 clients UC Ready UC ‘not ready’ (11%) (89%) Social Housing/accommodation: 882 clients UC Ready UC ‘not ready’ (8%) (92%) Unable to use English or Welsh to make a claim: 378 clients Ready UC ‘not ready’ (3%) (97%) 12 We have only included sub-groupings where we saw enough clients to make the data credible 13 Budgeting 1 (82%); Budgeting 2 (87%); Banking (695); Staying Informed (92%); Getting Online (85%). Produced by the Citizens Advice Impact Team Citizens Advice Managing Migration Pilot – Baseline Results Appendix: Methodology of MMP The Managing Migration Pilot is a six month project, working with three bureaux to understand the level and nature of support our clients will need in making the transition to Universal Credit. The impetus behind this is to prepare our service delivery ahead of the roll-out of Universal Credit, gaining an insight into what potential outcomes we can expect for our clients, as well as understand the barriers that might prevent them from successfully moving on to Universal Credit without additional support. We are collecting data at various stages of our pilot to inform this agenda, with a focus on client identification in the initial three months, continuing into service delivery and follow-up in the later stages. Process: March-June: Clients identified – UC readiness baselined March- September: Services delivered – UC readiness captured at each interaction September-October: Clients surveyed at the end – UC readiness (and barriers to UC readiness) recorded The data that evidences our understanding of our clients’ need for further support (baseline results) has been ththcollected over the initial client capture window of this pilot (11 March – 14 June). This totals: , 3,460 clients that, as part of our normal bureaux service delivery, have come through our door and been asked about whether they are Universal Credit relevant. , 1,779 clients have been identified as Universal Credit relevant, and we captured demographic profile and ‘UC readiness’ details from them. The three bureaux involved in this pilot are now continuing to support and deliver services to the individuals identified as needing support to migrate to Universal Credit during our client capture window. Our understanding of needing support with Universal Credit Our understanding in diagnosing the nature and level of support our clients will need with making the transition to Universal Credit is underpinned by our organisations wealth of theoretical and practical experience in financial capability and other areas. Based on this expertise, we have created a ‘Wheel of Change’ that enables our pilot bureaux to diagnose whether or not clients will need support across five key aspects associated with Universal Credit migration, and what the level and nature of this support should be (assessed on a scale of 1-5). This provides us with a standardised approach to supporting and addressing clients’ needs, including specific steps that have to be taken in order to move clients forwards in their journey to self- sufficiency in maintaining their Universal Credit claim. The Wheel of Change therefore also allows us to measure the potential development in clients’ ability to manage changes to their benefits and circumstances against this baseline, or the barriers that impede achieving these outcomes. These five aspects are: , Budgeting: I am able to keep track of my money on a monthly basis. , Budgeting: I/we can manage changes in the money I receive , Banking: I use an account to pay priority bills on time , Staying informed: I get the help I need and can keep up to date , Getting online: I can get online to manage a Universal Credit account By breaking down our client experience and capacity into this format, we can see that those equal to or less than level 3 on any spoke of our Wheel of Change will need further support. Produced by the Citizens Advice Impact Team