New report highlights high risk of exclusion of older people from claiming benefits
By: Age UK
Published on 23 May 2018 01:00 AM
Age UK raises question of whether it's now time for new duties on public bodies to ensure offline access remains available.
Two-fifths of councils (41 per cent) say Housing Benefit and Council Tax Reduction – two key benefits to which older people may be entitled - can only be claimed online, according to new findings by the Charity Age UK,[i] despite there being nearly four million older people in this country without access to the internet.
The Charity carried out a ‘mystery shopping’ exercise following repeated complaints from older people and their families about being unable to access services and entitlements if they are not computer users. The research involved phoning 100 local councils in England, picked at random, to ask what options people have if they want to claim help with their rent and council tax but are not online. The results, published today in the Charity’s new policy report Everything is online nowadays, were mixed but found that councils overwhelmingly pushed people towards claiming via the internet, even when it was clear they were not themselves computer users.
While councils often told the mystery shoppers that they could provide help, in some cases this was very limited. One said the caller could come to the office “where they will put her on a computer by herself” – useless to someone who has never used a computer before.
Worst of all, around one in seven (14) local councils said they would only accept online claims and did not offer a face-to-face service that would enable someone who had never been online to claim. This leaves older people in need at risk of missing out altogether on financial help which they could really do with and to which they are legally entitled. Some older people may have a computer literate friend or relative they can call on for help but not everybody is happy to share the personal information that may be required and it is important to remember that a significant proportion of older people live alone.
The researchers also found that even speaking to someone at the council to find out about claiming Housing Benefit and Council Tax Reduction could be a challenge, often involving a long wait, a series of complex push-button menus and, on a few occasions, being cut off for no reason and having to call again. Once through, staff attitudes varied with some being very helpful, setting out different ways to claim straightaway, while others were less forthcoming and heavily encouraged online claims, only mentioning other options when prompted.
The Charity is concerned that because so many older people are already reluctant to claim financial support, the pressure to make claims online for those who do not use computers may stop them from claiming at all. This really matters because an estimated £3.8 billion in pensioner benefits including Housing Benefit goes unclaimed each year[vi] and there are still 1.9 million pensioners living below the poverty line, with around a million more just above this threshold who are struggling to make ends meet.
In an increasingly digital world, Age UK is warning that many older people who do not use digital technology are at increasing risk of being excluded from being able to carry out routine transactions that they have done offline throughout their lives. With official figures showing that 3.8 million people aged 65+ have never used the internet,[viii] the Charity is calling for all public bodies to ensure that services are accessible to all, with offline options such as paper forms and being able to make a claim over the telephone available for those who need them.
Age UK fully accepts that digital technology offers many benefits to people of all ages and encourages and supports those older people who wish and are able to get online to do so, but those who cannot or who do not want to should still be able to access essential public services in a way that suits them. In its new report, the Charity recommends that:
- Councils should ensure that everyone can access their services and offer offline options so that people who are not online can still claim vital Housing Benefit and Council Tax Reduction
- Councils should provide websites and online systems that are easy to use, including by those with limited digital skills, and provide digital training or make appropriate referrals for those who want to learn to use the internet
- National Government should ensure that local councils have sufficient funding to meet their statutory requirements, including the proper administration of benefits.
Commenting on the new report, Caroline Abrahams, Charity Director at Age UK, said:
“It is totally unacceptable that millions of older people who are not online are effectively being screened out of accessing benefits to which they are legally entitled, and often badly need, because they cannot use the online application methods that are increasingly the default.
“Age UK is fully aware of the intense financial pressures on councils, but this can be no excuse for working in ways that risk depriving older people of their due.”
“What we have found in this research is, we are sure, just the tip of a much bigger iceberg, since we know that in many walks of life online methods are becoming the norm. This may be fine for people who are confident computer users but it is wrong to discriminate against those who are not, including the nearly 4 million older people in our society who do not use computers at all.
“The shift to our routine transactions and interactions with public bodies taking place online is becoming so pronounced that the question arises as to whether we need new legal duties to ensure they continue to offer alternative methods of access, whether that’s by telephone, letter or face to face. We think this debate is now needed if we’re to protect the interests of the substantial numbers of older people – about 1 in 3 of the entire older population – who do not use computers and who are at huge risk of exclusion as a result.”
Age UK publishes a range of free guides to help people navigate the benefits system. The Charity has just updated its More money in your pocket guide to reflect benefit changes which came into effect last month[ix]; the guide is specifically designed to help older people claim the benefits to which they are entitled, including Housing Benefit, Council Tax Reduction and Pension Credit. The Charity also publishes mini-guides on individual benefits, all available free of charge.
To order a free copy of any of Age UK’s guides, or for further information and advice on any issue, people should call Age UK Advice free of charge on 0800 169 65 65, contact their local Age UK, or visit www.ageuk.org.uk/letstalkmoney, where there is also an online personalised benefits calculator to help people find out exactly what they are owed.
-- Ends --
Notes to editors:
A copy of Age UK's 'It Doesn't Add Up' campaign report can be found here
[i] Age UK. February 2022. Research briefing: Estimating the impact of the April 2022 energy price cap rise on older households in England. Age UK [Online]. Available at: https://www.ageuk.org.uk/globalassets/age-uk/documents/reports-and-publications/reports-and-briefings/safe-at-home/estimating-the-impact-of-the-april-2022-energy-price-cap-rise-on-older-households-in-england.pdf.
[ii] Age UK. May 2022. Research Briefing: Estimating the impact of rising prices on older households in the UK in 2022-23. Age UK [Online]. Available at https://www.ageuk.org.uk/globalassets/age-uk/documents/reports-and-publications/reports-and-briefings/safe-at-home/estimating-the-impact-of-rising-prices-on-older-households-in-the-uk-in-2022-23-may-2022.pdf.
[iii] Older households are defined as households with at least one person aged 60 or over.
[iv] ‘Over the next year’ refers to 2022/23.
[v] The snapshot survey was carried out online.
[vi] Those in receipt of Pension Credit, which can be backdated for three months and tops up the weekly income of a single pensioner to £182.60 or a pensioner couple to £278.70, (or higher in some circumstances) could also be entitled to the following:
- A Cold Weather Payment of £25, paid automatically when the average temperature is 0°C or below over seven consecutive days
- £140 off electricity bill thorough the Warm Home Discount Scheme, if eligible
- A free TV licence (if also over-75)
- Free NHS dental treatment and help towards the cost of glasses and travel to hospital
- Help with Council Tax
- Help with rent
- Cheaper phone and home broadband deals
- Reduced water bills
- An extra amount of Pension Credit for some carers worth up to £38.85 a week.
About the research
Researchers at Age UK contacted 100 local councils in England, just under 30 per cent, between November and December 2017. They were picked randomly and then the Charity checked that the sample included a reasonable spread of regions, and a mix of rural and city councils. The Charity has chosen not to name the councils in the report as it feels it would be inappropriate given its researchers called each authority only once and could have had a particularly negative (or positive) experience on the day. Also, the researchers relied on what they were told, sometimes after probing, and did not then check whether this was accurate. In this way the researchers sought to mirror the experience of individuals who contact their council about claiming benefits.