The Bedroom Tax: A perfectly mad system?

housesSharing a room with her four year old disabled son, Brenda (not her real name), a single mother from Ladywood, is just one among the 37,000 households in Birmingham living in congested conditions, making the West Midlands accountable for almost half of families living in overcrowded accommodation across the country.

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With an increasing demand for properties, combined with an acute shortage of social housing, the idea of taxing council tenants who maintain a spare room seems reasonable, but a closer investigation into the matter reveals that this taxation may be affecting societies most vulnerable whilst only adding to a worsening housing situation. John Cotton, Labour councillor and cabinet member for social cohesion and equalities in Birmingham regarded the policy as “flawed” when expressing his concerns with the new welfare reform and the repercussions it will have upon social housing tenants in Birmingham.

 “This has been foisted on us by the central government who clearly do not understand the full implications of their own policies.”

What is the Bedroom Tax?

The under occupancy sanction, more commonly known as the Bedroom Tax, takes effect on April 1st 2013, as part of a larger reform of the traditional benefit system. The policy is an attempt by the Department of Work and Pensions (DWP) to encourage households to downsize if they have spare rooms, freeing up properties for larger families. This will see social housing tenants pay the price for maintaining a spare bedroom. However, what is deemed as a spare bedroom has become a controversial issue for many tenants and a talking point surrounding the policy, as many believe the guidelines to be unfair and dismissive towards certain groups within society.

With 10,000 council tenants estimated to be affected in Birmingham and a further 5,000 tenants from registered landlords, the West Midlands will make up 9% of Great Britain’s affected claimants. Taking into account carers, children, spouses etc. it is estimated that around 60,000 people will be affected in total.

The government have highlighted the terms and conditions of the sharing requirements which gives disabled tenants needing a non-resident overnight carer to be allocated the rights to an extra room, whilst children under the age of 16 of the same gender and children under 10 years of age, regardless of gender  are expected to share. This means that those not complying with the new guidelines may be unknowingly maintaining a spare bedroom – a spare room needed by individuals such as Brenda; but what about those who are in need of that extra bedroom but are no longer entitled?

One woman who is finding coming to terms with the policy difficult is a 59 year old scoliosis sufferer who after living under social housing within Birmingham for the past 31 years feels devastated to locate from her once family home.

 “This is my home, my safe place. Words cannot express how upset I am and how this decision is affecting my illnesses.”

The affect on foster carers

UK charity, The Fostering Network, have revealed the strain the Bedroom Tax is placing on foster carers as the policy originally failed to acknowledge the occupation of a room for a foster child, leaving carers vulnerable to the ‘spare’ bedroom tax.

A spokesperson for The Fostering Network appeared extremely concerned about the implications of the upcoming policy,

“These changes are causing some foster carers considerable anxiety and to wonder if they will be able to continue to foster.”

According to Birmingham City Council approximately 2,000 children are in care within the city with 60% in foster care, housed across a number of in-house homes and private sector accommodation.

Emma, a Birmingham based foster carer said,

“My local authority required me to have a ‘spare room’ before I could even be considered for fostering. Now that very same authority wants to penalise me for having a ‘spare room’, even though it is not spare as there is a child in it! To me this makes no sense and is in fact very unjust.”

However, work and pensions secretary Iain Duncan Smith, has recently announced that approved foster carers will now be exempt from the policy, a policy which once classed foster carers liable to the housing benefit taxation. As part of an introduction of new regulations surrounding the policy, Mr Duncan Smith aims to support “priority groups” giving concessions both to foster families and armed forces. Although little or no consideration is still been given to many other individual in particular, separated families.

Foster families were not the only group estimated to be affected by the policy, with little or no consideration originally being given to individual cases and exceptional circumstances of separated families, armed forces and the disabled.

Local housing authority statistics suggest that 1 in 5 council tenants work full time and it will be this demographic who will be most affected  by the Bedroom Tax in the UK as over 22% of council tenants are looking for work whilst more than 20% of council tenants in the UK have a full time job.

The estimated impact of the policy has become a cause for concern among many registered charities, MP’s, Councillors and campaign groups who have hit against the policy, with Birmingham Councillor John Cotton stating,

“This is exactly what happens when government makes policy to chase headlines, rather than to deal with the actual issue…they are avoiding the thorny issues around welfare reform.”

 David Barrie, Conservative Councillor for Social Cohesion and Community Safety in Birmingham, believes the Bedroom Tax is in the interests of the tax payer,

 “As a hard working tax payer would you be happy to pay for someone else to live in expensive housing that you could not afford?”

The affect on the housing situation

Despite affecting a large proportion of society and causing distress to many, whether the implementation of the taxation will actually improve the social housing shortage within Birmingham is questionable. George Marshall, a research systems officer at the National Housing Federation, feels the housing crisis will make downsizing due to the taxation an issue for tenants as the need for two bedroom houses and single person flats increases while there is limited stock available, and this shortfall is unlikely to be met by the private sector as there is clear evidence where that private landlords are reluctant to take tenants from the social housing sector.

A spokesperson from Andrews in Great Barr said:

“We don’t accept people receiving housing benefits. It’s our policy because the DSS department will only correspond with the tenant, not the landlord or letting agency meaning that if the tenant forgets to pay, we have no way of gaining access to the money.”

According to the National Housing Federation’s 2012 Home Truths report, there is an urgent need for the construction of new build houses within the West Midlands. With 16, 629 people currently on the housing waiting list, Birmingham maintains the second largest housing waiting list within the West Midlands, an issue which both John Pierce, campaign officer at the National Housing Federation, and Councillor John Cotton, feel needs addressing in order to boost the economy whilst solving issues of homelessness and overcrowding within the city.

In their housing strategy published in November 2011 both Nick Clegg and David Cameron outlined the importance of building quality new homes to support future generations,

“One of the most important things each generation can do for the next is to build high quality homes that will stand the test of time.”

However, David Orr, Chief Executive of the National Housing Federation, recently identified that although 390,000 new houses were built in the UK in 2011 only 110,000 were built in 2012, a decrease which David Orr finds distressing,

“One of the biggest constraints on growth is when businesses can’t expand because there are no homes for the people they want to employ.”

In an attempt to handle the housing crisis and frame a response to welfare reform in Birmingham, partnerships and campaigns such as ‘Yes to Homes’ and ‘WMBUS have been established within the region.  Yes to Homes, aims to create more land for house building and therefore more homes for the people who are suffering from overcrowded conditions. The campaign recently found available land in Birmingham equivalent to two cities the size of Wolverhampton.

John Pierce, the Campaigns Officer for ‘Yes to Homes’ feels the project will be a more suitable solution than the enforcement of the Bedroom Tax,

“The answer is not to force families out of homes, where they have lived for years…but to build more affordable decent homes quickly.”

Mike Sharpe, Labour councillor and chairman of Birmingham’s planning committee, recently praised a developer on his plans to build eight new homes and six new workshops in Birmingham’s Jewellery Quarter which offers six, four bedroom houses and two, two bedroom apartments. These smaller sized properties are what is needed to boost the economy and to solve the housing crisis; however, this is still a small proportion of a larger housing scheme which needs to take place within the city.

Councillor John Cotton identifies that the lack of new builds is something that only funding from central government will solve,

“We know what the issue is, we know what the solution is, but we need the resources.”

With the City Council’s limited resources and a lack of funding to finance these new builds, it appears that the Bedroom Tax will only be adding to a worsening housing situation as Councillor John Cotton states,

“You couldn’t have designed a more perfectly mad system for dealing with this, it really is iniquitous.”

Birmingham’s reaction to the Bedroom Tax under the new welfare reforms have encouraged numerous protests within the city around the Council House to demonstrate people’s dissatisfaction with the policy.

Stuart Richardson, Treasurer for the Trade Union Council, gave a speech outside Birmingham’s Council House voicing his opposition to the proposed welfare cuts, referring to the policy as,

“A programme of starvation.”

The Socialists Workers’ Party, were also among the protests as Andrew Howard, a member from the party demonstrated that the Bedroom Tax would only increase issues within society.

“It is actually going to cost more money to implement than they’re actually going to save.”

However, Mr Tom, a representative of the campaign group ‘Birmingham against the cuts’ felt the policy was unfair.

“The Bedroom Tax is not feasible for the poor, unemployed and disabled.”

The affect on the disabled

According to UK charity Scope, out of the 660,000 people estimated to be affected by the Bedroom Tax in Britain, 420,000 are disabled. Scope reveals this is due to individual cases with specialist needs who need a spare room for medical equipment or for when a carer stays, whilst some are simply too sick to move house and downsize.

Amisha Koria, Senior Media and PR Officer for Scope, expressed her concerns about the effects the Bedroom Tax will have on disabled people:

“Many families of disabled people tell us they are struggling to make ends meet. Multiple cuts to their benefits and services they rely upon have made things worse. Many have lost thousands of pounds in vital financial support.”

With the Department of Work and Pensions making concessions to the original policy, the disabled are being given increasing awareness within the policies exemptions due to  the press attention of individual cases. Richard Gorry father of five, appealed against the policy due to his concern about the discrimination the policy inflicted against the disabled as his two children were unable to share bedrooms due to their disabilities. Iain Duncan Smith has since gone on to highlight that those like Richard Gorry, whose children are severely disabled, will be exempt on loosing part of their housing benefit. 

The taxation on the spare bedroom relies upon the number of spare bedrooms and the price of the property rental, although according to the government’s impact assessment report the estimated average loss in benefits will be £14 a week.

With many unable to meet the financial demands of the taxation and with the limited housing stock availability to downsize, it is areas such as Ladywood that are most likely to feel the effects of the policy. Councillor John Cotton considers the Bedroom Tax to be “widening the gap of inequality” within the city effecting Birmingham’s most deprived areas as Birmingham City Council revealed that almost half of residents in Ladywood are either council tenants or live in a Housing Association. With only 29% of Ladywood council tenants using just one bedroom, a potential of 71% may be affected by the Bedroom Tax whilst ErdingtonNorthfield and Hodge Hill are also expected to be highly affected by the policy.

What’s being done?

In an attempt to support tenants and those estimated to be affected by the Bedroom Tax, Councillor John Cotton highlights the ways Birmingham City Council are attempting to handle the “consequences” of the policy. By setting up a multi-agency community with advice agencies, councils and housing associations, Councillor John Cotton attempts to frame a response to the welfare reform, where food banks, advice and support for social housing tenants can be accessed. Birmingham City Council also look to help tenants avoid the taxation by providing solutions to the policy through lodgers, downsizing and providing financial support with the help of  the Citizens’ Advice Bureau.

“We are trying to put all things we can in place to support tenants.”

The overall effect of the Bedroom Tax will only increase problems to society’s most vulnerable rather than solve and acknowledge the problem of overcrowding in the social housing sector. After recently receiving numerous letters of complaints surround the policy by registered charities, Iain Duncan Smith has ordered officials to look again at the policy and the implications it is causing upon society.

With recent concession made to the bedroom policy towards foster families, disabled and armed forces the enforcement of the policy clearly demonstrates the governments ill-thought out plans towards the policy. Whilst this review is progressing  Birmingham is doing its best to deal with the current situation and support those who will be affected by the Bedroom Tax with websites offering support and guidance.

No DSS signs may cause rise in homelessness

Tenants receiving benefits are being alienated by landlords in the Birmingham area through the use of “No Dss” signs on their properties.

Dss is an antiquated term referring to the department of social security and all those receiving government benefits from them.

It seems that these signs are more prolific in the most deprived areas of the city with the cheapest rental properties including Great Barr, Erdington and Quinton which will inevitably make it more difficult for people receiving housing and other forms of benefit to find somewhere to live.

As a result of this people who are being forced to downsize due to the bedroom tax, may be left homeless as the waiting list for local authority housing continues to grow, despite a lack of new houses being built.

“The stereotypical views held by landlords about people receiving benefits is what’s lead us to this.” Amy Clements, 20, Erdington.

“We shouldn’t be made to feel unwanted by our own communities. My family have never been in any trouble with the law and the only reason I’m receiving benefits is because there just aren’t any jobs out there. I want to work but there’s just nothing for me and denying me a house simply because I can’t find a job is so unfair” Ben Steel, 23, Great Barr.

There has been debate over whether or not landlords are indirectly discriminating against the disabled through the signs. This is because many people with disabilities are unable to work and are forced to claim incapacity benefits.

I contacted several estate agents in the Birmingham area to question them about what they mean by “No DSS” and why they don’t accept it and received conflicting information from all of them.

A spokesperson from Andrews in Great Barr said:

“We don’t accept people receiving housing benefits. It’s our policy because the DSS department will only correspond with the tenant, not the landlord or letting agency meaning that if the tenant forgets to pay, we have no way of gaining access to the money. It’s actually the policy of Anderson’s who owns Andrew’s.”

A spokesperson from Anderson’s in Erdington commented:

“It’s down to the landlord’s individual choice whether or not they accept people on DSS”

This statement clearly contradicts that of Andrew’s who is a subsidiary of Anderson’s.

A representative of Green and Co state in Great Barr stated:

“It’s because of referencing affordability. Referencing companies won’t accept people on DSS because they are unable to provide them with a reference”.

However, when contacted for comment HomeLet, a referencing company authorised by the financial services department, stated:

“Referencing agencies will reference anyone. It’s the estate agents decision.”

I contacted a number of other letting agencies and was told the same thing by all of them. ‘It’s not the agency’s responsibility; it’s the landlord/referencing company’s decision’.

Humberstone homes in Quinton will not accept housing benefits, even if the tenant is already working. Whilst Green estate agents in Erdington will consider disability living allowance but no incapacity benefits or housing benefits, as is the same for Maplewood lettings, Homes for rent and Home point lettings.

Alastair Brownlow, a local private landlord said:

“I’ve found in the past that DSS tenants are less reliable in terms of cleanliness, the upkeep of the house and require me to be called out to the property more because of complaints from the neighbours”.

It is clear to see that landlords are basing their policies relating to DSS on misguided stereotypes of people receiving benefits however, in a time of triple dip recessions and of record numbers of unemployment, where university graduates who were once considered to be the most promising young minds in the country are coming straight out of university and into long term unemployment and more mature experienced workers are losing their jobs because it is no longer considered economical to employ them, the stereotypical ‘lazy doll dosser’ is no longer one that relates to our society. If discrimination against tenants receiving benefits continues, a rise in homelessness in the poorest areas of the country is unavoidable and once again, the most vulnerable of society will be worst affected.

“What about the single mother living in a 1-bedroom flat with her 10 children?” says pensioner Pauline Carty

Pauline Carty

The Bedroom Tax has only reported about those who are going to be affected by this tax implemented within the next couple of weeks. However has anyone even considered who will benefit from the tax?

Pensioner, Carty feels that on the face of the tax introduction it is a good idea, it is something that needs looking at however is worried that the government has not given enough thought as to the best way to implement it. Alot of areas have been missed out such as disabled and foster carers who make up a huge number of people caught up in this bubble, they havent looked at how they are going to administrate this issue. The government has said they can apply for discretionary housing payment, however these are peoples homes and the DHP is only for 6 months.

The way DHP works is the government pay the excess between the contractual rent and the eligible rent using the Department of Social Development (DSD). However this budget is limited in funds thus can only support an individual for a maximum period of 6 months.

She feels something needs to be done as a person living in a two bedroom house on government funds, when they only need a one-bedroom house, to be asked to pay a little extra is acceptable and perfectly reasonable.

“I worked in a neighbourhood office where I can recall a woman living in a 1-bedroom flat with 10 children and that’s not fair, not right and how can we have a person being paid by the government to chill and relax with her children in a 1-bedroom house. I can also recall coming across a case where a single mother was living in a 4-bedroom flat and her children had grown up and left home, the mother of 10 children would love to have 4-bedrooms – she needs four bedrooms.”

“People’s frustration is understandable” says Carty, having asked to pay a little extra may not be within ones capibilities to pay the excess “so I can understand. However where would you draw the line?” “The rules we lived by 20 years ago worked back then, and things have changed now. Like divorces were taboo in my mother’s era however people splitting up much more so there’s an increase in demand for more housing.”

“People need to distinguish between a want and a need.” the mother living in a 4-bedroom house does not need it and is a luxury itself. Whereas there are some people out there living under difficult circumstances who really and truly will benefit from this change.

“People can feel the pinch already with food and fuel prices increasing and can’t feed themselves, especially if they have children.” The current economic situation is difficult and some may not be able to afford the increased payments and shall be forced to have to be re-homed.

“Politicians don’t live in the real world and don’t feel the things we feel. They go home to their mansions so it easy for them to make changes but do not think it through or think about the the people they are ruling.”

“Next we’ll have the window tax,” says Carty. She feels the government are desperate for cutting budgets that are inventing policies which on the surface are good, however lack of thinking them through has resulted in much destruction to certain individual’s livelihood.

“Even if people under-occupying were willing to move to a smaller home, will not be able to as there are not enough homes to cater for.” As a result she feels people will then be forced to pay these extra costs and eventually will lead to eviction and homelessness.

Homelessness is a serious issue within Britiain. Autum 2012, the estimated total of rough sleepers in England was 2309. This figure looks like it is only going to increase.

Academic Psychologists oblivious to The Bedroom Tax

After several phone conversations with different health/child psychologists I think I can conclude how there are people out there who don’t watch the news to find out whats happening in the society around them.

Academic psychologists from and around Birmingham and some health psychologists were also unfamiliar with this term.

It was most shocking to find that people were unaware with the term ‘Bedroom Tax,’ and a reason for this could be that maybe as it doesn’t affect them, it is of no interest to them, therefore they are unaware of how widely covered this topic is at the moment.

Due to them being unaware of these new cuts to benefits coming into effect over the next couple of weeks suggests that they will be unaware of the change of symptoms amongst patients. Also if they see an increase of medical health issues coming into their practice, again they will be ignorant as to why there is a boom in new cases.

It would have been interesting to find out if there was to be an increase in number of cases, whether they had the facilities to deal with them. Most importantly if a patients symptoms/condition got worse what effects would this have on them, so ultimately what would this additional stress cause to a patient who is already ill.

Not just physical, but the mental health of people would have been an interesting area to articulate, and if they were parents, what effect this would have on their children.

This area was a key part of the investigation by looking at the cognitive and health effects this policy was going to cause. This would have acted as a key angle and provided valuable data as to another professional organisation that would have been affected by this policy.

Bedroom Tax will penalise disabled children

Doctors have now raised their disgust on the “astounding” Bedroom Tax as it will affect the lives of children with disabilities.

Families that have a spare room in order to take care of their disabled child’s needs with be forced to pay the tax for the extra bed. As some families will not be able to support this tax, the disabled child will be forced to share a room with his/her other siblings or family members.

Doctors have argued that the implications of this new welfare reform are ‘ludicrous’, ‘unfair’, and ‘appalling’.

They believe that forcing siblings to share with their disabled other may cause family ties to break and cause a lot of extra pressure on the parents.

“Children with significant disabilities have many medical problems and particularly at night, many have mobility problems, many have epilepsy and seizures can be particularly troublesome at night.”

“For all these medical reasons disabled children often have discomfort during the night and they need much care and attention from their parents and that would be highly disruptive for any brother or sister that had to share the bedroom with them.”

To read on the case study on a disabled child that will be affected by The Bedroom Tax, click here.


Mapped: Birmingham’s highest areas of benefit claimants


The map below shows Birmingham by its constituencies along with the levels of people who are claiming benefits, areas in red being the highest. Among the most affected areas Ladywood has the highest levels of people on housing benefits in all of Birmingham so it is here that the Bedroom Tax has the highest potential for affecting the most people. Alternatively Sutton Coldfield has least amount of benefit claimants and so stands to be the least affected.


map of areas effected worst by benefits

Click on the map to show the full map, hover over each area to get the percentage of people claiming housing benefits.