Gareth Morgan - Ferret
@ferrinfo.bsky.social
CEO of Ferret Information Systems - benefits advice systems and training specialists. Blogs with boring numbers at https://benefitsinthefuture.com/. Models the effects of tax and benefits systems. Waves a sword in 17c reenactments.
Ending 2 child cap offers no help to those hit by OBC. No family in Wales with 3 kids escapes but add that to the new per-child childcare support and it's a real jump in support if you're earning over 16 x NLW. The better-off in-work numbers can look huge.
November 26, 2025 at 5:29 PM
Ending 2 child cap offers no help to those hit by OBC. No family in Wales with 3 kids escapes but add that to the new per-child childcare support and it's a real jump in support if you're earning over 16 x NLW. The better-off in-work numbers can look huge.
All purpose Budget post.
“I want to get more and pay less”.
“I want to get more and pay less”.
November 25, 2025 at 9:49 AM
All purpose Budget post.
“I want to get more and pay less”.
“I want to get more and pay less”.
If Welsh local authorities matched the best Pension Credit take up performance of a Welsh LA then this is the extra annual benefit that would go into pockets and the local economy. £29.5m a year!
#Wales #benefits #pensioners
#Wales #benefits #pensioners
November 3, 2025 at 2:14 PM
If Welsh local authorities matched the best Pension Credit take up performance of a Welsh LA then this is the extra annual benefit that would go into pockets and the local economy. £29.5m a year!
#Wales #benefits #pensioners
#Wales #benefits #pensioners
Is welfare rights work the reason some areas have double the Pension Credit take-up rate of others?
benefitsinthefuture.com/4092-2/ #pensions #benefits #older #takeup
benefitsinthefuture.com/4092-2/ #pensions #benefits #older #takeup
Big differences in Pension Credit take-up revealed – Benefits in the Future
The DWP have published some analysis, for the first time, which looks at Pension Credit take-up in a much more detailed manner. For the first time it’s possible to see local authority and Westminster ...
benefitsinthefuture.com
November 3, 2025 at 11:37 AM
Is welfare rights work the reason some areas have double the Pension Credit take-up rate of others?
benefitsinthefuture.com/4092-2/ #pensions #benefits #older #takeup
benefitsinthefuture.com/4092-2/ #pensions #benefits #older #takeup
Some areas see almost 90% of eligible Pension Credit paid but others only get 40%. Why and what’s different. benefitsinthefuture.com/4092-2/ #pensions #benefits #older
Big differences in Pension Credit take-up revealed – Benefits in the Future
The DWP have published some analysis, for the first time, which looks at Pension Credit take-up in a much more detailed manner. For the first time it’s possible to see local authority and Westminster ...
benefitsinthefuture.com
November 3, 2025 at 8:03 AM
Some areas see almost 90% of eligible Pension Credit paid but others only get 40%. Why and what’s different. benefitsinthefuture.com/4092-2/ #pensions #benefits #older
Reposted by Gareth Morgan - Ferret
Some areas see almost 90% of eligible Pension Credit paid but others only get 40%. Why and what’s different. benefitsinthefuture.com/4092-2/ #pensions #benefits
Big differences in Pension Credit take-up revealed – Benefits in the Future
The DWP have published some analysis, for the first time, which looks at Pension Credit take-up in a much more detailed manner. For the first time it’s possible to see local authority and Westminster ...
benefitsinthefuture.com
October 31, 2025 at 10:30 PM
Some areas see almost 90% of eligible Pension Credit paid but others only get 40%. Why and what’s different. benefitsinthefuture.com/4092-2/ #pensions #benefits
Reposted by Gareth Morgan - Ferret
"the best performing areas are those which have had a long record of active welfare rights work while those at the bottom have been more poorly resourced" @ferrinfo.bsky.social Gareth Morgan
Big differences in Pension Credit take-up revealed
Big differences in Pension Credit take-up revealed by Gareth Morgan on October 31, 2025 The DWP have published some analysis, for the first time, which looks at Pension Credit take-up in a much mor…
henrytapper.com
November 1, 2025 at 6:40 AM
"the best performing areas are those which have had a long record of active welfare rights work while those at the bottom have been more poorly resourced" @ferrinfo.bsky.social Gareth Morgan
Some areas see almost 90% of eligible Pension Credit paid but others only get 40%. Why and what’s different. benefitsinthefuture.com/4092-2/ #pensions #benefits
Big differences in Pension Credit take-up revealed – Benefits in the Future
The DWP have published some analysis, for the first time, which looks at Pension Credit take-up in a much more detailed manner. For the first time it’s possible to see local authority and Westminster ...
benefitsinthefuture.com
October 31, 2025 at 10:30 PM
Some areas see almost 90% of eligible Pension Credit paid but others only get 40%. Why and what’s different. benefitsinthefuture.com/4092-2/ #pensions #benefits
It’s suggested that the living wage could go up to £12.70 next year. But of every extra £ paid by an employer in 2026, over 90% could go to the Treasury. Why isn’t it going to the low paid worker? See benefitsinthefuture.com/who-actually...
Who actually gains from minimum wage increases? Some pre-budget comments – Benefits in the Future
The real winner from a National Living Wage increase is the Treasury which can take over 90% of the extra paid. The biggest losers are employers. I have written, for several years, in my blog about ...
benefitsinthefuture.com
October 27, 2025 at 2:27 PM
It’s suggested that the living wage could go up to £12.70 next year. But of every extra £ paid by an employer in 2026, over 90% could go to the Treasury. Why isn’t it going to the low paid worker? See benefitsinthefuture.com/who-actually...
Reposted by Gareth Morgan - Ferret
It’s suggested that the living wage could go up to £12.70 next year. But of every extra £ paid by an employer in 2026, over 90% could go to the Treasury. Why isn’t it going to the low paid worker? See benefitsinthefuture.com/who-actually...
Who actually gains from minimum wage increases? Some pre-budget comments – Benefits in the Future
The real winner from a National Living Wage increase is the Treasury which can take over 90% of the extra paid. The biggest losers are employers. I have written, for several years, in my blog about ...
benefitsinthefuture.com
October 25, 2025 at 7:25 PM
It’s suggested that the living wage could go up to £12.70 next year. But of every extra £ paid by an employer in 2026, over 90% could go to the Treasury. Why isn’t it going to the low paid worker? See benefitsinthefuture.com/who-actually...
It’s suggested that the living wage could go up to £12.70 next year. But of every extra £ paid by an employer in 2026, over 90% could go to the Treasury. Why isn’t it going to the low paid worker? See benefitsinthefuture.com/who-actually...
Who actually gains from minimum wage increases? Some pre-budget comments – Benefits in the Future
The real winner from a National Living Wage increase is the Treasury which can take over 90% of the extra paid. The biggest losers are employers. I have written, for several years, in my blog about ...
benefitsinthefuture.com
October 25, 2025 at 7:25 PM
It’s suggested that the living wage could go up to £12.70 next year. But of every extra £ paid by an employer in 2026, over 90% could go to the Treasury. Why isn’t it going to the low paid worker? See benefitsinthefuture.com/who-actually...
Great to see the importance of advice services emphasised in the Work & Pensions Committee report on pensioner poverty publications.parliament.uk/pa/cm5901/cm... Lots of points from my and other advice sector evidence picked up on.
Pensioner Poverty: challenges and mitigations
Report of the Work and Pensions Committee
publications.parliament.uk
July 25, 2025 at 7:50 AM
Great to see the importance of advice services emphasised in the Work & Pensions Committee report on pensioner poverty publications.parliament.uk/pa/cm5901/cm... Lots of points from my and other advice sector evidence picked up on.
Reposted by Gareth Morgan - Ferret
Can we stop talking about £5bn a year spending cut. People on benefits spend their money straight away and very locally. It’s £5bn a year being taken off local shops and businesses. It’s £5bn a year less supporting local jobs. It’s going to close shops and businesses and cut jobs.
June 25, 2025 at 5:38 PM
Can we stop talking about £5bn a year spending cut. People on benefits spend their money straight away and very locally. It’s £5bn a year being taken off local shops and businesses. It’s £5bn a year less supporting local jobs. It’s going to close shops and businesses and cut jobs.
Can we stop talking about £5bn a year spending cut. People on benefits spend their money straight away and very locally. It’s £5bn a year being taken off local shops and businesses. It’s £5bn a year less supporting local jobs. It’s going to close shops and businesses and cut jobs.
June 25, 2025 at 5:38 PM
Can we stop talking about £5bn a year spending cut. People on benefits spend their money straight away and very locally. It’s £5bn a year being taken off local shops and businesses. It’s £5bn a year less supporting local jobs. It’s going to close shops and businesses and cut jobs.
Rather chuffed the Work & Pensions Committee picked a bit of my evidence as an example of their inquiry.
x.com/CommonsWorkP...
x.com/CommonsWorkP...
Work & Pensions Committee on X: "We've been looking into pensioner poverty to find out how to improve access to and take-up of Pension Credit and other support. 📹 Watch @gmorgan_ferret share with us the challenges people may face and why they don't claim for benefits. https://t.co/m5JC56QDdZ" / X
We've been looking into pensioner poverty to find out how to improve access to and take-up of Pension Credit and other support. 📹 Watch @gmorgan_ferret share with us the challenges people may face and why they don't claim for benefits. https://t.co/m5JC56QDdZ
x.com
April 4, 2025 at 4:18 PM
Rather chuffed the Work & Pensions Committee picked a bit of my evidence as an example of their inquiry.
x.com/CommonsWorkP...
x.com/CommonsWorkP...
“Ministers hail 'huge' minimum wage boost” but the reality is very different benefitsinthefuture.com/the-new-gove... #benefits #tax #minimmwage #NLW
The ‘new’ government is continuing to be extremely generous…to itself? – Benefits in the Future
My annual updated version of the blogs which were posted here in April 2021, November 2022, and November 2023. This now uses the NLW figure of £12.21 an hour, and the changes to employers NI announc...
benefitsinthefuture.com
April 1, 2025 at 7:43 AM
“Ministers hail 'huge' minimum wage boost” but the reality is very different benefitsinthefuture.com/the-new-gove... #benefits #tax #minimmwage #NLW
Pleased to have the chance to give evidence to the Work and Pensions Committee session on pensioner poverty this week. Really pleased that Daphne Hall and Gary Vaux are also there to talk about what advice can do.
March 23, 2025 at 4:22 PM
Pleased to have the chance to give evidence to the Work and Pensions Committee session on pensioner poverty this week. Really pleased that Daphne Hall and Gary Vaux are also there to talk about what advice can do.
Reposted by Gareth Morgan - Ferret
Governments tend to focus on reducing health-related benefit in-flows by tightening eligibility criteria.
But doing so concentrates large losses among a subset of claimants - hitting some low-income families hard.
Read more➡️ buff.ly/d1u2Tkn
But doing so concentrates large losses among a subset of claimants - hitting some low-income families hard.
Read more➡️ buff.ly/d1u2Tkn
March 10, 2025 at 1:35 PM
Governments tend to focus on reducing health-related benefit in-flows by tightening eligibility criteria.
But doing so concentrates large losses among a subset of claimants - hitting some low-income families hard.
Read more➡️ buff.ly/d1u2Tkn
But doing so concentrates large losses among a subset of claimants - hitting some low-income families hard.
Read more➡️ buff.ly/d1u2Tkn
Reposted by Gareth Morgan - Ferret
@samfr.bsky.social Just received an email from gov.uk advising me to use the Internet if I don't have Internet access.
December 31, 2024 at 2:15 PM
@samfr.bsky.social Just received an email from gov.uk advising me to use the Internet if I don't have Internet access.
I got my NI figures wrong in my analysis of the NLW increase in 2025. I said that the government could get up to 93.78% of the extra paid by employers. The actual figure should be 92.56%. The corrected post is at benefitsinthefuture.com/the-new-gove.... Many apologies.
The ‘new’ government is continuing to be extremely generous…to itself? – Benefits in the Future
My annual updated version of the blogs which were posted here in April 2021, November 2022, and November 2023. This now uses the NLW figure of £12.21 an hour, and the changes to employers NI announc...
benefitsinthefuture.com
December 30, 2024 at 12:02 PM
I got my NI figures wrong in my analysis of the NLW increase in 2025. I said that the government could get up to 93.78% of the extra paid by employers. The actual figure should be 92.56%. The corrected post is at benefitsinthefuture.com/the-new-gove.... Many apologies.
Reposted by Gareth Morgan - Ferret
Scientist exposes secret behind ‘longevity diet’ myth: pension fraud- fascinating
www.thetimes.com/article/db9f...
www.thetimes.com/article/db9f...
Scientist exposes secret behind ‘longevity diet’ myth: pension fraud
A researcher wins an Ig Nobel prize for his work on record-keeping systems where people live longer than average — and says the data is flawed
www.thetimes.com
December 28, 2024 at 9:46 AM
Scientist exposes secret behind ‘longevity diet’ myth: pension fraud- fascinating
www.thetimes.com/article/db9f...
www.thetimes.com/article/db9f...
Reposted by Gareth Morgan - Ferret
Due to the impact of various tax and benefit policies, increases in the minimum wage do not have an entirely progressive impact on household incomes.
This is the result of some benefits being withdrawn and more taxes being paid as earnings rise.
This is the result of some benefits being withdrawn and more taxes being paid as earnings rise.
December 17, 2024 at 9:55 AM
Due to the impact of various tax and benefit policies, increases in the minimum wage do not have an entirely progressive impact on household incomes.
This is the result of some benefits being withdrawn and more taxes being paid as earnings rise.
This is the result of some benefits being withdrawn and more taxes being paid as earnings rise.
Another AI win. This is Google's AI summary of NI in April 25. "Class 1 National Insurance rate
The rate for employees will be 15% from April 2025.
...
Employment Allowance
All employers will be able to claim the Employment Allowance"
The rate for employees will be 15% from April 2025.
...
Employment Allowance
All employers will be able to claim the Employment Allowance"
December 10, 2024 at 4:31 PM
Another AI win. This is Google's AI summary of NI in April 25. "Class 1 National Insurance rate
The rate for employees will be 15% from April 2025.
...
Employment Allowance
All employers will be able to claim the Employment Allowance"
The rate for employees will be 15% from April 2025.
...
Employment Allowance
All employers will be able to claim the Employment Allowance"
Reposted by Gareth Morgan - Ferret
Really interesting @jburnmurdoch.bsky.social piece, but I worry about the implications some may draw
Levels of payments & conditionality pushing/pulling people into different parts of the benefits system doesn't necessarily equate to those factors driving worklessness 🧵 www.ft.com/content/1409...
Levels of payments & conditionality pushing/pulling people into different parts of the benefits system doesn't necessarily equate to those factors driving worklessness 🧵 www.ft.com/content/1409...
What if the UK isn’t actually the sick man of Europe?
Britain’s illness-related inactivity crisis looks increasingly like a mirage
www.ft.com
December 6, 2024 at 2:25 PM
Really interesting @jburnmurdoch.bsky.social piece, but I worry about the implications some may draw
Levels of payments & conditionality pushing/pulling people into different parts of the benefits system doesn't necessarily equate to those factors driving worklessness 🧵 www.ft.com/content/1409...
Levels of payments & conditionality pushing/pulling people into different parts of the benefits system doesn't necessarily equate to those factors driving worklessness 🧵 www.ft.com/content/1409...
Great @nawra.bsky.social meeting this week. Some really great things being done across the country by advisers. Next years 50th anniversary plans look exciting and productive.
bsky.app
December 6, 2024 at 5:24 PM
Great @nawra.bsky.social meeting this week. Some really great things being done across the country by advisers. Next years 50th anniversary plans look exciting and productive.