Financial Inclusion Pathways Event Presentation

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Financial Inclusion Pathways Event Presentation

What is the child poverty challenge in Scotland? Hanna McCulloch, Policy & Parliamentary Officer, Child Poverty Action Group (CPAG) in Scotland Addressing child poverty in Scotland 1 in 5 (220,000) children live in poverty in Scotland So what is the ‘child poverty line’ using a relative measure? Lone parent with 2 kids £291 per week a week 2 parent family (2 kids) £393 a week SLIDE TITLE / DATE DD/MM/YY / SLIDE NUMBER Rates of child poverty in Scotland Overall: 1 in 5 Disabled households:1 in 3 Lone parents: 2 in 3 Child poverty Glasgow City 34.05% rates Linn 32 % Newlands/Auldburn 31 % (AHC) Greater Pollok 33 % Craigton 31 % Govan 38 % Pollokshields 33 % Langside 25 % Southside Central 40 % Calton 43 % Anderston/City 32 % Hillhead 28 % Partick West 25 % Garscadden/Scotstounhill 35 % Drumchapel/Anniesland 36 % Maryhill/Kelvin 31 % Canal 39 % Springburn 42 % Royal College of paediatrics and child health Poverty is the “biggest cause of poor health” in society and “children living in the most deprived areas are much more likely to be in poor health, be overweight or obese, suffer from asthma, have poorly managed diabetes, experience mental health problems, and die early.” Projected child poverty (%) BHC SUB TITLE 25.7 24.7 Lorem ipsum dolor sit amet, consectetur adipisicing23.3 elit, sed do eiusmod tempor incididunt ut labore21.8 et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in 19.7 reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur17.8 sint occaecat cupidatat non proident, sunt in culpa17.1 qui officia17 deserunt mollit anim id est laborum. 2013/14 2014/15 2015/16 2016/17 2017/18 2018/19 2019/20 2020/21 SLIDE TITLE / DATE DD/MM/YY / SLIDE NUMBER What difference can financial inclusion pathways make to increasing child poverty? Much of the projected increase in child poverty is a direct result of ongoing social security reform Access to advice can mitigate the effect of some of the worst reforms e.g. the benefit cap EWS case: A lone parent has four children between the age of one and ten, the youngest of whom has recently been diagnosed with a severe disability. The lower benefit cap limit means she will now be required to pay £172 a week. To be able to work the client would require childcare for her four children, including someone who is specially trained to look after the child who is disabled. INCOME CRISIS IN SCOTLAND What difference can financial inclusion pathways make to increasing financial crisis? Access to advice can help families avoid income crisis caused by delay, error and maladministration EWS case: A lone parent with three children is having ongoing problems with her universal credit: • she did not receive the housing element as she should have done • her award did not change when she notified the DWP about the birth of her third child • the bedroom tax continued to be applied despite the home no longer being under occupied • wildly varying deductions (£16‐£96) were made to her benefits with no explanation as to why. Contact details Hanna McCulloch Policy and Parliamentary Officer, CPAG in Scotland 0141 611 7090 [email protected] SLIDE TITLE / DATE DD/MM/YY / SLIDE NUMBER.

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