The Widowed Parent's Allowance isn't a terribly well-known benefit. As the government discusses slashing it dramatically there isn't much of an outcry - because most people only know about this benefit when they desperately need it. If the bill goes through as proposed, parents who are widowed after 2016 will find their situation even harder, as financial problems add to the emotional torment.
Fortunately, there is a way to make sure we are protected.
The allowance currently offers a £2,000 one-off lump sum, and then an allowance of up to £108.12 a week for as long as your family is entitled to child benefit (or you remarry or live with a new partner). The money can be used for bills, to pay for childcare, or to help pay the mortgage: it's a lifeline for many.
However, from 2016, any parent who is widowed after this date will receive just a lump sum of £5,000, and the monthly payments for a year. Clearly the new system is designed to step in at a time of crisis - but assumes that after a year you will somehow be able to make things work alone.
And if your children lost a parent less than a year ago, it's going to be difficult for them to understand why they may need to leave their family home, and possibly even the area in which they grew up, at such a difficult time.
OppositionThe change was first proposed in August 2012, and forms part of the Pensions Bill which was published in May, and was debated in the House of Commons yesterday.
This week a number of charities wrote to the Times raising awareness of the cuts, and calling on the government to re-think their plans. The charities, including Cruse Bereavement Care, Gingerbread, The Childhood Bereavement Network and the Low Incomes Tax Reform Group, highlighted that widowed parents and children need this support.
They said of the children: "The care and support of their other parent is crucial in helping them adapt to a radically changed life. The current system of Widowed Parents' Allowance allows parents the flexibility to provide this support, with weekly payments until the youngest child no longer qualifies for Child Benefit. This support system is under threat: the government has included proposals for radical reform of bereavement benefit in the Pensions Bill, proposing to pay it for just one year."
The groups estimate that 90% of people will be worse off, and those with younger children will be particularly badly affected. They added: "Amid the discussions about second-tier pensions and the State Pension age, let us not forget that thousands of grieving children each year will be affected by the changes proposed."
Protect yourselfThere is still a fair way to go before the Bill becomes law, with the committee and reports stage, and another debate in the Commons before it goes over to the Lords. There is therefore a chance that widowed parents will be given a break.
However, whatever happens to this particular benefit, it underlines how vital it is for parents to make provision for what will happen in the event of their death. Even under the current system, many millions of parents would not be able to pay the bills.
Parents need to buy life insurance, at the very least they need enough to pay off the mortgage. They also need money to enable their partner to get by, and perhaps cover childcare while their children need it.
The first step is to find out if your employer will pay out if you were to die while employed by them, and if you expect to stay with the company for a significant period you can subtract it from the total you need.
The rest you need to make up yourself through life insurance. The good news is that it doesn't have to cost the earth. The average premium for a non-smoking mum taking out £250,000 insurance for ten years is less than £1 a day.
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