word
sp
RIGHT
sp
WHO
CAN
CLAIM
sp
INCOME
SUPPORT
sp
ER
sp
TO
sp
BE
OVER
EIGHTEEN
sp
IS
sp
IT
sp
ERM
sp
SOME
sp
PEOPLE
UNDER
EIGHTEEN
sp
CAN
sp
CLAIM
WHO
ARE
THE
MAIN
sp
AREA
OF
sp
PEOPLE
THAT
sp
WE
DEAL
WITH
sp
A
GENERALIZATION
sp
FOR
MOST
OF
THE
sp
PEOPLE
sp
WE
SEE
sp
COMING
sp
IN
MOST
sp
PEOPLE
sp
UNEMPLOYED
UNEMPLOYED
UNEMPLOYED
sp
YEAH
SO
sp
PEOPLE
WHO
ARE
UNEMPLOYED
sp
CAN
CLAIM
INCOME
SUPPORT
sp
ANY
OTHER
PEOPLE
sp
APART
sp
FROM
PEOPLE
WHO
ARE
UNEMPLOYED
THAT
CAN
sp
CLAIM
INCOME
SUPPORT
sp
THOSE
sp
ON
sp
LOW
sp
INCOMES
sp
LOW
INCOME
sp
YES
ANYONE
sp
ELSE
sp
TRAINING
COURSES
sp
TRAINING
COURSES
YOU
KNOW
sp
LIKE
sp
U
T
sp
AND
RIGHT
sp
THEY'RE
ACTUALLY
PAID
A
TRAINING
ALLOWANCE
sp
WHICH
IS
RELATED
sp
TO
INCOME
SUPPORT
sp
BUT
IT
ISN'T
sp
THEIR
INCOME
SUPPORT
MM
sp
SO
sp
ANYTHING
sp
ANYONE
ELSE
WHO
MIGHT
sp
RECEIVE
sp
INCOME
SUPPORT
sp
OLD
AGE
sp
PENSIONERS
sp
PENSIONERS
sp
YES
sp
ANYONE
ELSE
sp
IF
sp
YOU'RE
sp
DISABLED
sp
ERM
sp
YES
BUT
THEY
NORMALLY
RECEIVE
THEIR
sp
ERM
DISABILITY
ALLOWANCE
THEIR
OWN
sp
BENEFITS
YES
RELATED
TO
DISABILITY
sp
BUT
YES
sp
THEY
CAN
sp
IF
sp
THEY
DON'T
sp
RECEIVE
ENOUGH
FROM
OTHER
MEANS
sp
YEAH
YES
sp
IT'S
sp
WHAT
THE
sp
GOVERNMENT
THINK
I
HEARD
sp
THAT
ONE
{OOV}
sp
THAT'S
sp
QUITE
AN
OLD
sp
ONE
{OOV}
sp
THERE'S
NO
sp
IT'S
ALRIGHT
sp
THERE'S
ERM
sp
THERE'S
ONE
OTHER
sp
ERM
sp
GROUP
OF
PEOPLE
THAT
MIGHT
BE
sp
ABLE
TO
CLAIM
sp
ONE
PARENT
FAMILIES
YEAH
SINGLE
PARENTS
THAT'S
ANOTHER
VERY
COMMON
ONE
sp
YEP
sp
SINGLE
sp
PARENTS
RIGHT
sp
SO
WHAT
sp
FACTORS
sp
DECIDE
sp
WHAT
sp
YOU
GET
sp
UNDER
INCOME
sp
INCOME
SUPPORT
sp
YOUR
sp
INCOME
I
SUPPOSE
{OOV}
sp
ERM
{OOV}
sp
MEANS
TESTED
sp
YEAH
sp
YEAH
sp
SO
sp
LOOKING
AT
SOMEBODY'S
sp
NEEDS
sp
AND
WHAT
ARE
THE
SORT
OF
sp
THINGS
THEY'RE
LIKELY
sp
TO
TAKE
INTO
sp
ACCOUNT
YEAH
sp
HOW
MANY
THERE
ARE
sp
IN
THE
sp
FAMILY
INCOME
sp
ER
sp
HOW
sp
MANY
sp
IN
THE
FAMILY
sp
YES
sp
NUMBER
OF
DEP
sp
NUMBER
OF
sp
CHILDREN
sp
NUMBER
sp
OF
sp
CHILDREN
IS
THAT
OPPOSED
TO
sp
THE
NUMBER
sp
OF
ADULTS
ERM
{OOV}
AS
sp
WELL
AS
AS
sp
WELL
sp
AS
sp
FINANCIAL
COMMITMENTS
sp
FINANCIAL
sp
COMMITMENTS
sp
MORTGAGE
sp
{OOV}
HOUSING
sp
YES
MORTGAGE
WILL
THEY
sp
WILL
HELP
WITH
THE
MORTGAGE
sp
WHAT
HAPPENS
ABOUT
RENT
sp
GET
sp
SOME
HOUSING
BENEFIT
sp
YEAH
sp
THEY
CAN
CLAIM
HOUSING
BENEFIT
sp
THAT
ISN'T
sp
INCOME
SUPPORT
sp
THAT'S
sp
ANOTHER
BENEFIT
sp
THAT
THEY
CLAIM
sp
FROM
THE
LOCAL
sp
AUTHORITY
sp
SO
IF
THEY'RE
IN
sp
RENTED
ACCOMMODATION
sp
THEN
sp
THEY
WILL
NEED
TO
sp
MAKE
A
sp
CLAIM
sp
TO
sp
A
sp
LOCAL
sp
AUTHORITY
sp
FOR
THAT
WHAT
OTHER
THINGS
sp
MIGHT
sp
D
S
S
TAKE
sp
INTO
sp
ACCOUNT
POLL
sp
TAX
SAVINGS
sp
ER
sp
SAVINGS
sp
YOU
MENTIONED
POLL
TAX
sp
ERM
sp
ANOTHER
sp
ANOTHER
sp
THING
YOU
sp
CAN
CLAIM
sp
IS
RELIEF
sp
FROM
sp
PAYING
POLL
TAX
sp
SO
IT'S
NOT
sp
DIRECTLY
sp
LINKED
WITH
INCOME
SUPPORT
sp
YOU
CLAIM
RELIEF
sp
FROM
THE
PEOPLE
WHO
COLLECT
sp
POLL
sp
TAX
sp
BUT
THE
FACT
YOU
ARE
CLAIMING
INCOME
SUPPORT
sp
IS
A
sp
FACTOR
THAT
THEY
LOOK
sp
AT
sp
SO
IF
sp
YOU
sp
WERE
IN
RECEIPT
OF
INCOME
SUPPORT
sp
THEN
YOU
DON'T
sp
HAVE
TO
sp
PAY
VERY
MUCH
SO
WHO
ARE
THESE
PEOPLE
sp
THEN
THAT
YOU
GET
RELIEF
sp
FROM
sp
IF
YOU
WANT
sp
HELP
sp
WITH
YOUR
sp
POLL
sp
TAX
sp
RIGHT
sp
YOU
WOULD
sp
CLAIM
THAT
sp
FROM
YOUR
sp
LOCAL
AUTHORITY
sp
IN
THE
SAME
WAY
AS
HOUSING
sp
BENEFIT
YOU'VE
GOT
sp
HOUSING
BENEFIT
FORMS
sp
{OOV}
YEAH
YEAH
OKAY
sp
SAVINGS
sp
ERM
sp
SOMETHING
ELSE
sp
THAT
WOULD
sp
RELATE
sp
TO
sp
NUMBER
OF
CHILDREN
sp
ADULTS
sp
IS
ALSO
sp
THE
sp
AGE
sp
THE
AGES
sp
OF
THE
PEOPLE
IN
THE
sp
HOUSE
sp
WHAT
sp
JUST
OF
sp
THE
CHILDREN
OR
sp
OF
THE
ADULTS
AS
sp
WELL
sp
WELL
sp
ONCE
THEY'RE
OVER
EIGHTEEN
sp
AGE
IS
IMMATERIAL
sp
OH
RIGHT
sp
BUT
ERM
sp
THERE
THERE
ARE
sp
A
sp
COUPLE
OF
sp
DIFFERENT
RATES
AT
sp
WHICH
sp
ER
sp
INCOME
SUPPORT
IS
sp
CLAIMED
DEPENDING
ON
sp
HOW
OLD
sp
THE
CHILD
sp
IS
sp
OH
REALLY
sp
YEAH
sp
WHAT
ABOUT
THE
OTHER
ER
sp
END
sp
OF
THE
SCALE
sp
SOMEBODY
sp
OVER
SIXTY
sp
FIVE
OR
sp
SEVENTY
FIVE
OR
EIGHTY
sp
{OOV}
RIGHT
sp
AS
I
UNDERSTAND
IT
THERE'S
NO
NO
sp
BANDING
AT
sp
THAT
END
sp
THAT'S
sp
STRANGE
ISN'T
IT
BECAUSE
THERE'S
sp
A
sp
LOT
OF
ERM
PENSIONS
THAT
sp
ARE
sp
TRIGGERED
sp
OFF
sp
BY
THE
sp
AGE
OF
sp
THE
sp
ELDERLY
sp
PERSON
MM
OF
COURSE
sp
THERE
sp
THERE
ARE
THINGS
I
sp
MEAN
THERE
IS
sp
THE
sp
PENSION
sp
THERE
IS
sp
ALSO
sp
ATTENDANCE
sp
ALLOWANCE
AND
sp
THERE
ARE
VARIOUS
sp
THINGS
sp
LIKE
THAT
sp
WHICH
ARE
sp
OUTSIDE
sp
THIS
MM
sp
YEAH
sp
BUT
THEY
WILL
TAKE
INTO
ACCOUNT
ANY
SPECIAL
sp
HELP
sp
THAT
sp
IS
sp
NEEDED
sp
FOR
sp
SOMEBODY
WHO'S
sp
DISABLED
sp
WASHING
sp
EXTRA
sp
EXTRA
sp
MONEY
sp
FOR
WA
IF
sp
THEY'VE
GOT
LOTS
OF
sp
WASHING
sp
TO
sp
DO
sp
{OOV}
SO
YOU
sp
CAN
GET
SPECIAL
sp
HELP
sp
IF
SOMEBODY'S
sp
DISABLED
sp
OH
sp
YOU'RE
RIGHT
sp
THERE'S
A
sp
PENSION
sp
{OOV}
sp
AS
sp
WELL
sp
YEAH
YES
sp
YES
sp
SORRY
sp
THAT'S
sp
ALRIGHT
sp
RIGHT
sp
SO
sp
LET'S
HAVE
A
LOOK
sp
HAS
ANY
HAS
ANYONE
NOT
SEEN
ERM
sp
B
sp
ONE
sp
NO
I
HAVEN'T
sp
I'M
sp
NOT
sp
REALLY
sp
{OOV}
RIGHT
sp
WELL
I'VE
ONLY
SEEN
THE
BACK
sp
OF
IT
I'VE
sp
NEVER
LOOKED
RIGHT
THROUGH
IT
SO
HOW
HOW
sp
MANY
sp
DO
sp
WE
NEED
sp
ALL
ALL
sp
{OOV}
sp
{OOV}
sp
YOU
sp
HAVE
A
LOOK
BETWEEN
sp
THE
TWO
sp
{OOV}
sp
YOU'VE
BEEN
READING
sp
B
sp
ONE'S
sp
ALL
sp
WEEK
HAVE
I
YOU'VE
BEEN
READING
B
ONE'S
sp
FOR
sp
WEEKS
sp
HAVEN'T
sp
YOU
RIGHT
sp
YOUR
sp
RATE
OF
sp
ALLOWANCES
sp
AREN'T
sp
THERE
sp
BECAUSE
THEY
GO
sp
OUT
OF
sp
DATE
sp
SO
sp
FAST
sp
SO
I'VE
GOT
AN
EXTRA
YOU
CAN
HAVE
ONE
sp
OF
sp
THESE
EACH
WITH
sp
THE
RATE
sp
OF
sp
ALLOWANCES
sp
THANKS
sp
{OOV}
sp
AND
sp
THERE'S
ALSO
sp
YOU
MAY
OR
sp
MAY
NOT
sp
HAVE
sp
THE
ERM
sp
FORM
WHICH
YOU
CLAIM
sp
RELIEF
sp
FOR
sp
COMMUNITY
CHARGE
sp
AND
sp
HOUSING
sp
BENEFIT
sp
INSIDE
sp
THE
sp
FORM
sp
YOU
HAVE
TO
HAVE
ANOTHER
ONE
IF
sp
YOU'RE
IN
sp
COU
sp
IF
sp
YOU'RE
NOT
sp
IN
COUNCIL
ACCOMMODATION
sp
FROM
sp
THE
sp
L
sp
WHICH
sp
WE
ISSUE
sp
AS
sp
WELL
{OOV}
{OOV}
YOU
sp
GET
SO
MUCH
STUFF
FROM
sp
THE
N
sp
C
sp
A'S
WHO
DO
sp
THAT
sp
THE
N
sp
C
A'S
sp
WHO
DO
sp
{OOV}
RIGHT
sp
SO
sp
CAN
I
WIPE
THIS
SIDE
OFF
sp
OOH
sp
THAT'S
NOT
sp
FAIR
sp
IS
IT
IF
sp
YOU'RE
EIGHTEEN
TO
sp
TWENTY
sp
FOUR
sp
YEARS
OLD
sp
AND
sp
YOU'RE
sp
BRINGING
UP
sp
A
sp
CHILD
sp
ON
sp
YOUR
OWN
sp
YOU
GET
THE
SAME
AS
TWENTY
sp
FIVE
sp
YEARS
AND
sp
OLDER
sp
RIGHT
SO
IF
WE
sp
LOOK
sp
AT
sp
A
A
sp
TYPICAL
sp
FAMILY
sp
WE
HAVE
sp
WIFE
AND
HUSBAND
sp
BOTH
sp
OVER
EIGHTEEN
sp
BOTH
OVER
EIGHTEEN
sp
HOW
MUCH
WOULD
THEY
GET
sp
SIXTY
sp
TWO
sp
TWENTY
sp
FIVE
sp
THAT'S
sp
IT
sp
SIXTY
TWO
sp
POUNDS
TWENTY
sp
FIVE
sp
OKAY
sp
NOW
IF
sp
THEY
HAD
sp
A
CHILD
sp
WHO'S
sp
FOUR
YEARS
OLD
sp
HOW
sp
MUCH
WOULD
THEY
GET
sp
THIRTEEN
THIRTY
sp
FIVE
sp
THIRTEEN
THIRTY
sp
FIVE
sp
FOR
sp
EACH
CHILD
OKAY
sp
AND
THEN
sp
ANOTHER
CHILD
sp
WHO
IS
sp
SIXTEEN
sp
RIGHT
sp
THAT'S
sp
RIGHT
sp
SO
sp
WHAT
sp
ABOUT
IF
THEY'RE
FOURTEEN
sp
NINETEEN
SEVENTY
sp
FIVE
sp
NINETEEN
SEVENTY
sp
FIVE
sp
THERE
sp
YOU
GO
sp
AND
sp
IN
ADDITION
TO
THAT
sp
THERE
IS
A
sp
PREMIUM
sp
BECAUSE
sp
THEY
ARE
A
sp
FAMILY
sp
AND
THE
sp
PREMIUM
sp
BECAUSE
THEY
HAVE
AT
LEAST
sp
ONE
CHILD
IS
SEVEN
sp
POUNDS
sp
NINETY
sp
NINE
sp
NINETY
sp
FIVE
sp
SO
sp
EV
EVEN
IF
YOU
HAD
sp
SIX
sp
CHILDREN
sp
YOU'D
STILL
sp
ALLOWED
sp
STILL
sp
ONLY
sp
GET
sp
SEVEN
NINETY
sp
FIVE
sp
THAT'S
sp
RIGHT
sp
IN
ADDITION
TO
THE
sp
YEAH
sp
YEAH
YEAH
OKAY
I
sp
DOUBT
IF
sp
YOU'D
sp
HAVE
sp
SIX
sp
CHILDREN
sp
UNDER
FOUR
sp
WOULD
YOU
YOU
COULD
HAVE
I
SUPPOSE
{OOV}
sp
OH
WELL
{OOV}
GOING
sp
BACK
TO
WHAT
JERRY
sp
SAID
YOU'D
{OOV}
sp
SO
sp
YOU'VE
GOT
A
TOTAL
sp
INCOME
sp
COMING
IN
sp
ER
sp
A
TOTAL
sp
AMOUNT
OF
BENEFIT
THERE
sp
OF
A
sp
HUNDRED
AND
THREE
POUNDS
sp
THIRTY
sp
FOR
THIS
sp
FAMILY
sp
OKAY
sp
NOW
sp
THEY
sp
WILL
ALSO
BE
ENTITLED
sp
TO
sp
CHILD
BENEFIT
sp
OKAY
sp
SO
sp
CHILD
BENEFIT
sp
FOR
TWO
CHILDREN
sp
IT'S
sp
NINETY
TWENTY
FIVE
sp
FOR
THE
FIRST
sp
SEVEN
TWENTY
sp
FIVE
sp
FOR
THE
SECOND
sp
SO
THAT
SIXTEEN
POUNDS
sp
FIFTY
sp
WHAT
sp
ARE
sp
THOSE
RATES
sp
AGAIN
sp
NINE
TWENTY
sp
FIVE
sp
FIRST
sp
AND
SEVEN
TWENTY
FIVE
{OOV}
IT'S
NOT
sp
AH
sp
SNEAKY
PEAKY
sp
EH
sp
SO
sp
THE
sp
FOR
THE
OLDEST
CHILD
IT'S
sp
NINE
sp
POUNDS
TWENTY
sp
FIVE
SORRY
IT'S
NOT
sp
ON
sp
THERE
NO
{OOV}
WHAT
IS
IT
TEN
POUNDS
TWENTY
FIVE
sp
NINE
TWENTY
sp
FIVE
sp
FOR
sp
THE
FIRST
CHILD
sp
AND
sp
THEN
SEVEN
sp
POUNDS
TWENTY
sp
FIVE
FOR
SUBSEQUENT
CHILDREN
sp
MAKING
SIXTEEN
POUNDS
FIFTY
IN
TOTAL
sp
THIS
sp
WOULD
sp
THEN
sp
BE
TREATED
AS
sp
INCOME
sp
BY
D
sp
S
sp
S
sp
AND
SO
sp
THIS
AMOUNT
sp
WOULD
sp
BE
REDUCED
sp
BY
sp
SIXTEEN
sp
POUNDS
FIFTY
sp
THAT'S
sp
A
sp
CON
sp
IN
sp
N
IT
sp
MM
sp
I
sp
MAKE
THAT
EIGHTY
SIX
EIGHTY
sp
YEAH
sp
MM
sp
NOW
THAT'S
sp
AN
IDEA
TO
HOW
THEY
DO
sp
IT
sp
DON'T
sp
TRY
sp
TO
COUNSEL
SOMEBODY
AND
TELL
THEM
HOW
MUCH
INCOME
SUPPORT
THEY'RE
GOING
TO
GET
sp
BECAUSE
THAT'S
sp
VERY
VERY
BASIC
sp
THERE
ARE
LOTS
AND
sp
LOTS
OF
OTHER
sp
THINGS
sp
THE
D
S
S
CAN
TAKE
sp
INTO
ACCOUNT
sp
LEAVE
IT
sp
TO
THE
sp
CITIZEN'S
ADVICE
BUREAU
sp
YEAH
sp
LEAVE
IT
TO
THE
CITIZEN'S
ADVICE
sp
BUREAU
sp
OR
THE
D
S
sp
S
I
FEEL
sp
SORRY
FOR
THE
D
S
sp
S
COS
sp
THE
sp
CITIZEN'S
sp
ADVICE
sp
BUREAU
{OOV}
TO
sp
MAKE
sp
SURE
THAT
sp
THE
sp
PEOPLE
sp
GET
ALL
THEY'RE
ENTITLED
TO
sp
{OOV}
sp
MM
sp
THE
CITIZEN'S
ADVICE
sp
BUREAU
HAS
sp
GOT
A
sp
PRO
sp
FORMA
sp
WHICH
sp
IF
A
sp
PERSON
GOES
IN
sp
AND
sp
SAYS
sp
I
sp
THINK
sp
I
OUGHT
sp
TO
BE
GETTING
sp
I
sp
THINK
sp
I
sp
I
DON'T
THINK
sp
I'M
sp
GETTING
sp
SUFFICIENT
sp
INCOME
sp
SUPPORT
sp
OR
I'M
sp
GOING
TO
sp
APPLY
FOR
sp
INCOME
sp
SUPPORT
sp
WHAT
sp
SHOULD
I
sp
GET
AND
sp
THEY
GO
THROUGH
AND
TELL
THEM
sp
WHAT
sp
THEY
SHOULD
sp
GET
sp
MM
WHICH
I
WOULD
sp
FIND
VERY
TRYING
IF
I
WAS
sp
IN
sp
THE
sp
D
sp
S
S
sp
QUITE
HONESTLY
sp
YEAH
RIGHT
NOW
sp
SO
HAVING
ISSUED
sp
B
ONE
sp
WHERE'S
IT
GOT
TO
GO
THE
sp
D
sp
S
sp
S
sp
RIGHT
sp
SO
IT
GOES
TO
THE
D
S
S
sp
WHICH
ONE
THE
sp
ONE
sp
NEAREST
sp
{OOV}
THE
ONE
IN
THE
AREA
WHICH
IN
THEY
LIVE
sp
SO
IT
sp
IT'S
NOT
sp
SPECIFICALLY
RELATED
TO
THE
BENEFIT
OFFICE
sp
WHERE
THEY'RE
SIGNING
sp
IT'S
BASED
ON
WHERE
THEY
LIVE
sp
AND
SO
YOU
MIGHT
sp
FIND
sp
THAT
sp
SOME
OFFICES
sp
HAVE
sp
TO
sp
THINK
sp
OF
TWO
OR
sp
THREE
sp
D
S
S
sp
OFFICES
sp
AND
sp
REFER
VARIOUS
sp
PEOPLE
sp
TO
sp
THE
sp
TO
sp
VARIOUS
sp
ONES
DEPENDING
sp
ON
sp
WHERE
THEY
LIVE
OKAY
sp
NOW
sp
WHEN
sp
YOU
sp
HAD
sp
THAT
BUNDLE
OF
HANDOUTS
THAT
ARE
ALL
STAPLED
TOGETHER
{OOV}
THERE
WAS
sp
A
sp
LIST
sp
OF
sp
THE
D
S
S
OFFICES
sp
TOGETHER
WITH
GUIDANCE
sp
ON
THEIR
ADDRESS
sp
NOW
sp
IF
I
CAN
sp
CHECK
THAT
YOU'VE
ALL
GOT
THAT
sp
I
sp
YOU
HAVEN'T
sp
I'VE
GOT
A
LIST
HERE
THAT
sp
I
sp
CAN
sp
LET
sp
YOU
sp
HAVE
IT
LOOKS
sp
LIKE
sp
THAT
{OOV}
sp
AND
sp
THEN
IF
YOU
COME
ACROSS
sp
IT
sp
LATER
sp
I
sp
WAS
sp
JUST
sp
WONDERING
sp
THAT
sp
OR
IS
IT
sp
IT
sp
IS
sp
IN
sp
FACT
NORTH
sp
RADSTOCK
sp
ISN'T
IT
sp
{OOV}
sp
THE
sp
ACTUAL
TOWN
IS
sp
NORTH
sp
RADSTOCK
sp
OKAY
sp
ANY
QUESTION
SO
sp
FAR
sp
OKAY
sp
RIGHT
sp
SO
WHEN
DO
YOU
ISSUE
A
B
ONE
sp
AT
sp
FRESH
sp
CLAIMS
sp
CHANGE
OF
sp
CIRCUMSTANCES
sp
FRESH
sp
CLAIMS
sp
{OOV}
FRESH
CLAIMS
ER
sp
WHAT
sp
DO
YOU
MEAN
BY
CHANGE
OF
CIRCUMSTANCES
sp
IF
sp
THEY
CHANGE
THEIR
sp
ADDRESS
sp
OR
SOMETHING
OR
THEY
LIVE
sp
WITH
sp
SOMEBODY
ELSE
sp
OR
sp
THEY
MOVE
OUT
sp
FROM
SOMEWHERE
sp
{OOV}
sp
YEAH
sp
ERM
sp
CHANGE
OF
sp
LET'S
SAY
sp
PERSON'S
CIRCUMSTANCES
sp
IT
sp
MIGHT
sp
BE
LIMITING
WITH
A
CHANGE
OF
ADDRESS
IT
sp
MIGHT
sp
NOT
sp
YEAH
sp
ANY
ALSO
sp
WHEN
sp
THEY
RUN
OUT
OF
sp
U
sp
B
WHEN
THEY
RUN
OUT
OF
U
sp
B
sp
YES
sp
ANY
OTHER
TIMES
WHEN
YOU
MIGHT
sp
ISSUE
sp
ONE
ERM
sp
SITUATION
sp
WHERE
sp
YOU
sp
HAVE
SOMEBODY
sp
WHO
sp
HAS
sp
LEFT
sp
THEIR
JOB
sp
WASN'T
sp
CLEAR
sp
AT
THE
TIME
WHAT
THE
CIRCUMSTANCES
sp
WERE
sp
YOU
MAY
sp
FIND
WHEN
YOU
HAVE
sp
THE
sp
REPLY
BACK
sp
FROM
THE
sp
EMPLOYER
THAT
YOU
sp
HAVE
sp
TO
SUSPEND
sp
UNEMPLOYMENT
sp
BENEFIT
sp
IN
sp
THAT
INSTANCE
YOU
COULD
ISSUE
sp
A
sp
B
sp
ONE
sp
SO
THAT
HE
sp
WOULD
sp
HAVE
SOME
sp
MONEY
sp
COMING
sp
IN
sp
SO
sp
IF
UNEMPLOYMENT
BENEFIT
IS
SUSPENDED
sp
AND
ERM
sp
ANOTHER
CIRCUMSTANCE
WHICH
sp
MIGHT
ARISE
IS
SOMEBODY
sp
EXPECTS
sp
TO
RECEIVE
UNEMPLOYMENT
BENEFIT
AND
sp
THEN
sp
FINDS
sp
THAT
sp
THEY'RE
NOT
sp
ENTITLED
TO
sp
IT
sp
BECAUSE
sp
OF
sp
CONTRIBUTION
sp
PROBLEMS
sp
IF
IN
sp
DOUBT
sp
YES
sp
ALWAYS
sp
GIVE
sp
A
B
sp
ONE
sp
IN
MY
OPINION
sp
YES
sp
THAT'S
RIGHT
sp
THEY
MAY
sp
THE
ONLY
THING
IS
THEY
MAY
NOT
WISH
TO
sp
TAKE
sp
ONE
sp
YOU
DON'T
sp
HAVE
sp
TO
sp
YOU
DON'T
sp
HAVE
sp
TO
CLAIM
AND
THEY
MAY
sp
SAY
sp
NO
NO
I
DON'T
sp
WANT
TO
sp
CLAIM
sp
IN
WHICH
sp
CASE
sp
THAT'S
sp
FAIR
sp
ENOUGH
sp
BUT
AT
SOME
sp
FUTURE
TIME
sp
THEY
sp
MAY
DECIDE
THEY
WANT
sp
TO
IF
A
PERSON
REFUSES
sp
U
B
sp
THEY
SHOULD
sp
TAKE
YOU
sp
SHOULD
ISSUE
sp
THEM
WITH
A
sp
LEAFLET
sp
SORRY
REFUSES
sp
U
sp
B
ISSUES
REFUSES
I
S
sp
MHM
YOU
SHOULD
ISSUE
THEM
WITH
sp
THE
sp
BASIC
sp
LEAFLET
TELLING
sp
THEM
sp
ABOUT
I
S
MHM
sp
SO
sp
THAT
sp
THEY'RE
AWARE
OF
WHAT
sp
THEY'VE
sp
REFUSED
sp
THAT'S
A
sp
VERY
GOOD
sp
ER
sp
VERY
sp
GOOD
sp
PRECAUTION
sp
TO
sp
TAKE
sp
YES
sp
VERY
sp
GOOD
IDEA
I
DON'T
sp
NORMALLY
sp
BUT
sp
YOU
sp
CAN
DO
{OOV}
sp
WELL
sp
YES
sp
YOU
CAN
BUT
IF
ANYONE
sp
REFUSES
sp
U
sp
B
sp
ER
I
S
RATHER
I
ALWAYS
sp
GIVE
sp
THEM
A
LEAFLET
{OOV}
SO
THAT
YOU
ARE
sp
SURE
I'M
sp
NOT
sp
CONNING
YOU
sp
SO
sp
BEFORE
sp
WE
sp
ISSUE
sp
BEFORE
WE
sp
HAND
OVER
sp
THE
sp
B
sp
ONE
WHAT
sp
DO
WE
DO
FILL
sp
IN
THE
sp
BACK
sp
WE
sp
FILL
IN
THE
BACK
sp
YES
sp
{OOV}
WE'LL
BE
GIVING
YOU
SOME
EXERCISES
sp
LATER
ABOUT
sp
FILLING
sp
IN
THE
BACK
sp
ERM
sp
WHO
sp
WOULD
sp
DO
THIS
sp
THEN
I
MEAN
sp
IT
sp
WOULDN'T
JUST
sp
BE
sp
ANYONE
sp
COULD
sp
DO
sp
THIS
FILL
sp
OUT
sp
THE
sp
BACK
sp
IT
DOESN'T
sp
HAVE
sp
TO
BE
AN
sp
E
O
DOES
sp
IT
NO
NO
IT
DOESN'T
sp
HAVE
TO
BE
AN
E
O
RIGHT
ERM
THE
ONLY
sp
THING
IS
sp
WHAT
sp
DOES
HAPPEN
OCCASIONALLY
IS
SOMEBODY
sp
COMES
sp
FROM
sp
THE
D
S
S
OFFICES
AND
sp
THEY'VE
BEEN
TOLD
sp
I
NEED
A
B
ONE
sp
WHAT
THEY
HAVEN'T
BEEN
TOLD
sp
IS
sp
THAT
YOU
ACTUALLY
HAVE
sp
TO
MAKE
sp
A
sp
CLAIM
sp
FOR
sp
BENEFIT
AND
HAVE
TO
SIGN
ON
EVERY
FORTNIGHT
{OOV}
EVERY
DAY
sp
IT
sp
HAPPENS
sp
EVERY
DAY
sp
EVERY
sp
DAY
sp
AND
YES
sp
AND
sp
AND
SO
THEN
THEY
sp
THEY'RE
A
BIT
sp
MIFFED
sp
THAT
INSTEAD
OF
THE
sp
B
ONE
sp
THEY'RE
BEING
ASKED
TO
sp
COMPLETE
A
U
B
sp
FOUR
SIX
sp
ONE
A
sp
U
B
SIX
sp
SEVEN
sp
ONE
sp
THEY
THEN
sp
HAVE
sp
TO
sp
COME
TO
sp
AN
sp
APPOINTMENT
sp
AND
BE
INTERVIEWED
sp
WHEREAS
IN
ACTUAL
sp
FACT
I
DON'T
sp
WANT
sp
ALL
sp
THIS
sp
I
WANT
sp
IS
A
B
sp
ONE
sp
BUT
THEY
sp
HAVE
sp
TO
MAKE
sp
A
CLAIM
sp
BEFORE
YOU
sp
CAN
ISSUE
A
sp
B
sp
ONE
AND
THE
sp
D
S
S
sp
CAN'T
sp
ISSUE
B
sp
ONES
sp
UNLESS
sp
THEY'VE
sp
GONE
sp
THROUGH
sp
ALL
sp
THE
PROCEDURE
sp
THAT'S
RIGHT
IN
FACT
D
S
S
sp
DON'T
sp
ISSUE
sp
B
ONES
sp
WE
sp
WE
sp
HAVE
sp
TO
sp
ISSUE
B
sp
ONES
BECAUSE
THEY
HAVE
NEW
PEOPLE
ON
THE
COUNTER
sp
AND
IT'S
sp
IT'S
sp
GOOD
QUESTION
sp
IT
HAPPENS
sp
EVERY
SINGLE
sp
DAY
sp
{OOV}
GO
DOWN
AND
GET
sp
A
sp
B
sp
ONE
sp
{OOV}
HOW
LONG
DOES
sp
IT
sp
TAKE
sp
FOR
sp
INCOME
SUPPORT
sp
TO
sp
COME
THROUGH
sp
ONCE
A
sp
CLAIM
HAS
sp
BEEN
sp
MADE
sp
ACCORDING
TO
THE
MANAGERS
sp
FIVE
AND
sp
A
HALF
DAYS
IN
THIS
AREA
HOW
LONG
IS
A
sp
PIECE
sp
OF
sp
STRING
sp
FIVE
sp
AND
A
HALF
DAYS
THEY
CAN
GET
IT
IMMEDIATELY
sp
{OOV}
GET
IT
IMMEDIATELY
{OOV}
THAT'S
sp
WHAT
sp
I
sp
WAS
sp
QUOTED
LAST
sp
WEEK
sp
RIGHT
sp
WHEN
I
ASKED
sp
THE
sp
SELF
SAME
sp
QUESTION
HE
SAID
FIVE
AND
A
HALF
sp
DAYS
HE
sp
HASN'T
{OOV}
THE
LAST
sp
TIME
I
I
WOULD
sp
I
WOULD
HAVE
sp
THOUGHT
IT
COULD
sp
HAVE
COULD
TAKE
sp
IT
sp
COULD
EASILY
TAKE
TEN
sp
DAYS
YEAH
TWO
WEEKS
TWO
sp
WEEKS
sp
WHEN
THEY
HAD
sp
PROBLEMS
sp
NOT
SO
LONG
sp
AGO
IT
WAS
sp
TAKING
A
MONTH
YEAH
I
HEARD
IT
sp
WAS
sp
SIX
sp
WEEKS
sp
A
MONTH
sp
SIX
WEEKS
WELL
THEY
sp
HAVE
sp
TARGETS
LIKE
WE
ALL
HAVE
AND
ONE
OF
THEIR
TARGETS
sp
IS
sp
HOW
sp
QUICKLY
sp
THEY
CAN
TURN
sp
AROUND
THE
CLAIMANT
'S
sp
MONEY
MM
sp
WHAT
sp
DOES
A
CLAIMANT
DO
THEN
sp
THEY'VE
sp
GOT
NO
sp
MONEY
THEN
FOR
sp
SIX
sp
WEEKS
sp
IF
IT
sp
TAKES
sp
SIX
sp
WEEKS
sp
COME
AND
BANG
ON
OUR
DOOR
sp
FOR
SIX
sp
WEEKS
sp
THEY
GET
I
sp
THINK
sp
THEY
CAN
{OOV}
YEAH
sp
THEY
sp
CAN
GET
A
sp
CRISIS
sp
LOAN
sp
THEY
DON'T
sp
THEY
sp
CAN
ALSO
sp
GET
sp
PAID
EARLY
sp
DIRECT
sp
BY
sp
THE
D
S
S
sp
D
S
S
sp
WILL
ACTUALLY
sp
PAY
sp
THEM
RATHER
sp
THAN
TELLING
sp
US
TO
PAY
sp
THEM
BUT
IS
sp
IT
sp
UP
sp
TO
sp
THEM
TO
ACTUALLY
GO
TO
D
S
S
AND
sp
SAY
I
WANT
A
PAYMENT
sp
NOW
sp
THAT'S
sp
RIGHT
SO
IF
YOU
GET
SOMEONE
IN
THAT
SITUATION
sp
WHO'S
SAYING
sp
I'M
DESPERATE
sp
FOR
MONEY
I'M
sp
CLAIMING
sp
INCOME
sp
SUPPORT
sp
I'VE
sp
HEARD
NOTHING
sp
AND
YOU
HAVEN'T
sp
BEEN
TOLD
HOW
MUCH
THEY'RE
ENTITLED
sp
TO
sp
THEN
THEY
CAN
ACTUALLY
GO
TO
THE
D
S
sp
S
sp
OFFICE
AND
SAY
THAT
sp
THEY
sp
NEED
sp
SOME
sp
MONEY
URGENTLY
sp
AND
D
S
S
sp
MAY
MAKE
sp
A
sp
PAYMENT
BUT
sp
MAY
sp
BUT
NOT
NEC
MAY
MAY
NOT
sp
YEAH
IT
sp
DEPENDS
sp
ON
THE
CIRCUMSTANCES
sp
AND
YOU'RE
NOT
sp
YOU'RE
NOT
IN
A
sp
POSITION
TO
sp
SAY
sp
WHAT
D
S
S
WILL
OR
sp
WON'T
sp
DO
SO
sp
YOU
sp
CAN
ONLY
SAY
sp
THEY
MAY
MAKE
A
sp
PAYMENT
sp
{OOV}
UNDER
ER
I
THINK
THEY
WOULD
DO
UNDER
MOST
sp
CIRCUMSTANCES
sp
IT
sp
WOULD
sp
ONLY
sp
BE
sp
IF
THEY
SUSPECTED
sp
THAT
sp
SOMETHING
sp
ODD
WAS
sp
GOING
sp
ON
sp
OKAY
AND
HOW
sp
DO
D
S
S
sp
TELL
US
sp
HOW
MUCH
sp
TO
sp
PAY
sp
INCOME
SUPPORT
sp
{OOV}
sp
B
sp
TWO
sp
YEP
sp
{OOV}
B
TWO
sp
RIGHT
sp
BEFORE
I
ASK
YOU
TO
COMPLETE
sp
B
ONE
sp
THERE'S
sp
ONE
MORE
sp
THING
WE
NEED
sp
TO
sp
TALK
ABOUT
AND
THAT
IS
sp
ABOUT
WHAT
HAPPENS
WHEN
SOMEONE
LEAVES
A
JOB
OF
THEIR
OWN
ACCORD
sp
SO
sp
WHAT
sp
HAPPENS
sp
WHEN
SOMEONE
sp
LEAVES
A
sp
JOB
OF
THEIR
sp
OWN
ACCORD
WHAT
HAPPENS
TO
THEIR
UNEMPLOYMENT
BENEFIT
sp
SUSPENDED
sp
SUSPENDED
PENDING
sp
ENQUIRIES
sp
YEAH
sp
BUT
NOT
IT'S
sp
SUSPENDED
sp
IT'S
sp
SUSPENDED
sp
BUT
sp
IT'S
sp
NOT
DISALLOWED
sp
THAT'S
RIGHT
SO
WHAT
WHAT'S
THE
DIFFERENCE
sp
WELL
IT'S
SUSPENDED
sp
PENDING
sp
ENQUIRIES
SO
sp
IT'S
IN
sp
SUSPENSION
sp
THEY
WE'RE
LOOKING
INTO
sp
THE
REASONS
sp
AND
IF
sp
ERM
sp
THEY
DON'T
LIKE
THE
OUTCOME
OF
OUR
sp
DELIBERATIONS
sp
THEY
HAVE
sp
A
RIGHT
sp
OF
APPEAL
sp
RIGHT
sp
BUT
sp
WHEN
sp
WHEN
THE
ADJUDICATION
sp
OFFICER
HAS
sp
MADE
A
sp
DECISION
sp
HE
sp
WILL
THEN
sp
ALLOW
OR
sp
DISALLOW
sp
SO
THAT
sp
THAT'S
sp
THE
sp
SO
sp
AT
FIRST
THE
sp
CLAIM
IS
SUSPENDED
sp
AND
THEN
WHEN
YOU
sp
HAVE
A
sp
DECISION
FROM
THE
sp
ADJUDICATION
sp
OFFICER
IT
IS
sp
THEN
ALLOWED
OR
DISALLOWED
AND
sp
THEN
THEY
CAN
APPEAL
sp
AND
sp
THEN
THEY
CAN
APPEAL
IF
sp
THEY
WISH
sp
YEAH
sp
IT
USED
TO
sp
BE
SIX
sp
MONTHS
DIDN'T
sp
IT
sp
AND
sp
NOW
IT'S
GONE
UP
sp
TO
THAT'S
sp
RIGHT
YES
sp
BIG
JUMP
sp
ISN'T
sp
IT
sp
WELL
sp
IT
WENT
UP
IN
STAGES
OH
DID
IT
IT
sp
WENT
TO
THIRTEEN
WEEKS
AND
sp
THEN
IT
WENT
sp
TO
sp
TWENTY
sp
SIX
sp
WEEKS
DID
sp
IT
sp
YEAH
AS
sp
A
sp
DETERRENT
sp
WHICH
sp
IT
NEVER
sp
HAS
sp
HAD
sp
ANY
sp
EFFECT
ON
sp
AT
ALL
sp
THAT
sp
WAS
sp
THE
REASON
sp
BEHIND
IT
IT
sp
WAS
sp
A
A
sp
DETERRENT
sp
TO
sp
PEOPLE
GIVING
sp
UP
sp
THEIR
JOBS
BUT
NOBODY
KNEW
ABOUT
IT
sp
PEOPLE
sp
DON'T
sp
KNOW
ABOUT
sp
IT
NOW
sp
SO
sp
IF
THEY
IMMEDIATELY
sp
FALL
sp
BACK
sp
ON
sp
IS
I
sp
MEAN
sp
IT
sp
YEAH
sp
THAT'S
sp
JUST
WHAT
I
WAS
GOING
TO
SAY
sp
WHAT
HAPPENS
sp
THEN
TO
INCOME
sp
SUPPORT
sp
PAID
sp
AT
A
sp
REDUCED
sp
RATE
sp
IT'S
sp
PAID
sp
AT
sp
A
REDUCED
RATE
sp
FOR
sp
THE
sp
PERIOD
sp
OF
sp
THE
sp
SUSPENSION
I
sp
THOUGHT
IF
IT'S
DISQUALIFYING
IF
sp
YOU
sp
WERE
DISQUALIFIED
THEN
INCOME
SUPPORT
sp
PAYS
NORMAL
{OOV}
NO
sp
SORRY
IT'S
IT'S
IF
IT'S
ALLOWED
THEY
WOULD
sp
HAVE
A
sp
REASON
sp
INCOME
sp
SUPPORT
sp
TO
PAY
IF
sp
IT'S
DISALLOWED
sp
THEN
sp
ERM
sp
THEY
sp
WOULD
HAVE
THEIR
sp
ENTITLEMENT
sp
IN
sp
THAT
sp
THEY
sp
WOULD
BE
PAID
A
sp
REDUCED
RATE
sp
DURING
sp
THE
sp
PERIOD
sp
OF
sp
THE
sp
{OOV}
ER
sp
OF
THE
DISALLOWANCE
AND
WOULD
THEY
STILL
GET
THE
INCOME
sp
SUPPORT
AFTER
sp
THAT
sp
BUT
sp
STILL
sp
AT
sp
A
sp
REDUCED
RATE
OR
sp
NOT
sp
RIGHT
sp
ONCE
sp
WE'RE
OUT
OF
sp
THE
TWENTY
SIX
sp
WEEK
sp
PERIOD
sp
IT
sp
WOULD
GO
sp
BACK
TO
ITS
sp
NORMAL
sp
RATE
sp
I
THINK
WE'RE
TALKING
sp
ABOUT
sp
ONCE
sp
THE
sp
SUSPENSION
WAS
OVER
sp
YEAH
AND
sp
THE
sp
ADJ
sp
THE
A
O
sp
HAS
MADE
THE
DECISION
{OOV}
DISALLOWED
MHM
THEY'D
sp
CARRY
sp
ON
GETTING
sp
THE
REDUCED
sp
RATE
sp
PRIOR
TO
THE
PERIOD
sp
OF
DISALLOWANCE
sp
THAT'S
RIGHT
sp
YES
THEY'D
STILL
GET
sp
PAID
sp
THEN
YES
sp
BUT
AT
A
REDUCED
sp
{OOV}
{CG}
REDUCED
RATE
sp
WHAT
IS
sp
THE
REDUCED
sp
RATE
sp
I'M
sp
SORRY
I'LL
sp
GO
ON
TO
TALK
sp
ABOUT
THAT
sp
{OOV}
IS
sp
THERE
A
sp
HANDOUT
sp
ON
sp
THIS
BECAUSE
RIGHT
I'VE
GOT
A
HANDOUT
sp
ON
sp
THE
REDUCED
sp
RATE
sp
YES
sp
AND
sp
I'M
GON
sp
NA
BE
GIVING
sp
YOU
sp
A
sp
HANDOUT
sp
WHICH
sp
GIVES
YOU
sp
INFORMATION
sp
ABOUT
sp
HOW
TO
sp
CALCULATE
sp
IT
sp
I
NEVER
sp
TELL
sp
PEOPLE
sp
GETTING
sp
A
REDUCED
RATE
{OOV}
WELL
NO
BECAUSE
THEY
sp
JUST
GO
BANANAS
sp
IF
sp
YOU
DO
sp
YOU'VE
sp
GOT
TO
BE
CAREFUL
sp
WHAT
WHAT
sp
DO
sp
WE
sp
CALL
THAT
sp
REDUCTION
sp
DEDUCTION
sp
U
D
RIGHT
sp
{OOV}
sp
YEP
{OOV}
I
DON'T
sp
KNOW
sp
IF
sp
YOU'VE
sp
HEARD
sp
THAT
sp
TERM
sp
AT
sp
ALL
sp
AROUND
sp
WHAT
DOES
IT
STAND
sp
FOR
sp
THE
{OOV}
sp
DEDUCTION
sp
YEP
sp
{OOV}
OH
sp
LET'S
sp
TRY
sp
THAT
AGAIN
{LG}
sp
UNEMPLOYED
sp
DEDUCTION
sp
OKAY
sp
DETAILS
sp
OF
sp
ANY
sp
REDUCTIONS
THAT
HAVE
sp
BEEN
MADE
ARE
sp
HELD
IN
sp
ENQUIRY
sp
SCREEN
sp
FOUR
sp
THE
REDUCTION
sp
IS
sp
MADE
sp
ON
THE
sp
PERSONAL
sp
RATE
sp
AVAILABLE
sp
SO
sp
IN
THIS
INSTANCE
sp
IT
WOULD
sp
BE
MADE
ON
sp
HALF
sp
IF
sp
IF
sp
THE
HUSBAND
HAD
LEFT
sp
HIS
sp
JOB
OF
sp
HIS
sp
OWN
sp
ACCORD
sp
IT
sp
WOULD
BE
MADE
ON
sp
HALF
OF
sp
THAT
sp
AMOUNT
sp
SURELY
sp
THAT'S
sp
FOR
HIS
WIFE
sp
AS
sp
WELL
sp
SO
SHE
{OOV}
NO
NO
NO
NO
sp
NO
THAT'S
WHY
IT
WOULD
ONLY
BE
sp
IT
sp
WOULD
BE
MADE
sp
YOUR
DEDUCTION
WOULD
BE
sp
MADE
sp
ON
sp
HALF
OF
sp
THAT
sp
AMOUNT
sp
OH
I
SEE
NO
NO
sp
THE
sp
DEDUCTION
IS
BASED
ON
THE
sp
DEDUCTION
sp
ISN'T
sp
HALF
THAT
sp
AMOUNT
NO
sp
IT'S
sp
MADE
sp
ON
HALF
sp
THAT
AMOUNT
IT'S
YEAH
sp
AND
IT
sp
IS
sp
FORTY
sp
PERCENT
OF
THAT
sp
MADE
sp
ON
THE
sp
{OOV}
sp
SO
sp
SO
sp
CAN
YOU
GIVE
US
{OOV}
ON
THAT
sp
YES
YOU'VE
sp
GOT
I'M
JUST
TRYING
TO
{OOV}
THE
MAN'S
sp
WOULD
sp
BE
sp
SIXTEEN
ERM
sp
THIRTY
sp
ONE
sp
THIRTY
ONE
POUNDS
WHATEVER
ON
THE
TWELVE
{OOV}
THIRTY
P
YEAH
sp
SO
IT
IT'S
FORTY
sp
PERCENT
OF
sp
THIRTY
TWO
POUNDS
YES
sp
YEP
sp
THAT'S
sp
RIGHT
sp
REDUCTION
sp
THEN
ON
THE
sp
PERSONAL
sp
SORRY
sp
CAN
YOU
REPEAT
WHAT
YOU
sp
SAID
ABOUT
sp
THE
REDUCTION
sp
IS
MADE
sp
MADE
ON
sp
THE
PERSONAL
sp
YES
sp
IT'S
sp
MADE
ON
sp
THE
AMOUNT
THAT
sp
THAT
PERSON
sp
THAT
sp
INDIVIDUAL
sp
IS
sp
RECEIVING
sp
IN
sp
INCOME
sp
SUPPORT
IT'S
NOT
ON
THE
WHOLE
sp
FAMILY
sp
{OOV}
FAMILY
SHOULD
sp
BE
sp
PENALIZED
sp
YEAH
sp
JUST
sp
THE
sp
THE
INDIVIDUAL
sp
AND
THAT
sp
ONE
sp
PORTION
sp
OF
THE
sp
INCOME
SUPPORT
sp
IS
sp
REDUCED
sp
BY
sp
FORTY
PERCENT
SO
sp
WHAT'S
sp
FORTY
sp
PERCENT
sp
OF
THIRTY
ONE
sp
POUND
sp
TWENTY
FIVE
ERM
sp
ERM
{OOV}
YEAH
IT'S
ABOUT
TWELVE
POUNDS
A
WEEK
WHAT
sp
HAPPENS
sp
IF
sp
YOU
sp
IF
sp
YOU'RE
NOT
ON
sp
THAT
sp
RATE
sp
{OOV}
WHAT
IF
YOU'RE
A
SINGLE
sp
PERSON
sp
ONLY
sp
GETTING
sp
THIRTY
sp
NINE
sp
SOMETHING
THEN
YOU
{OOV}
DOESN'T
NEED
MUCH
DOES
HE
sp
BUT
DO
YOU
GET
sp
THE
REDUCED
RATE
sp
IS
sp
IT
sp
REDUCED
sp
FORTY
sp
PERCENT
sp
FOR
ALL
sp
SORT
OF
CATEGORIES
sp
WHETHER
YOU'RE
sp
MARRIED
SINGLE
YES
YES
I
THOUGHT
THERE
WERE
sp
EXCEPTIONS
sp
IF
sp
THE
sp
PERSON
sp
WAS
PREGNANT
OR
sp
SOMETHING
sp
IF
sp
THERE'S
A
sp
PREGNANT
sp
PERSON
IN
sp
THE
sp
HOUSE
sp
YES
sp
THERE
sp
ARE
EXCEPTIONS
sp
SO
THAT
sp
THE
sp
MAJORITY
OF
PEOPLE
WILL
BE
SUBJECT
TO
A
sp
FORTY
PERCENT
sp
DEDUCTION
sp
ON
THEIR
sp
PERSONAL
sp
BENEFIT
sp
AND
sp
THEIR
sp
PERSONAL
RATE
OKAY
THAT'S
IRRESPECTIVE
WHETHER
sp
THEY'RE
sp
MARRIED
sp
OR
sp
SINGLE
sp
THAT'S
sp
RIGHT
ERM
sp
THE
DEDUCTION
WILL
ONLY
MADE
sp
BE
MADE
sp
IF
sp
A
sp
SUSPENSION
IS
sp
HELD
ON
OUR
sp
COMPUTER
sp
SO
sp
IF
SOMEBODY
sp
FORGETS
sp
TO
sp
PUT
THE
sp
SUSPENSION
ON
IT'S
sp
NOT
sp
ACTUALLY
COS
IT
sp
CAUSES
REAL
sp
PROBLEMS
sp
{OOV}
IN
OTHER
WORDS
IT
sp
CAN
sp
TAKE
sp
{OOV}
DOING
sp
THAT
sp
PERSON
sp
NO
sp
GOOD
SERVICE
sp
LIKE
sp
IF
sp
THERE'S
sp
ANY
sp
DOUBT
sp
{OOV}
SUSPENDING
sp
IT
sp
IMMEDIATELY
THEY
CAN
ALWAYS
sp
GET
sp
THE
sp
ARREARS
AND
sp
THEY
GET
sp
VERY
sp
UPTIGHT
IF
sp
THEY
sp
GET
ERM
sp
TOO
MUCH
AND
THEN
IT'S
sp
REDUCED
RATHER
THAN
THE
OTHER
WAY
ROUND
MM
CAN
I
sp
{OOV}
ASK
{OOV}
sp
YEAH
{OOV}
QUERIES
sp
AT
sp
THE
END
sp
NO
NO
THAT'S
sp
FINE
I'M
sp
STILL
A
sp
BIT
CONFUSED
ABOUT
sp
ERM
SORRY
sp
I
sp
SHOULD
HAVE
sp
BROUGHT
THIS
UP
AT
THE
TIME
sp
IT'S
ALRIGHT
sp
CLAIMS
sp
SUSPENDED
sp
FOR
TWENTY
sp
SIX
sp
WEEKS
sp
BY
OUR
GOOD
SELVES
sp
YES
THEREFORE
sp
IF
sp
THEY
APPLY
FOR
sp
INCOME
SUPPORT
MHM
sp
THAT
IS
sp
ALSO
REDUCED
sp
BY
sp
FORTY
sp
PERCENT
sp
YEAH
RIGHT
sp
WHAT
IF
THEY'RE
sp
UNEMPLOYMENT
BENEFIT
sp
WAS
sp
DISQUALIFIED
sp
THE
ADJUDICATION
sp
OFFICER
sp
WE
SUSPEND
IT
THE
sp
ADJUDICATION
OFFICER
SAYS
RIGHT
sp
THEY'RE
sp
NOT
sp
SUPPOSED
TO
sp
HAVE
sp
IT
sp
WHAT
HAPPENS
sp
TO
THEIR
sp
INCOME
sp
SUPPORT
sp
DO
THEY
sp
STILL
CONTINUE
TO
sp
RECEIVE
IT
sp
AT
sp
A
REDUCED
sp
RATE
sp
THAT'S
sp
RIGHT
FOR
sp
THE
sp
PERIOD
sp
OF
THE
sp
DISALLOWANCE
sp
AND
sp
IT
sp
WOULD
THEN
sp
REVERT
sp
BACK
sp
TO
sp
FULL
RATE
AND
THE
DISALLOWANCE
sp
CAN
sp
BE
sp
UP
sp
TO
TWENTY
sp
SIX
sp
WEEKS
sp
YEAH
sp
{OOV}
THANK
YOU
OKAY
sp
RIGHT
ERM
sp
THE
sp
SOME
sp
PEOPLE
sp
CAN
ACTUALLY
HAVE
A
REDUCTION
MADE
sp
OF
sp
TWENTY
PERCENT
sp
INSTEAD
sp
IF
sp
IN
THIS
FAMILY
THE
sp
WIFE
sp
WAS
EXPECTING
A
sp
BABY
sp
THEN
sp
THEN
IT
WOULD
BE
A
TWENTY
sp
PERCENT
sp
DEDUCTION
sp
ALSO
sp
IF
sp
ONE
OR
OTHER
OF
THE
sp
PARTNERS
sp
WELL
IT
WOULD
HAVE
sp
TO
BE
sp
THE
PARTNER
sp
THAT
sp
WASN'T
SIGNING
sp
WAS
SERIOUSLY
ILL
THEN
THE
{OOV}
DEDUCTION
WOULD
sp
BE
TWENTY
sp
PERCENT
sp
PROVIDING
sp
{LG}
sp
THERE'S
sp
A
sp
CONDITION
ATTACHED
sp
THAT
THEY
HAVE
SAVINGS
OF
LESS
THAN
TWO
HUNDRED
POUNDS
WHAT
IF
THE
CLAIMANT
SHOULD
BECOME
SERIOUSLY
sp
ILL
{OOV}
sp
SICK
sp
SICK
sp
{OOV}
sp
DO
sp
THEY
GET
A
REDUCED
RATE
ON
sp
THE
sp
SICKNESS
BENEFIT
sp
NO
NO
sp
THEY
sp
GET
sp
MORE
ON
sp
SICKNESS
sp
BENEFIT
THAN
THEY
DO
ON
sp
AND
ANOTHER
sp
THING
sp
{OOV}
IF
YOU'RE
LIVING
WITH
sp
SOMEBODY
AND
sp
AND
YOU'RE
sp
BOTH
sp
UNEMPLOYED
IF
THE
sp
PERSON
sp
THAT'S
sp
GOT
sp
THE
sp
SACK
sp
DOESN'T
sp
MAKE
sp
THE
sp
CLAIM
BUT
sp
THE
OTHER
PERSON
sp
CLAIMS
sp
THEN
IT
DOESN'T
AFFECT
sp
THEM
sp
EITHER
sp
IF
sp
YOU
SEE
sp
WHAT
I
MEAN
OH
I
sp
SEE
sp
SO
sp
ER
YOU'RE
sp
ASSUMING
THEN
THAT
sp
THE
sp
PERSON
THAT
sp
WAS
sp
CLAIMING
ISN'T
WORKING
WASN'T
WASN'T
sp
ISN'T
WORKING
sp
BUT
HASN'T
HAD
THE
sp
SACK
sp
PERHAPS
THEY'VE
BEEN
sp
MADE
REDUNDANT
sp
PERHAPS
sp
THEIR
sp
PARTNER'S
sp
HAD
sp
THE
SACK
sp
IF
sp
THE
{OOV}
PERSON
sp
THAT
HAS
sp
HAD
sp
BEEN
MADE
REDUNDANT
TO
MAKE
THE
sp
CLAIM
sp
CAN
sp
CLAIM
FOR
sp
THE
OTHER
PERSON
AND
sp
THERE'S
NO
RED
sp
{OOV}
DEPENDENT
YEAH
sp
YEAH
SO
THERE'S
NO
REDUCTION
ON
THAT
sp
{OOV}
SUSPENSION
sp
{OOV}
sp
FOR
sp
THREE
sp
HUNDRED
sp
AND
sp
TWELVE
DAYS
{OOV}
sp
VERY
sp
OFTEN
sp
FIND
KNOWING
THAT
sp
THEY'VE
LEFT
sp
VOLUNTARILY
sp
TO
sp
HAVE
sp
BABIES
sp
AND
sp
HAVE
sp
DECIDED
NOT
sp
TO
GO
sp
BACK
TO
sp
THE
sp
JOB
sp
ALTHOUGH
sp
THE
sp
JOB'S
sp
BEEN
sp
KEPT
OPEN
sp
FOR
sp
THEM
sp
THEY'RE
sp
DISALLOWED
FOR
sp
SIX
sp
MONTHS
AND
sp
THEN
sp
COMING
AND
sp
{OOV}
RIGHT
I
sp
HOPE
sp
THIS
DOESN'T
sp
CAUSE
YOU
A
sp
PROBLEM
sp
BUT
sp
THE
sp
RATES
sp
OF
sp
BENEFIT
sp
HAVE
CHANGED
sp
VERY
SLIGHTLY
SINCE
sp
THE
FIRST
OF
OCTOBER
sp
NINETY
sp
ONE
sp
AND
THE
sp
HANDOUT
I'VE
sp
GOT
sp
HERE
sp
WHICH
I
sp
COULDN'T
sp
TIE
IN
sp
JUST
sp
NOW
WHEN
I
WAS
TRYING
TO
DO
THE
sp
DEDUCTION
sp
IS
BECAUSE
THE
RATES
ARE
VERY
SLIGHTLY
sp
DIFFERENT
sp
IT'S
ABOUT
sp
THIRTY
sp
PENCE
sp
OR
SO
sp
MORE
sp
THAN
sp
ACTUALLY
sp
WHAT
WE
WERE
sp
TALKING
sp
ABOUT
sp
SO
sp
I'M
sp
SORRY
sp
ABOUT
sp
THAT
sp
I'LL
sp
GET
sp
THE
sp
OTHER
ONE
UPDATED
ERM
sp
BUT
sp
WHAT
sp
YOU'VE
GOT
sp
NOW
IF
sp
YOU
CAN
I
sp
PASS
sp
THOSE
ROUND
sp
AND
I'LL
EXPLAIN
WHAT
THAT
SAYS
IS
THIS
ONE
THE
SAME
AS
WE'VE
GOT
sp
IN
sp
THAT
ERM
WAD
AGAIN
sp
OH
YOU
HAD
ONE
IN
sp
THE
sp
WAD
sp
DID
YOU
sp
YES
sp
I
sp
HAD
sp
ONE
YEAH
sp
{OOV}
ELSE
DID
BUT
I
IN
THE
ONE
sp
THAT
sp
WE
sp
SHOULDN'T
HAVE
sp
HAD
sp
WHICH
WE
DID
HAVE
{LG}
sp
{LG}
sp
OH
sp
IT'S
sp
BEEN
A
sp
GOOD
WEEK
sp
RIGHT
IF
YOU'D
sp
HAVE
A
LOOK
AT
THAT
THE
sp
APPENDIX
sp
AGE
sp
TWENTY
THE
{OOV}
CATEGORY
sp
WHICH
YOU
sp
CAN
sp
SEE
THERE
NOUGHT
sp
TO
sp
FOUR
sp
THAT
sp
TELLS
YOU
THE
AMOUNT
sp
OF
INCOME
SUPPORT
sp
WHICH
sp
THE
{OOV}
ER
sp
FOR
sp
WHICH
sp
THE
DEDUCTION
sp
IS
sp
APPROPRIATE
sp
HANG
sp
ON
A
sp
MINUTE
ARE
sp
WE
sp
LOOKING
AT
sp
{OOV}
NO
WE'RE
LOOKING
AT
sp
PAGE
sp
TWO
YEAH
RIGHT
sp
I'VE
sp
GOT
sp
APRIL
sp
NINETY
sp
ONE
HERE
sp
RIGHT
SOME
ARE
APRIL
SOME
OF
OCTOBER
AND
sp
THEY'RE
sp
ALL
sp
MIXED
sp
UP
sp
I'M
APRIL
WONDERFUL
sp
I'M
sp
OCTOBER
OKAY
sp
OCTOBER
YOU
sp
WANT
sp
YOU
WANT
sp
ANYONE
sp
ELSE
NEED
{OOV}
OCTOBER
{OOV}
sp
YES
sp
PLEASE
{OOV}
sp
AND
IF
YOU
PLEASE
sp
DESTROY
THE
OTHER
ONE
sp
YEAH
sp
THAT'S
sp
THE
LATEST
sp
ONE
RIGHT
OKAY
sp
HAVE
A
sp
LOOK
AT
THAT
THE
sp
B
U
CATEGORY
NOUGHT
TO
FOUR
THAT
sp
SHOWS
sp
THE
sp
AMOUNT
OF
WEEKLY
RATE
sp
TO
WHICH
sp
THE
{OOV}
CAN
BE
APPLIED
sp
SO
THAT
SHOWS
sp
HOW
MUCH
sp
WE'RE
sp
GON
NA
APPLY
OUR
DEDUCTION
sp
TO
sp
OKAY
AND
sp
WE
CAN
sp
SEE
THE
RATES
sp
FOR
sp
WHICH
sp
THE
sp
DEDUCTION
sp
IS
sp
GOING
sp
TO
sp
BE
sp
APPLIED
sp
THE
OTHER
SIDE
sp
SO
ERM
sp
A
sp
SINGLE
UNDER
EIGHTEEN
sp
OR
sp
COUPLE
BOTH
sp
UNDER
sp
EIGHTEEN
sp
TWENTY
sp
THREE
sp
POUND
sp
NINETY
THAT
RE
sp
THAT
sp
SHOULD
RELATE
TO
sp
THE
ALLOWANCES
sp
YOU
sp
HAD
sp
BEFORE
AND
sp
THAT'S
sp
SO
sp
THAT'S
sp
TWELVE
FIFTY
FIVE
IF
sp
IT'S
SO
sp
IF
A
sp
FORTY
PERCENT
sp
DEDUCTION
sp
IS
sp
MADE
sp
ON
sp
CATEGORY
sp
TWO
sp
THEN
sp
SOMEBODY
RECEIVING
sp
THIRTY
ONE
sp
POUNDS
sp
FORTY
sp
A
WEEK
sp
WOULD
ACTUALLY
sp
IT
WOULD
ACTUALLY
BE
REDUCED
sp
BY
sp
TWELVE
sp
POUNDS
sp
FIFTY
sp
FIVE
sp
DO
YOU
SEE
HOW
THAT
WORKS
sp
MM
NO
sp
SORRY
sp
I'VE
LOSE
WHERE
sp
THAT
sp
TWELVE
FIFTY
sp
FIVE
sp
COMES
sp
FROM
sp
RIGHT
IF
YOU
LOOK
AT
sp
CATEGORY
TWO
sp
WHAT
sp
HERE
YEAH
sp
YEAH
RIGHT
sp
THEY'RE
IN
RECEIPT
OF
sp
THIRTY
ONE
POUNDS
sp
FORTY
YEAH
SO
IF
YOU
sp
LOOK
AT
sp
CATEGORY
sp
TWO
sp
DOWN
sp
BELOW
sp
FORTY
PERCENT
DEDUCTION
APPLIED
sp
FOR
A
FULL
WEEK
sp
TWELVE
sp
POUND
sp
FIFTY
sp
FIVE
OH
sp
RIGHT
sp
TWELVE
FIFTY
sp
FIVE
YEAH
MHM
sp
YEAH
sp
OKAY
sp
OKAY
sp
SO
THE
sp
B
U
sp
CATEGORY
sp
SHOWS
sp
THE
AMOUNT
OF
sp
INCOME
sp
SUPPORT
sp
THAT
sp
ER
sp
IS
sp
BEING
sp
THAT
THE
DEDUCTION
IS
sp
BEING
sp
BASED
sp
ON
sp
AND
THEN
THE
sp
B
U
INDICATOR
sp
INDICATES
sp
WHETHER
IT'S
sp
RATE
sp
ONE
OR
sp
RATE
sp
TWO
sp
AND
sp
INDICATES
sp
WHETHER
IT'S
sp
A
sp
TWENTY
PERCENT
sp
OR
sp
FORTY
sp
PERCENT
sp
DEDUCTION
sp
NOW
RIGHT
AT
sp
THE
sp
BEGINNING
OF
A
sp
CLAIM
sp
YOU
CAN
HAVE
AN
ODD
sp
NUMBER
OF
sp
DAYS
sp
BEFORE
sp
THE
sp
FIRST
sp
BENEFIT
sp
WEEK
ENDING
sp
DAY
sp
THERE
WILL
ALSO
BE
AN
INDICATOR
sp
ON
sp
THE
sp
B
sp
TWO
TO
sp
SAY
sp
HOW
sp
THOSE
sp
DAYS
sp
SHOULD
sp
BE
TREATED
sp
THERE
sp
WILL
BE
A
NUMBER
WHICH
WILL
sp
BE
THE
sp
NUMBER
sp
SHOULD
BE
sp
THE
NUMBER
OF
sp
DAYS
BEFORE
THE
sp
BENEFIT
sp
WEEK
sp
ENDING
sp
DAY
IN
sp
THE
sp
FIRST
WEEK
sp
OF
sp
THE
sp
CLAIM
sp
RIGHT
sp
ANY
sp
QUESTIONS
sp
ON
sp
THAT
sp
WELL
ONLY
sp
ONE
AND
sp
THAT
sp
IS
MHM
sp
YOU'VE
sp
GIVEN
sp
US
THIS
sp
INFORMATION
sp
RIGHT
sp
BUT
sp
{OOV}
DON'T
sp
TELL
sp
THEM
sp
WHAT
sp
THEY'RE
LIKELY
sp
TO
RECEIVE
YES
SO
THE
INFORMATION
sp
THAT
IS
sp
GIVEN
US
sp
IS
sp
FOR
OUR
sp
INFORMATION
sp
ONLY
OR
RIGHT
sp
YOU
sp
CAN
GO
sp
SO
FAR
AS
sp
TO
SAY
sp
THAT
sp
I
sp
MEAN
sp
YOU
WILL
BE
sp
SAFE
sp
IN
SAYING
THAT
IF
YOUR
THAT
AS
YOUR
BENEFIT
sp
IS
SUSPENDED
sp
YOUR
sp
INCOME
SUPPORT
sp
FOR
YOU
sp
NOT
sp
FOR
YOUR
sp
FAMILY
sp
BUT
sp
FOR
sp
YOU
WILL
sp
BE
REDUCED
sp
IT
sp
WILL
PROBABLY
BE
sp
REDUCED
sp
BY
sp
FORTY
sp
PERCENT
sp
YEAH
sp
YEAH
sp
BUT
sp
IF
sp
YOU
sp
IF
YOU
LOOK
AT
A
sp
B
TWO
sp
IT
sp
MAKES
sp
SENSE
sp
I
MEAN
sp
I'VE
sp
LOOKED
sp
AT
sp
B
TWO'S
sp
AND
sp
I
HAVEN'T
sp
REALLY
UNDERSTOOD
sp
WHAT
sp
THE
sp
ONE'S
TWO'S
sp
AND
sp
THREE'S
ARE
sp
FOR
sp
BUT
NOW
IT
sp
MAKES
sp
SENSE
sp
TO
ME
sp
SO
sp
PEOPLE
sp
WHO
sp
ARE
sp
{OOV}
sp
B
sp
TWO
sp
{OOV}
sp
MAKES
MORE
sp
SENSE
TO
THEM
TO
KNOW
WHAT
{OOV}
YEAH
WE'LL
sp
BE
sp
HAVING
sp
A
LOOK
sp
AT
sp
SOME
sp
B
sp
TWO'S
AND
WE'LL
PICK
UP
sp
THIS
BIT
sp
ABOUT
sp
{OOV}
AND
ER
sp
THE
sp
CODING
sp
WHEN
sp
YOU
sp
HAVE
sp
A
LOOK
AT
THAT
sp
IT'S
sp
KNOWING
sp
HOW
sp
MUCH
sp
INFORMATION
sp
YOU
sp
CAN
sp
SUPPLY
AND
sp
HOW
MUCH
sp
YOU
sp
KEEP
sp
OUT
sp
ISN'T
sp
IT
sp
YES
YES
sp
THAT'S
sp
RIGHT
sp
YOU
KNOW
sp
COS
sp
WHAT
WE
GIVE
TO
THE
sp
CLIENT
sp
{OOV}
OKAY
sp
RIGHT
SO
I'VE
sp
NOW
GOT
sp
A
sp
HANDOUT
FOR
YOU
AND
sp
IT'LL
sp
BE
UP
sp
TO
DATE
ABOUT
sp
HOW
sp
TO
COMPLETE
A
sp
B
sp
ONE
sp
YEAH
ANYBODY
sp
ELSE
sp
WANT
sp
TO
sp
STRETCH
sp
THEIR
LEGS
sp
A
SECOND
sp
NO
sp
OKAY
sp
{OOV}
sp
HANDOUTS
sp
SOME
sp
OF
sp
THEM
sp
ARE
sp
QUITE
sp
HARD
TO
READ
sp
{OOV}
sp
YES
THIS
THIS
sp
ONE
sp
THIS
NEW
sp
ONE
sp
{OOV}
OUGHT
TO
sp
GET
sp
IT
sp
RETYPED
sp
IT'S
sp
QUITE
AN
sp
IMPORTANT
sp
ONE
sp
REALLY
sp
MM
sp
YEAH
I'M
sp
USING
IT
sp
ALL
THE
sp
TIME
sp
I'VE
sp
GOT
sp
BETTER
sp
COPIES
OF
sp
THE
sp
BLANK
sp
B
sp
ONE
sp
BUT
THE
sp
HANDOUT
sp
IS
sp
GETTING
sp
RATHER
sp
RIGHT
sp
SO
IF
WE'RE
LOOKING
sp
AT
sp
WE'LL
COMPLETE
sp
THE
B
sp
ONE
sp
NOTE
sp
THE
REVERSE
OF
THE
sp
U
B
A
sp
T
sp
B
sp
THAT
sp
WE'RE
sp
ISSUING
sp
AND
sp
PASS
sp
IT
TO
sp
THE
sp
CLIENT
sp
WITH
AN
ENVELOPE
TO
sp
SEND
sp
TO
THE
RIGHT
sp
D
S
sp
S
sp
OFFICE
SORRY
WHICH
IS
sp
THE
A
sp
T
B
sp
I
CAN'T
REMEMBER
IS
sp
IT
sp
THAT'S
THAT'S
sp
THE
sp
ONE
ER
sp
THE
sp
SHOPPING
LIST
OH
sp
THE
sp
SHOPPING
sp
LIST
YEAH
sp
I
HATE
TO
sp
TELL
YOU
THE
sp
D
S
S
sp
ARE
sp
ON
sp
AN
ECONOMY
CAMPAIGN
sp
AND
THEY
sp
NO
LONGER
ISSUE
sp
ENVELOPES
sp
THEY
NO
LONGER
ISSUE
ENVELOPES
AT
sp
LEAST
THEY
DON'T
sp
IN
sp
BATH
sp
AND
sp
YOU
HAVE
TO
sp
WRITE
sp
THE
sp
ADDRESS
sp
ON
sp
THE
sp
FRONT
OH
THEY
sp
DON'T
{OOV}
THEY
DON'T
sp
DO
HERE
EITHER
sp
AND
THEN
IF
IT'S
sp
IN
ANOTHER
sp
AREA
sp
WHICH
INVARIABLY
IS
sp
IF
sp
YOU'VE
sp
GOT
TO
sp
GIVE
sp
THEM
sp
{OOV}
SOMEWHERE
LIKE
sp
TROWBRIDGE
sp
OR
sp
SOMETIMES
ERM
{OOV}
IN
sp
BATH
sp
OR
CHIPPENHAM
sp
YOU
THEN
HAVE
sp
TO
sp
RING
UP
sp
D
S
sp
S
sp
TO
sp
FIND
sp
THE
sp
ADDRESS
sp
WELL
sp
HOPEFULLY
ALL
sp
THIS
sp
WILL
sp
GIVE
sp
YOU
sp
THE
ADDRESS
sp
ALTHOUGH
sp
IT
sp
DEPENDS
sp
HOW
FAR
AWAY
sp
IT
sp
IS
sp
{OOV}
CONTACT
D
S
sp
S
sp
TO
GET
sp
THE
sp
ADDRESS
ACTUALLY
IT'S
sp
STUPID
sp
THAT
BUSINESS
sp
ABOUT
sp
THE
sp
ENVELOPES
MM
sp