IN TIME OF NEED: BUILDING EMPLOYMENT INSURANCE FOR ALL

The UK’s system of income replacement – financial protection when people leave a job or stop working temporarily – is an inadequate patchwork. Jobseeker’s allowance replaces just 12 per cent of average earnings and statutory sick pay just 16 per cent. For the most part, this falls far behind the support available in other rich countries.

A tale of two crises: housing and the cost of living

six monopoly houses, with three coins in front

Summarising research and analysis from across the homelessness sector, this report outlines the impact of successive freezes in housing benefit (Local Housing Allowance) on low income renters, people experiencing homelessness, and services. Within the cost of living crisis, low income households in the private rented sector are particularly exposed to the economic pressures that can push them into homelessness.

The gender gap in pension saving

In this report, we document differences in pension incomes and pension saving between men and women in the UK, and analyse the drivers behind these differences. In particular, we examine two different ‘gender pension gaps’. First is the gap in average private and state pension incomes between men and women who are already over state pension age.

Set up to fail: How the broken IVA market is failing people in debt distress

Research shows how people in problem debt are being sold a debt solution – an Individual Voluntary Arrangement (IVA) – that too often is not the best option for them.

IVAs are heavily marketed to people looking for debt help and, despite being the most expensive and lengthy option, they have become by far the most common form of insolvency.

Fairer, warmer, cheaper: New energy bill support policies to support British households in an age of high prices

The current system of policies supporting households with high energy bills is inadequate for an era of high energy bills. In this final, report with Public First, we present a new policy framework that should be in place by spring 2024 – to ensure warmer homes, fairer use of public money, and overall cheaper bills. It is part of a wider project commissioned and supported by Citizens Advice.

Importance of ill health to the UK’s labour market participation challenge

A top-down perspective of a formally dressed individual pointing at their laptop screen

We must redesign jobs and promote good work to allow more people to find employment in an inclusive labour market.

That means improving job retention, and focussing employment support on people facing health-related barriers to work – the 2.2 million non-participating working-age adults with ill-health.