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Gareth Morgan - Ferret

@ferrinfo.bsky.social
285 followers 273 following 62 posts

CEO of Ferret Information Systems - benefits advice systems and training specialists. Blogs with boring numbers at benefitsinthefuture.com. Models the effects of tax and benefits systems. Waves a sword in 17c reenactments.

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Gareth Morgan - Ferret @ferrinfo.bsky.social · 04/07/2026
Has anyone modelled taking the triple lock off state pensions and putting it onto Pension Credit ? #pensions #benefits #tax
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 03/07/2026
Has anyone modelled taking the triple lock off state pensions and putting it onto Pension Credit ?
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 28/01/2026
And a few hours on prompt engineering
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 28/01/2026
Did my 10 seconds on More or Less this morning but why do they always leave out the pithy comment you were really proud of?
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Joseph Rowntree Foundation @jrf-uk.bsky.social · 27/01/2026
Read our full #UKPoverty2026 report here: www.jrf.org.uk/uk-poverty-2...
jrf.org.uk
UK Poverty 2026: The essential guide to understanding poverty in the UK
This report sets out the nature of poverty in the UK, and evaluates changes under the last Conservative-led Government. It also sets out the scale of action necessary for the current Government to del...
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Citizens Advice @citizensadvice.bsky.social · 27/01/2026
Rydyn ni’n cefnogi mwy o bobl ledled Cymru nag erioed o’r blaen. Dyna pam rydyn ni’n galw ar lywodraeth nesaf Cymru i gynnal mynediad at gyngor annibynnol o ansawdd uchel, fel bod pobl yn cael y cymorth cywir pan fydd ei angen arnynt. Mwy o wybodaeth ⤵️ public.flourish.studio/story/3553775/
Y flwyddyn ddiwethaf cafodd 208,000 o bobl yng Nghymru gymorth gennym. Mae hyn yn 8.5% yn fwy na'r flwyddyn flaenorol.
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Citizens Advice @citizensadvice.bsky.social · 27/01/2026
We're supporting more people across Wales than ever before. That's why we're calling on the next Welsh Government to maintain access to good quality, independent advice to ensure that people have the right support when they need it. Read more ⤵️ public.flourish.studio/story/3486637/
Text reads, 'Last year we helped 208,000 people in Wales. That's 8.5% more than the previous year'.
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Manisha Sinha @profmsinha.bsky.social · 19/01/2026
HT John Ganz: "I have the impression that the persons directing the policy of the Hitler Government are not normal. Many of us, indeed, have a feeling that we are living in a country where fantastic hooligans and eccentrics have got the upper hand.” —Sir Horace Rumbold to London, 1933
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 05/01/2026
Daily Mail joins in the false benefits comparisons. This time they managed to give a 3 child family on benefits over £25k more than is correct when comparing with a single high earner. benefitsinthefuture.com/tis-the-season… #benefits #work #DailyMail
benefitsinthefuture.com
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 29/12/2025
‘tis the season to be jolly… wrong, in the Daily Mail. This time the Mail manages to give a 3 child family on benefits over £25k more than is correct when comparing with a single high earner. benefitsinthefuture.com/tis-the-seas... #benefits #work #dailymail
benefitsinthefuture.com
‘tis the season to be jolly… misleading, in the Daily Mail – Benefits in the Future
There might almost seem to be a deliberate campaign by some of the press to mislead or distort the rules and rates around benefits entitlements. In particular, there seems to be a trend, amongst the u...
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 29/12/2025
‘tis the season to be jolly… wrong, in the Daily Mail. This time the Mail manages to give a 3 child family on benefits over £25k more than is correct when comparing with a single high earner. benefitsinthefuture.com/tis-the-seas... #benefits #work #dailymail
benefitsinthefuture.com
‘tis the season to be jolly… misleading, in the Daily Mail – Benefits in the Future
There might almost seem to be a deliberate campaign by some of the press to mislead or distort the rules and rates around benefits entitlements. In particular, there seems to be a trend, amongst the u...
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 29/12/2025
‘tis the season to be jolly… misleading, in the Daily Mail. This time the Mail manages to give a 3 child family on benefits over £25k more than is true when comparing with a single high earner. The details benefitsinthefuture.com
benefitsinthefuture.com
Benefits in the Future – Welfare reform commentary and analysis
Welfare reform commentary and analysis
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 08/12/2025
I’m told a formal complaint has been made to IPSO about the Telegraph article.
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Declan Gaffney @greyskiesthinking.bsky.social · 06/12/2025
Have only seen what's quoted here but I'm sure NC's right that 'failures' to report changes of circumstance were the main driver of the overpayment issues. A system that imposes major compliance costs on claimants and draconian responses to breaches will do that. www.theguardian.com/society/2025...
theguardian.com
Senior DWP civil servant blames victims for carer’s allowance scandal
Neil Couling said failings by individual claimants ‘at the heart’ of crisis, despite a report finding DWP shortcomings ‘unacceptable’
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 05/12/2025
The lifting of the 2 child limit makes a big difference to those working over 16 hours at NLW levels of earning. That’s particularly true where they are paying for childcare and the, largely unnoticed, lifting of the 2 child childcare limit applies. Politically, it’s a work incentive measure.
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Henry Tapper @henrytapper.bsky.social · 03/12/2025
Lies, Damned Lies and the Telegraph – Gareth Morgan. I had not got my head around the two children rules until I heard from my friend Gareth Morgan at our webinar and from Alan Chaplin who highlighted this wondrous piece on social media. This piece is by Gareth Morgan on December 1, 2025 The…
henrytapper.com
Lies, Damned Lies and the Telegraph – Gareth Morgan.
I had not got my head around the two children rules until I heard from my friend Gareth Morgan at our webinar and from Alan Chaplin who highlighted this wondrous piece on social media. This piece is by Gareth Morgan on December 1, 2025 The abolition of the two-child benefit limit in the budget attracted a lot of comment. From the Government and its supporters came a stream of articles and postings lauding the action at the number of families and children that it will lift out of poverty.
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Henry Tapper @henrytapper.bsky.social · 03/12/2025
Lies, Damned Lies and the Telegraph - Gareth Morgan. henrytapper.com/2025/12/03/l... The, much more than misleading, figures given in the ‘research’ and enlarged in the article are a sad indictment of a political assault masquerading as accurate reporting.
henrytapper.com
Lies, Damned Lies and the Telegraph – Gareth Morgan.
I had not got my head around the two children rules until I heard from my friend Gareth Morgan at our webinar and from Alan Chaplin who highlighted this wondrous piece on social media. This piece i…
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 01/12/2025
Lies, damned lies and the Telegraph. They posted CSJ figures using an outrageously false comparison of 2 cases. It claimed a benefits family were better off by £18k than a working household when the real figure was £16k worse off. The details benefitsinthefuture.com #benefits #budget
benefitsinthefuture.com
Benefits in the Future – Welfare reform commentary and analysis
Welfare reform commentary and analysis
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Jonathan Portes @jdportes.bsky.social · 01/12/2025
I hope somebody will complain to IPSO about this (and the similar Express splash). If so this will be a very useful reference.
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 01/12/2025
Lies, damned lies and the Telegraph. They posted CSJ figures using an outrageously false comparison of 2 cases. It claimed a benefits family were better off by £18k than a working household when the real figure was £16k worse off. The details benefitsinthefuture.com #benefits #budget
benefitsinthefuture.com
Benefits in the Future – Welfare reform commentary and analysis
Welfare reform commentary and analysis
19859
Gareth Morgan - Ferret @ferrinfo.bsky.social · 30/11/2025
A quick bit of maths seems to show that if you put their working family in the same circumstances they'd get £10k a year in PIP, £3.3k in Child Benefit and £4.3k in Universal Credit on top of their earnings. I'll do the proper sums tomorrow.
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 26/11/2025
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.
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 25/11/2025
All purpose Budget post. “I want to get more and pay less”.
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 03/11/2025
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
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 03/11/2025
So lower take-up means less deprivation (allegedly) and loss of deprivation support. Double argument for take-up work.
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 03/11/2025
PIP is not related to capability for work. A lot of PIP recipients work.
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 03/11/2025
The new local data on Pension Credit eligibility and take up also gives a new picture of huge local variations. Some areas have twice the take-up of others. benefitsinthefuture.com/4092-2/
benefitsinthefuture.com
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 ...
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 03/11/2025
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
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 ...
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 03/11/2025
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
benefitsinthefuture.com
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 ...
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 31/10/2025
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
benefitsinthefuture.com
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 ...
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 01/11/2025
Very variable by locality possibly linked to welfare rights advice work. benefitsinthefuture.com/4092-2/ looks at some details
benefitsinthefuture.com
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 ...
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Henry Tapper @henrytapper.bsky.social · 01/11/2025
"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
henrytapper.com
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…
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 31/10/2025
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
benefitsinthefuture.com
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 ...
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 27/10/2025
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...
benefitsinthefuture.com
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 ...
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 27/10/2025
Whoops, 90%
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 27/10/2025
For those working on means-tested benefits there can be an effective rate of over 10% benefitsinthefuture.com/who-actually...
benefitsinthefuture.com
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 ...
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 25/10/2025
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...
benefitsinthefuture.com
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 ...
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 25/10/2025
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...
benefitsinthefuture.com
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 ...
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 25/07/2025
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.
publications.parliament.uk
Pensioner Poverty: challenges and mitigations
Report of the Work and Pensions Committee
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 24/07/2025
‪Great to see my evidence being referred to alongside other powerful voices from the advice community.‬
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 25/06/2025
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.
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 25/06/2025
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.
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 04/04/2025
Rather chuffed the Work & Pensions Committee picked a bit of my evidence as an example of their inquiry. x.com/CommonsWorkP...
x.com
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
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 01/04/2025
“Ministers hail 'huge' minimum wage boost” but the reality is very different benefitsinthefuture.com/the-new-gove... #benefits #tax #minimmwage #NLW
benefitsinthefuture.com
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...
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 23/03/2025
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.
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Resolution Foundation @resolutionfoundation.org · 10/03/2025
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
chart showing Estimated number of adults receiving ESA or UC who will lose support due to proposed changes to the Work Capability Assessment, by income decile: UK, 2028-29 .
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 13/01/2025
We’re catching up , tonight was US-UK and SINGLES
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 13/01/2025
The US/UK one?
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 09/01/2025
Meaningless comparators. Need to use the same basis.
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Gareth Morgan - Ferret @ferrinfo.bsky.social · 02/01/2025
And for many, 94% of the employers extra pay from increased NLW goes straight to the government - benefitsinthefuture.com/the-new-gove...
benefitsinthefuture.com
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...
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