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Doesn't matter how you try to justify it...
  • TheyreTheSamePicture.jpg

  • Doesn't matter how you try to justify it...
  • You can’t be a good anything and be a landlord

    A good parasite?

  • I hope this song finds you well.. Jimmy.
  • Yes! It premiered last night, first 2 episodes were brilliant, and I'm trying really hard not to binge the rest so that I can make it last

  • If I don't overshoot my planned sleeping time by 1 hour doomscrolling, I'm usually sick.
  • Those lyrics hit far too close to home right now..

  • Vermont becomes 1st state to enact law requiring oil companies pay for damage from climate change
  • I am sooooo fucking sick and tired of people touting out that tired cliché to defend capitalists..

    I think instead we should start saying "don't let the manipulation by their benefactors stand in the way of the reality of the systems they maintain".

    I doubt anyone is expecting perfection at this point, I know I'm not (it being a literal impossibility and all), but them pretending to be "good" and you buying it, doesn't actually make it any good at all (as I said - it's just giving them the space to continue as they are for a fee that they will never pay, their trapped customers will).

    Defending this bullshit as the good we should be happy to compromise for serves no one but the people running the oil companies (and the politicians they pay to ensure such legislation has no legs).

    You are playing their game, and supporting their team, bathing in the placation of their greenwashing and letting them get away with it. That is what's in the way of good.

  • Vermont becomes 1st state to enact law requiring oil companies pay for damage from climate change
  • So they can pay a relative pittance to keep chugging along uninterrupted, and pass the cost on to the consumer.
    Yeah, that'll fix things...

  • If I don't overshoot my planned sleeping time by 1 hour doomscrolling, I'm usually sick.
  • I know perfectly well what space I'm in, and if the NT encroaching on it didn't realise (and they did, because they were making excuses for themselves from the get go) them coming from /all would only excuse the first comment, not the rest of the thread where they make it clear that they don't care that they're talking over ND's in our own space.

  • If I don't overshoot my planned sleeping time by 1 hour doomscrolling, I'm usually sick.
  • And yeah, I thought it was a no-brainer that actively reading social media makes it harder to fall asleep while doing so, but these days I’m not so sure how common this “common sense” is.

    And there it is.

    The NT has ridden in on their white horse to teach all us NDs about their "common sense" that is clearly what we're lacking..

    What would we do without you, oh great neurotypical??? /S

  • If I don't overshoot my planned sleeping time by 1 hour doomscrolling, I'm usually sick.
  • Lmfao, that's a lot of condescending words to say "no, I will absolutely NOT listen to the people whose space I'm encroaching on and try to learn about their experience and do better for their benefit (or simply walk away), I WILL continue to always centre myself, because that's all I care about".

    I’ve been on the receiving end of righteous anger for giving neurotypical advice before

    And yet the thought to, you know, just fucking not never seems to have crossed your mind..

    The "experience I'm facing" that is causing me "anger" is you and your behaviour, no amount of twisting things to justify it to yourself changes that, the least you can do is take some accountability (lmfao, as if.. This entire thread is absolutely textbook NT behaviour, including the framing me as "emotional" and yourself as "logical", and you've already made it clear that you don't give a shit about the impact of your own actions).

    Sorry it came across the way it did. I’ll try to be more careful about it in the future, assuming I remember.

    Fuck your non apology and your insistent on there being a next time for you to be "careful about it" - you don't need to "be careful", what you need is to have some respect for spaces that aren't for you and the people they are for, and resist your desperate need to insert yourself and your unsolicited unhelpful and uninformed opinions absolutely everywhere.

    I thought expressing a bit of solidarity

    TIL solidarity means privileged people talking over the experiences of marginalise people in their own space 🙄

  • Do 9-5 jobs still exist in the U.S.?
  • you’re always free to walk away.

    Yeah, and die of starvation or exposure, which ever comes first..
    Maybe take a look around at the reality most people face before giving such out of touch advice..

  • Veritasium's new video on Jumping Spiders is having its sponsor Better Help on blast in the top comments. Should we hold content creators to account?
  • made a pretty weird video about autism, using the fact that his son has it as like qualification for him to talk about it. folks with autism tried to talk to him about the problematic nature of the video in the comments, and he just blocked them.

    So typical Autism Parent™ then lol it's like they can't help but make it about themselves.. 🙄

  • If I don't overshoot my planned sleeping time by 1 hour doomscrolling, I'm usually sick.
  • I'm autistic and I'm the same but for me it's less about going a minute without stimulation, more about not wanting to be alone with my thoughts because they're constant and horrible at best.

    Without my tv and pc always on around me (and weed) I don't think I could sleep at all (pc to scroll/read till my eyes get sleepy, and tv to give my brain external conversation to focus on rather than the one going on in my brain). Even then it's a struggle, but I'm still 100% more likely to get some sleep with these things on, than I am without (I don't consider crying for several hours in either frustration or deep despair until my eyes can't stay open anymore a good enough alternative ¯\(ツ)/¯).

  • If I don't overshoot my planned sleeping time by 1 hour doomscrolling, I'm usually sick.
  • Not everything is about or for you, you don't always have to chip in, and this is a perfect example of a time where you actually have nothing of much value to contribute to the conversation so should just taken a seat and listen (if you must. Again - some things simply aren't for you and it's ok to move on without piping up).

    You are literally being the top person in the meme who doesn't get it. We face several of you a day every single day of our lives.

    I hope you take this opportunity to learn and do better in the future, instead of trying to justify, and continuing to centre yourself in conversations that aren't for you.

  • Blow for Rishi Sunak as IFS says Tories oversaw ‘worst income growth for generations’
  • Tories oversaw deliberately caused ‘worst income growth for generations’ to line their own pockets

    FTFY

  • Ableism
  • It's always nice to meet a fellow link collector lol

    I'll admit it might be a while since I've read some of these myself (or in the case of the book pdf - not fully yet) so they might not all be up to date, but the gist should still stand.

  • Labour deselecting left-wing candidates and women of colour in first week of campaign
  • They're basically fancy ways of saying "non white".

    Exactly

    And yeah, it can get confusing and complicated when terms are a bit vague or euphemistic, which like you say, is intentional in probably most cases for both identities and countries examples (and others). But really it means we just have to put in a little more thought in to what we actually mean to say, and also be open to learn an adapt.

  • Labour deselecting left-wing candidates and women of colour in first week of campaign
  • Happy to help, and yes, there is definitely a move away from the more general "catch-all" terms that seem to exist mostly to make life easier for those outside of the group in question, rather than those in it. It's a good move.

  • Ableism
  • Cool. I figured I'd just troll my bookmarks and paste anything related, but there was more than I realised lol. I did cut back, but this still feels like a bit much, sorry 😂

    Language related:

    https://www.researchgate.net/publication/331107477_SaytheWord_A_Disability_Culture_Commentary_on_the_Erasure_of_Disability

    https://fightingtalk.substack.com/p/disability-is-not-a-dirty-word

    https://30daysofautism.blog/2023/03/21/lets-talk-about-language-is-disability-a-bad-word/

    https://sailhelps.org/so-whats-wrong-with-the-word-handicapped/

    https://everydayfeminism.com/2014/05/grammar-snobbery/

    https://medium.com/no-prescription-needed/grammar-the-worlds-most-under-recognized-social-construct-a54e096ecc9c

    https://theautisticadvocate.com/functioning-labels-why-you-shouldnt-be-using-them-thanks-a-bunch-terminology-dudes/

    https://www.ncmh.info/2019/04/04/fallacy-functioning-labels/

    https://graymattersmd.com/functioning-labels-autism/

    https://web.archive.org/web/20231127173144/https://thebodyisnotanapology.com/magazine/15-common-phrases-that-are-way-more-ableist-than-you-may-realize/

    https://everydayfeminism.com/2015/08/alternatives-to-oppressive-language/

    https://web.archive.org/web/20201108200517/https://raddle.me/f/Illegalism/77441/40-alternatives-to-ableist-and-oppressive-words

    https://www.autistichoya.com/p/ableist-words-and-terms-to-avoid.html

    https://www.learningforjustice.org/magazine/no-joking-matter-words-and-disability

    Capitalism/"productivity" related:

    https://dailyfreepress.com/2020/11/19/mind-your-business-ableism-is-rooted-in-capitalism/

    https://atmos.earth/productivity-culture-ableism-ecofeminism-capitalism-the-slow-grind/

    https://thestrand.ca/capitalism-ableism-and-the-glamorization-of-productivity/

    https://www.wsws.org/en/articles/2021/09/24/pers-s24.html

    https://www.npr.org/2021/09/24/1039676445/laziness-does-not-exist-devon-price

    Independence related:

    https://web.archive.org/web/20240224035644/https://thebodyisnotanapology.com/magazine/independence-is-an-ableist-myth-unlocking-the-power-of-community-in-healing/

    https://leavingevidence.wordpress.com/2011/02/12/changing-the-framework-disability-justice/

    Covid related:

    https://www.forbes.com/sites/andrewpulrang/2022/01/31/6-ways-responses-to-covid-19-have-been-ableist-and-why-it-matters/

    https://www.mencap.org.uk/press-release/eight-10-deaths-people-learning-disability-are-covid-related-inequality-soars

    https://www.wsws.org/en/articles/2024/03/09/xdvx-m09.html?pk_kwd=wsws

    https://www.disabilitynewsservice.com/it-was-emergency-planning-that-was-vulnerable-during-covid-not-disabled-people-inquiry-is-told/

    https://www.donotpanic.news/p/its-all-out-war-on-the-vulnerable?utm_source=publication-search

    https://www.donotpanic.news/p/mass-disabling-event-denial?utm_source=publication-search

    Internalized ableism:

    https://www.neurodiverging.com/what-is-internalized-ableism-neurodivergent-people-need-to-know/

    https://www.autisticparentsuk.org/post/overcoming-internalised-ableism

    Other/general:

    https://www.fullspectrumchildcare.com/blog/to-be-a-radical-crip-and-the-power-in-identifying-as-one

    https://deathsbywelfare.org/

    https://leavingevidence.wordpress.com/2017/08/06/forced-intimacy-an-ableist-norm/

    https://privateplacespublicspacesblog.wordpress.com/about-the-project/

    https://www.euronews.com/2023/06/05/i-see-the-scar-and-i-want-to-die-why-the-eu-allows-sterilisation-of-women-with-disabilitie

    https://blueannoyed.wordpress.com/2024/04/30/welcome-to-the-crip-warehouse/

    https://www.womenspress.com/what-can-feminists-make-of-the-eugenicist-history-of-abortion/

    https://level.medium.com/disability-justice-is-an-essential-part-of-abolishing-police-and-prisons-2b4a019b5730

    https://www.upress.umn.edu/book-division/images/other-images/9781452963495_intro.pdf

    https://www.researchgate.net/publication/354037224_Destroying_Disability_Expanding_Application_of_the_Genocide_Convention

    https://alexschadenberg.blogspot.com/2024/03/scotlands-deceptive-euthanasia-bill.html?m=1&mibextid=K35XfP

    https://disability-memorial.org/

    https://www.theguardian.com/society/2022/dec/09/from-the-wheelchair-using-black-panther-to-the-cripple-suffragette-10-heroes-of-the-disabled-rights-movement

    https://www.theguardian.com/money/2020/jun/24/you-cant-pay-cash-here-how-cashless-society-harms-most-vulnerable

    https://themighty.com/topic/disability/tweet-thread-straw-bans-disability/

    https://medium.com/@thorafelicitybell/our-environmentalism-has-to-be-intersectional-4cf824ab2aa4

    https://www.eater.com/2018/7/19/17586742/plastic-straw-ban-disabilities

    https://www.bvanudgeconsulting.com/bias-of-the-week/just-world-hypothesis/

  • I hope this song finds you well.. Jimmy.
  • I thought folks here especially would appreciate this song lol

    (also transcribed by ear and vague memory of the subtitles during the episode lol, if you think I got it wrong let me know!)

  • I hope this song finds you well.. Jimmy.

    Jimmy ate my yogurt now he's putting it back Used to ignore but I'll plain attack Drop the defence now I've got you in my scope Jimmy walk away from the fridge slowly

    Got your email Jimmy, you sent it at night You expect a response but I'm tucked in tight I'm different now Jimmy, I'm in my power I'll respond to your email at a reasonable hour At a reasonable hour At a reasonable hour At a reasonable hoooouuuur

    Self care, bad bitch, I'm a villain, I'm a villain, out of office email saying zero fucks given x4

    You ask me to work late, but I'm all done Off the clock punched out time for fun! You ask me where I'm going so I tell you the truth Jimmy boy I'm going to a spin class! Kind regards, best wishes, EAT SHIT Yours truly, sincerely, THIS BITCH I'm different now Jimmy, I'm in my power I'll respond to your email at a reasonable hour At a reasonable hour At a reasonable hour At a reasonable hoooouuuur

    Self care, bad bitch, I'm a villain I'm a villain, out of office email saying zero fucks given x6

    3
    Allegory of Inclination - Artemisia Gentileschi (1615-1617)

    400 Years Ago a Prudish Aristocrat Censored This Artemisia Gentileschi Nude. Using Tech, an Italian Museum Has Revealed the Stunning Original Work

    https://news.artnet.com/art-world/censored-artemisia-gentileschi-female-nude-revealed-2375778

    https://en.wikipedia.org/wiki/Allegory\_of\_Inclination

    Her other work is also well worth a look:

    https://en.wikipedia.org/wiki/Artemisia\_Gentileschi

    7
    Body Brokers (2021)
    www.imdb.com Body Brokers (2021) - IMDb

    Body Brokers (2021) on IMDb: Movies, TV, Celebs, and more...

    Body Brokers (2021) - IMDb

    An eye opening movie based on the realities of the for-profit rehab/addiction treatment complex (though the text at the end, as well as revealing some horrific related statistics, also makes it clear that this is a at least partly promotional material for the 12 step programs, which have their own issues).

    A pretty depressing watch, but important if you want a better understanding of the tip of the iceberg of reasons why profit and care (health, social, communal, any care really) should never mix.

    1
    Infected Mushroom - I Shine

    I shine to make you smile, I try to save you one more time, for your lonely place, you need a friendly face, when your option's low, I lift you from below

    0
    Name Me Lawand (2022)

    A documentary about a young deaf Kurdish boy and his family who move to the UK so he, and they, can learn to communicate. It quite delicately touches on so many themes from family, community, acceptance, self determination, pride, to ableism, displacement, hostile immigration policy, and other systemic barriers. I cried throughout.

    3
    Ani Mevushal (I'm baked)

    I’m a little emotional, gotta be rational, being ok is optional, I’m in a phase, ani mevushal...

    Ani mevushal = I'm baked (literally - cooked) Ani metugan = I'm fried Ani meturlal = I'm crazed Ani mechushmal = I'm electrified Mechin megulgal, ve tas lachalal = I roll one up, and fly to space

    0
    Skunk Anansie - we don't need who you are

    One of my favourite ever albums, never fails to get some rage out of the system

    0
    Full movies on YouTube @lemm.ee DessertStorms @kbin.social
    The Intruder (1962) [CW: racism]

    The Intruder (1962) full movie. AKA "Shame" is a low budget Roger Corman film that deals with early integration in the south. William shatner portrays a carpet bagger from the North? Who just shows up to cause trouble. The film is way ahead of its time when you consider the strife we are encountering in 2020. Watch it! - Broken Trout -

    10
    Emergency Social Security Campaigns Meeting – THIS Sunday
    dpac.uk.net Emergency Social Security Campaigns Meeting - THIS Sunday - DPAC

    Emergency Social Security Campaigns Meeting Sunday 21 April 2024 3 – 4.30pm Join Zoom Meeting https://us06web.zoom.us/j/88958156364?pwd=ah3dyMFY3y20G1HajLzZaLNVa3wKag.1 Meeting ID: 889 5815 6364 Passcode: 069808 We have called this meeting to bring together all those worried by and/or wanting to fig...

    Emergency Social Security Campaigns Meeting - THIS Sunday - DPAC

    Emergency Social Security Campaigns Meeting Sunday 21 April 2024 3 – 4.30pm

    Join Zoom Meeting https://us06web.zoom.us/j/88958156364?pwd=ah3dyMFY3y20G1HajLzZaLNVa3wKag.1

    Meeting ID: 889 5815 6364 Passcode: 069808

    We have called this meeting to bring together all those worried by and/or wanting to fight back against the Tories’ current all out assault on Disabled people, culminating in Rishi Sunak’s announcement today with plans to cut access to social security for millions of people.

    For anyone who is worried, please remember that some of these changes may take time to roll out and others will only affect new claimants not existing ones.

    For accurate information on what the key changes announced this week are see:

    Tory plans: PIP no longer always cash, WCA harder to pass, UC migration sooner, no GP sick notes, DWP power to arrest and fine (benefitsandwork.co.uk)

    0
    Over £23bn worth of welfare benefits went unclaimed in the last year, report finds

    NEW analysis has found that over £23 billion worth of welfare benefits went unclaimed in the last year.

    The report, by Policy in Practice, found that the number had risen from £19bn the year before and that figures could be closer to £30bn if it were to analyse disability benefits and discretionary support.

    Universal credit is the most unclaimed benefit at £8.3bn, with an estimated 1.4 million missing out on this type of support.

    This is followed by carer’s allowance (£2.3bn), pension credit (£2.2 bn) and child benefit (£1.7 bn).

    The analysis said that most claimants are simply unaware that certain benefits exist and cited navigating complex criteria as a serious barrier.

    The report comes as household debt rises to £8.8bn a year.

    Policy in Practice managing director Jade Alsop said: "Our findings show that as a society, we can’t afford not to consider these measures to prevent further costs to our health, education and social care services.

    “It is estimated that, by improving pension credit take-up alone, the cost of social care will decrease by £4bn a year.”

    Claire Atchia McMaster, director of income and external affairs at anti-poverty charity Turn2Us, said that feedback they receive indicates that accessing benefits is “complicated, inaccessible and emotionally draining.”

    She said: “This complexity prevents millions from claiming vital support, exacerbating financial insecurity and impacting wellbeing.”

    Ms McMaster called for clearer action from the government to ensure support reaches everyone who needs it.

    Benefit calculators can be accessed on the Turn2Us and Policy in Practice websites.

    6
    Over £23bn worth of welfare benefits went unclaimed in the last year, report finds

    NEW analysis has found that over £23 billion worth of welfare benefits went unclaimed in the last year.

    The report, by Policy in Practice, found that the number had risen from £19bn the year before and that figures could be closer to £30bn if it were to analyse disability benefits and discretionary support.

    Universal credit is the most unclaimed benefit at £8.3bn, with an estimated 1.4 million missing out on this type of support.

    This is followed by carer’s allowance (£2.3bn), pension credit (£2.2 bn) and child benefit (£1.7 bn).

    The analysis said that most claimants are simply unaware that certain benefits exist and cited navigating complex criteria as a serious barrier.

    The report comes as household debt rises to £8.8bn a year.

    Policy in Practice managing director Jade Alsop said: "Our findings show that as a society, we can’t afford not to consider these measures to prevent further costs to our health, education and social care services.

    “It is estimated that, by improving pension credit take-up alone, the cost of social care will decrease by £4bn a year.”

    Claire Atchia McMaster, director of income and external affairs at anti-poverty charity Turn2Us, said that feedback they receive indicates that accessing benefits is “complicated, inaccessible and emotionally draining.”

    She said: “This complexity prevents millions from claiming vital support, exacerbating financial insecurity and impacting wellbeing.”

    Ms McMaster called for clearer action from the government to ensure support reaches everyone who needs it.

    Benefit calculators can be accessed on the Turn2Us and Policy in Practice websites.

    2
    Kemi Badenoch: ‘UK’s wealth isn’t from white privilege and colonialism’
    www.theguardian.com Kemi Badenoch: ‘UK’s wealth isn’t from white privilege and colonialism’

    Minister told London conference that Glorious Revolution of 1688 paved way for economic certainty

    Kemi Badenoch: ‘UK’s wealth isn’t from white privilege and colonialism’

    Minister told London conference that Glorious Revolution of 1688 paved way for economic certainty

    It would be wrong to attribute the UK’s wealth and economic success to its colonial history or racial privilege, the business and trade minister, Kemi Badenoch, has told an audience in the City.

    Addressing financial services bosses at TheCityUK’s international conference in London, the business secretary said the UK’s past exploitation and oppression of other countries and groups of people could not sufficiently explain the country’s economic trajectory.

    Badenoch said: “It worries me when I hear people talk about wealth and success in the UK as being down to colonialism or imperialism or white privilege or whatever.”

    Instead, she said the Glorious Revolution of 1688 – which led to the development of the UK constitution and solidified the role of parliament – should be credited for providing the kind of economic certainty that paved the way for the Industrial Revolution.

    Any other interpretation could derail efforts to increase growth at home and abroad, Badenoch said.

    “It matters, because if people genuinely believe that the UK only grew and developed into an advanced economy because of exploitation and oppression, then the solutions they will devise will make our growth and productivity problem even worse,” she said.

    “It matters in other countries too, because if developing nations do not understand how the west became rich, they cannot follow in its footsteps.

    “And it matters when, as your trade secretary, I go to the World Trade Organization conference negotiating on the UK’s behalf, and some of my counterparts spend the entire time in meetings talking about colonialism, blame the west for their economic difficulties, and make demands that would make all of us – not just in this country, but around the world – poorer.”

    Her comments come nearly a year after the UK prime minister, Rishi Sunak, refused to apologise for the UK’s role in the slave trade or to commit to paying reparations.

    That was despite descendants of some of Britain’s wealthiest enslavers calling on the government to apologise for slavery and begin a programme of reparative justice in light of the “ongoing consequences of this crime against humanity”.

    “Its after-effects still harm people’s lives in Britain, as well as in the Caribbean countries where our ancestors made money,” a member of the Heirs of Slavery campaign group said.

    A report published by the University of the West Indies last June concluded that the UK alone owed $24tn (£18.8tn) in reparations for transatlantic slavery in 14 countries, including $9.6tn to Jamaica. The report used calculations made by the Brattle Group, which factored in the wealth and GDP amassed by countries that enslaved African people.

    15
    Private health insurance market grows by £385m in a year amid NHS crisis
    www.theguardian.com Private health insurance market grows by £385m in a year amid NHS crisis

    Demand for private treatment booms as NHS waiting lists remain long, while more people also sign up for dental cover

    Private health insurance market grows by £385m in a year amid NHS crisis

    Demand for private treatment booms as NHS waiting lists remain long, while more people also sign up for dental cover

    Britain’s health cover market has grown by £385m in a year as the NHS crisis prompted more people to seek out private medical treatment and demand for dental insurance increased, according to a report.

    The total health cover market, including medical and dental insurance and cash plans, grew 6.1% to £6.7bn in 2022, the latest year for which figures are available, according to the health data provider LaingBuisson.

    About 4.2 million people were subscribed to medical cover schemes. Including dependants on the policies, 7.3 million people were covered – the highest number since 2008.

    Since the market’s Covid-driven drop in 2020, when it declined by 2.2%, it has grown considerably faster than historical norms. Average annual growth was 6.1% between 2020 and 2022, compared with 1.7% between 2008 and 2019.

    The NHS waiting list in England continued to lengthen, to a peak of nearly 7.8m last September. In February, it was still 7.5m and half of the patients had been waiting for 18 weeks or longer.

    Private medical insurance, the largest part of the health cover market, grew by 6% year on year in 2022 to £5.3bn, more than triple the average annual growth rate of 1.8% between 2008 and 2019. After a decade of decline until 2018, more people signed up, particularly in the aftermath of the Covid-19 pandemic which led to a backlog of major procedures such as hip and knee replacements.

    Tim Read, author of the report, said: “Demand began to increase in 2018, as the NHS waiting list began to rise out of control. A new Labour government is likely to aim to tackle it but will have limited fiscal headroom to make substantial progress.

    “With people still struggling to access NHS services and the waiting list remaining stubbornly high, there is little likelihood that demand for health insurance is going to fall any time soon.”

    Read added: “Growth is led by company-backed schemes, which may suggest an increased awareness of the impact of employee ill-health on a business – and possibly frustration at the impact that an inaccessible NHS is having on productivity.”

    Growing numbers of people are also paying out of their own pockets for medical treatment, despite the high cost of some procedures, such as knee operations which typically cost between £12,000 and £15,000.

    Dental insurance and capitation plans (fixed monthly payments) have shown the highest growth of the market, up 9.7% year on year in 2022. However, most people who see a dentist privately pay for treatment without any cover.

    The emergence of “dental deserts” – swathes of the UK where NHS dentists are not taking on new patients – means hundreds of thousands of people have turned up in hospitals or at GPs with severe tooth decay.

    skip past newsletter promotionafter newsletter promotion The average health insurance premium went up to £1,225 in 2022 from £1,203 in 2021, according to LaingBuisson. Premiums on work policies went up to £975, while individual premiums rose to £2,252.

    Insurers have flagged premium rises of more than 10%, with one placing them as high as 40% this year and possibly beyond. This reflects a rise in claims and higher medical costs. Some people who could not get what would have been a cheaper treatment option during the pandemic are now suffering from more expensive conditions to treat, Read said.

    The UK health insurance market is dominated by Bupa, France’s Axa Health, Aviva and Vitality Health, which is owned by South Africa’s Discovery.

    In dental insurance, the main players are Bupa, Simply Health and Unum, after Cigna left the UK market.

    Read said: “I don’t think that the NHS is going to fall apart overnight or that the private sector is going to run rampant overnight. But I do think as people as customers, rather than people as taxpayers, are beginning to reconceptualise the value of paying additionally for healthcare entitlements, which technically they should get on the NHS.”

    8
    Private health insurance market grows by £385m in a year amid NHS crisis
    www.theguardian.com Private health insurance market grows by £385m in a year amid NHS crisis

    Demand for private treatment booms as NHS waiting lists remain long, while more people also sign up for dental cover

    Private health insurance market grows by £385m in a year amid NHS crisis

    Demand for private treatment booms as NHS waiting lists remain long, while more people also sign up for dental cover

    Britain’s health cover market has grown by £385m in a year as the NHS crisis prompted more people to seek out private medical treatment and demand for dental insurance increased, according to a report.

    The total health cover market, including medical and dental insurance and cash plans, grew 6.1% to £6.7bn in 2022, the latest year for which figures are available, according to the health data provider LaingBuisson.

    About 4.2 million people were subscribed to medical cover schemes. Including dependants on the policies, 7.3 million people were covered – the highest number since 2008.

    Since the market’s Covid-driven drop in 2020, when it declined by 2.2%, it has grown considerably faster than historical norms. Average annual growth was 6.1% between 2020 and 2022, compared with 1.7% between 2008 and 2019.

    The NHS waiting list in England continued to lengthen, to a peak of nearly 7.8m last September. In February, it was still 7.5m and half of the patients had been waiting for 18 weeks or longer.

    Private medical insurance, the largest part of the health cover market, grew by 6% year on year in 2022 to £5.3bn, more than triple the average annual growth rate of 1.8% between 2008 and 2019. After a decade of decline until 2018, more people signed up, particularly in the aftermath of the Covid-19 pandemic which led to a backlog of major procedures such as hip and knee replacements.

    Tim Read, author of the report, said: “Demand began to increase in 2018, as the NHS waiting list began to rise out of control. A new Labour government is likely to aim to tackle it but will have limited fiscal headroom to make substantial progress.

    “With people still struggling to access NHS services and the waiting list remaining stubbornly high, there is little likelihood that demand for health insurance is going to fall any time soon.”

    Read added: “Growth is led by company-backed schemes, which may suggest an increased awareness of the impact of employee ill-health on a business – and possibly frustration at the impact that an inaccessible NHS is having on productivity.”

    Growing numbers of people are also paying out of their own pockets for medical treatment, despite the high cost of some procedures, such as knee operations which typically cost between £12,000 and £15,000.

    Dental insurance and capitation plans (fixed monthly payments) have shown the highest growth of the market, up 9.7% year on year in 2022. However, most people who see a dentist privately pay for treatment without any cover.

    The emergence of “dental deserts” – swathes of the UK where NHS dentists are not taking on new patients – means hundreds of thousands of people have turned up in hospitals or at GPs with severe tooth decay.

    The average health insurance premium went up to £1,225 in 2022 from £1,203 in 2021, according to LaingBuisson. Premiums on work policies went up to £975, while individual premiums rose to £2,252.

    Insurers have flagged premium rises of more than 10%, with one placing them as high as 40% this year and possibly beyond. This reflects a rise in claims and higher medical costs. Some people who could not get what would have been a cheaper treatment option during the pandemic are now suffering from more expensive conditions to treat, Read said.

    The UK health insurance market is dominated by Bupa, France’s Axa Health, Aviva and Vitality Health, which is owned by South Africa’s Discovery.

    In dental insurance, the main players are Bupa, Simply Health and Unum, after Cigna left the UK market.

    Read said: “I don’t think that the NHS is going to fall apart overnight or that the private sector is going to run rampant overnight. But I do think as people as customers, rather than people as taxpayers, are beginning to reconceptualise the value of paying additionally for healthcare entitlements, which technically they should get on the NHS.”

    3
    Infected Mushroom & Bliss - Boss La Rosh

    One of those tracks where Duvdev's background in rock really shines through. Great mood boost.

    0
    Forced home moves cost renters over half a billion pounds a year
    www.theguardian.com Forced home moves cost renters over half a billion pounds a year

    There were 830,000 unwanted moves in England over the past 12 months, meaning 40% have been forced to relocate

    Forced home moves cost renters over half a billion pounds a year

    There were 830,000 unwanted moves in England over the past 12 months, meaning 40% have been forced to relocate

    Unwanted home moves cost renters more than half a billion pounds a year, with tenants coughing up an average of £669 every time they are forced by landlords to leave their home, a survey has revealed.

    Analysis by the homelessness charity Shelter estimated that there had been 830,000 unwanted moves in England over the past 12 months, meaning 40% of renters who move house are doing so because they have been compelled to look for other accommodation.

    An unwanted move is defined as a fixed-term tenancy coming to an end, or tenants being priced out by a rent increase, being served an eviction notice or being informally asked to leave by the landlord.

    Renters collectively spend £550m a year on moving costs, often paying rent and bills on two properties during the moving period, along with hiring removal vans, paying for stopgap storage and buying new furniture, Shelter estimates.

    Natalie, 47, has moved 12 times in the past 21 years, and has been served with two no-fault evictions in the past 18 months. Although she has been in her new home for seven months, she still cannot relax and feels traumatised by her moving experiences. “I haven’t even unpacked properly,” she said. “I’m worried that as soon as I do, I’m going to have to move again.

    “I’ve downsized to a studio. Most of my stuff is stored in a garage nearby that I’m renting for £75 and I had to shell out £750 on removal van hire alone. It took me 18 months just to pay back all the debts accrued from the last move, and then it happened all over again.

    “There is nothing worse than being forced to move home,” she added. “Without a stable foundation, how can you lead a fruitful life?”

    “This is money that renters will never see again,” said Tarun Bhakta, policy manager for Shelter. “It’s not a deposit that you may or may not get back at the end of your tenancy, it’s not money for your rental, it’s simply costs down the drain. Money for a removal van, for packing boxes, for new furniture; these are avoidable expenses that tenants are having to make against their will.

    “Because of an abnormally and unreasonably unstable rental system, tenants are having to cough up millions and millions of pounds each year in moves that could otherwise be avoided, if the government had a backbone and delivered a strong, watertight renters’ reform bill.”

    In April, the government signalled that it would make amendments to the long awaited bill, delaying the ban on section 21 evictions – the two-month notice, “no fault” compulsory orders to leave the property – and reneging on the promise to overhaul fixed-term tenancies.

    New figures released by the Office for National Statistics show that average rents have increased by £107 a month nationally, and by £207 a month in London over the past year.

    Polly Neate, the chief executive of Shelter, said: “Tenants are coughing up millions in unwanted and unwarranted moves, while the government runs scared of a minority of its own MPs. Instead of striking dodgy deals with backbenchers to strangle the renters’ reform bill, ministers should defend renters’ best hope of a stable home.

    “With protections from eviction so weak and rents so high, we constantly hear from people forced out of their homes and communities at huge personal cost. It’s impossible for renters to put down roots knowing a no-fault eviction could plunge them back into chaos at any moment.”

    A Department for Levelling Up, Housing and Communities spokesperson said: “The renters (reform) bill will deliver the manifesto commitment to abolish section 21 evictions. It will be returning to the House of Commons shortly.”

    0
    Forced home moves cost renters over half a billion pounds a year
    www.theguardian.com Forced home moves cost renters over half a billion pounds a year

    There were 830,000 unwanted moves in England over the past 12 months, meaning 40% have been forced to relocate

    Forced home moves cost renters over half a billion pounds a year

    There were 830,000 unwanted moves in England over the past 12 months, meaning 40% have been forced to relocate

    Unwanted home moves cost renters more than half a billion pounds a year, with tenants coughing up an average of £669 every time they are forced by landlords to leave their home, a survey has revealed.

    Analysis by the homelessness charity Shelter estimated that there had been 830,000 unwanted moves in England over the past 12 months, meaning 40% of renters who move house are doing so because they have been compelled to look for other accommodation.

    An unwanted move is defined as a fixed-term tenancy coming to an end, or tenants being priced out by a rent increase, being served an eviction notice or being informally asked to leave by the landlord.

    Renters collectively spend £550m a year on moving costs, often paying rent and bills on two properties during the moving period, along with hiring removal vans, paying for stopgap storage and buying new furniture, Shelter estimates.

    Natalie, 47, has moved 12 times in the past 21 years, and has been served with two no-fault evictions in the past 18 months. Although she has been in her new home for seven months, she still cannot relax and feels traumatised by her moving experiences. “I haven’t even unpacked properly,” she said. “I’m worried that as soon as I do, I’m going to have to move again.

    “I’ve downsized to a studio. Most of my stuff is stored in a garage nearby that I’m renting for £75 and I had to shell out £750 on removal van hire alone. It took me 18 months just to pay back all the debts accrued from the last move, and then it happened all over again.

    “There is nothing worse than being forced to move home,” she added. “Without a stable foundation, how can you lead a fruitful life?”

    “This is money that renters will never see again,” said Tarun Bhakta, policy manager for Shelter. “It’s not a deposit that you may or may not get back at the end of your tenancy, it’s not money for your rental, it’s simply costs down the drain. Money for a removal van, for packing boxes, for new furniture; these are avoidable expenses that tenants are having to make against their will.

    “Because of an abnormally and unreasonably unstable rental system, tenants are having to cough up millions and millions of pounds each year in moves that could otherwise be avoided, if the government had a backbone and delivered a strong, watertight renters’ reform bill.”

    In April, the government signalled that it would make amendments to the long awaited bill, delaying the ban on section 21 evictions – the two-month notice, “no fault” compulsory orders to leave the property – and reneging on the promise to overhaul fixed-term tenancies.

    New figures released by the Office for National Statistics show that average rents have increased by £107 a month nationally, and by £207 a month in London over the past year.

    Polly Neate, the chief executive of Shelter, said: “Tenants are coughing up millions in unwanted and unwarranted moves, while the government runs scared of a minority of its own MPs. Instead of striking dodgy deals with backbenchers to strangle the renters’ reform bill, ministers should defend renters’ best hope of a stable home.

    “With protections from eviction so weak and rents so high, we constantly hear from people forced out of their homes and communities at huge personal cost. It’s impossible for renters to put down roots knowing a no-fault eviction could plunge them back into chaos at any moment.”

    A Department for Levelling Up, Housing and Communities spokesperson said: “The renters (reform) bill will deliver the manifesto commitment to abolish section 21 evictions. It will be returning to the House of Commons shortly.”

    1
    DWP warns carers they could face greater penalties if they appeal against fines
    www.theguardian.com DWP warns carers they could face greater penalties if they appeal against fines

    Officials at Department for Work and Pensions accused of ‘threatening and cruel’ tactics over repayment orders

    DWP warns carers they could face greater penalties if they appeal against fines

    Officials at Department for Work and Pensions accused of ‘threatening and cruel’ tactics over repayment orders

    Government officials have been accused of using “threatening and cruel” tactics towards unpaid carers by saying they could face even greater financial penalties if they appeal against “vindictive” benefit fines.

    This month a Guardian investigation revealed that thousands of people who look after disabled, frail or ill relatives have been forced to pay back huge sums after being chased by the Department for Work and Pensions (DWP) over “honest mistakes” that officials could have spotted years earlier.

    Dozens of unpaid carers have said they feel powerless to challenge the penalties, which often run into many thousands of pounds, even when the government is at fault.

    Now the Guardian has learned that the DWP is warning carers that their fine may increase if they appeal against a repayment order.

    In one letter in June 2023, the government department said that if the unpaid carer challenged the order “the entire claim from the date it started will be looked at, which could potentially result in the overpayment increasing, if there are more periods where your earnings exceeded the allowable limits”.

    This carer, whose husband has dementia and Parkinson’s, had been ordered to repay nearly £4,000 for unwittingly exceeding the weekly earnings threshold of £151 by calculating her zero-hours job on a monthly basis – as she believed the rules required – rather than on a four-weekly basis.

    The former council worker said the penalty had “destroyed” her confidence and left her feeling unable to challenge the DWP. “I can’t afford this bill but I can’t afford to argue with them because if I do I’ve made these mistakes already, chances are I’ve made other mistakes,” she said.

    Cristina Odone, head of family policy at the centre-right thinktank the Centre for Social Justice, described the DWP tactic as “threatening and incredibly cruel”.

    She said: “Again and again, if you talk to ordinary people, the DWP raises their hackles and their fears because it is the state possibly coming to claw back benefits.

    “It is the most hostile bit of the state for so many people. This just confirms their wariness of the DWP as the bit of government that is the least sympathetic, most faceless and most heartless.”

    Unpaid carers are entitled to a carer’s allowance of £81.90 a week – the smallest benefit of its kind – providing they care for someone for at least 35 hours a week. They are allowed to work but must not make more than £151 a week after tax and expenses.

    People who make more than the £151 weekly limit, even as little as 1p more, must pay back the entire week’s carer’s allowance for the whole period in which they were in breach of the rules, in what has been described as a “cliff edge” approach.

    Tens of thousands of carers have unwittingly fallen foul of this rule and have not been alerted by the DWP until years later, even though the government has real-time technology that means it can spot and stop these infractions much sooner.

    Carers have been plunged into debt, forced to sell their homes and given criminal records over what they say were “honest mistakes” that should have been spotted much sooner by the DWP.

    Three former work and pensions secretaries, including Iain Duncan Smith, have called on the government to pause investigations into unpaid carers and launch a review of its failings. Debbie Abrahams, a Labour MP on the Commons work and pensions committee, has called the DWP’s approach “simply vindictive”.

    Jolyon Maugham, director of the Good Law Project, a campaign group supporting unpaid carers, said the DWP’s attempt to dissuade people against appealing was “quite troubling and quite unsavoury”.

    Maugham said: “Parliament has set up an appellant system to enable appeals against demands that people repay carer’s allowance. For the DWP to take steps to discourage people from using this very important safeguard is itself quite troubling.”

    Emily Holzhausen, director of policy at Carers UK, said unpaid carers feel “stuck in a place where they feel unable to challenge decisions – even though they have a legal right to do so”.

    The DWP said: “Carers across the UK are unsung heroes who make a huge difference to someone else’s life and we have increased carer’s allowance by almost £1,500 since 2010.

    “We have safeguards in place for managing repayments, that’s why visiting officers are available to provide support and assistance to customers when attending their homes, particularly for those deemed vulnerable.

    “Claimants have a responsibility to inform DWP of any changes in their circumstances that could impact their award, and it is right that we recover taxpayers’ money when this has not occurred.”

    2
    DWP warns carers they could face greater penalties if they appeal against fines
    www.theguardian.com DWP warns carers they could face greater penalties if they appeal against fines

    Officials at Department for Work and Pensions accused of ‘threatening and cruel’ tactics over repayment orders

    DWP warns carers they could face greater penalties if they appeal against fines

    Officials at Department for Work and Pensions accused of ‘threatening and cruel’ tactics over repayment orders

    Government officials have been accused of using “threatening and cruel” tactics towards unpaid carers by saying they could face even greater financial penalties if they appeal against “vindictive” benefit fines.

    This month a Guardian investigation revealed that thousands of people who look after disabled, frail or ill relatives have been forced to pay back huge sums after being chased by the Department for Work and Pensions (DWP) over “honest mistakes” that officials could have spotted years earlier.

    Dozens of unpaid carers have said they feel powerless to challenge the penalties, which often run into many thousands of pounds, even when the government is at fault.

    Now the Guardian has learned that the DWP is warning carers that their fine may increase if they appeal against a repayment order.

    In one letter in June 2023, the government department said that if the unpaid carer challenged the order “the entire claim from the date it started will be looked at, which could potentially result in the overpayment increasing, if there are more periods where your earnings exceeded the allowable limits”.

    This carer, whose husband has dementia and Parkinson’s, had been ordered to repay nearly £4,000 for unwittingly exceeding the weekly earnings threshold of £151 by calculating her zero-hours job on a monthly basis – as she believed the rules required – rather than on a four-weekly basis.

    The former council worker said the penalty had “destroyed” her confidence and left her feeling unable to challenge the DWP. “I can’t afford this bill but I can’t afford to argue with them because if I do I’ve made these mistakes already, chances are I’ve made other mistakes,” she said.

    Cristina Odone, head of family policy at the centre-right thinktank the Centre for Social Justice, described the DWP tactic as “threatening and incredibly cruel”.

    She said: “Again and again, if you talk to ordinary people, the DWP raises their hackles and their fears because it is the state possibly coming to claw back benefits.

    “It is the most hostile bit of the state for so many people. This just confirms their wariness of the DWP as the bit of government that is the least sympathetic, most faceless and most heartless.”

    Unpaid carers are entitled to a carer’s allowance of £81.90 a week – the smallest benefit of its kind – providing they care for someone for at least 35 hours a week. They are allowed to work but must not make more than £151 a week after tax and expenses.

    People who make more than the £151 weekly limit, even as little as 1p more, must pay back the entire week’s carer’s allowance for the whole period in which they were in breach of the rules, in what has been described as a “cliff edge” approach.

    Tens of thousands of carers have unwittingly fallen foul of this rule and have not been alerted by the DWP until years later, even though the government has real-time technology that means it can spot and stop these infractions much sooner.

    Carers have been plunged into debt, forced to sell their homes and given criminal records over what they say were “honest mistakes” that should have been spotted much sooner by the DWP.

    Three former work and pensions secretaries, including Iain Duncan Smith, have called on the government to pause investigations into unpaid carers and launch a review of its failings. Debbie Abrahams, a Labour MP on the Commons work and pensions committee, has called the DWP’s approach “simply vindictive”.

    Jolyon Maugham, director of the Good Law Project, a campaign group supporting unpaid carers, said the DWP’s attempt to dissuade people against appealing was “quite troubling and quite unsavoury”.

    Maugham said: “Parliament has set up an appellant system to enable appeals against demands that people repay carer’s allowance. For the DWP to take steps to discourage people from using this very important safeguard is itself quite troubling.”

    Emily Holzhausen, director of policy at Carers UK, said unpaid carers feel “stuck in a place where they feel unable to challenge decisions – even though they have a legal right to do so”.

    The DWP said: “Carers across the UK are unsung heroes who make a huge difference to someone else’s life and we have increased carer’s allowance by almost £1,500 since 2010.

    “We have safeguards in place for managing repayments, that’s why visiting officers are available to provide support and assistance to customers when attending their homes, particularly for those deemed vulnerable.

    “Claimants have a responsibility to inform DWP of any changes in their circumstances that could impact their award, and it is right that we recover taxpayers’ money when this has not occurred.”

    1
    DessertStorms DessertStorms @kbin.social
    Posts 148
    Comments 2.7K