The Loophole That Unlocks More Than £60,000 in Benefits for Some Households
18th February 2026
The rise is partly down to the increasing number of families securing exemptions from the household benefits cap, which is supposed to prevent them taking more home in welfare payments than they can get by working.
However, there are 16 different benefits which are not limited. These include Personal Independence Payments (PIPs) for long-term physical and mental disabilities and Disability Living Allowance (DLA).
The number of people in England and Wales claiming these two benefits has risen from almost 3.2 million in 2010-11 to about 4.4 million in 2023-24. The Government expects it to reach 6.7 million by 2030.
People will game any system that can be gamed.