![](\"https:\/\/www.thesun.co.uk\/wp-content\/uploads\/2023\/09\/picture-shows-cherelle-dowling-benefitted-848688137.jpg\")
<\/p>\nA PIONEERING debt and benefits advice service in schools has seen hard-up families boost their income by up to \u00a324,000 in a year.<\/p>\n
Across the UK, an estimated \u00a319 billion worth of benefits goes unclaimed each year. <\/p>\n
<\/p>\n
Many find it too complicated or time-consuming to go through the process or simply don\u2019t know what is available for them.<\/p>\n
This includes everything from people eligible for universal credit, but not claiming it to those not taking up support with things like childcare costs and council tax.<\/p>\n
But as part of a pilot scheme in seven Greater Manchester schools in low-income areas, a full-time financial inclusion officer (FIO) worked to increase household incomes by helping families claim the benefits they are entitled to.<\/p>\n
Over the course of the 12 month-long scheme, 104 families were a total of \u00a3163,009 better off \u2013 an average of \u00a31,567 per family.<\/p>\n
But in one case, a family got \u00a324,000 of benefit gains.<\/p>\n The programme, Money Matters, was delivered in partnership between Kellogg\u2019s and Greater Manchester Poverty Action (GMPA).<\/p>\n The independent benefits advisers reached parents via coffee mornings, breakfast clubs and drop-in sessions.<\/p>\n Now, Kellogg\u2019s and GMPA are urging the government to roll out a pilot of the scheme to the 10 local authorities with the highest rates of relative child poverty to help match struggling families to the benefits they are entitled to but don\u2019t claim.<\/p>\n <\/span><\/p>\n <\/span><\/p>\n <\/span><\/p>\n <\/span><\/p>\n The scheme does not add to the government\u2019s benefits bill because it unlocks money that is budgeted for by the Department for Work and Pensions, which families are eligible for, but go unclaimed.<\/p>\n A spokesperson for Kellogg\u2019s said: \u201cOne of the most effective ways to combat food poverty in the UK is to address the root cause: financial insecurity and we were keen to find ways to help through our longstanding breakfast club programme.<\/p>\n \u201cMoney Matters is a remarkable initiative that is changing lives and enhancing people's financial security by helping them access the support that already exists.<\/p>\n \u201cWe hope the government will recognise the potential of this program and support the rollout of Money Matters nationwide.\u201d<\/p>\n Helen Chadwick, Daniel Rooney, and their four children aged between two and 12, were one family to use the scheme, gaining an extra \u00a324,120 in one-off benefits gains and 12 months of ongoing benefits.<\/p>\n This included assisting Daniel in a successful personal independence payment (PIP) appeal, worth \u00a3680 a month, as well as backdated payments of \u00a39,000.<\/p>\n The scheme also helped win Daniel a mandatory reconsideration after his limited capability for work-related activity (LCWRA) was rejected, resulting in another \u00a3354 a month and a one-off backdated payment of \u00a3301.<\/p>\n An additional carer's element on universal credit, worth \u00a3168.81 per month also added to the total, as well as helping the family to have their water bill capped, worth \u00a3382.<\/p>\n Cherrelle Dowling was also helped after believing she was on the right benefits – but then discovering through the scheme that she was entitled to more.<\/p>\n It found Cherrelle, who was living in a private rented property with her partner and children, needed an additional child element on universal credit, worth \u00a3244.58 a month or nearly \u00a33,000 a year.<\/p>\n Her children were also eligible for higher rate disability living allowance (DLA), but she was only receiving lower rate DLA for one of them, resulting in an extra \u00a38,362 a year.<\/p>\n With the scheme's support, she ended up with an extra \u00a311,297 in ongoing benefits per year.<\/p>\n Graham Whitham, chief executive officer at Greater Manchester Poverty Action, said: \u201cMoney Matters has illustrated the importance of delivering advice and support in trusted settings.<\/p>\n "In the context of the cost-of-living crisis and a benefits system beset by barriers and complexity, getting a trained advisor to work with people to maximise their income has never been more important.<\/p>\n![](\"https:\/\/www.thesun.co.uk\/wp-content\/uploads\/2023\/09\/NINTCHDBPICT000848239630.jpg\")
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