The ‘Bedroom Tax’: A Two-Pronged Attack By Insa Koch

1 September 2013 — New Left Project

The ‘bedroom tax’, which was implemented on the 1 April 2013, has been widely criticised as a fundamental attack on the welfare state in Britain. It exposes many people to the risk of losing their houses, threatening to break up family homes and communities. But there is also another problem with the ‘bedroom tax’ which has been largely overlooked: in addition to undermining the welfare state, it fosters feelings of resentment which may well reinforce social divisions among the most marginalised sectors of society.

When the British welfare state was first established following the Second World War, a central ambition of the post-war reformers was to create a more equal and inclusive society. Through the provision of basic benefits and a minimum living standard, a settlement was to be reached between capital and labour that would protect even the worst off from complete immiseration. With the dismantling of the Keynesian consensus in the late 1970s, this settlement has been progressively undermined. Alongside a gradual reduction of public resources,[1] a shift towards means-tested assistance[2] has restricted the provision of welfare assistance to only the most destitute and needy members of society. This attack on the welfare state has been taken to new extremes through the wide-ranging cuts introduced by the current government as part of its so-called welfare reforms.

The ‘bedroom tax’ is a case in point. Introduced in the Welfare Reform Act 2012, ‘bedroom tax’ is the name given by its opponents to the government’s under-occupancy policy as it pertains to social housing. Promoted as a means of redistributing social housing more evenly, a central aim of the policy is to ensure that the needs of social housing tenants are met more efficiently. The policy works by assessing families for the number of bedrooms they actually need: any tenant found to have a spare bedroom loses 14 per cent of their housing benefit per week and 25 per cent per week if they have more than one spare bedroom. This means that those found to live in properties that are deemed to be bigger than their needs are either forced to find the money to pay the difference in rent or to downgrade to a smaller property. The bedroom tax affects an estimated 31 per cent of existing working-age housing benefit claimants in the social sector.

The problem with the bedroom tax is that it does not, contrary to the government’s claim, result in a more equal distribution of social housing. On the contrary, it exposes the vast majority of those affected by it to the risk of losing their houses. Most social housing tenants are unable to pay the loss of benefits out of their own pocket. At the same time, downgrading is frequently not an option: there simply are not enough smaller social housing properties within the local social housing stock to house the displaced and moving into the private rental sector remains impossible for people who cannot afford to put down a deposit. The effects of the policy have begun to make themselves felt: research shows that 96 per cent of those affected by the policy will be stuck in their current homes, facing arrears, potential eviction and homelessness. Meanwhile, many of the vacated properties will remain empty as the government struggles to find enough families of sufficient size to meet the criteria of need.

By forcing tenants out of their houses, the ‘bedroom tax’ also breaks up family homes and communities. Consider the elderly woman who acted as a carer for her sick husband and who is told to leave her two bedroom council house as soon as her husband has died. Or the couple that can no longer afford to stay in the council house in which they raised their children because the latter’s bedrooms are no longer in use. Or the single mother who was once offered a house by the council to escape a violent husband and who is now forced to leave the home that offered her safety and protection. The effects of these processes will be gendered and hit the most vulnerable the hardest: single mothers, the disabled and the elderly are among those who are most affected by the loss of family homes and their local neighbourhoods. As the recent case of a woman committing suicide over the bedroom tax shows, for many, this may make life, quite literally, unbearable.

Perhaps most seriously, the ‘bedroom tax’ fosters feelings of resentment among those affected by it. And here lies the real hidden danger of means-tested policies: the ‘bedroom tax’ encourages boundaries that divide its losers from its winners. Those who are penalised by means-tested benefits feel hard done by, and harbour grievances against those who take their place. Meanwhile, the few who are considered to be in need are made to feel that they are unjustly taking away from others, causing widespread stigma and shame. At a time when social justice is no longer on the agenda of mainstream political parties, these processes may not only reinforce popular feelings of disenchantment but also act as ammunition for the divisive rhetoric of right-wing parties. While the long-term effects of the bedroom tax remain to be seen, it may well be the case that it constitutes not only a violent attack on the welfare state but also on solidarity within the most vulnerable sectors of society.

Insa Koch is a teaching fellow at the Anthropology Department at the London School of Economics. Her research focuses on politics, social welfare and law in the UK and has involved extensive ethnographic fieldwork on council estates in England.


[1] Harvey, D. 2005. A Brief History of Neoliberalism. Oxford: Oxford University Press 

[2] Alcock, P. 2004.  Social Security in Britain. Basingstoke: Palgrave Macmillan

One thought on “The ‘Bedroom Tax’: A Two-Pronged Attack By Insa Koch

  1. Tad Davison says:

    This is a copy of an e-mail I wrote to the local Lib Dem MP, Julian Huppert:

    Dear Mr Huppert,

    I have tried to follow this week’s Lib Dem conference as closely as I could to see what direction the party might take in the future. I was most anxious to learn what they would decide to do regarding the so-called ‘Bedroom Tax’ that is presently having such a drastic effect upon some of the country’s most disadvantaged and vulnerable people, but I’m still unclear. I would be grateful therefore, if you could provide me with some clarity as I intend to bring whatever pressure I can to bear on the government to scrap it altogether.

    It would be nice to be able to establish some common ground between the Lib Dems and myself, but there seems to be many areas of disagreement. I can’t quite understand why the middle-class, who might be earning many tens of thousands of pounds per annum, should soon benefit from free school meals for their kids, whilst those in greater need are in danger of being forced to leave the homes and the communities they have become a part of, because of the ‘Bedroom Tax’. If Mr Clegg really does insist that the Lib Dems have provided the restraint which effectively put the brakes on the Tory party’s excesses, how come the ‘Bedroom Tax’ got through the net?

    As a concession, I do not doubt that under occupancy is a problem in some cases, but let us be in no doubt, the ‘Bedroom Tax’ is just a ploy to reduce the living standards of the poor, including the disabled. Were it not so, it could have been tackled a different way, not by removing the ‘subsidy’, but by incentivising those who could move, and had no particular reason to stay in their present home.

    The Bedroom Tax stinks to high heaven. It is a bad policy that is ideologically-driven, and those who accede to it and accept it, cannot claim to be on the side of fairness, or the poorest. I await your early reply.

    Yours sincerely

    Tad Davison

    Cambridge

    Like

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