Benefit families speak out

As MPs resume their debate on the Welfare Reform Bill - the government wants to cap benefits claimed by families to £26,000 a year - we look at one family that may be affected by the changes.

Unemployed father-of-seven Raymond (not his real name) and his family rent a former council house on a social housing estate in north Wales. They do not own a car or take a regular annual holiday.

Continue reading the main story “ Start Quote I see eight people here having to choose between eating or heating” End Quote Raymond

Raymond, a former educational software writer, has been jobless since 2001. His wife Katherine suffers from bipolar disorder with an anxiety disorder and is unable to work.

Ray says: "The market for my skills dried up 10 years ago - there's a total lack of work in my area of expertise."

The couple share their home with six of their children - their five-year-old son, Raymond's twin girls from his first marriage, and three of his wife's four children from an earlier relationship.

Here we break down the benefits Raymond and his family receive - and detail where the money goes. Click on the grey boxes to see what Raymond says about their outgoings.

Other outgoings £91 'There are four children to supply school uniforms - including gym kits - each year. The school trips aren't days out to Alton Towers - they're educational trips for several of the courses, like history, geography and media studies, that the school tells us will form an important part of their course. Then there are seven birthdays a year, and seven children to make Christmas happen for each year.' Entertainment £20 'I go out once a week, on a Friday night. I meet up with my mates in the pub and have three or four pints.' Sky TV £15 'We get the Sky Movies package because we're stuck in the house all week - otherwise we wouldn't have any entertainment.' Public transport £30 'Most of this goes on our eldest son's bus fares to college and back. For me, if it's less than five miles, I'll walk.' Mobiles £32 'My wife and I have mobile phones, and so do all of the teenage children. You try telling teenagers they're going to have to do without their mobiles and there'll be hell to pay.' Energy bill £38 'Gas and electricity bills have gone up massively over the last couple of years - two years ago we were paying £20 a week. If they do cut our benefit we are going to have to choose between eating and heating the house properly.' Rent £76 'This is social housing in Wales, so the rent is hardly massive. If we rented privately in this area, then the cost would be four or five times as much.' Weekly shopping £240 'Our biggest expense. We do all our shopping at Tesco or Morrisons in one big go. Mostly we buy the "value" range - tinned meatballs, baked beans etc. On the cigarettes, my wife tried to give up, but she missed one appointment on the course and they threw her off it.'

Ray, 45, says: "I would love to be able to say that we are living in one of these eight-bedroom mansions that everyone is up in arms about, but no, we are stuck in a three-up, two-down house that has external measurements of barely 19ft by 25ft.

Continue reading the main story BENEFIT CAP PLAN From April 2013, household benefits capped so out-of-work families do not receive more than the average household weekly income.

Limit set at £26,000 a year - equivalent to household wage of £500 a week after tax

Includes Jobseeker's Allowance, Income Support, Employment and Support Allowance, Housing Benefit, Child Benefit and Child Tax Credit

Exemptions for households in receipt of Working Tax Credit, Disability Living Allowance or Personal Independence Payment, Constant Attendance Allowance and war widows/widowers

Welfare Reform Bill applies to England, Scotland and Wales

"We have three teenage boys living in one room that barely fits their bunks and a chair-bed in it and two teenage daughters in a smaller room that barely fits their bunks in it.

"In the third bedroom we have ourselves and a five-year-old boy."

The family receive a total of £30,284.80 a year in benefits - well over the £26,000 cap proposed by the government. But, says Raymond, "If these proposals go through we will take a massive hit to our finances - and it's not as if we could move into a smaller or cheaper premises.

"I see eight people here having to choose between eating or heating."