offeyi adetola

This is what this "brilliance" looks like over an actual life. You arrive legally, pay PAYE, NI, visa fees, and thousands upfront for the IHS(the highest fees in the world). Five years later, you may be settled, but the safety net you funded is still kept behind another locked door. Even before settlement, healthcare was not a completely open door for you. In England, the NHS may investigate infertility, but an IHS payer is excluded from funded IVF, IUI & donor treatment. One private IVF cycle averages about £5,000 before medication & storage. "It can never be you", but no one who has ever needed these services felt it would be them. Then, thank God a child arrives. No Child Benefit. If wages fall, no Universal Credit child element. Some funded childcare survives NRPF, but the UC scheme that can repay up to 85% of childcare costs is unavailable, so the family quietly absorbs the gap. Wild guess how many families in Britain do you think do not/have not used one of these in their lifetime? Then work disappears( I know, it can never be you) or the rent rises. New Style JSA may exist if the NI record is strong enough, but there is no UC for living costs or rent, no Council Tax Reduction, and no ordinary route into social housing or homelessness assistance. That your cash ISA you're proud of will disappear before your eyes. You may be in your 20s now and alone but you won't be like that forever. Then someone unfortunately has a stroke. The NHS may stabilise them & offer short-term rehabilitation or reablement, usually free for no more than 6 weeks. But a serious brain injury does not check the calendar & recover once it has reached week six. After that, long-term physio, OT & personal care become a negotiation across NHS & council boundaries. NRPF does not erase the right to a Care Act but neither route is automatic, a lot of immigrants are left high and dry—even NHS workers. Meanwhile, PIP is closed. If a partner cuts work to become your carer, Carer's Allowance is closed. If savings are drained by rent & daily care, UC is closed. The body may still receieve healing as the surrounding household around it collapses. Nobody "wants benefits". Nobody wants infertility, redundancy, a stroke or a serious life changing event. The point of a safety net is that a careful life can still split open without warning. After years of paying in, migrants should not be insured only against "good luck". I don't think people fully understand what "they don't want any anyway".