The Department for Work and Pensions (DWP) balances a requirement to protect tax payer’s money with a duty to ensure that claimants are not placed in undue hardship by excessive deductions from their benefit. For this reason, the maximum deduction rates that can be applied to an on-going benefit award for the recovery of an overpayment are set out in legislation. Different deduction rates will be applied in different circumstances, with the highest rate only being applicable where an overpayment has been classified as fraud. DWP administers benefits to approximately 20 million people with a wide variety of individual circumstances so it is difficult to make a general assessment on living standards. Therefore, we apply any considerations of this type at an individual level. If a person states they cannot afford the proposed rate of recovery, they are asked to provide details of their income and expenditure. Their individual circumstances will then be taken into account and a temporary reduction in the rate of repayment may be agreed. In exceptional circumstances, a temporary suspension of recovery may be appropriate.