Dyma sydd wedi bod yn digwydd ers 2010 pan benderfynodd Llywodraeth y DU gau'r Gronfa Byw'n Annibynnol i ymgeiswyr newydd. O hynny ymlaen, nid oedd modd i bobl anabl gael taliadau o'r Gronfa i helpu gyda chostau byw'n annibynnol ar ben cymorth ar wahân gan eu hawdurdod lleol, a oedd yn amod ar gyfer derbyn taliadau'r Gronfa. O ganlyniad fe gafodd system dwy haen ei chreu, gyda rhai o bobl anabl Cymru yn medru cyrraedd at gymorth o'r ddwy ffynhonnell, ond y mwyafrif o bobl anabl ond yn medru derbyn cymorth gan eu hawdurdod lleol.
This has been the case since 2010 when the UK Government closed the Independent Living Fund (ILF) to new applicants. Consequently, disabled people were no longer able to receive payments from the ILF to help with the cost of independent living in addition to receiving separate support from their local authority, which was a condition of receiving ILF payments. As a result a two tier system was created where some disabled people in Wales were still being able to access both avenues of support, while the majority of disabled people could now only receive this from their local authority.