Mae newidiadau mawr wedi cael eu gwneud i fudd-daliadau anabledd a salwch eisoes ac mae mwy i ddod eleni. Disgwylir i effeithiau diwygiadau o'r fath fod yn fwy amlwg yng Nghymru nag yn y DU gyfan o ystyried y gyfran gymharol uchel o bobl yng Nghymru sy'n cael y budd-daliadau hyn. Mae'r Adran Gwaith a Phensiynau wedi rhoi rhai mesurau ar waith i warchod grwpiau anabl drwy eithriadau a Thaliadau Tai Dewisol (TTD) uwch; fodd bynnag, bydd effeithiau sylweddol ar bobl anabl a hefyd eu gofalwyr. Er bod y samplau y mae casgliadau'n seiliedig arnynt yn fach, mae ymchwil gan y Sefydliad Astudiaethau Cyllid (SAC) yn awgrymu bod gan gartrefi, ar gyfartaledd, rywun sy'n cael budd-dal anabledd a fydd yn gweld ei gymhelliant i weithio yn gwella. Yn ogystal, bydd y rheini sydd eisoes yn gweithio ac yn cael budd-dal anabledd yn gweld cryn welliant yn y cymhelliant i gynyddu eu henillion. Fodd bynnag, bydd cymhellion i gynyddu eu henillion yn dirywio i'r rheini mewn gwaith sydd â phartner sy'n cael budd-dal anabledd.
Major changes have already been made to disability and sickness benefits with more to come later this year. The impacts of such reforms are expected to be more pronounced in Wales than in the UK as a whole given the relatively high proportion of people in Wales receiving these benefits. The Department for Work and Pensions has put in place some protection for disabled groups via exemptions and increased Discretionary Housing Payments (DHPs); however, there will be significant impacts on disabled people and also their carers. Although sample sizes on which conclusions are based are small, research by the Institute for Fiscal Studies (IFS) suggests that, on average, households with someone receiving a disability benefit will have an improved incentive to be in work. In addition, those who are already in work and in receipt of a disability benefit will see a substantial improvement in the incentive to increase their earnings. However, incentives to increase their earnings will deteriorate for those in work with a partner receiving a disability benefit.