Drawing on interviews with welfare claimants living in Essex, UK, this article examines the material and symbolic effects of the UK government's 2012 Welfare Reform Act, and it highlights the participants' interpretations of and responses to that. In reaction to their sense of material and symbolic exclusion, participants made moral claims for their inclusion through a notion of social citizenship based on collective reciprocity and care. They claimed to have paid-in to the national purse in various material and moral ways until circumstances outside of their control meant they could no longer do so. They thus asserted a moral-economic right to social inclusion and an ensuing right to receive adequate, non-stigmatised, and non-punitive welfare. These moral-economic claims differ from other, more public, counter-narratives to welfare reform and government austerity, and they assert a clear but subtle opposition to the market-bound logic of the reform. [ABSTRACT FROM AUTHOR]