Government officials have suggested doctors could be offered cash incentives and work alongside employment advisers to reduce the numbers out of work because on long-term sickness.

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If we got that, we'd be out of recession more quickly, growth would happen more fast, and of course employment would grow even higher.

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Paragraph 190 could only be invoked when a contract of employment remained in force and a doctor was serving out his notice, said the judge.

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Coupled with the poor state of most tribal economies, where employment may be largely seasonal or nonexistent, traditional home loans through banks are out of the question.

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The cap - which applies to England, Wales and Scotland and would be introduced from April 2013, applies to out-of-work benefits like Jobseeker's Allowance, and Employment and Support Allowance (ESA).

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