To help us address this, the Welsh Government has itself commissioned a comprehensive assessment of the cumulative impacts of the welfare reforms on people in Wales and this is now underway.
Mae asesiad effaith integredig yn cael ei lunio hefyd gyda'r nod o alluogi Llywodraeth Cymru i ystyried, mewn ffordd strwythuredig, effaith y polisïau a'r camau arfaethedig ar bobl Cymru.