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If you’ve been forced to leave employment, or work reduced hours, because of sickness or disability,
there are a number of benefits you can claim. If you’re working, you might be able to claim Statutory
Sick Pay (SSP), paid by your employer. If this has run out, or you can’t claim it, find out about
Employment and Support Allowance (ESA), Personal Independence Payment (PIP), Universal Credit,
and other benefits you might be able to claim.
Universal Credit
Which disability and sickness benefits are affected by income and savings?
Universal Credit
Universal Credit is replacing the following benefits which you might be able to claim if you can’t
work because of sickness or disability:
Housing Benefit
Income Support
Most people are now no longer able to make a new claim for any of these benefits and will be asked
to claim Universal Credit instead.
If you’re currently getting any of these benefits, you will move to Universal Credit before March
2023.
How and when this happens depends on whether you have to make a new claim because of a
change in circumstances (natural migration) or are asked by the DWP to move to Universal Credit
(managed migration).
For now, you won’t have to claim Universal Credit if you are in a couple and one of you qualifies for
Pension Credit.
If you are getting Severe Disability Premium you won’t have to move to Universal Credit.
If you are not already claiming severe disability premium and could be entitled to it, it is important
to make a claim now.
Find out more about Universal Credit for sick and disabled people and when you might be asked to
start claiming it here.
Depending on your circumstances, you might be able to claim new-style Employment and Support
Allowance. This is paid if you can’t work or can only work a few hours a week because of sickness or
disability.
You might be able to get new-style ESA if your SSP has run out.
Personal Independence Payment (PIP) is paid if you find it difficult to carry out daily tasks or get
about.
It is not means tested you could get it regardless of how much income or savings you have.
have had these difficulties for three months and expect them to last for at least another nine
months (unless you are terminally ill)
PIP is replacing Disability Living Allowance (DLA) for adults.
You could get between £23.20 and £145.85 a week, depending on how severely your condition
affects you.
You can only make a new claim for Disability Living Allowance (DLA) for children under 16.
It is not means tested you could get it regardless of how much income or savings you have.
Your child could get between £23.20 and £145.85 a week, depending on how severely their
condition affects them.
Find out more about existing DLA claims for adults on GOV.UK.
Find out more about claiming DLA in Northern Ireland on the nidirect website.
Attendance Allowance
Read more about Attendance Allowance in our guide Benefits you can claim when you have care
needs.
Most people can no longer make a new claim for Housing Benefit and will have to claim the housing
costs element of Universal Credit instead.
You might get help towards interest payments on your mortgage. This is called Support for Mortgage
Interest (SMI).
If you’re getting Income Support, income-related Employment and Support Allowance or Pension
Credit
To also help pay the interest on loans for repairs or adaptations making your home more suitable for
your needs
You can’t claim SMI if you’re getting contributory ESA (or contribution-based ESA).
SMI is paid directly to the lender 39 weeks after you first apply for this benefit.
SMI is paid as a loan which you will have to pay back either when you sell your house, or voluntarily
when you are able to (for example when you return to work).
Find out more in our guide about Support for Mortgage Interest (SMI).
If you’re on a low income you might be able to get help with Council Tax payments.
Each local council has their own Council Tax Reduction scheme, so the help you get depends on
where you live.
If you live in England contact your local council to find out more about their Council Tax Reduction
scheme
If you live in Scotland contact your local authority to find out about their Council Tax Reduction
scheme
If you live in Wales contact your local authority to find out about their Council Tax Reduction scheme
If you live in Northern Ireland you will need to claim Rate Relief instead
Most people now have to claim Universal Credit instead of Working Tax Credit.
If you have one or two children, you now have to claim Universal Credit instead of Child Tax Credit.
You can claim for children until they reach 19 (or 20 in some cases) if they are in full time approved
education or training, but not at university.
If you have three or more children you will not be asked to claim Universal Credit and can still make
a new claim for Child Tax Credit.
If your children were born before 6 April 2017, you will be able to claim for them all.
If one or more of your children were born on or after 6 April 2017, you will only be able to claim for
the first two unless you had a multiple birth or adopted.
If your disability or illness was caused at work you might be able to claim Industrial Injuries
Disablement Benefit (IIDB).
You must have been working for an employer or taking part in approved training. You won’t be able
to claim it if you were self-employed.
The amount you can get depends on how severely your condition affects you.
It isn’t means tested so you could get it regardless of how much income or savings you have.
Find out more about Industrial Injuries Disablement Benefit.
If you have an injury or illness caused by work starting before 1 October 1990 and can’t earn as
much money now because of your condition, you might be able to claim Reduced Earnings
Allowance.
It is means tested so getting it could affect other benefits of both you and your partner or spouse.
If you’ve reached State Pension age you will be able to claim the State Pension.
If you’re on a low income you might be able to top it up with Pension Credit.
Which disability and sickness benefits are affected by income and savings?
Some benefits help you with the extra care needs of being sick or disabled and aren’t means tested -
so they are not affected by your income and savings. These benefits include:
Attendance Allowance
Contribution-based ESA is not affected by your income or savings as it is paid if you’re entitled to it
and you have made enough National Insurance contributions.
Other benefits are affected by your income and savings – and your partner or spouse’s too. For
example:
Tax Credits
Pension Credit
Housing Benefit
income-based JSA
income-related ESA
If you have income and/or savings of less than £6,000 you should usually be entitled to claim these
benefits.
If you or your partner or spouse have income and/or savings over £16,000 you usually won’t be
eligible to claim these benefits.
If you have income and/or savings of between £6,000 and £16,000 you might still be entitled to
claim these benefits but the amount you get could be reduced.
If you have income and/or savings get a benefits check to find out what you might be entitled to.
Find out more about claiming sickness and disability benefits on the Turn2Us website
Find out more about how income and savings affect benefits on the entitled to website
If you’re self-employed you can’t claim Statutory Sick Pay but you might be able to claim the
following benefits:
Housing Benefit
Universal Credit
Read our guide Benefits and tax credits you can claim as a carer.
Motability Scheme
Who is it for? People in receipt of the higher rate mobility element of Disability Living Allowance or
Personal Independence Payment – the scheme can provide a car, motorised wheelchair or scooter.
Who is it for? The Blue Badge scheme helps those with severe mobility problems who have difficulty
using public transport to park close to where they need to go. Charges and entitlement rules for the
Blue Badge scheme vary across the UK.
How to claim: Apply online on the GOV.UK website or contact your local council.
There is plenty of free help available if you’re unsure about what benefits you are entitled to or need
help with making a claim.
If you claim benefits you must explain your condition. Otherwise you might not get all the help
you’re entitled to.
Appoint someone to deal with your sickness and disability benefit claim for you
If you can’t manage your benefits yourself, an individual or organisation can do this on your behalf.
This is called being an appointee. They become responsible for dealing with your Department for
Work and Pensions (DWP) benefits.
If you have a learning disability, you can ask Dosh Financial Advocacy to help you with your benefits
as your advocate and appointee.
They’re a non-profit organisation, and also offer a series of fact sheets for family carers on managing
money.
Top tip
Most people have to pay for prescriptions in England. If you’re on Income Support or income-related
Employment and Support Allowance, your prescriptions are usually free.
Prescriptions are free in Scotland, Wales and Northern Ireland, whatever your age and
circumstances.
If you live in England and you’re getting certain benefits or you’re on a low income you might be able
to get help with health costs.
These include:
Dental costs.
Eyecare costs.
NHS prescriptions.
Find out more about getting help with health costs on the NHS Choices websiteopens in new
window.
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