Benefits If You Have An Illness Or Disability
Sick pay from your employer
If you were working before your stroke, your employer may have a company sick pay scheme, which will entitle you to pay while you are off work. How much you get and how long you receive it will depend on the contract you have, so speak to your employer about what you are entitled to.
Statutory Sick Pay
If your company does not have a sick pay scheme, you can still get up to £95.85 Statutory Sick Pay a week if you are too ill to work. This is paid by your employer in the same way as your normal wages.
To qualify for SSP, you have to earn an average minimum of £120 per week to claim SSP. Even if you are on a fixed-term or zero-hours contract, or have recently started work, you can still claim SSP.
You can get SSP for up to 28 weeks. If you are unable to return to work or are not entitled to SSP, you may be able to claim Employment and Support Allowance.
SSP is available if you need to self-isolate due to coronavirus. Check online for the latest information on SSP for self-isolating.
How to find out more
Speak to your employer about SSP and their sick pay arrangements. If you disagree with a decision on SSP, you can contact the HMRC statutory payment dispute team on 0300 322 9422, textphone 0300 200 3212. You can get help with disputes over sick pay from ACAS. Visit the ACAS website to access the online Helpline, or call 0300 123 1100.
New-style Employment and Support Allowance
The assessment process
Work Capability Assessments
What Disability And Sickness Benefits Can I Claim
If you cant work, or work reduced hours, because of sickness or disability financial support is available. You might be able to claim Statutory Sick Pay , paid by your employer. If this has run out, or you cant claim it, you might be able to claim Employment and Support Allowance , Personal Independence Payment , Universal Credit, and other benefits.
Whats in this guide
Can I Get Free Prescriptions
Medical prescriptions are free in Northern Ireland, Scotland and Wales. They are also free for people in England who meet certain criteria, including people who are:
- under 16 or over 60
- receiving Income Support, JSA, ESA or Universal Credit
- 16-18 and in full-time education
- and/or have certain health conditions, including a continuing disability or diabetes that can’t be controlled with diet.
Find out more about getting help with prescription costs.
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If You Earn Money From Work
The DWP dont take any money off your ESA if both of the following apply:
- you earn £143 or less each week
- you work less than 16 hours each week on average
This is called ‘permitted work’.
- Housing Benefit or Discretionary Housing Payments
- Child Tax Credits or Child Benefit
If you get other benefits, contact your nearest Citizens Advice to check if your benefits affect your ESA.
Help With Housing Costs
Housing payments are part of Universal Credit, and help you pay your rent if you are on a low income. Find out more about Universal Credit housing payments.
You can get help with housing costs whether you are employed or unemployed. Your savings must be under £16,000.
Theres no set amount for the housing payment. How much you get depends on how many bedrooms your home has and who you rent from, as well as your income and other circumstances.
Universal Credit and Housing Benefit wont normally pay for any spare bedrooms. This rule has different names in local areas including under-occupancy rules, Housing Benefit size restrictions or a spare room subsidy.
Adult couples are expected to share a bedroom. If you have two children of the same sex under the age of 16 or two children under the age of 10, regardless of their sex, they will be expected to share a bedroom.
There are some exceptions to these rules. If you have a disability and regularly need a carer to stay overnight, for example, or if your child has a disability that means they cant share a bedroom.
How do I claim Housing Benefit?
Most housing claims are part of a Universal Credit claim. You can still claim Housing Benefit separately in certain circumstances, including being entitled to the Severe Disability Premium, or being over State Pension age.
Support for mortgage interest
How do I claim SMI?
Council Tax Reduction
How do I apply for a Council Tax Reduction?
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Personal Independence Payment And Other Disability Benefit
Personal Independence Payment is paid if you find it difficult to carry out daily tasks or get about.
Its not means-tested, which means you could get it regardless of how much income or savings you have.
To qualify for it you must:
- be aged between 16 and state pension age
- have had these difficulties for three months and expect them to last for at least another nine months .
PIP is replacing Disability Living Allowance for adults. If youre making a new claim, youll be asked to claim PIP.
Disability Living Allowance For Adults
Disability Living Allowance for adults was a benefit for people aged under 65 who had problems:
- moving around outdoors safely
- looking after themselves.
DLA for adults has now been replaced by Personal Independence Payment . If you live in England, Scotland or Wales and claimed before June 2013, you may still be getting DLA for adults.
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Cancer And Financial Help
A cancer diagnosis can change your financial situation. It may mean you need to stop working, or work less. It can also mean spending more money on things like hospital parking. But depending on your situation, you may be able to get benefits or other financial support.
The benefits and tax rates in this information apply from April 2021 to April 2022.
Related Stories & Media
Benefits are payments from the government to people who need financial help. When you are affected by cancer, you may be able to get benefits to:
- help with extra costs
- support you if you need to stop working.
The benefits system can be hard to understand. We have information to help you get the support you need.
What Were Fighting For During The Coronavirus Crisis
Were supporting and sticking up for people with Parkinsons.
Health, social care, and benefits must meet your needs. Right now, its clear that not everyones needs are being met. So, we’re listening to your concerns and experiences, and we’re talking to the relevant governments and organisations. We demand they take action, to make sure youre treated fairly.
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Benefits If You Care For Someone Who Has An Illness Or Disability
If you spend at least 35 hours a week caring for someone, you may be able to receive Carers Allowance. The weekly rate is £67.60.
You dont have to be related to or live with the person you care for to claim, but you must be over the age of 16 and the person you care for has to be receiving AA, DLA or PIP.
Carers Allowance is means-tested. You can only claim if you earn less than £128 a week from paid work, after tax and your expenses for caring have been taken off.
There are other reasons you cant claim, including being in full-time education. Claiming Carers Allowance can affect other benefits that you or the person you care for receive.
The rules are different in Northern Ireland. Visit the nidirect’s carers’ allowance page to find out more.
How do I claim Carers Allowance?
If you live in England, Scotland or Wales, apply online at gov.uk/carers-allowance.
If you live in Northern Ireland, apply online at nidirect.gov.uk/articles/carers-allowance or ask for a form at your local Jobs and Benefits office.
Disability Living Allowance for children
You can only claim Disability Living Allowance on behalf of someone who is under the age of 16, known as DLA for children. Anyone over the age of 16 must apply for PIP. See the Personal Independence Payment section for more information.
The care component is paid at three different weekly rates and depends on the level of care that your child needs:
- Higher rate £89.60.
- Middle rate £60.00.
- Lower rate £23.70.
If You’re Terminally Ill
If your doctor doesnt expect you to live more than 6 months, the DWP should put you in the support group when you first claim. This means youll get £114.10 each week straight away.
If the DWP dont put you in the support group you can challenge the DWPs decision.
If youre terminally ill but your doctor expects you to live more than 6 months, you should talk to an adviser.
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How Much Is It Worth
There are two different rates for each component of PIP. You may be able to receive one or both components.
Daily Living Component weekly rate
|If you have a limited ability to carry out daily living activities||Standard rate – £60.00|
|If you have severely limited mobility||Enhanced rate – £62.55|
If you receive the enhanced rate mobility component of PIP, you may be able to exchange it to hire or buy a car, scooter or powered wheelchair through the Motability scheme.
You dont have to spend your PIP on care its up to you how you spend the money. Claiming PIP wont reduce the amount you receive from other benefits.
Who Can Claim Pip
To claim PIP, you must be 16 or over and have not yet reached State Pension age.
You can claim whether you are working or not, and its paid regardless of whether you have savings.
To qualify for PIP, you must also:
- have a long-term health condition or disability that causes difficulties with activities related to daily living or mobility, or both
- have had difficulties caused by ill health or disability for three months and expect them to last for at least nine months, unless youre terminally ill with less than six months to live
- meet certain qualifying residency requirements.
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Disability Rights Uk Factsheet F35
This factsheet is about work you may do, including voluntary work, while claiming health or disability-related benefits.
If you are thinking of starting paid work of 16 hours or more a week, you should seek advice about benefit entitlement from an advice agency. You could ask for a better-off calculation to find out if you will be financially better off in work and identify the benefits you should be applying for.
1 Disability benefits
Disability living allowance , personal independence payment and attendance allowance are payable whether or not you are working. They are not means tested, so earnings do not affect the amount of your benefit.
Starting a job may suggest that your care or mobility needs have changed, so your benefit entitlement could be reconsidered. It is possible that your care needs may actually increase if you move into work. The Department for Work and Pensions views starting or leaving work as a potential change of circumstances for DLA and PIP.
2 Work and universal credit
There is no permitted work for universal credit. Instead, you will be encouraged to do some work, even if only for a few hours a week, if you can manage it. There is no time limit to how many weeks you can work.
Some of your earnings may be disregarded by applying a work allowance. This will apply if you or your partner have a limited capability for work. This is determined by a work capability assessment.
3 Permitted work for employment and support allowance
Other allowed work
Take Money Off If You Have Savings Or You Own Property
The DWP might take money off your income-related ESA it depends on the amount of savings you have. If you live with a partner, it also depends on their savings.
Add together your and your partners savings, including investments.
Also add on the value of any property you own but not the home you live in.
You dont have to include the value of property you own for up to 6 months if:
- youre planning to move in
- you left there because of a breakup
- youre trying to sell it
Jsa And Low Income Benefits
Find out how to claim JSA and Low Income Benefits in United Kingdom. This informative section includes expert help and advice on how to get:
- Income Support
- Jobseeker’s Allowance
- Pension Credit
Note: One of the most visited pages is the ultimate guide to budgeting loans with essential guidance for people who need crisis assistance from the Social Fund.
Budgeting Loans And Advances
This is a Government scheme providing interest-free loans to help if you need essential items for your home or other things that you cannot pay for in a lump sum, such as clothes and furnishings.
You can only apply if you’ve been on an income-based benefit for at least six months. Demand can be high, so there isn’t a bottomless pit of money.
Savings over £1,000 will affect any payments. The money needs to be paid back within two years, usually directly from your benefits. Repayments range from 5%-20% of your available income depending on your circumstances.
If you’re claiming universal credit, you’ll have to apply for an advance rather than a budgeting loan. The maximum you can get is the amount of your first estimated payment.
2021/22 amount: You can apply to borrow from £100 to £812 depending on your circumstances, the urgency of your situation and funds available in your region.
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What You Can Get
We pay up to a maximum of $66.11 a week for Disability Allowance and it’s not taxed. How much you get depends on the extra costs you have because of your disability.
The Disability Allowance is usually paid straight into your bank account with your main benefit or pension .
The Disability Allowance can help pay for a number of things – as long as your health practitioner tells us you need them because of your disability. Here are some of the things we may be able to help with, and the sorts of proof we need to see – so keep all your receipts.
|Some of the extra costs we may be able to help with…||We’ll need to see…|
|Doctor’s, specialist’s and hospital fees that aren’t already subsidised||Receipts or invoices showing the date, cost and reason for your visit|
|Prescription fees||Receipts or print-outs from your chemist showing the date, cost, the item you received and whether it’s subsidised|
|Travel to your doctor, specialist, hospital or counsellor||Tickets or receipts showing the date, cost and how you travelled|
|Heating||Your summer and winter electricity bills|
|Medical alarm rental and monitoring|
The Disability Allowance – Medical Assessment for Medical Alarm form completed by a health practitioner, and the contract or receipt for the installation/rental of the medical alarm.
Benefits For Autistic Children
There are a range of benefits available to families with children, and some benefits which are paid for children with disabilities in particular. This information is for parents of children aged under 16.
We also have information about benefits for autistic adults, and information about benefits for young autistic people .
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How Your Ssdi Payments Are Calculated
The severity of your disability will not affect the amount of SSDI benefits you receive. The Social Security Administration will determine your payment based on your lifetime average earnings before you became disabled. Your benefit amount will be calculated using your covered earnings. These are your earnings at jobs where your employer took money out of your wages for Social Security or FICA.
Your SSDI monthly benefit will be based on your average covered earnings over a period of time, which is referred to as your average indexed monthly earnings . The SSA uses these amounts in a formula to determine your primary insurance amount . This is the basic amount used to establish your benefit.
SSDI payments range on average between $800 and $1,800 per month. The maximum benefit you could receive in 2020 is $3,011 per month. The SSA has an online benefits calculator that you can use to obtain an estimate of your monthly benefits.
Support For Those Who Are Ill Disabled Or Elderly
There are a few specific benefits to help those who are ill, disabled or elderly. They can be claimed on top of some of the benefits above. The main ones are the state pension – for those who have hit state pension age having built up National Insurance credits – and the personal independence payment, which is available for those aged 16 to 64 and have a health condition or disability that affects their daily life or makes it hard to move around.
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