Q: I’ve recently had to stop work due to a back injury and I’m worried about how I’m going to cope with the drop in income. I’m not sure what benefits I can get – where should I start?
A : Lots of people miss out on benefits they’re entitled to, so it’s worth checking. Claiming benefits can also mean gaining access to other financial help like cost of living payments and discounts on energy and transport.
To get started, you can use an online benefits calculator. You’ll need information about your savings, income, pension, childcare payments and any existing benefits for you and your partner, if you have one. You can use the Entitledto benefits calculator or check out the Policy in Practice version for a detailed overview. The Turn2us online tool can provide a quick idea of what benefits and other financial help you might be eligible for.
If you are still employed, you may be entitled to either contractual or statutory sick pay. If your sick pay has ceased, your medical condition makes it difficult to work, and you meet the National Insurance requirements, you may be entitled to the new-style Employment and Support Allowance (ESA), which is not means-tested.
The main means-tested benefit available for most people of working age is Universal Credit. You should check if you can get Universal Credit if you have less than £16,000 in savings or other investments.
If you’re finding it difficult to work because of your injury, you might get more UC or not have to look for work. You’ll need to inform the Department for Work and Pensions that you have a health condition when you claim UC and, if possible, submit a fit note.
You might be entitled to other benefits depending on your situation, like your age, if you’re disabled or if you have a child. Some people are able to claim more than one benefit – for example, disability benefits such as Personal Independence Payment (if you’re under pension age) or Attendance Allowance (if you’re over pension age). These disability benefits aren’t means-tested and can often be claimed in addition to other benefits like Universal Credit. Take a look at our website for more details.
If you pay council tax, you might be able to get a reduction in your bill. If you are struggling to pay your utility bills, your first port of call should be your energy or water provider. You might also be able to get extra money from the government, your local council or a charity. Find out more about the support you can get with the cost of living.
If you are still struggling, contact your local Citizens Advice, where an adviser will be able to help you to find a way forward.
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