Q: I’ve recently had to give up 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 definitely worth checking what you can get. Claiming benefits can also give you access to other financial help like cost-of-living payments and discounts on energy and transport, which can make a real difference when money is tight.
A good place to start is by using an online benefits calculator. To get the most accurate answer, you’ll need details 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 more detailed overview. The Turn2us online tool can also provide a quick idea of what benefits and other financial help you might be eligible for.
The main benefit for most working-age people is Universal Credit. You should check if you can claim if you’re over 18 and under State Pension age, and if you have less than £16,000 in savings or investments. If your injury makes it difficult to work, you might get more Universal Credit 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, and, if possible, provide a fit note.
You might also be entitled to other benefits depending on your situation, such as your age, whether you’re disabled, or if you have children. 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), Attendance Allowance (if you’re over pension age), Employment and Support Allowance, or help with council tax. If you’re struggling, you may be able to access extra support from your council or charities. If you’re unsure, Citizens Advice offers free support to help you find a way forward.
Citizens Advice helps with a range of issues. For information and self-help guidance, visit citizensadvice.org.uk. To speak to a local adviser in the Stroud and Cotswold Districts, visit citizensadvice-stroudandcotswold.org.uk to complete our webform or call us on 0808 800 0510
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