If you can’t work, or work reduced hours, because of sickness or disability – financial support is available. 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, you might be able to claim Employment and Support Allowance (ESA), Personal Independence Payment (PIP), Universal Credit, and other benefits.
What’s in this guide
- What disability and sickness benefits can I claim?
- Personal Independence Payment (PIP) and other disability benefits
- Disability Living Allowance (DLA)
- Attendance Allowance
- Help with housing costs
- Other benefits you might be entitled to
- If you’ve got income or savings
- Benefits for carers
- Help with getting about – Motability and Blue Badge Schemes
- Help and advice with sickness and disability benefits
- Appointing someone to deal with your sickness and disability benefit claim for you
- Help with NHS health costs
What disability and sickness benefits can I claim?
Statutory Sick Pay
You might be able to claim Statutory Sick Pay of £109.40 a week (2023/24) for up to 28 weeks if:
- you’re employed, but not able to work
- your average earnings for the two months before you stopped working were at least £123 a week.
Find out whether you qualify and how to claim for statutory sick pay at GOV.UK (Opens in a new window)
New-style Employment and Support Allowance (ESA)
If your Statutory Sick Pay has run out, or you don’t qualify for it, (for example, because you're self-employed) you might be able to get New Style Employment and Support Allowance (ESA).
This is paid if you can’t work or can only work a few hours a week because of sickness or disability. To qualify, you need to have been paying National Insurance contributions for the past two to three years.
Find out whether you qualify, and how to claim, New Style ESA in our guide Employment and Support Allowance
Universal Credit
If you don’t qualify for Statutory Sick Pay or New Style Employment and Support Allowance, you might be able to claim Universal Credit.
You can also claim Universal Credit alongside Statutory Sick Pay or New Style Employment and Support Allowance. You might end up getting more money if you claim both, particularly if you pay rent or have children to support.
Universal Credit is replacing other benefits, including income-related Employment and Support Allowance, Income Support, Housing Benefit and tax credits. You can no longer make a new claim for them
If you're already getting any of these benefits and need to claim Universal Credit because of sickness or disability, these benefits will stop and any support you need for extra costs, such as housing or bringing up children will be paid as part of Universal Credit instead.
Find out more in our guide Universal Credit for sick and disabled people
Personal Independence Payment (PIP) and other disability benefits
Personal Independence Payment (PIP) is paid if you find it difficult to carry out daily tasks or get about.
It’s 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 (unless you’re terminally ill).
PIP is replacing Disability Living Allowance (DLA) for adults. If you’re making a new claim in England, Wales or Northern Ireland, you’ll be asked to claim PIP. In Scotland PIP has been replaced by the Adult Disability Payment (ADP).
If you’re already claiming PIP or DLA in Scotland, Social Security Scotland will contact you about moving to ADP when it’s time to move to ADP. You can't claim ADP and PIP or DLA at the same time. You can check your eligibility for ADP on mygov.scotOpens in a new window
If you need to make a new claim for ADP, you can find out how to apply online or over the phone on mygov.scotOpens in a new window
How much is PIP and ADP?
You could get between £26.90 and £172.75 a week (2023/24), depending on how severely your condition affects you.
Find out more in our guide Personal Independence Payment – an introduction
Disability Living Allowance (DLA)
You can only make a new claim for Disability Living Allowance (DLA) for children under 16.
It’s not means-tested, which means you could get it regardless of how much income or savings you have.
How much is DLA?
Your child could get between £26.90 and £172.75 a week (2023/24), depending on how severely their condition affects them.
Find out more in guide Disability benefits and entitlement for children
Attendance Allowance
You might qualify for Attendance Allowance if:
- you need help with personal care
- you need supervision to keep you safe
- you’re at State Pension age or over and haven’t previously claimed DLA/PIP.
Find out more about Attendance Allowance in our guide Benefits to help with your disability or care needs
Help with housing costs
If you’re renting
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.
Find out more in our guide Universal Credit and paying rent
If you’ve reached State Pension age, or you’re getting the severe disability premium, you might still be able to put in a new clam for Housing Benefit.
Find out more about Housing Benefit at GOV.UK (Opens in a new window)
If you’re a homeowner
You might get help towards interest payments on your mortgage. This is called Support for Mortgage Interest (SMI).
SMI is usually paid directly to the lender 13 weeks after you first apply for this benefit. If you're claiming Pension Credit you can qualify for SMI straightaway.
It’s paid as a loan. You’ll have to pay this back either when you sell your house, or voluntarily when you’re able to – for example, when you return to work.
Find out more in our guide Support for Mortgage Interest (SMI)
Help with Council Tax
If you’re on a low income or you or someone you live with is disabled you might be able to get help with Council Tax or Rates payments.
If you need a larger or adapted property because of a disability you or someone you live with has, you might be entitled to pay less Council Tax or Rates. In England, Scotland and Wales, you might be able to pay Council Tax for a lower band than the property you live in. For example, if you live in a Band B property because need the space to get around in your wheelchair, you might only need to pay Band A Council Tax.
In Northern Ireland you can get a 25% discount on your Rates if your home has been adapted to meet the needs of a disabled person.
People with severe mental impairments can be exempt from paying Council Tax. If you live alone with someone who is exempt from paying Council Tax then you’d be able to claim a single person discount on your Council Tax in England, Scotland and Wales.
Each local council has their own Council Tax Reduction scheme, so the help you get depends on where you live.
England and Wales
Contact your local council to find out more about their Council Tax Reduction scheme.
Scotland
Contact your local authority to find out about their Council Tax Reduction scheme.
Northern Ireland
You’ll need to claim Rate Relief instead.
Other benefits you might be entitled to
Industrial Injuries Disablement Benefit
If your disability or illness was caused at work, you might be able to claim Industrial Injuries Disablement Benefit.
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 at GOV.UK (Opens in a new window)
State Pension and Pension Credit
If you’ve reached State Pension age, you’ll 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.
However, if you’re in a couple and only one of you is over State Pension age, you’ll have to claim Universal Credit instead of Pension Credit until you both reach State Pension age.
If you’ve got income or savings
Benefits that help you with the extra care needs of being sick or disabled aren’t means-tested. These include Personal Independence Payment (PIP) and Attendance Allowance This means they’re not affected by your income and savings.
Other benefits, such as Universal Credit and Pension Credit, are affected by your income and savings – and your partner or spouse’s too.
Find out more in our guide How do savings and lump sum payouts affect benefits
Even if you have income and/or savings, it’s worth getting a benefits check to find out what you might be entitled to.
Find out more about claiming sickness and disability benefits at Turn2us (Opens in a new window)
Find out more about how income and savings affect benefits at 'entitledto' (Opens in a new window)
Benefits for carers
If a friend or family member cares for you, there’s also support available for them.
Find out more in our guide Benefits and tax credits you can claim as a carer
Help with getting about – Motability and Blue Badge Schemes
Motability Scheme
Who is it for?
People who get the higher rate mobility element of Disability Living Allowance or Personal Independence Payment. The scheme can provide a car, motorised wheelchair or scooter.
How to claim
Call Motability on 0300 456 4566
Blue Badge Scheme
Who is it for?
The Blue Badge scheme helps people 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 for the blue badge at GOV.UK (Opens in a new window) or contact your local council.
Help and advice with sickness and disability benefits
There’s plenty of free help available if you’re unsure about what benefits you’re 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.
Appointing 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.
Help with NHS health costs
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
- help with travel costs to hospital appointments.