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      Find out how Universal Credit works and how to manage your payment

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      Understand what support is available for coping with ill health

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    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

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    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Manage and grow your pension

      How much to save for retirement and ways to boost your pension

    • Pensions explained

      How to start a pension, how pensions work and the benefits

    • Pension problems and changes

      How to find lost pensions, sort out problems and complain

    • Pension transfers and consolidation

      How to transfer or combine pensions, and if it’s a good idea

    • State Pension

      How much State Pension you might get and ways to boost it

    • Take your pension

      How and when to take your pension – your options explained

    • Tax and pensions

      How tax relief, tax-free allowances and tax on income works

    • Make the most of your pension

      Understand your pension options and work out your retirement income and costs

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    Get a free Pension Wise appointment

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    Over 50? Get free, impartial guidance from our government-backed service. We’ll explain your options for taking money from your pension pots.

    • How to save

      Getting started, getting the most out of savings, problems

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    Pensions issues? Join our community group

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    Pensions issues? Join our community group

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  • Benefits
  • Everyday money
  • Family & care
  • Homes
  • Money troubles
  • Pensions & retirement
  • Savings
  • Work
    • Universal Credit Find out how Universal Credit works and how to manage your payment
    • Benefits if you have children Entitlements to help with the cost of pregnancy or bringing up children
    • Benefits if you’re sick, disabled or a carer Understand what support is available for coping with ill health
    • Benefits in later life You may be entitled for help with other costs on top of your State Pension
    • Benefits and work Extra support if you’re working, self-employed, or you’ve lost your job
    • Benefits to help with housing costs Support to help with rent or mortgage payments if you’re on a low income
    • Problems with benefits What to do if something goes wrong with your benefits
    • Benefits All Benefits guidance
    Tools

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Banking and payments How to choose, use and manage bank accounts
    • Budgeting How to budget, find the best deals and switch to save money
    • Buying and running a car How to buy and finance a car, deal with problems with car finance, and cut running costs
    • Credit Credit basics, applying for credit, credit ratings and problems with credit
    • Insurance Insurance for cars, health, travel, and help with insurance
    • Everyday money All Everyday money guidance
    Tools

    Tool

    Compare bank accounts

    Tool

    Budget Planner

    Tool

    Your options for borrowing money

    Tool

    What to do when you’ve been refused credit

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Becoming a parent Having a baby, returning to work, childcare costs
    • Death and bereavement Wills, inheritance, sorting out estates
    • Divorce and separation Sorting out money and homes, what if you have children, money after break ups
    • Illness and disability Managing costs, extra financial support, help with work or study
    • Long-term care Paying and getting funding, ways to pay, problems with care
    • Student and graduate money Credit cards, bank accounts, student debts
    • Talk money Difficult conversations, talking to teenagers, older people and partners
    • Family & care All Family & care guidance
    Tools

    Calculator

    Divorce calculator

    Calculator

    Baby costs calculator

    Tool

    Budget Planner

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Mortgages and homebuying Mortgages, help buying, remortgaging, first-time buyers, help and support
    • Renting Help renting a home and dealing with problems
    • Homes All Homes guidance
    Tools

    Calculator

    Stamp Duty calculator

    Calculator

    Mortgage affordability calculator

    Calculator

    Mortgage repayment calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Help with the cost of living Budgeting, paying bills, finding extra financial support, coping with job loss
    • Dealing with debt Bills, court fines, help with debts
    • Money problems and complaints What to do about mis-selling, compensation and complaints
    • Scams Spotting scams and what to do if you’re caught out
    • Money troubles All Money troubles guidance
    Tools

    Tool

    Debt advice locator

    Calculator

    Benefits calculator

    Tool

    Bill prioritiser

    Tool

    What to do when you’ve been refused credit

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Manage and grow your pension How much to save for retirement and ways to boost your pension
    • Pensions explained How to start a pension, how pensions work and the benefits
    • Pension problems and changes How to find lost pensions, sort out problems and complain
    • Pension transfers and consolidation How to transfer or combine pensions, and if it’s a good idea
    • State Pension How much State Pension you might get and ways to boost it
    • Take your pension How and when to take your pension – your options explained
    • Tax and pensions How tax relief, tax-free allowances and tax on income works
    • Make the most of your pension Understand your pension options and work out your retirement income and costs

    All Pensions and Retirement

    Tools

    Appointment

    Get a free Pension Wise appointment

    Calculator

    Pension calculator

    Tool

    Money Midlife MOT

    Tool

    Find out your pension type

    ALL TOOLS

    Book your free Pension Wise appointment

    Over 50? Get free, impartial guidance from our government-backed service. We’ll explain your options for taking money from your pension pots.

    • How to save Getting started, getting the most out of savings, problems
    • Investing How to invest, types of investing, buying and managing
    • Types of savings Help with meeting goals, tax-friendly saving, saving for children
    • Savings All Savings guidance
    Tools

    Calculator

    Savings calculator

    Tool

    Budget Planner

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Employment Basics, benefits, tax and National Insurance
    • Losing your job What to do, alternatives, redundancy pay
    • Self-employment Starting out, insurance, tax, self-assessment
    • Work All Work guidance
    Tools

    Tool

    Budget Planner

    Calculator

    Redundancy pay calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

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  3. Illness and disability
Family & care Illness and disability

Motability, Blue Badge Scheme and discounted travel

Whether you prefer to travel by car or use public transport, as a disabled person you might qualify for a range of schemes. These schemes are designed to help with leasing a vehicle, parking, or offering free or discounted travel on trains, buses and coaches.

What’s in this guide

  • Motability Scheme
  • Blue Badge Scheme
  • Car tax exemption
  • Buses
  • Trains
  • Coaches
  • Community transport
  • Travelling in London

Motability Scheme

The Motability Scheme enables disabled people to lease a new car, mobility scooter or powered wheelchair.

You might qualify to join the Motability Scheme if you get certain disability benefits.

Find out more about the scheme on the MotabilityOpens in a new window site.

Back to top

Blue Badge Scheme

The Blue Badge Scheme provides a range of parking benefits for disabled people who have difficulty walking.

For example, you can park for free in pay-and-display bays and also on double and single yellow lines.

A Blue Badge costs up to £10 in England and Northern Ireland, and up to £20 in Scotland. It’s free in Wales.

To apply for a Blue Badge:

  • in England and Wales, to on GOV.UK
  • in Scotland, go on mygov.scot
  • in Northern Ireland, go on nidirect
Back to top

Car tax exemption

If you’re getting certain disability benefits, you’re exempt from paying Vehicle Excise Duty – car tax or road tax.

If you’re on the Motability Scheme, you don’t need to do anything.

If you own your car, you have to apply for the exemption.

Find out more about vehicle tax exemption on GOV.UKOpens in a new window

Back to top

Buses

Free bus passes

Depending on where in the UK you live, you might be entitled to free or discounted bus travel.

To find out more about:

  • free bus travel for disabled people in England, go on GOV.UK
  • concessionary travel in Scotland, go on Transport Scotland
  • concessionary travel in Wales, go on Transport for Wales
  • free bus travel and concessions in Northern Ireland, go on nidirect
Back to top

Trains

Disabled Persons Railcard

The Disabled Persons Railcard gives you a third off most rail fares.

The discount is for two people – so you can save money for a friend or a carer too.

The railcard costs £20 for one year. You might be able to make a saving equal to this cost after just one journey.

There’s lots of assistance available when travelling by train – including help getting on and off the train and help with luggage – all free of charge.

Find out more on Disabled Persons Railcard

Back to top

Coaches

There’s no national concessions scheme for coach travel.

However, discounted travel is available depending on which coach company you’re using.

National Express

National Express sells a Disabled Coach Card that gives a third off their standard fares.

Find out more on National ExpressOpens in a new window 

City Link (Scotland)

You can get free travel if you use your National Entitlement Card on City Link coaches.

Find out more about applying for a National Entitlement Card on Transport ScotlandOpens in a new window

Goldline (Northern Ireland)

You can get half price travel if you use your SmartPass on Goldline coaches.

Find out more about applying for a SmartPass on nidirectOpens in a new window

Back to top

Community transport

Community transport is usually run by local authorities and can be a good alternative to taxis or public transport. They’re sometimes called Dial-a-Ride or Ring and Ride.

Find your local community transport provider on CTAOpens in a new window

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Travelling in London

Disabled Persons Freedom Pass

A Disabled Persons Freedom Pass will give you:

  • free 24-hour travel across Transport for London’s networks – except for some river boats, which are half price
  • free train travel on the London Overground network – however, you might not be able to travel before 9.30am.

Find out more about applying for a Disabled Persons Freedom Pass on London CouncilsOpens in a new window

London Taxicard Scheme

The London Taxicard Scheme gives subsidised taxis for disabled people who find using public transport difficult.

Find out more about applying for a Taxicard on London CouncilsOpens in a new window

Back to top
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Illness and disability

Extra financial support

  • Funding to adapt your home for accessibility
  • Motability, Blue Badge Scheme and discounted travel
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website

Extra financial support

  • Funding to adapt your home for accessibility
  • Motability, Blue Badge Scheme and discounted travel
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