A significant number of individuals are currently unable to work due to health conditions, with nearly three million people reported as off work according to the British Chambers of Commerce. This situation often leads to financial difficulties for those affected. Fortunately, a range of benefits provided by the Department for Work and Pensions (DWP) and other sources can offer support during this challenging time.
Many of these benefits are accessible to both employed individuals who are temporarily unable to work due to sickness and those who are unemployed because of a health condition. While eligibility criteria can differ, individuals may qualify for multiple benefits simultaneously, enhancing their financial support. Notably, many of these payments will see increased rates starting in April, meaning that applications submitted now could result in a higher income soon.
Understanding Universal Credit
One of the primary forms of financial assistance is Universal Credit, a monthly payment designed to help with living costs. The amount received can vary based on personal circumstances, with standard allowances currently set as follows:
– If you are single and under 25: £316.98
– If you are single and 25 or over: £400.14
– If you live with a partner and both are under 25: £497.55
– If you live with a partner and one is 25 or over: £628.10
– If you have children, you may receive an additional £339 for your first child and £292.81 for subsequent children. For children with disabilities, support can be as much as £495.87.
Comprehensive details on Universal Credit, including the application process, can be found on the GOV.UK website.
Employment and Support Allowance (ESA)
Another critical benefit is the Employment and Support Allowance (ESA), which provides financial assistance while also aiding individuals in returning to work when they are able. ESA is available whether one is unemployed, employed, or self-employed. Notably, it can deliver funds quickly, offering an assessment rate for up to 13 weeks while a claim is evaluated. This rate is £72.90 weekly for those under 25 and £92.05 for those aged 25 or over.
Individuals in the work-related activity group can receive up to £92.05 weekly, while those in the support group, who are unable to work, can receive up to £140.55 weekly. If the claim takes longer than 13 weeks to process, the assessment rate continues until a decision is made. ESA claims can also be backdated if any payment is owed after this period. Applications for ESA can be initiated on the GOV.UK website, or individuals can contact the Jobcentre Plus new claims helpline at 0800 055 6688 for assistance.
Statutory Sick Pay (SSP)
Statutory Sick Pay (SSP) is another important financial resource. By law, employees are entitled to receive a minimum of £118.75 per week if they are unable to work due to illness for a specified time. Employers are required to provide this payment for up to 28 weeks, ensuring a basic income during periods of sickness.
It is essential to note that SSP is applicable only for the days an employee would typically have worked. The first three working days are generally excluded unless the employee has received sick pay within the past eight weeks, which included a three-day waiting period. To qualify for SSP, individuals must be legally classified as employees, have earned an average of at least £125 per week, and have been ill for more than three consecutive days.
To claim SSP, employees should inform their employer of their inability to work within seven days or according to the employer’s guidelines. Detailed information about statutory sick pay is available on the GOV.UK website.
For those unable to work due to health conditions, these benefits can provide essential financial support. Understanding the available options and eligibility can help individuals navigate this challenging situation and ensure they receive the assistance they need.
