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Find the benefits and financial support you are entitled to

Millions of people in the UK miss out on benefits they are entitled to every year. Whether you need help with living costs, a disability, caring responsibilities, or housing, this hub covers every major benefit, how to apply, what to do if you are refused, and how to appeal.

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Universal Credit

How UC works, eligibility, how to claim, and what to expect during your assessment period.

Personal Independence Payment (PIP)

Claiming PIP for a long-term health condition or disability affecting daily living or mobility.

Attendance Allowance

Help with personal care costs for people aged 65 and over with a disability or illness.

Carer's Allowance

Financial support for people who provide at least 35 hours of care per week to someone with a disability.

State Pension

How the new State Pension works, qualifying years, deferral, and how to claim.

Housing Benefit

Help paying rent for people on a low income — who can still claim and how it interacts with Universal Credit.

Cost of Living Support

Payments, discounts, and schemes available to help with energy, food, and daily living costs.

Benefit Sanctions

What sanctions are, why they happen, how long they last, and how to challenge one.

Mandatory Reconsideration

The first step to challenging a benefit decision before going to a tribunal.

Benefit Overpayments

What to do if the DWP says you have been overpaid and how to dispute the amount.

Disability Benefits Overview

An overview of all disability-related benefits and entitlements in the UK.

Council Tax Support

How to reduce your council tax bill if you are on a low income or receive certain benefits.

Free School Meals & Education Support

Eligibility for free school meals and other education support payments for families.

Benefit Appeals

How to appeal a benefit decision at tribunal, including what evidence to bring and what to expect.

Change of Circumstances

When and how to report a change in your situation to avoid overpayments or benefit suspension.

Disability Evidence for Benefit Claims

How to gather and present medical evidence to support a PIP, ESA, or UC health assessment.

Benefit Overpayment Letters

What to do when you receive a letter saying you have been overpaid and how to dispute it.

Support While Waiting for Benefits

Emergency financial help and hardship payments available while your benefit claim is being processed.

Budgeting Support

Free budgeting help, debt advice, and financial capability services available to benefits claimants.

Benefit Review

What happens when the DWP reviews your benefit claim and how to prepare for a reassessment.

Benefits When You Cannot Work

Overview of financial support available if a health condition or disability prevents you from working.

Pension Credit

Pension Credit tops up your income if you are over State Pension age and on a low income.

Child Benefit

Who can claim Child Benefit, the High Income Child Benefit Charge, and how to make a claim.

Bereavement Support Payment

A benefit for people whose spouse or civil partner has died, paid as a lump sum and monthly instalments.

Industrial Injuries Disablement Benefit

Compensation for disability caused by a workplace accident or prescribed industrial disease.

Employment and Support Allowance (ESA)

ESA for people who cannot work due to illness or disability, including legacy and new-style ESA.

Jobseeker's Allowance (JSA)

New-style JSA for recently unemployed people who have paid enough National Insurance contributions.

Universal Credit for the Self-Employed

How Universal Credit works if you are self-employed, including the minimum income floor.

Universal Credit Housing Costs

The housing element of Universal Credit, how it is calculated, and what it can and cannot cover.

Benefit Cap

The limit on total benefits a household can receive and which benefits and households are exempt.

Two-Child Limit

The restriction on Child Tax Credit and Universal Credit child element to the first two children.

Discretionary Housing Payments

Extra help with rent from your local council when Housing Benefit or UC does not cover the full cost.

Warm Home Discount

A one-off electricity bill discount for eligible low-income and vulnerable households each winter.

Winter Fuel Payment

An annual tax-free payment to help older people with heating costs, and who is now eligible.

Healthy Start Vouchers

Vouchers for pregnant women and families with young children on low incomes to buy food and milk.

Best Start Grant

Payments to help families on qualifying benefits with the costs of having a baby in Scotland.

Benefits for Carers

Financial support and benefit entitlements specifically for people providing unpaid care to others.

Disability Living Allowance for Children

DLA for children under 16 with disabilities or health conditions.

Maternity Benefits

Statutory Maternity Pay, Maternity Allowance, and Sure Start Maternity Grant.

Funeral Expenses Payment

Help with funeral costs if you are on qualifying benefits.

Council Tax Enforcement

What happens if you cannot pay council tax, including bailiff visits.

Frequently asked questions

How do I know which benefits I am entitled to?
The quickest way is to use a free benefits calculator such as the one on Turn2us, Entitledto, or the Policy in Practice Better Off Calculator. These tools ask about your income, savings, household, and health to estimate which benefits you can claim and how much. Citizens Advice can also help if you prefer to speak to someone.
Will claiming benefits affect my credit score?
No. Claiming benefits does not appear on your credit file and has no direct effect on your credit score. Lenders cannot see whether you receive benefits through a credit check, though your income level (including benefit income) may affect a lender's affordability assessment.
Can I claim benefits if I am working?
Yes. Many benefits are available to people in work on low incomes, including Universal Credit, Council Tax Support, and free school meals. Universal Credit in particular is designed to top up wages, and the amount you receive tapers as your earnings increase rather than stopping abruptly.
What happens if my benefit claim is refused?
You have the right to challenge almost every benefit decision. The first step is to request a Mandatory Reconsideration — you ask the DWP to look at the decision again. If the outcome is still unfavourable, you can appeal to the independent Social Security and Child Support Tribunal, which is free to use.
How long does a Universal Credit claim take?
Universal Credit has a standard five-week wait before the first payment. This covers an assessment period of one calendar month plus up to seven days for payment processing. If you cannot afford to wait, you can request an Advance Payment of up to 100% of your estimated award, which you repay from future payments.

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Disclaimer

This information is for general guidance only and does not constitute legal, financial, or professional advice. Always check official sources and seek qualified help where needed.