New figures from the British Chambers of Commerce have laid bare a significant national challenge, revealing that nearly three million people are currently absent from work due to long-term health conditions. This situation, compounded by others who may have lost employment entirely because of illness, creates immense financial pressure for individuals and families across the UK.
Key Financial Support Available from the DWP
Fortunately, the Department for Work and Pensions (DWP) administers several key benefits designed to provide a financial lifeline. These payments are available whether you are employed and off sick, or unemployed due to a health condition. Eligibility varies, but it is possible to claim more than one benefit, potentially boosting your income significantly. Furthermore, with many benefit rates set to increase in April 2026, applying now could mean an additional income boost in just a few months.
Universal Credit: Flexible Monthly Support
Universal Credit is a central monthly payment aimed at helping with living costs. The amount you receive is based on a standard allowance, which can be topped up with additional elements depending on your circumstances.
The current standard monthly allowances are:
- For single claimants under 25: £316.98
- For single claimants aged 25 or over: £400.14
- For a couple where both are under 25: £497.55 (for both)
- For a couple where either partner is 25 or over: £628.10 (for both)
You can find full details and apply for Universal Credit via the official GOV.UK website.
Employment and Support Allowance (ESA): Support to Return to Work
Employment and Support Allowance (ESA) offers financial help for those whose ability to work is limited by sickness or disability, while also providing support to eventually return to work. It can be claimed whether you are out of work, employed, or self-employed.
A key feature of ESA is the assessment rate, paid for up to 13 weeks while your claim is being processed. This provides much-needed cash sooner. The assessment rate is £72.90 per week for those under 25 and £92.05 per week for those aged 25 and over.
Once assessed, claimants are placed into one of two groups:
- Work-related activity group: Can receive up to £92.05 per week.
- Support group (for those unable to work): Can receive up to £140.55 per week.
If the assessment takes longer than 13 weeks, you continue to receive the assessment rate until a final decision is made. Successful claims may be backdated. Applications can be made online via GOV.UK, or by calling the Jobcentre Plus new claims helpline on 0800 055 6688.
Statutory Sick Pay (SSP): Employer-Provided Support
If you are an employee, you may be entitled to Statutory Sick Pay (SSP) from your employer. By law, this is a minimum of £118.75 per week, paid for up to 28 weeks when you are off work sick.
It is crucial to note that SSP is typically not paid for the first three qualifying days of sickness, unless you have received SSP within the last eight weeks. To be eligible, you must be classed as an employee, earn an average of at least £125 per week, and have been ill for more than three consecutive days (including non-working days). Agency workers also have the right to SSP.
To claim, you must inform your employer you are unfit for work, usually within seven days or by their specified deadline. Full guidance on SSP is available on the GOV.UK website.
Navigating long-term sickness is challenging, but understanding the DWP benefits and support available can be the first step towards securing vital financial stability during difficult times.
