New figures from the British Chambers of Commerce have revealed a stark reality for the UK workforce: nearly three million people are currently off work due to long-term health conditions. For many, illness has led to unemployment and a loss of income, creating significant financial pressure.
Financial Lifelines for the Unwell
Fortunately, the Department for Work and Pensions (DWP) administers several key benefits designed to provide a financial safety net. These payments are available to those who are employed but off sick, or who are unemployed specifically due to illness. Eligibility varies, but it is possible to claim more than one benefit at a time, which can substantially increase your household income.
An added incentive to apply now is the upcoming annual uprating in April. Many benefit rates will increase, meaning a successful application today could lead to an automatic income boost in just a few months.
Universal Credit: Flexible Monthly Support
Universal Credit is a central monthly payment to help 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 is 25 or over: £628.10 (for both)
Full details and the application process can be found on the official GOV.UK website.
Employment and Support Allowance (ESA): Support to Return to Work
ESA offers financial help for living costs 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 is the assessment rate, paid for up to 13 weeks while your claim is being processed, ensuring you get support quickly.
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, you will be placed in one of two groups:
- Work-related activity group: You can receive up to £92.05 per week.
- Support group: For those deemed unable to work, payments can be 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 also be backdated. Applications are primarily 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 have a legal right to Statutory Sick Pay from your employer. The current rate is £118.75 per week, payable for up to 28 weeks of sickness absence.
To qualify, 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). SSP is typically not paid for the first three qualifying days of sickness, unless you have received it within the last eight weeks.
You must inform your employer of your illness, usually within seven days or by their specified deadline. Agency workers also have the right to claim SSP. Full guidance is available on the GOV.UK website.
With millions managing long-term health conditions, understanding and accessing these vital benefits can be the first step towards alleviating financial strain during a difficult period.
