People across the UK could be missing out on financial support simply because they don't realise they're eligible to claim it. Whether you're working, retired, caring for a loved one or raising a family, there are a range of benefits and support schemes available that could help with everyday living costs.
Many people assume they won't qualify, but eligibility often depends on more than just your income. Joe Lytwyn, a personal finance expert at thimbl.com, says: "Many people assume they won't qualify for financial support, so they never check what's available.
However, eligibility often depends on a range of factors, including your household income, savings, age, health and family circumstances." And he warned people not to miss out because they have been rejected previously.
Check again if you've been turned down
He said: "Even if you've been turned down in the past, your circumstances may have changed. Taking just a few minutes to check what you're entitled to could make a significant difference to your finances."
Universal Credit is designed to help people on a low income or who are out of work. You don't have to be unemployed to qualify, as many people who work are still eligible depending on their earnings and circumstances.
Pension Credit provides extra income for people over State Pension age on lower incomes. It can also unlock additional support, including help with housing costs and Council Tax, depending on your circumstances.
Other benefits and support available
If you're on a low income or claiming certain benefits, you may qualify for help reducing your Council Tax bill. The scheme is administered by local councils, so eligibility rules can vary.
People who spend at least 35 hours a week caring for someone may be eligible for Carer's Allowance if they meet the qualifying criteria. Attendance Allowance helps people over State Pension age who have a disability or health condition that means they need help with personal care or supervision.
PIP helps people with a long-term illness or disability meet the additional costs associated with their condition. Eligibility is based on how your condition affects your daily life rather than the condition itself.
Help with food, heating and housing
Eligible pregnant women and families with young children may receive a prepaid card to help buy healthy food and milk, as well as free Healthy Start vitamins. Many families qualify for free school meals but may not realise they meet the income requirements. Eligibility rules vary across the UK, so it's worth checking with your local authority.
The Warm Home Discount Scheme provides eligible households with a discount on their electricity bill during winter. Eligibility depends on your circumstances and energy supplier. If you're renting your home or have housing costs, you could be entitled to help through Universal Credit or Housing Benefit, depending on your circumstances.
If you're unsure whether you qualify for any financial support, you can use the Government's benefits checker to explore what help may be available based on your personal circumstances. It's also worth reviewing your eligibility if your circumstances have changed recently, such as starting a new job, retiring, moving home, becoming a carer or having a child.
