Reaching later life often brings health challenges that can make everyday activities difficult. For those over State Pension age in the UK, managing these needs can be a financial worry. However, significant help is available through a range of Department for Work and Pensions (DWP) benefits designed to assist with care costs.
Key Benefits for Daily Living Support
According to guidance highlighted by the NHS, several non-means-tested payments can provide crucial financial assistance. The central support for many is Attendance Allowance. This benefit is for individuals over State Pension age who have a physical or mental disability severe enough to require help with personal care or supervision.
To qualify, you must have needed help for at least six months, unless you are terminally ill. The benefit is paid at two rates: a lower rate for those needing help either during the day or at night, and a higher rate for those requiring help both day and night. It is important to note that you cannot usually claim if you live in a care home where your local authority funds the care.
Work-Related and Additional Allowances
For those whose condition stems from their employment, Industrial Injuries Disablement Benefit offers a weekly payment. You may be eligible if you became disabled due to an accident at work or developed a prescribed disease caused by your job. The amount depends on your individual circumstances, but self-employed individuals at the time of the accident are not eligible.
If you receive either Industrial Injuries Disablement Benefit or a War Disablement Pension and need daily care, you may also qualify for Constant Attendance Allowance. This is an additional payment based on the level of your disability and care required. Recipients of this allowance cannot also claim standard Attendance Allowance.
Broader Financial Support and Help for Carers
Claiming a disability benefit like Attendance Allowance can act as a gateway to increased amounts of other support. It may help you qualify for extra Pension Credit, Housing Benefit, or a Council Tax Reduction. Other forms of assistance include help with NHS health costs, Cold Weather Payments, and the annual Winter Fuel Payment.
Furthermore, if you receive a qualifying disability benefit and have someone who cares for you for at least 35 hours a week, that person might be able to claim Carer's Allowance. This provides financial recognition for their vital role.
For personalised advice and help with claim forms, organisations like Age UK (0800 678 1602), Independent Age (0800 319 6789), and Citizens Advice (0800 144 8848) offer free, confidential support. You can also use online tools like the entitledto website to check your potential eligibility for a range of benefits.
