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Increasing My Income and Saving: What Are My Benefits?

Individuals in the UK who are incapable to work or those who have low income are entitled to the benefits provided by the government.

The following circumstances, claiming for benefits can help you gain extra money for your essential expenses, such as food, clothing, and shelter:

  1. Your income is low
  2. You’re disabled or sick
  3. You are unemployed
  4. You have dependents or children

If you’re financially grappling, it’s essential to secure all the benefits you’re qualified to receive. The additional money you can claim from your benefits can make a great variance to your circumstances. If you believe you might be qualified to receive a privilege, you should apply for the benefits to claim it.


Financial Help To Cushion the Impact Of COVID-19 Pandemic

Several measures are considered to assist individuals who are coping with the effects of COVID-19 or Coronavirus Pandemic to their finances. These include payment breaks on mortgage and payment holidays for some unsecured debts and moratorium extension for residents in Scotland.

You may also read our guide: Financial Help Available During Coronavirus Pandemic and Payments for Car Loans and Finance During Coronavirus Outbreak.


The Type Of Benefits You Can Claim 

Though it might rare for some areas to adopt Universal Credit, the residents can still apply for some other benefits that they can qualify. All of these will be discussed in the following sections.

The following are the benefits that the government provides for the UK residents.

  • Universal Credit

Most people throughout the UK can claim for a Universal Credit, which is a standard benefit. It consolidates various preceding benefits into one recurrent payment every month and seldom divided into two subsidies for people living in Scotland. It incorporates all of the conditions enumerated above as to can claim.

Moreover, you’ll be instructed to utilize for Universal Credit when making an application. So, if you seek to qualify for some benefits as UK residents, this is liklely the offer that you will get. This happens if your local government considers Universal Credit as the standard benefits method.

Universal Credit Updates:

The maximum deduction on your Universal Credit will reduce from 40% – 30%. This happens if your money comes from Universal Credit payments. The deductions can be done from a person’s Universal Credit entitlement. The grounds are under multiple speculations, such as collecting money for arrears like fuel or rent. However, the resolution doesn’t harm claimants who simply reimburse their advance payment, as the repayment threshold will continue at about 15%.

In addition, on the 16th of October, employed parents or guardians will be supplied an extra month to claim back around 85% of the money they’ve contributed to child maintenance. The term deadline before was within one month.

  • Jobseeker’s Allowance (JSA)

You can complete an online form on the gov.uk website to apply for JSA. You must give details regarding your living condition. Apart of it, you should supplement a national insurance or NI number. You need to provide this and a telephone number where they can call you. While for individuals living in Northern Ireland, JSA application can be done online through NI Direct

  • Income Support

To apply, simply check the gov.uk website or NI Direct website if you reside in Northern Ireland. These websites will give you details on how to contact and apply for Income Support.

To see how to appeal for ESA / PIP via telephone, visit the  gov.uk website. Also, you can complete print out the ESA1 form and forward it, if not you can bring it to the local Jobcentre Plus office.

  • Working and Child Tax Credit

If you wish to request a Tax Credits claim, you may visit the gov.uk online tool or contact the Tax Credits Office. Usually, it takes two weeks for you to receive the form. 

Additional Update:

Temporary Change in Bailiff Rules due to COVID-19 Pandemic as of April 2020

Do not worry when bailiffs stopsat your door. Besides, if you seek for ways to deal with your debt we recommend reading: Financial help during the coronavirus lockdown

During the COVID-19 or coronavirus lockdown, bailiffs are prohibited to come to your home. However, they can still reach you through a phone call or email. The majority of sheriff officer firms in Scotland stops home visits during the lockdown. People are being notified either by letter or phone call.

Available Help Even You’re on Benefits

Generally, it’s best to seek DEBT ADVICE. Our team of debt experts can help you get back on your feet by putting a debt management plan together. No matter what circumstances you’re facing now, we are happy to help. You can also use our online advice tool for free.

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