An illness or disability can mean you have a lot to deal with on a day-to-day basis. What extra steps you might need to take to manage your finances successfully may be the last thing on your mind – or it could be keeping you awake at night.
Whatever the case, there’s lots of help and advice available – from us, from the government and local authorities, and from other organisations.
We can help – if you’d like us to
It can be hard to know where to turn when you have money worries, but the sooner you let us know if there’s a problem, the sooner we can help – and calling us won’t ever make anything worse.
You may not want to tell us about your health – and that’s obviously fine. We’re not here to give medical advice and we won’t try to do so.
Rest assured, we’ll always let you know what we’ll do with any information you give us about your health and we’ll only ever use it to help you. And, of course, anything you tell us is always confidential.
You’ll find much more information about the help available to you if you have an illness or disability, and about how we helped one of our customers manage her financial difficulties, on our ‘Living with illness’ page.
What other help is available?
Whatever your personal circumstances and health condition, you can be sure that there’s help available – whether it’s with money or just practical advice. Let’s take a look at some of the main options.
Can I get help if I’m a carer?
You may not think of yourself as a carer, but it’s a term that applies to anyone who looks after someone with an illness or disability.
Putting someone’s needs before your own can have an impact on your own wellbeing and finances, but lots of help, support and advice is available. A good place to start is the NHS Social care and support guide, where you can read more about the help you can get.
Carers are also eligible for financial support through State Benefits and you’ll find more information about those at the GOV.UK Carers and disability benefits page.
What financial support is available?
If illness or a disability affects your financial circumstances – perhaps you need to take time off work or give up work altogether – then there’s a range of State Benefits and charitable grants you may be eligible for.
You’ll find a full list of benefits and details of how to apply at the GOV.UK website. The GOV.UK’s benefits calculators also help you work out which you’re eligible for, based on your savings and income.
Here’s a summary of the main State Benefits that are available when you have an illness or disability, along with some other types of support you may find useful.