Being ill or having an injury that affects you for any length of time can have a big impact on you financially.
The following information might be helpful if your situation has changed because of illness or injury:
Use our online benefit checker to see if there are any additional benefits you can claim. Along with illness related benefits such as statutory sick pay, you may be entitled to money to help pay your rent or council tax.
Disability Living Allowance
If your condition is long-term, you may want to consider an application for Personal Independence Payment. You can make a claim by speaking to the Department for Work and Pensions.
Government mortgage schemes
If you’re a homeowner, you might be able to apply for help with your mortgage payments. Read our information on government mortgage schemes for details on whether you can apply.
Payment protection insurance (PPI)
If you’ve paid for payment protection for any of your debts, check if you can claim on them. Usually this insurance will pay your normal monthly payment for you.
If you would like some advice when it comes to your financial situation, we are happy to help.
Although a baby is a welcome arrival, it can put a financial strain on your family.
Maternity can lead to debt problems, whether it’s because your income is reduced or simply the cost of another mouth to feed. But our debt advice can help you work out a way to manage your household costs and your debts.
If you’re going on, or have just started, maternity leave and you’re struggling to make payments to your debts we might be able to help you set up a debt management plan. This will help you make reduced payments to your debts until you go back to work.
You might also find some of the following tips useful if you’re struggling with the cost of a new arrival.
Use our benefits checker to make sure you’re claiming all the benefits you’re entitled to. You’ll be able to claim child benefit when your baby is born and you may also be able to claim additional tax credits. The rules around who can claim child benefit have changed, to find out if you still qualify for it read our child benefit information page.
You can find out about maternity pay and what you’re entitled to by speaking to your employer.
Sure start maternity grant
If you have a low income or receive certain benefits you might be entitled to a Sure Start Maternity Grant. It pays a lump sum of £500 towards the cost of your baby. You need to apply for the grant between 11 weeks before the baby is due and up to the baby being 3 months old. Because it’s a grant, you don’t need to pay anything back.
If you have any questions on how maternity might affect your situation please contact us and one of our expert advisors will be able to help you.