When your client enters a care home, they may be still be eligible for certain means-tested benefits. Your client will need to demonstrate that their income, savings and capital are below a certain level to qualify.
Guarantee Credit tops up your client’s weekly income if it’s below £167.25 (for single people) or £255.25 (for couples).
Savings Credit is an extra payment for people who saved some money towards their retirement, for example a pension.
Your client does not pay tax on Pension Credit.
Use the View - Pension Credit calculator to work out how much they might get.
Your client could get a Funeral Expenses Payment (also called a Funeral Payment) View - if they get certain benefits - if they get certain benefits and need help to pay for a funeral.
View - Click the claim form notes for full details of what Funeral Expenses Payment covers.
If your client is getting certain benefits or Support for Mortgage Interest they may also get a payment if the average temperature in their area is recorded as, or forecast to be, zero degrees celsius or below for 7 consecutive days.
You can see if your client View - eligible.
If your client has a disability or health condition that affects how much they can work and are under View - State Pension age, they may be eligible for View - Employment and Support Allowance (ESA). This allowance could provide:
- money to help with living costs if they're unable to work
- support to get back into work if they're able to
Your client can apply for ESA if they're employed, self-employed or unemployed.
Your client could be eligible if they’re on a low income or if they claim benefits. Their bill could be reduced by up to 100%.
Your client can apply if they’re a homeowner or if they rent, and whether they are unemployed or working.
What your client will get depends on:
- Where they live - each council runs its own scheme.
- Their circumstances (for example income, number of children, benefits, residency status).
- Their household income - this includes savings, pensions and their partner’s income.
- If their children live with them.
- If other adults live with them.
Council tax reduction isn't available in Northern Ireland.
Universal Credit is a payment to help with your clients living costs. It’s paid monthly - or View - twice a month for some people in Scotland.
Your client may be able to get Universal Credit if:
- they’re on a low income or unemployed
- they’re 18 or over (there are some exceptions if they're 16 or 17)
- they’re under View - State Pension age (or their partner is)
- your client and their partner have £16,000 or less in savings between them
- your client lives in the UK.
Benefits information researched and accurate as of February 2020. Not to be relied upon by advisers or their clients.