Means-tested benefits

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.