If you have care needs or a disability there are benefits to help you manage with the extra costs. Most of these benefits aren’t affected by income or savings and you may be able to keep them if you have to go into a care home.
The amount you pay towards your long-term care is worked out as if you’re already receiving all the benefits you’re entitled to.
So it’s important to claim everything you can, otherwise you’ll end up paying more than you need to.
Financial support is available whether you need help to live safely and comfortably in your own home, or you need to move into a care home.
What’s more, not all benefits are means-tested. Disability benefits that help with personal care needs or the extra costs of getting around don’t take your income or savings into account.
If you live in England, Scotland or Wales and have difficulty getting around or everyday tasks you can make a claim for Personal Independence Payment (PIP).
This benefit is replacing Disability Living Allowance for people aged 16 to 64.
PIP is tax free, paid weekly and not usually affected by your income or savings.
There are two parts to PIP:
There are two rates for each payment. Which one you get will depend on how severe your needs are.
|Daily living component||Mobility component|
|Standard rate £55.10||Standard rate £21.80|
|Enhanced rate £82.30||Enhanced rate £57.45|
If you’re in England, Wales or Scotland, find out more about PIP, including how to claim, on the GOV.UK website.
If you’re in Northern Ireland, find out more about PIP on the nidirect website.
If you live in England, Scotland or Wales, you can only now make a new claim for Disability Living Allowance (DLA) if you’re claiming for a child under 16.
DLA is tax free, paid weekly and not usually affected by your income or savings.
There are two parts to DLA called components:
It is possible to get either or both components.
|Care component||Mobility component|
|Higher rate £82.30||Higher rate £57.45|
|Middle rate £55.10||n/a|
|Lower rate £21.80||Lower rate £21.80|
If you are aged between 16 and 64 and are currently getting DLA, you will be invited to be reassessed for Personal Independence Payment a few months before your current DLA award is due to end or if your condition changes.
If you’re in England, Wales or Scotland, find out more about DLA on the GOV.UK website.
If you’re in Northern Ireland find out more about DLA on the nidirect website.
Attendance Allowance is tax free and is not usually affected by any savings or income you may have. You may be entitled if:
Attendance Allowance is based on the care you need, not the level of care you’re currently receiving.
So even if you don’t receive support from a carer at the moment, you may still be entitled to this benefit.
You can get a lower rate if you need help in the day or night and a higher rate if you need help day and night.
|Higher rate||Lower rate|
If you’re in England, Wales or Scotland, find out more about Attendance Allowance, including how to claim, on the GOV.UK website.
If you’re in Northern Ireland, find out more about Attendance Allowance, including how to claim, on the nidirect website.
You may receive a reduction on your Council Tax bill if you’re getting certain benefits.
If your home has been specially extended to help you stay there, you should not have to pay any extra Council Tax.
To find out more, find the details on the GOV.UK website.
Council Tax only applies to people living in England, Wales and Scotland.
If you live in Northern Ireland, you might get a reduction in your Rates through the Rate Relief Scheme. Find out more on the nidirect website.
If you’re on a low income, you may also be entitled to other benefits and help with health costs.
Check out Turn2Us, a charity that helps people access welfare benefits, grants and other support.
Find out more about help with health costs on the NHS website.
If you’re in Northern Ireland, find out more about other benefits on the nidirect website.