Benefits and accessing cash - coronavirus advice
The coronavirus outbreak has led to some changes for those already claiming benefits, for those making new claims and those accessing cash. We've outlined some of these changes.
I'm making a new benefits claim, how will it be affected?
You can continue to make new benefit claims, but the claim might be affected, but it will depend on what benefit the claim is for.
- If you’ve recently made a new claim for Universal Credit, Employment and Support Allowance (ESA), Personal Independence Payment (PIP) or Industrial Disablement Benefit and you’re waiting to hear about your assessment but you haven’t had a date set, then you don’t have to do anything. You’ll be contacted via phone or letter to let you know the next steps. You can find more information about that here.
- If you’re making any new benefits or pension claim, you’ll no longer be able to receive payments through a Post Office card account. Instead, you’ll be paid via a standard account (e.g. a bank account) or, if this isn’t possible for you, via the HM Government Payment Exception Service. Anyone already receiving benefits payments via a Post Office card account won’t be affected.
How will I be assessed during the pandemic?
Whether you already claim benefits and have a review or assessment coming up, or you're claiming for the first time and need to be assessed, your assessment may be face-to-face, over the phone or via video call.
If you require an assessment the DWP will let you know. There's government guidance about safely attending face-to-face assessments, which you can find here.
Specific benefits: what's changed?
As well as some of the general changes outlined above, there are some changes that specific benefits. Click on the benefit below to find out more.
- If you can’t return your Attendance Allowance (AA) claim form within the 6 weeks allowed, make a note on the form as to why it's late, such as if you have had to self-isolate due to coronavirus.
- If your AA award is due to expire you will receive a renewal claim pack and will have 20 weeks to complete and return it.
You can find more information as well as the number for the Attendance Allowance helpline here.
- If you already claim Carer’s Allowance, your claim will continue if you have to take a temporary break in caring because you or the person you care for gets coronavirus or either of you have to self-isolate.
- Providing emotional as well as the more practical forms of care now counts towards the 35 hours of care needed per week to be awarded Carer’s Allowance.
- Any new paper claims now don’t require the signature of the person being cared for – though you’re advised to add a note on the claim to say why this hasn’t been possible.
You can find more information and make a claim online here.
- If you’ve already claimed your State Pension and there are no children or young people included in the claim you can now claim online.
- If you haven’t already claimed your State Pension or you are responsible for children or young children then you will need to claim by phone or post.
You can find more information and make a claim online here.
- If you’re affected by coronavirus you can now apply for Universal Credit and receive an advance payment without having to attend a job centre.
- You also don’t need to call the DWP as part of your claim – however, they might contact you if they need to check any information.
- The temporary £20 per week uplift to the standard allowance element will continue until September 2021.
- If you're affected by coronavirus and aren't able to leave your home, you should let the DWP know you won't be able to keep up with your requirement (for example, via your online journal) to avoid this affecting your benefit.
You can find out more about Universal Credit and how to claim it here.
Statutory Sick Pay
- If you can’t work because of coronavirus and you’re eligible you can receive Statutory Sick Pay straight away, rather than from the fourth day of your illness.
- You are eligible for this if you’re staying at home on government advice, even if you don’t have coronavirus symptoms.
New Style Employment and Support Allowance
- If you have coronavirus and are making a new claim, a successful claim is payable from day one – there isn’t the usual seven-day waiting period.
- If you're affected by coronavirus, you will be treated as having limited capacity for work without having to provide medical evidence or undergo a Work Capability Assessment (WCA).
You can find more information, including how to make a claim, here.
New Style Jobskeeker's Allowance
- If you're affected by coronavirus, you will continue to satisfy your conditions of entitlement and any period of illness of self-isolation won't count as a short or extended period of sickness.
- If you're not able to leave your home because of coronavirus, you should notify the DWP so your requirements don't affect your benefit.
Personal Independence Payment and Disability Living Allowance
- The Government has announced that 'review and renewal activity' will resume for Personal Independence Payment (PIP) and Disability Living Allowance (DLA), beginning with the claims that were underway when it was previously suspended. The DWP will write to some PIP and DLA claimants asking them to complete paperwork to resume their reviews, reassessments and renewals. For PIP claimants who have already returned their paperwork, they might be contacted by one of the DWP's Assessment Providers.
If you're over 65 and your DLA award is due to expire you'll receive a renewal claim pack and will have 20 weeks to complete and return it.
To mirror the £20 per week uplift under Universal Credit, Working Tax Credit claimants will receive an automatic one-off payment of £500 (see guidance on how this will work).
I'm worried about accessing cash. What can I do?
Coronavirus has meant it might have been tricky to access your money. However, banks are required, by the Financial Conduct Authority, to help customers who might have difficulty accessing their services or using online banking, for example.
Several banks have proactively contacted older customers to help them get access to cash. But, if you haven’t heard from your bank, there are other options.
Many banks have set up helplines to support older and potentially more vulnerable customers at the moment.
You can find a list of the banks and their numbers here on the Which? website.
However, these helplines are particularly busy at the moment. So while it’s certainly worth giving them a ring, you might have to wait a little to get through. When talking to your bank, you’ll also have to prove you are who you say you are so it’s a good idea to have a recent bank statement handy.
You may have forgotten your PIN or password. But don’t worry, there are other ways to prove your identity, such as confirming any recent transactions.
If you call up and don’t think you’re getting the right help, ask to speak to your bank’s vulnerable customer team. Banks are required to help older and more vulnerable customers.
While not all banks will offer the same services, there are a few ways your bank might be able to help you, which include:
- sending you cash securely through the post
- issuing PIN numbers through the post or via mobile phones to allow a third party to withdraw cash for you
- using the Post Office’s third-party cheque cashing and voucher service (see below).
As well as services from banks, the Post Office all also offering ways to help you access cash.
- Payout Now: A bank will send you (via email, text or post) a voucher that a third party can take to the post office to get cash on your behalf
- Fast PACE: A third party will be able to cash a cheque on your behalf.
If you want to use either service, you’ll have to contact your bank and confirm you want to do so and set up access.
Test and Trace Support Payments
If you're unable to work because you're self-isolating, you might be eligible for a Test and Trace Support Payment of £500. To be eligible you must meet the following criteria:
- Be asked to self-isolate by NHS Test and Trace either because you've tested positive for coronavirus or have recently been in close contact with someone who has.
- Be employed or self-employed.
- Be unable to work from home and lose income as a result.
- Be receiving Universal Credit, Working Tax Credit, income-related Employment and Support Allowance, income-based Jobseeker's Allowance, Income Support, Housing Benefit and/or Pension Credit.
You can still apply if your claim for one of the qualifying benefits has been approved and you made the claim no later than two weeks after your period of self-isolation has ended.