Back to A-Z Help pages index

What to do if you are affected by Coronavirus

Read our guide to find out what benefits may be available to you

What help is available from benefits if you are affected by coronavirus

If your income has changed or you need to self-isolate due to coronavirus – whether you have the illness yourself or you need to care for someone else as a result – the benefits that may be available to you depend on your situation.

The current guidance that we are aware of is covered below but this help page will be updated when new details become available.

Please also take these suggestions on board:

In most cases, where you plan to start a new claim for benefits we recommend you start it as soon as you are eligible. Check our new claim for benefits section below.

If you already claim benefits and the impact of coronavirus means your circumstances have changed, our guidance varies depending on what benefits you are already claiming. This particularly applies to anyone claiming Working Tax Credit but in all cases check our existing benefits claimant section below.

Use these links to jump to the relevant section of the guide for your situation

Your income has changed

Depending on the circumstances of your household there are a few potential sources of help if your income has changed due to coronavirus.

Changes in income may be due to self-employed earnings being reduced or your employer asking you to reduce your hours or take unpaid leave. Either of these could be due to changing business needs or taking time off to care for children at home.

  • Means-tested benefits: You may be entitled to income-based benefits such as Universal Credit (if you are under pension age) or Pension Credit (if you are over pension age). Also see the new claim for benefits section below.

  • Council Tax Support: All age groups and work types may also be eligible for help in paying council tax (rate relief in Northern Ireland). Some councils are also offering payment holidays and further discretionary help may be available. Check your council’s website for more information.

  • Contributory benefits: These are available to help people who have paid enough national insurance contributions over a certain period of time. They are not means tested so there are no income and savings rules that need to be met. The main route if your income is affected will be Jobseeker's Allowance (JSA), which is for people looking for work. We cover other contributory benefits for people who are ill below.

  • Coronavirus Job Retention Scheme: The government has put in place several measures to help employed people affected by coronavirus. See our Schemes for employed people help page for more details.

  • Self-employment Income Support Scheme: Measures have also been announced to help self-employed people affected by coronavirus. See our Self-employment Income Support Scheme help page for more details.

To find out what help you may be eligible for, enter the details of your circumstances into the benefits calculator and we will work out your entitlements. If you are not reading this help page when doing a benefits check click the 'Start calculation' button at the top of the page to use the calculator.

Working as an employee and self-isolating

If you need to self-isolate and your employer does not offer paid sick leave you will be able to claim Statutory Sick Pay (SSP) from your employer as long as you earn above £120 a week (from April 2020). The SSP payment will last for the full amount of time you are required to self-isolate. Read Statutory Sick Pay for more information.

See the 'If you are not claiming benefits or working as an employee' section below if you earn below this amount.

If you are a worker on a low income, you have been asked to self-isolate to avoid spreading coronavirus and you cannot work from home (and have lost income as a result) you may also be able to claim a one-off £500 support payment in England, Scotland or Wales. See our Self-isolating if you are on a low income help page for further details. Help is provided by Discretionary Support in Northern Ireland.

Already claiming benefits when you become affected

If you've had a change of circumstances due to coronavirus guidance varies depending of what benefits you are already claiming.

For all benefits, if you have online or phone access you should use these to contact the DWP where possible.

From December 2020 all face-to-face assessments in areas that are in tier 3 or above are suspended, except for vulnerable claimants who will still be able to attend jobcentres for support. In other tiers you can make an appointment at a jobcentre if you can’t get the help you need online or over the phone.

If you need to make any repayments for benefit overpayments, social fund loans, tax credit debts or other loan repayments from your benefits these were placed on hold between March and 6 July 2020, but collections restarted on this date. You will be notified by letter or your Universal Credit journal before any money is taken and if you are experiencing financial hardship you can request a deferral by contacting the Debt Management line on 0800 916 0647.

  • Tax credits: UPDATED In April 2020 the basic element of Working Tax Credit was temporarily increased by £20 a week to help boost people’s income if they need to claim income-based benefits. In March 2021 this became a one-off £500 payment that is intended to cover six months of extra support for existing claimants.

    You will automatically receive the £500 by 23 April 2021 if you were in receipt of Working Tax Credit on 2 March 2021 (or you were eligible on this date but did not get a payment because your income was too high). The payment will appear in your bank account with the reference ‘HMRC C19 Support’. If you've not received the payment by the end of April, but you believe you are eligible, contact HMRC on 0345 300 3900.

    The government has also said "Customers will not need to pay Income Tax or National Insurance on the amount of this one-off payment and it does not need to be declared in a Self-Assessment return. Customers also do not need to declare the payment for tax credit claims or renewals. It will not affect any other benefits, such as Housing Benefit or Universal Credit, that they may receive."

    If you receive Working Tax Credit and your work hours have reduced as a result of coronavirus (including your role being furloughed) and your new hours are below those needed to still be eligible for WTC (16, 24 or 30 depending on your circumstances), you do not need to report your change to HMRC.

    The government announced those working reduced hours due to coronavirus will not have their tax credits payments affected if they are still employed or self-employed. If this applies to you, you do not need to contact HMRC as you will be treated as working your normal hours until the Job Retention Scheme closes, even if you are not using the scheme.

    If you have stopped working, your self-employed business has ceased trading, your hours or earnings have increased, or your childcare has stopped, reduced or increased, you should report these changes in the normal way.

    If you decide to make a new claim for Universal Credit instead of waiting on WTC, once you make a claim you will not be able to move back, and it may not be in your long term interest to be in receipt of Universal Credit. This is one of the more complicated scenarios for coronavirus benefits advice so we suggest contacting a benefits advice service to discuss your options, see the links at the bottom of this help page.

  • Universal Credit: UPDATED In April 2020 the standard allowance in Universal Credit was temporarily increased by £20 a week to help boost people’s income if they need to claim income-based benefits. In March 2021 this extra £20 a week was extended to September 2021 when it is due to be withdrawn.

    If you are in work and already claiming Universal Credit report any changes to the hours you have worked in your online journal. If you need to self-isolate relevant changes may be temporarily applied to your claimant commitment.

    If required, your work coach may contact you to set up a new claimant commitment that will reflect the ‘new normal’ acknowledging the reality of your local job market and personal circumstances (such as if you have childcare responsibilities because of Covid restrictions), to prepare you for getting back into work or increasing your hours.

    Once you have a new claimant commitment in place you could be sanctioned if you don't follow it, although the government has said a sanction will only be used where a claimant has not provided good reason for meeting the agreed requirements in their claimant commitment.

    UPDATED It’s also worth adding, if you are self-employed you will not be assessed using the minimum income floor as it has been suspended in Universal Credit until the end of July 2021 (extended from November 2020 and April 2021).

    If in any doubt contact your work coach via your online journal.

  • Jobseeker's Allowance: If you need to self-isolate you should contact your work coach to let them know and this will not count towards a period of sickness that could lead to you losing entitlement to your benefit.

  • Sickness benefits: You will continue to receive your payments until your next reassessment takes place. This includes Universal Credit, Employment and Support Allowance (ESA), Personal Independence Payment (PIP), Disability Living Allowance (DLA), Attendance Allowance and the Industrial Injuries Disablement Benefit.

    Attendance Allowance claimants with renewals after 8 March 2021 started to receive renewal packs in December 2020. However, awards that are due to expire before 8 March 2021 will be automatically extended, and claimants will continue to receive payments until their award is subject to a review at a later date.

    UPDATED Most assessments will be online or over the phone for the time being. From 12 April 2021 industrial injuries disablement benefit assessments will start to be provided face-to-face in England. From May 2021 assessments for PIP, work capability assessments for Universal Credit and ESA will start to be face-to-face. This will all initially be for those who the DWP are unable to fully assess by other channels.

    UPDATED If you live in Northern Ireland and were receiving certain disability benefits between Monday 30 November and Sunday 6 December you are eligible for a one-off £200 Covid-19 Heating Payment. The payment is in addition to other energy payments you may be entitled to, including the Winter Fuel Payment. It should have been paid automatically at the end of January 2021 but if you are eligible and did not receive the payment automatically you can claim it until 30 June 2021. Call the Covid-19 Heating Payment Enquiries team on 02879 396 124.

  • Carer's Allowance: You will continue to receive this benefit if you need to take a temporary break in caring. This may be due to either you or the person you care for needing to self-isolate. You are also able to include hours spent providing emotional support towards your threshold of 35 hours of care a week. If the person you care for dies, you can continue to receive Carer's Allowance for a further eight weeks.

    If you are eligible for Carer's Allowance and you live in Scotland you will also have received an extra benefit called the Carer's Allowance Supplement. The additional payment of £230.10 covers the period from 1 April 2020 to 30 September 2020.

  • Housing Benefit: You will continue to receive your existing Housing Benefit award if you are temporarily outside of the UK and you intend to return but are unable to get home due to coronavirus travel restrictions.

Neither claiming benefits nor working as an employee

This includes people who are self-employed or who earn below the lower earnings limit (£120 a week from April 2020) to be eligible for statutory sick pay.

If you need to self-isolate you can claim Universal Credit and/or New Style Employment and Support Allowance. You may also be eligible for extra support if you are self-isolating and on a low income.

During your application you may be asked to verify your identity. This video from the DWP explains how the verify system works, collect any relevant documents together before you apply to speed up your claim.

  • Universal Credit (UC): UPDATED In April 2020 the standard allowance in Universal Credit was temporarily increased by £20 a week to help boost people’s income if they need to claim income-based benefits. In March 2021 this extra £20 a week was extended to September 2021 when it is due to be withdrawn. These amounts are to help with basic living costs. If you need help with housing or you have children and/or caring responsibilities you may be entitled to more.

    If you are about to receive a final salary payment from your employer you may be best to wait until after you have received it before starting your UC claim. This is because your final payment will be counted as income during your first assessment period and this may mean you receive no UC (or a reduced amount) for your first month. If this does happen your second month’s payment will be back to normal.

    If your final salary payment isn’t going to affect your UC payment by much or you can’t afford to wait you can start your claim straight away.

    If you do not have enough money to live on while you wait for your first UC payment you can ask for an advance payment. This is a loan that needs to be paid back from your future UC payments over 24 months if you applied for the advance on or after 12 April 2021 (it was 12 months before this date). These repayments can be delayed for up to three months if you can't afford them, speak to your job coach if this applies to you. If you ask for an advance because of a change of circumstances during your UC claim you can delay repaying for one month and you need to repay the ampunt over a six month period.

    UPDATED It’s also worth adding, if you are self-employed you will not be assessed using the minimum income floor as it has been suspended in Universal Credit until the end of July 2021 (extended from November 2020 and April 2021).

  • New Style Employment and Support Allowance (ESA): You should apply for ESA online as soon as you are affected by coronavirus. If you make a new claim for ESA you will get help from day one of your claim, as the usual eight waiting days have been removed.

    If you’re claiming ESA because of coronavirus, you’ll need to give evidence to support your claim. Once you’ve applied, you’ll be contacted by phone and told when to give the evidence and where to send it. The gov.uk website has examples of the evidence you may be asked to supply.

Eligible for a means-tested benefit and have children

As well as the benefits above if you have children of school age you could be eligible for help with meals. The help available varies in different parts of the UK, see our Free school meals guide for more info.

NEW Low income families in Scotland will also receive a £100 Covid Spring Hardship Payment if they have children who receive free meals in schools and early learning and childcare settings. Local authorities will be asked to deliver the COVID Spring Hardship Payments alongside the continuation of free school meals during the Easter holidays.

If you are finding it difficult to make ends meet due to Coronavirus a research team from the universities of York and Birmingham would like to hear from you. They are working with the Child Poverty Action Group to collect real life stories from families and carers with children under the age of 19 so they can both understand the challenges you face AND try and encourage policymakers to make better informed decisions on ways things could be improved for you and your family.

See the https://covidrealities.org/ site for more info on how to send in your short messages about your day to day life at the moment. They won’t use your real name in any way but your stories will help them collect real evidence of the impact of COVID-19 on families around the UK.

Renting your home

If you are struggling to pay your rent your local council may be able to award you a Discretionary Housing Payment.

Other protections depend on where you live, as below:

  • UPDATED England and Wales: Evictions will not be enforced by bailiffs until at least 30 June 2021 in Wales and 31 May 2021 in England. This is except in the most serious circumstances such as anti-social behaviour, domestic abuse or illegal occupation.

    In most cases the notice period a landlord needs to give before they start eviction proceedings has also changed from 3 to 6 months. The Understanding the possession action process guidance on gov.uk provides more information on the notice periods and what to expect but please seek advice if you are worried about being evicted.

  • Scotland: The Scottish government has extended its ban on evictions until 31 March 2021 in areas subject to level 3 or 4 restrictions, unless serious anti-social behaviour is involved, including domestic abuse. The ban will be reviewed every three weeks. In any level, before a landlord can start legal proceedings to evict you they must give you notice. In most cases, the temporary law means landlords must give you at least 6 months' notice to end a tenancy.

    A new Tenant Hardship Loan Fund launched on 7 December to offer interest-free loans to social and private tenants who are struggling with rent arrears and who aren’t able to get housing support elsewhere. This means you could be eligible if you aren’t claiming benefits. Loans can cover up to 9 month rent, either arrears arisen since 1 January 2020, 3 months of future rent, or a mixture of the two. Repayments will start after six months and will be repaid over a five-year period.  Apply via the Tenant Hardship Loan Fund page on gov.scot.

  • UPDATED Northern Ireland: The Communities Minister has said no social housing tenant in Northern Ireland will be evicted for non-payment of rent during the coronavirus outbreak. While private tenants must be given a 12 week notice to quit period by landlords before they are able to seek a court order to begin proceedings to evict. The protections for private tenants will be in place until 30 September 2021 (this has been extended twice, most recently from 31 March 2021).

More information

Visit this government page about coronavirus and benefits for more information.

One of the advice agencies listed in our further advice help page may also be able to help you.

For more information on mortgages, employment, energy and travel rights if you are affected by coronavirus MoneySavingExert.com has a range of useful guides - Finance & Bills Help, Life-in-Lockdown Help, Travel Rights

up
loader