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Disability money matters

Get help with MoneySaving questions relating to living with a disability.

NI Credits I don't want them.
My the time I retired I will have the full 35 years due to ESA/UC paying my stamp. If the rules are the same when I retired then I don't want them paid. If I have less of a pension it would get topped up with PC and would be about £2 less a week, but being on PC would open up entitlement to more benefits. Having a full…
Claiming pip for myself and being a carer for my autistic son
Hi I've recently just claimed pip for myself as I was made aware that as I have a hearing impairment I can claim for myself. I'm worried that this could affect my carers element for my son. I can of course still care for him. This is basically what I said in my forms: I have told them how it affects me, which is mainly…
Any help for disabled people with mortgages or renovations?
I have a disability that means I am unable to do much in the way of DIY. Even basic stuff like painting or simple plumbing. However I am able to hold down a full time desk job. As such it is really hard for me to find a house. Everything I can afford is a wreck in need of major renovations, ranging from things like new…
ESA and Disability Premiums
I was claiming old style ESA both contribution based and income related plus PIP at the highest rates for mobility and care. Received an inheritance, notified DWP who stopped income related ESA but continued the contribution based. When my savings get below £16,000 is it possible to get the disability premiums back again…
Gifting to avoid IT and deprivation of assets
My wife has Parkinson's (diagnosed almost 3 years ago). It is quite possible that at some point in the future she may need care (we are both in our 70's.) For the last few years we have been gifting £3000 to our siblings to avoid them possibly having to pay inheritance tax. I have spoken to two national "help"…
Adult son with UC and PIP living in family home - contribution to family "budget" yes or no?
My adult son (21yo) has recently finished specialist college and is now on a programme of daily activities funded by local social services. Now he is not in FT education he has successfully applied for UC with my wife acting as appointee. He is also in receipt of PIP with the same appointee relationship. When I was in his…
LCWRA and Using & Saving Money
Heyo! I applied for UC in 2019 when I left full time undergraduate education and I've been on LCWRA and the Housing Component since I started receiving payments in 2020. I'm now 27 and I've since finished my part time Masters in Biotech. My genetic disability essentially ensures that regular employment without very lenient…
PIP Renewal delay
Hi everyone. It seems my PIP was extended in March for 6 months due to the Covid delay. I filled my new application in and sent it back in June. I had a texted in August asking to contact them due to the delay and my case was processing. I know we have had a few strikes with Royal Mail recently, but am getting a little…
Husband detained under Mental Health Act - can I run his business?
Thank you so much for your help in advance. Please be gentle with me as I am going through a very difficult time. I was recently away looking after my father while he was receiving end of life care when I received the call that everyone dreads - my husband had been in a serious car crash. Whilst critical, his injuries…
PIP and State Pension
Hope someone can help please. I should be eligible for my State Pension next year. What happens then re my PIP I get lower rate for both sections. Many thanks
ESA £150 energy payment
Hi, not sure if I’m posting in the right place or not. I had to take early retirement through ill health and get ESA. I had a letter saying I’d get £150 heating allowance before the end of March. It stated clearly I didn’t need to do anything as it’ll be applied to my energy bills. The complication is the bills are in my…
Motability
My wife had a stroke in August last year, exactly one month after she had received her first state pension payment. She is paralysed on her left side. The costs associated with caring for her are significant but we are not entitled to any benefit until six months after the event. In addition because she had reached state…
urgent help re court of protection
my husbands aunt has lived alone since her husband died approx two years ago. she has dementia and has carers in 3 times a day. my husband and I visit fairly regularly and so do other family members. last week a solicitor called my husband and asked to meet him at the aunts house yesterday. he was then given a paper…
Alternative to pendant alarm
Elderly parent, getting frailer but won't acknowledge it. Has eventually agreed to some sort of medical alert device as long as it is not one that goes round the neck or too obvious otherwise they have said they will remove it when they are going out or has visitors! (And then no doubt forget to put it back on and memory…
University Funding for a 72 yo disabled man
Forum I am a 72 year old Disabled man looking for someone to help me as I am going to University in May to study Counseling and Psychology. I have a Level 2 Certificate in Mental Health Awareness. I am currently studying for a Level 3 Certificate in Psychology and Counselling. In May I start my Degree Course at (Removed by…
Is there a way a local authority can find out how much money you have in your bank accounts?
I'm not sure if this is the right place to post this, but I have a question about my dad. I'm almost certain he has dementia. He's been saying bizarre things and acting in an odd manner for a good few months now. He's had a CT scan and we're just waiting on the results. My dad lives in a council flat, the same council flat…
Chorley Hospital Car Parking
On the 2nd December 2022 I parked my car in a disabled car slot and displayed my badge. Today I received a letter from Parkingeye with a Parking Charge Notice for £70. Do I have to pay this?
New Style ESA - interview upcoming
Hi, I received a letter today from local jobcentre plus. I've been on ESA for years and haven't dealt with them face-to-face or over phone for a long time. But i've been told i will have a telephone interview with them next week and will need to 'agree to do certain things to get new style ESA'. It's described as 'claimant…
Funeral plan for person with learning disabilities
Our son is 40 and shortly to move out of home into supported living. He has autism and learning disabilities. We are planning a different future now for him and us. As he isn’t able to make financial decisions for himself and we may not have total control over his finances in the future we were thinking about sorting out…
ADHD diagnosis in Wales
We live in Wales on the border between England and Wales. Our adult son (aged23) has been having private therapy for 3 years (couldn’t wait for nhs) as he had mental health issues. The current therapist suggested that he thought that my son had undiagnosed ADHD. We tried to pursue this via the mental health nurse at our GP…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Disability money matters

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