Financial Aid
Financial support you may be entitled to.
Many families feel unsure about applying for benefits, and some worry that asking for help carries a stigma. Please know that these payments exist for your family, and claiming what you are entitled to is a normal and sensible thing to do.
The benefits below cover different situations, from extra costs linked to a disability or health condition to help with rent and council tax. Benefit rates change from year to year, so always check the current amounts on gov.uk before you apply. Tap a benefit below to read more.
Explore each benefit
Attendance Allowance (AA)
Age Group: state pension age and above
Applies to: England and Wales
https://www.gov.uk/attendance-allowance (accessed August 2026)
Overview
Attendance Allowance helps with extra costs if you have a disability severe enough that you need someone to help look after you. The other benefits you get can increase if you get Attendance Allowance. Attendance Allowance can be backdated to the date of your claim. This is usually the date your form is received.
Attendance Allowance is not means-tested. It is paid at 2 different rates and how much you get depends on the level of care that you need because of your disability.
You could get £76.70 or £114.60 a week to help with personal support if you are physically or mentally disabled. It does not cover mobility needs.
What you will get
| Rate | Level of help you need |
|---|---|
| Lower rate - £76.70 | Frequent help or constant supervision during the day, or supervision at night |
| Higher rate - £114.60 | Help or supervision throughout both day and night, or you are terminally ill |
How to claim
You can apply for AA online or by post.
If you are an appointee or have power of attorney, you cannot apply online.
Post applications are free of charge; the recipient pays the postage.
Mailing address: Freepost DWP Attendance Allowance (AA)
To apply, you'll need:
- your National Insurance number
- your address and contact details
- details of the disability or health condition that you need extra help for
- details of your GP surgery or medical centre
- details of your care home, hospital or hospice if you're currently staying in one
To apply online: https://www.gov.uk/attendance-allowance/how-to-claim
You can download and print the claim form here: https://www.gov.uk/government/publications/attendance-allowance-claim-form
To request a paper copy of the claim form, please contact the AA helpline: 0800 731 0122.
What happens next
After submitting your application, you will receive a text message or letter within three weeks informing you when you will receive the decision. You will be notified of the outcome by letter. If the application fails, the reasons will be explained, and you will have an opportunity to request a Mandatory Reconsideration (MR). If the reconsideration also fails, you can appeal and provide new evidence.
Change of circumstances
Your circumstances can affect how much Attendance Allowance you get.
You must contact the Attendance Allowance helpline 0800 731 0122 straight away if:
- the level of help you need or your condition changes
- you go into hospital or a care home
- you leave the country for more than 4 weeks
- you go into prison
- you change your name, address or bank details
- you want to stop receiving your benefit
- your doctor's details change
- your immigration status changes, if you are not a British citizen
You could be taken to court or have to pay a penalty if you give wrong information or do not report a change in your circumstances. You may have to repay the money if you have been paid too much.
Disability Living Allowance (DLA)
Age Group: under age 16
Applies to: England and Wales
https://www.gov.uk/disability-living-allowance-children (accessed August 2026)
Overview
DLA for children may help with the extra costs of looking after a child who:
- is under 16
- has difficulties walking or needs much more looking after than a child of the same age who does not have a disability
- The child must be in the UK at the time of application and have resided here for at least six months in the past 12 months.
- For children between 6 months and 3 years old, the residency period must be at least 26 weeks over the past three years.
- For children under 6 months old, the residency period must be at least 13 weeks.
Your child will need to apply for Personal Independence Payment (PIP) when they turn 16. Your child will get a letter inviting them to apply for PIP.
You might qualify for Carer's Allowance if you spend at least 35 hours a week caring for a child who gets the middle or highest care rate of DLA.
What you will get
DLA for children is a tax-free benefit made up of 2 components (parts). The child might qualify for one or both components.
Payments are made every four weeks, are not subject to means-tested, you can apply even if you have a job.
Care component
| Care component | Weekly rate |
|---|---|
| Lowest | £30.30 |
| Middle | £76.70 |
| Highest | £114.60 |
Mobility component
| Mobility component | Weekly rate |
|---|---|
| Lower | £30.30 |
| Higher | £80 |
Care component
The rate the child gets depends on the level of looking after they need, for example:
- lowest rate - help for some of the day
- middle rate - frequent help or constant supervision during the day, supervision at night or someone to help while they're on dialysis
- highest rate - help or supervision throughout both day and night, or they're terminally ill
Mobility component
The rate the child gets depends on the level of help they need getting about, for example:
- lowest rate - they can walk but need help and or supervision when outdoors
- highest rate - they cannot walk, can only walk a short distance without severe discomfort, could become very ill if they try to walk or they're blind or severely sight impaired
There are also age limits to receiving the mobility component:
- lowest rate - the child must be 5 years or over
- highest rate - the child must be 3 years or over
How to claim
To claim DLA for a child you need to be their parent or look after them as if you're their parent. This includes step-parents, guardians, grandparents, foster-parents or older brothers or sisters.
you can apply by either:
- printing off and filling in the DLA claim form
- https://www.gov.uk/government/publications/disability-living-allowance-for-children-claim-form
- Chinese-language claim form: Disability Living Allowance (DLA) claim form in Chinese
- Chinese-language information pack: Disability Living Allowance (DLA) information pack in Chinese
- phoning the Disability Living Allowance helpline 0800 121 4600 and asking for a printed form
Please post the completed application form and supporting documents to: Freepost DWP DLA Child (free of charge, recipient pay postage).
Supporting documents include: Individual Education Plan (IEP), diagnosis letters, educational psychologist's report, and Local Council Special Educational Needs Statement.
What happens next
Approximately two weeks after posting your application, you will receive a letter informing you that your application has been received and on what date. The processing time is around four to six months from the date of receipt of the application. During the processing period, you can contact the DLA helpline if you have any enquiries: 0800 121 4600 Follow the voice instructions to select the appropriate option; otherwise, you will be asked to hang up and call again.
The processing time is lengthy, and you may receive another letter during this time requesting you to submit proof of identity to verify your eligibility for benefits and the length of your stay in the UK. If your stay expires, the Home Office will suspend the DLA payment until your stay is successfully renewed, at which point you can call to request the resumption of the DLA payment.
Change of circumstances
You need to tell DWP straight away if there is a change in your personal circumstances or how your condition affects you.
You must contact the DLA enquiry line on 0800 121 4600 if:
- your personal details change, for example your name, address or doctor
- the help you need or your condition changes
- your condition has worsened and you're not expected to live more than 6 months
- you go into hospital or a care home
- you go abroad for more than 4 weeks
- you are imprisoned or held in detention
- your immigration status changes, if you are not a British citizen
You could be taken to court or have to pay a penalty if you give wrong information or do not report a change in your circumstances. You may have to repay the money if you have been paid too much.
Personal Independence Payment (PIP)
Age Group: age 16 to State Pension age
Applies to: England and Wales
https://www.gov.uk/pip (Accessed August 2026)
Overview
Personal Independence Payment (PIP) can help you with some of the extra costs if you have a long-term physical or mental health condition or disability. You can get PIP whether you are working or not. You need to live in UK when you apply and have lived here for at least 2 of the last 3 years.
PIP is tax free, the amount you get is not affected by your income or savings. PIP is usually paid every 4 weeks.
You will need an assessment to work out how much you will get. Your rate will be regularly reviewed to make sure you are getting the right support.
The amount you get depends on how your condition affects you, not the condition itself.
Your carer could get Carer's Allowance if you have substantial caring needs.
You might be able to get PIP if you are a refugee or asylum seeker.
What you will get
Personal Independence Payment (PIP) is made up of 2 parts - a daily living part and a mobility part. Whether you get one or both of these and how much you will get depends on how severely your condition affects you.
Daily living difficulties
You may get the daily living part of PIP if you need help more than half of the time with things like:
- preparing or eating food
- washing, bathing and using the toilet
- dressing and undressing
- reading and communicating
- managing your medicines or treatments
- making decisions about money
- engaging with other people
The weekly rate for the daily living part of PIP is either £76.70 or £114.60.
Mobility difficulties
You may get the mobility part of PIP if you need help going out or moving around.
The weekly rate for the mobility part of PIP is either £30.30 or £80.
How to claim
Call DWP to make a new PIP claim on 0800 917 2222. DWP will speak to you using a telephone interpreter if needed. Otherwise, you can ask a friend to call on your behalf, but you will need to be present when they call.
Before you call, you will need:
- your contact details, for example, your mobile number
- your date of birth
- your National Insurance number - this is on letters about tax, pensions and benefits
- your bank account number and sort code
- your doctor or health worker's name, address and telephone number
- dates and addresses for any time you have spent in a care home or hospital
- dates for any time you spent abroad for more than 4 weeks at a time, and the countries you visited
If you are nearing the end of life, ask a medical professional for form SR1. They will either fill it in and give the form to you or send it directly to the Department for Work and Pensions (DWP).
What happens next
After submitting your application, you should receive a letter within one month informing you of the next steps. Most often, you will be invited for a phone or in-person meeting to further discuss how your health condition affects your daily life and mobility.
The health assessor will score you based on your answers, indicating the difficulty you face in completing each task. For example, if you can go to the toilet without assistance, you score 0 points; if you need someone to remind you to take medications, you score 2 points; if you forget to turn off the hob while cooking and need supervision, you score 4 points.
A total score of 8 to 11 points in the daily life and/or mobility section will receive the standard amount, 12 points or more will receive a higher amount, and a total score below 8 points will not receive anything.
Change of circumstances
You need to tell DWP straight away if there is a change in your personal circumstances or how your condition affects you.
You must contact the PIP enquiry line on 0800 121 4433 if:
- your personal details change, for example your name, address or doctor
- the help you need or your condition changes
- your condition has worsened and you're not expected to live more than 6 months
- you go into hospital or a care home
- you go abroad for more than 4 weeks
- you are imprisoned or held in detention
- your immigration status changes, if you are not a British citizen
You could be taken to court or have to pay a penalty if you give wrong information or do not report a change in your circumstances. You may have to repay the money if you have been paid too much.
Health conditions, disability and UC
https://www.gov.uk/health-conditions-disability-universal-credit (accessed August 2026)
What UC is
Universal Credit is a monthly payment to help with your living costs.
Your monthly payment is based on your circumstances, for example your health condition or disability, income and housing costs.
You might get an extra amount of Universal Credit if you have a health condition or disability that limits how much work you can do. The Department for Work and Pensions (DWP) refers to this as your 'capability to work'.
Eligibility
You may be able to get Universal Credit if:
- you live in the UK
- you are on a low income or out of work
- you are 18 or over and under state pension age (or your partner is)
- you and your partner have £16,000 or less in savings between you
If you live with your partner, your partner's income and savings will be taken into account, even if they are not eligible for Universal Credit
How to claim
Apply for Universal Credit online.
You have to apply as a couple if you and your partner live together. You do not need to be married.
The Universal Credit team might phone you after you have sent your application if they need more information or if you cannot verify your identity online.
You cannot claim Universal Credit and tax credits at the same time. If you get tax credits, they will stop when you or your partner applies for Universal Credit.
What you need to apply
You will need:
- your bank, building society or credit union account details
- an email address
- information about your housing, for example how much rent you pay
- details of your income, for example payslips
- details of savings and any investments, like shares or a property that you rent out
- details of how much you pay for childcare if you are applying for help with childcare costs
You also have to verify your identity online. You will need some proof of identity for this, for example your:
- driving licence
- passport
- debit or credit card
If you cannot verify your identity online, the Universal Credit team will phone you to help you verify your identity.
After you apply
The Department for Work and Pensions (DWP) will make an appointment to talk to you, either over the phone or face-to-face.
If you have a disability or illness that affects your work, you may need a Work Capability Assessment to see how your disability or health condition affects your ability to work. (known as the WCA50 form)
You will make an agreement called a 'Claimant Commitment' with your work coach. If you are claiming with your partner, you will each have a Claimant Commitment and set of responsibilities.
What you need to do depends on your situation.
If you are a single parent or the lead carer in a couple, your responsibilities will change as your youngest child gets older and will be tailored to your personal circumstances.
Report a change of circumstances
You need to report changes to your circumstances, so you keep getting the right amount each month. You can report a change of circumstances by signing in to your Universal Credit account.
Changes can include:
- finding or finishing a job
- an increase in the hours you work
- having a child
- moving in with your partner
- starting to care for a child or disabled person
- changing your mobile number or email address
- moving to a new address
- changing your bank details
- your rent going up or down
- changes to your health condition
- becoming too ill to work or meet your work coach
- changes to your earnings (only if you are self-employed)
- changes to your savings, investments and how much money you have
You could be taken to court or have to pay a penalty if you give wrong information or do not report a change in your circumstances.
Report your health condition or disability
When you apply for Universal Credit, you can report if you have a health condition or disability that affects your 'capability to work'.
This could mean that you:
- need support in work
- need to find suitable work
- are unable to work temporarily or long term
You can still work if you feel able to or if you find suitable work.
Fit notes
You must get a fit note (also known as a 'sick note') if your health condition or disability affects your capability to work for longer than 7 days.
If your health condition or disability affects your capability to work for longer than 28 days, you may need to have a Work Capability Assessment. You must continue to get fit notes until you've been sent a decision about your assessment.
When your fit note expires
If your health still affects your capability to work you must get a new fit note when it expires.
You'll get a reminder before your fit note expires. The reminder will include the date you need to report a new one by.
You'll need to update the details with your new fit note in your account. If you do not, you may need to attend an appointment with your work coach to discuss your claimant commitment.
If you do not get a new fit note you may be expected to work or look for work.
If you need a Work Capability Assessment
The Work Capability Assessment is to help decide how much your health condition or disability limits your capability to work.
You might not get an assessment if you earn over £881 a month.
If you need an assessment, you'll get a letter telling you what you need to do.
Before your assessment, you'll need to complete a 'Capability for Work' (WCA50) health questionnaire. You'll be able to send copies of other medical information with this, such as treatment plans or test results.
The assessment can be in person, by video call or on the phone.
You can have someone else with you, for example a friend or support worker.
If you have a Work Capability Assessment
After you've reported your health condition or disability or a change in circumstances, you may need to have a Work Capability Assessment.
You might not get a Work Capability Assessment if you earn over £881 a month.
If you have a Work Capability Assessment, you'll be sent a decision afterwards that says if you:
- are fit for work (also known as 'capable for work')
- need to prepare to work in the future, but have limited capability for work
- have limited capability for work and work related activity
- have limited capability for work and work related activity and have a severe, lifelong health condition
The decision affects whether you'll get an extra amount of Universal Credit and how much you'll get.
You can still work if you feel able to, even if you're told that you have limited capability for work or need to prepare for work in the future. You can earn up to a certain amount (under £881 a month) without it affecting the amount of Universal Credit you get. This is called a 'work allowance'.
The audio of your assessment will be recorded. If you do not want it recorded, contact your health assessment provider using the details in your invitation letter.
If you're fit for work
You'll need to agree to look for work that is suitable for your health condition.
You'll get the standard allowance of Universal Credit based on your circumstances.
You will not need to get another fit note unless your ability to work is restricted by either:
- your health getting worse
- a new health condition
If you need to prepare to work in the future
You need to prepare to work in the future, but have limited capability for work now. You can work if you feel able to do so.
Your work coach will discuss your situation and agree steps to help you start preparing for work. For example, by writing a CV.
You do not need to get any new fit notes.
If you have limited capability for work and work related activity
You do not need to look for work or prepare for work. You do not need to get any new fit notes.
You can work if you feel able to do so.
You may get extra money as well as your standard allowance. The amount depends on how severe your health condition or disability is.
Your claimant commitment
You'll need to agree to do certain things to keep getting Universal Credit. This is known as your 'claimant commitment'.
Your commitment is based on your situation and may be affected by the decision after your Work Capability Assessment.
Reassessments
You'll get a letter if you need another assessment in the future.
If you start working, you will not need to have another assessment unless your health condition changes.
Housing Benefit (HB) and Council Tax Reduction (CTR)
Swansea Council
Other councils have their own rules; check with your local council.
https://www.swansea.gov.uk/benefitforms (Accessed August 2026)
If you are on a low income, you may be able to apply for Housing Benefit to help with rent costs and/ or Council Tax Reduction to help with council tax costs.
Will I qualify for benefits?
You can use an online benefits calculator to work out an estimate of whether you are likely to qualify for a reduction in council tax.
You can only make a new claim for Housing Benefit if one of the following apply:
- Live in temporary accommodation or certain types of supported accommodation,
- Are a single pensioner or a part of a pensioner couple where you are both of Pension Credit qualifying age
- A mixed age couple* where Pension Credit has been in continuous payment to you both since 14/05/2019 or earlier
- A mixed age couple* where Pension Credit or Housing Benefit has been in continuous payment to you both since 14/05/2019 or earlier if you have changed address
*A mixed age couple is a couple where one is of State Pension Credit qualifying age and one is working age.
How do I claim?
If you want to make a claim for Housing Benefit and/or Council Tax Reduction, you need to fill in an online application form.
Make a claim for Housing Benefit and/or Council Tax Reduction using our online benefits form
If you have been placed in bed and breakfast accommodation (B&B) by our Housing Options team, you can make a telephone claim for Housing Benefit for that accommodation through your caseworker on 01792 533100.
What evidence has to be provided with the application form
You will usually need to provide proof of:
- National Insurance numbers for you and your partner
- identity for you and your partner
- capital, savings and investments
- earnings
- any other income
- benefits, allowances or pensions
- your tenancy/contract and any rent you pay (unless you are a council tenant/contract holder) if you are claiming Housing Benefit
If you need to hand in original documentation in support of a new or existing benefit claim or have a complex query that you would like to discuss face to face, please visit Y Storfa, 277-278 Oxford Street, Swansea, SA1 3EL.
If for any reason you cannot submit the application form straight away, you can still tell us you intend to claim by completing this form.
Send us electronic copies of documents as evidence for a benefits claim
Things to remember
- The date your benefit will start from depends on when we receive your application form
- Provide all the supporting evidence we ask for. We may not be able to pay your benefit until we have seen all the evidence needed
- If you need to apply for Housing Benefit and Council Tax Reduction, the same form is used for both, so you only need to complete it once
- We cannot award Housing Benefit or Council Tax Reduction unless you make a claim
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