Money matters

L&Q’s money advisor, Grace Ayemoba, shares her tips for how to manage your money.

Help for people with an illness

Far too many people are suffering in silence, whether it’s with a disability, mental illness or general ill health. Don’t add financial hardship to your woes – you may be able to claim help with the extra costs associated with your condition.

There is a benefit you can claim called Personal Independence Payment, or PIP for short. It looks at how your illness affects you and how much help you need to do certain activities.

It doesn’t matter whether you are working or unemployed – it’s a points-based system and your entitlement is determined by your total score.

What is PIP?

Under PIP, you may be entitled to between £23.20 and £148.85 each week.

PIP has two sections:

  • Daily living is for the extra help you need with everyday tasks, such as washing, getting dressed, using the toilet, preparing food, making budgeting decisions or communicating and mixing with other people.
  • The mobility section considers any extra help you need for getting around, such as walking, planning a journey or following a route.

Who can claim PIP?

If you are over 16 years old and have not yet reached state pension age, you may be entitled to claim.

PIP is not means tested or based on National Insurance contributions. It doesn’t matter how much you earn, how much you have in your bank account or whether you have a job. It’s not about your illness, but how your condition affects you.

How to claim PIP

You can claim in four easy steps.

Step one

Phone the Department for Work and Pensions (DWP) on 0800 917 2222 and listen carefully to the recorded message. It will tell you what information you need to start your claim. They’ll post a form to you.

Step two

Fill out the claim form and send it with any supporting medical evidence to the address given.

Step three

You will be invited to a face-to-face meeting where a healthcare professional will assess your claim. If you are very ill, this can be done at your home.

Step four

Your application is scored and you will be notified of the decision in writing. If your claim is denied, you can ask the DWP to look at it again. After that, if the decision remains the same, you can appeal to an independent tribunal.

Although pursuing an appeal can be exhausting, time consuming and sometimes frustrating, don’t be deterred. Recent statistics show that 73% of PIP applications originally refused by the DWP were successful at their tribunal appeal.

If your tenancy is at risk, or you need help with PIP or any other benefit, please contact our Tenancy Sustainment team by emailing