Benefits

Knowing What Benefits You Are Entitled To

A couple are shown calculating benefits they may be entitled to

There are many different benefits available in the UK, and the ones that you’re entitled to chiefly depend on your personal circumstances (such as your age), the number of hours you work (if any), and how much money you earn. Benefits are paid through a bank account and are usually deposited every fortnight (although Universal Credit is paid every month). In this article we examine:

  • What benefits you’re entitled to
  • How you can claim benefits
  • The child benefit in the UK
  • When child benefit stops

What benefits am I entitled to?

One way to find out what benefits you’re entitled to is to visit an advisory service in person like Citizens Advice. Alternatively, the easiest way is to go online and use a benefits calculator. These calculators are free to use and are completely anonymous.

The official benefits calculator can show you the benefits that you are entitled to

In order to ensure that the information given to you about your eligibility is as accurate as possible, you’ll need to have some documentation ready. You’ll need to enter key financial details such as:

  • Any savings you hold
  • Any income (including that of your partner if you live together)
  • Any existing pensions/benefits you and/or your partner receive
  • Your outgoing expenses (such as housing costs)
  • Your Council Tax bill

The calculator will tell you which benefits you’re entitled to, how to claim for them, and what would happen to your benefit payments if your personal circumstances changed (such as starting a new job).

How can I claim benefits?

The way you claim for UK state benefits depends on the type of benefit. You can apply for benefits such as JSA (Jobseeker’s Allowance), Income Support and ESA (Employment & Support Allowance) through a visit to your local JobCentre Plus though you can also apply for JSA online. The quickest way to make a claim for the new-style ESA is by phone, but this depends on which type you’ll be receiving.

Parents are shown with their young child for whom they are claiming child benefit

In order to claim for Universal Credit, you must create an account online and fill in all the necessary information about your personal and financial circumstances. You may then be contacted to attend an interview with a work coach at your local JobCentre Plus.

How can I claim child benefit?

As soon as you’ve registered a new birth (or your child has come to live with you permanently), you can claim for child benefit using the Child Benefit claim form CH2. Once completed, you should send it to the Child Benefit Office (whose address is on the form).

When does child benefit stop?

Child Benefit is paid for every child under the age of 16 who lives permanently in the UK. It’s also paid for children under 20 who are in approved education, training or a government-sponsored career service. If a 16- or 17-year-old leaves education for the armed services, the payment continues for another 20 weeks. However, it stops as soon as a young person starts working for more than 24 hours a week, is no longer in education/training and/or starts receiving benefit in their own right.

About the author

Megan Walsh

Megan, a former employee of over 20 years in the insurance industry, is devoted to sharing her valuable insights on familymoney.co.uk

Apart from her interest in insurance, Megan also enjoys painting, gardening and keeping up with current affairs.

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