SAME DAY DISPATCH...

On 100's of Our Products, Orders Placed Before - 2.00 pm

Merry Christmas from the team at The Ramp People

BLACK FRIDAY - 10% OFF EVERYTHING!

USE CODE: BF2024

BLACK FRIDAY - 10% OFF Sitewide!

Ends: MIDNIGHT Tomorrow | USE CODE: BF2024

BLACK FRIDAY - 10% OFF EVERYTHING!

Ends: MIDNIGHT | USE CODE: BF2024

DEAL OF THE WEEK | 15% OFF | SHOP NOW

AUGUST BANK HOLIDAY SALE

UP TO 25% OFF | SHOP NOW

AUGUST BANK HOLIDAY SALE

UP TO 25% OFF | Ends Tomorrow | SHOP NOW

AUGUST BANK HOLIDAY SALE

UP TO 25% OFF | Ends Midnight | SHOP NOW

NEW - Buy Now, Pay Later for business with... Mondu

T&Cs apply. Learn about Mondu

SPRING SALE | UP TO 40% OFF | SHOP NOW

NEW - Buy Now, Pay Later for business with... Mondu

T&Cs apply. Learn about Mondu

What Disability Benefits Can I Claim in the UK?

We often focus on the emotional and psychological effects of living with a disability but the fact is there are also significant financial concerns. Whether it is everyday support from a carer or special equipment to make the home more liveable, living with a disability can be extremely costly. Fortunately, the government offers a wide range of allowances, grants and tax reliefs to help with these costs. We’re going to look at the main disability and sickness benefits but remember there are plenty of other benefits you can get in addition to these, including vehicle and housing benefits.

Why disability benefits are so important

Compared to those living without one, people with a disability are much more likely to struggle financially. The costs associated with having a disability can quickly pile up, from care and support to special equipment. This means that a substantially higher proportion of people who live in families with disabled members live in poverty compared to those where no one is disabled. The Joseph Rowntree Foundation found in 2023/24 the poverty rate was higher for families that include a disabled adult or child. Where no one in the family was disabled, the poverty rate was 18%, where the household had disabled adults, the poverty rate was 28%. This means people living with a disability can struggle to afford even everyday items as well as leisure activities. While no one is happy when they can’t spend time or money on leisure activities or getting about, for those with a disability this can be even more of a struggle as it diminishes their already limited sense of freedom and mobility. Ensuring people with a disability can afford these things are just as important for their happiness as it is for their practical well-being.

Main disability and sickness benefits

There are a few main disability benefits available to people with disabilities. Most of them are determined by your age but can also depend on your circumstances, such as whether you are employed. While there are further additional benefits that can apply on top of these, they are the core benefits that are accessible to anyone with a disability, as well as a separate benefit for carers looking after someone with a disability.

Personal Independence Payment (PIP) 

Personal Independence Payment (PIP)replaced Disability Living Allowance (DLA). PIP is designed for those with a long-term physical or mental health condition or disability. You must be aged 16 or over to claim PIP and usually be under State Pension age when making a new claim. You must expect to have difficulties for at least 12 months. You can get PIP even if you are working.

PIP is made up of two components: the daily living component and the mobility component. The daily living component helps with everyday activities, while the mobility component helps with difficulties getting around. Eligibility is based on how the condition affects daily living and mobility, rather than simply having a particular diagnosis.

The amount you receive depends on your abilities. For 2026/27, the daily living component is £76.70 or £114.60 per week, while the mobility component is £30.30 or £80.00 per week.

If you’re nearing the end of life (for example, due to a life-limiting illness) you might be able to get Personal Independence Payment (PIP) more quickly and at a higher rate. This is sometimes called ‘special rules for end of life’.

man in self-propelled wheelchairman in self-propelled wheelchair

Attendance Allowance 

Attendance Allowance is designed for those with a disability who are State Pension age or older.

For 2026/27, Attendance Allowance is £76.70 or £114.60 per week. It helps with the extra costs of personal care if you need help looking after yourself or supervision to stay safe. It does not cover mobility needs.

Those in Scotland need to apply for Pension Age Disability Payment instead of Attendance Allowance.

Lady in wheelchairLady in wheelchair

Employment and Support Allowance

Employment and Support Allowance (ESA) can provide financial support if an illness or disability affects your ability to work. You can usually claim New Style ESA if you’re employed, self-employed or unemployed, provided you meet the eligibility requirements. A Work Capability Assessment is used to assess how your health condition affects your ability to work.

You may receive up to £95.55 a week if you’re in the work-related activity group and up to £145.90 a week if you’re in the support group (2026/27 rates).

You could get Universal Credit at the same time or instead of New Style ESA.

Business meeting in office Business meeting in office

Carer’s Allowance

Carer’s Allowance is extra money to help you look after someone with substantial caring needs. You usually need to care for them for at least 35 hours a week, and the person you care for must receive a qualifying disability benefit. For 2026/27, Carer's Allowance is £86.45 a week, subject to eligibility. You do not get any extra funds if you are looking after more than one person.

Carer’s Credit is also available so there are no gaps in NI record if you have to take on a caring responsibility.

Depending on additional circumstances you might also be able to get:

Lady helping get a lady dressed Lady helping get a lady dressed

Universal Credit

Universal Credit helps with your living costs. You may be entitled to claim if you're on a low income, out of work or are unable to work.

Universal Credit is replacing Housing Benefit and income-related Employment and Support Allowance (ESA).

To claim you must live in the UK and be under State Pension age. You normally need to be 18 or over to claim Universal Credit, although some 16 and 17-year-olds may be eligible in specific circumstances. You usually cannot claim Universal Credit if you have more than £16,000 in savings or investments. If you live with a partner you will both need to claim Universal Credit. You must make a joint claim for your household, even if your partner is not eligible.

Students with disabilities can claim Universal Credit if you’re in full-time education, and have been assessed as having limited capability for work by a Work Capability Assessment before starting your course.

Amputee by seaside Amputee by seaside

Other financial help for disabled people

  • Council tax reductions - Those with disabilities may qualify for a council tax bill reduction or, for those with severe mental impairments, a 100% discount. 
  • Blue Badge - A Blue Badge allows those with disabilities to park in disabled parking bays or on yellow lines where it is safe to do so. 
  • Access to Work - Financial support to help you stay in work, the scheme can help pay for specialist equipment, support workers and adaptations.
  • Free vehicle tax - If you are a driver with a disability, you usually will not need to pay vehicle tax.
  • Concessionary free bus pass - In the UK, the majority with disabilities can apply for a free bus pass. Note, time restrictions may apply. 
  • RADAR Key - Whilst not financial help, a RADAR key is a lifeline to many disabled users who need to quickly access the toilet or need to access a larger, spacious toilet. 
  • Free Carer Tickets - Many venues offer free tickets for a helper or carer, including at cinemas, music events and theatre shows. 
  • VAT Relief - If you are disabled or have a long-term health condition and meet the relevant conditions, you may be able to purchase certain qualifying mobility aids and accessibility equipment at 0% VAT for personal or domestic use. The product and your circumstances must meet HMRC's conditions for VAT relief. Building work to make your home more accessible may also qualify in certain circumstances.
  • Free Mobility Aids - The council can undertake an assessment of your home and provide equipment to support you, such as wheelchairs, walking aids, alarms and adaptations. 
  • Disabled Facilities Grant - A grant from your council to make changes to your home such as widening doors, installing ramps and rails or improving access to your bathroom or garden. 
  • Disability Living Allowance (DLA) for children - Designed to assist with the extra costs of looking after a child who is under 16 and has difficulties walking or needs more help than other children of the same age who do not have a disability. The amount can vary between £30.30 to £194.60 a week depending on the child's needs. 

Citizens Advice are available to provide dedicated advice around what benefits you can claim based on your circumstances. 

There is a benefits cap in place around the total amount of benefits you can receive. Whether the cap applies depends on your circumstances and the benefits you receive.

Know your benefits

Many of the benefits available can be awarded in addition to each other as long as the eligibility is met, so don’t be afraid to look around and ask what other benefits you might be eligible for. There are plenty of charities and public bodies like Citizens Advice that can help you navigate the benefits system. There are also benefits calculators to help you work out what you could get.

Frequently Asked Questions About Disability Benefits

Can I claim PIP if I am working?
Yes. You can claim PIP if you are working. PIP eligibility is based on how your condition affects your daily living activities and mobility, rather than whether you are employed.
Can I claim PIP if I have savings?
Yes you can still claim PIP no matter you savings. PIP is not affected by your savings.
How are disability benefits paid?
Disability benefits are paid into your bank, building society or credit union account.
What is the difference between PIP and Attendance Allowance?
PIP is generally available to working-age people who meet the eligibility requirements and have difficulties with daily living or mobility. Attendance Allowance is for people who have reached State Pension age and need help with personal care or supervision.
Can I get financial help with home adaptations?
You may be able to get financial help towards adaptations that make your home safer or easier to use. Depending on your circumstances, this could include a Disabled Facilities Grant or support from your local council.
How do I find out what disability benefits I can claim?
You can use the gov.uk benefits calculator to check what benefits and financial support you may be entitled to. Citizens Advice can also provide guidance on your eligibility.
How much savings can I have on disability benefits?
There is no single savings limit for all disability benefits, as the rules depend on the benefit you are claiming. Personal Independence Payment (PIP) is not means-tested, so your savings do not normally affect your eligibility. Universal Credit is means-tested. You usually cannot claim Universal Credit if you have more than £16,000 in savings and investments.
What conditions qualify for PIP?
There is no specific list of conditions that automatically qualify you for Personal Independence Payment (PIP). You may be eligible if you have a long-term physical or mental health condition or disability that affects your ability to carry out everyday activities or get around. Your eligibility is based on how your condition affects you, rather than a diagnosis. Conditions that may affect PIP eligibility include physical disabilities, sensory impairments, neurological conditions, mental health conditions and long-term illnesses.

Request a callback

Still need assistance? Our team is available throughout the week to help via phone, email, live chat or WhatsApp. If you’d rather we call you, you can easily request a callback here.