Topic 2 - How the state can help

Topic 2 - How the state can help

1. Types of benefits

   • Personal Independence Payment
     • 16-64 long-term illness or disability
       • Over 65 = attendance allowance
   • Statutory Sick Pay
     • Sick for 4+ days, 28 weeks of pay higher rate if over 25.
   • Jobseekers allowance
     • (18+, work less than 16 hours a week, actively looking for work, less than £16K)
   • Housing Benefit
     • Can be reduced": high rent, social housing or savings more than £6K

2. Sources of financial advice

   • Money Advice Service (MAS)
   • Citizens Advice
   • The Money Advice Trust (MAT)
   • Local council debt counselling services
   • Step change debt charity
   • Payplan

3. What benefits will be replaced by universal credit?

   • Income based JSA
   • Income related ESA
   • Income support
   • Housing Benefit
   • Child Tax Credit
   • Working Tax Credit

4. Sources of financial advice

   • Money Advice Service
   • Citizens Advice
   • Money Advice Trust
   • Local debt counselling services
   • Stepchange
   • Payplan