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your money

We’re here to help

If you have any concerns about managing your money, please contact us. Our team are specially trained to offer expert money guidance and have helped hundreds of customers to manage their money well and deal with debt. You can get in contact with them by calling 0300 561 1111 or emailing contact@irwellvalley.co.uk 

 

We understand that you may be worried about the impact this may have on your finances. Please see below the latest information from the government for people in work, and those claiming benefits.

Updated 6th January 2021 

 

What to do if you are employed and cannot work due to coronavirus  

If your employer has less or no work for you because of coronavirus (you’ve been put on furlough) 

If your employer has less or no work for you because of coronavirus, they could get a Coronavirus Job Retention Scheme grant to help them to carry on paying you. 

This is known as being put ‘on furlough’ or ‘on flexible furlough’, and means that you’ll get at least 80% of your normal pay.  

If your income is reduced because of these changes, you might be able to get regular payments to help.  

Check what regular payments you could get. 

Regular payments if your workplace is closed or you have reduced hours 

If your workplace has been told to close, or your employer has less work for you than normal, you might be able to get New Style Jobseeker’s Allowance (JSA), Universal Credit or Pension Credit. 

 

New Style Jobseeker’s Allowance (JSA) 

You could get New Style JSA if: 

  • you usually work less than 16 hours a week 
  • you’re under State Pension age 
  • you have made enough National Insurance contributions over the last 2 to 3 years 

Your savings and partner’s income will not affect how much you get. You might be able to get New Style JSA at the same time as Universal Credit. 

Find out more or apply for New Style JSA. 

 

Universal Credit 

You could get Universal Credit if: 

  • you have less than £16,000 in savings 
  • you or your partner is under State Pension age 

If you’re already getting tax credits, they will stop when you or your partner applies for Universal Credit.  

You might be able to get Universal Credit at the same time as New Style JSA. Depending on your circumstances, Universal Credit can include additional amounts for things like rent or the costs of raising children. 

Find out more or apply for Universal Credit. 

 

Pension Credit 

You could get Pension Credit if: 

  • you and your partner have both reached State Pension age 
  • your weekly income is below £173.75 (for single people) or £265.20 (for couples) 

You might still be able to get it even if you have savings, have a pension or own your home.  

Find out more or apply for Pension Credit. 

 

If you’re off work because you have coronavirus symptoms, or are self-isolating or shielding  

Tell your employer if you have coronavirus symptoms, or are self-isolating or shielding. 

 

If you cannot work from home 

You should work from home if you can. If you cannot work from home, you might be able to get: 

  • Test and Trace Support Payment 
  • Statutory Sick Pay (SSP) 
  • New Style Employment and Support Allowance (ESA) 
  • Universal Credit 
  • Pension Credit 

 

Test and Trace Support Payment 

Your local council might be able to give you £500 if: 

  • you’ve been told to self-isolate 
  • you live in England 
  • you’re on a low income 
  • you cannot work from home and will lose income as a result 

Find out more or apply for a Test and Trace Support Payment. 

 

Statutory Sick Pay (SSP) 

You may be able to get Statutory Sick Pay (SSP) from your employer for every day of work you miss because of coronavirus. If you’re off work for 7 or more days, your employer may ask you to provide proof that you are self-isolating because of coronavirus. 

You may be able to get Universal Credit or Pension Credit at the same time as SSP. The amount you get may be reduced by the amount of your SSP. 

Check if you’re eligible for SSP. 

 

New Style Employment and Support Allowance (ESA) 

You might be able to get New Style ESA if either: 

  • you have a disability or health condition that affects how much you can work 
  • you or your child has coronavirus, is self-isolating or is shielding 

You can apply for it if: 

  • you cannot get SSP 
  • you’re under State Pension age 
  • you have made enough National Insurance contributions over the last 2 to 3 years 
  • you’re employed, self-employed or unemployed 

Your savings and partner’s income will not affect how much you get. You might be able to get Universal Credit at the same time as New Style ESA. 

Find out more or apply for New Style ESA. 

 

Universal Credit 

You could get Universal Credit if: 

  • you have less than £16,000 in savings 
  • you or your partner is under State Pension age  

If you’re already getting tax credits, they will stop when you or your partner applies for Universal Credit. 

You might be able to get Universal Credit at the same time as SSP or New Style ESA. Depending on your circumstances, Universal Credit can include additional amounts for things like rent or the costs of raising children. 

Find out more or apply for Universal Credit. 

 

Pension Credit  

You could get Pension Credit if: 

  • you and your partner have both reached State Pension age 
  • your weekly income is below £173.75 (for single people) or £265.20 (for couples) 

You might still be able to get it even if you have savings, have a pension or own your home. You can get Pension Credit at the same time as SSP. 

Find out more or apply for Pension Credit.

 

more information about the financial support that the government is making available can be found here:

click here for information about statutory sick pay  

click here for information about claiming universal credit

click here for information about employment support allowance 

click here for information if you are self employed 

click here to get a self isolation note for your employer 

click here for information about your rights if your hours are cut or you are laid off 

click here for information about what to do if your children usually get free school meals 

click here for information about support for businesses 

 

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