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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 at work, and those claiming benefits.

Updated 21st July 2021. 

 

If your employer has less or no work for you because of coronavirus

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.

You might also be able to get:

  • New Style Jobseeker’s Allowance (JSA)if you’re under State Pension age, you usually work less than 16 hours a week and have made enough National Insurance contributions over the last 2 to 3 years
  • Universal Credit if you or your partner are under State Pension age and you have less than £16,000 in savings – you might be able to get it at the same time as New Style JSA
  • Pension Credit if both you and your partner have reached State Pension age

 

If you’re off work because you’re shielding

If you’re clinically extremely vulnerable, or at the highest risk of severe illness from coronavirus, you should follow public health guidance about working.

If the guidance says that you should not attend work, and it’s not possible for you to work from home, your employer could get a Coronavirus Job Retention Scheme grant to help them to carry on paying you. This is known as being put ‘on furlough’ and means that you’ll get at least 80% of your normal pay.

If your employer does not put you on furlough, they might give you Statutory Sick Pay (SSP).

You might be able to get:

  • New Style Employment and Support Allowance (ESA)if you cannot get SSP, you’re under State Pension age, and you have made enough National Insurance contributions over the last 2 to 3 years – you could also get it if your child is shielding
  • Universal Credit if you or your partner are under State Pension age and you have less than £16,000 in savings – you might be able to get it at the same time as SSP or New Style ESA
  • Pension Credit if both you and your partner have reached State Pension age – you might be able to get it at the same time as SSP

 

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

Tell your employer if you have coronavirus symptoms or are self-isolating. You should work from home if you can and are well enough. If you cannot work from home, you might be able to get:

  • a one-off payment if you’ve been told to self-isolate – there are different schemes in EnglandNorthern Ireland, Scotland and Wales
  • Statutory Sick Pay (SSP)from your employer
  • New Style Employment and Support Allowance (ESA)if you cannot get SSP, you’re under State Pension age, and you have made enough National Insurance contributions over the last 2 to 3 years – you could also get it if your child has symptoms or is self-isolating
  • Universal Credit if you or your partner are under State Pension age and you have less than £16,000 in savings – you might be able to get it at the same time as SSP or New Style ESA
  • Pension Credit if both you and your partner have reached State Pension age – you might be able to get it at the same time as SSP

 

If you have caring responsibilities because of coronavirus

If you have caring responsibilities because of coronavirus, you might not be able to work all or any of your usual hours. This might be because schools or childcare facilities are closed or you’re caring for a vulnerable person at home.

Your employer 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.

You might also be able to get:

  • Universal Credit if you or your partner are under State Pension age and you have less than £16,000 in savings
  • Pension Credit if both you and your partner have reached State Pension age
  • Carers Allowance if the person you care for is getting certain benefits – you might be able to get it at the same time as Universal Credit or 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 for information about self isolating

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 

 

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