Don’t struggle alone with your finances
Debt and money worries can have an overwhelming impact on your physical and mental health and overall wellbeing. So, we’ve teamed up with PayPlan who can help you with free, confidential financial advice. They help thousands of people every year who have had their finances impacted by relationship difficulties, or who have been too unwell to work.
Working in healthcare, you won’t necessarily work a normal ‘9–5’. PayPlan respect your schedule and will talk to you at a time and in the way that’s best for you.
They can help with different types of debt, including credit cards, loans, utlility arrears, mortgage arrears and council tax arrears.
Speaking with PayPlan will not affect your credit score. They will explain the options available to you, so you can decide how to deal with the situation. PayPlan will help you protect your home, your car if you have one, and find a debt solution that is affordable and sustainable. Contact PayPlan today.
Not sure what to expect when you call PayPlan? Ruth Samuel, Benevolent Grants Manager at the RCN Foundation, spoke with Antony Price, PayPlan Partnership Manager, about what their service provides.
Watch the Q&A below to get an idea of how the team can practically support you with challenges you may be experiencing, while recognising the emotional impacts that money worries can create.
PayPlan's money-saving tips for health care staff
The team at PayPlan are providing specialised tips for those experiencing hardship in a series of articles about money management. Read them here:
Check if you have unclaimed entitlements
An estimated £16 billion worth of benefit entitlement is unclaimed per year, and with changes to Universal Credit introduced during November 2021, working households are now more likely to qualify for Universal Credit than ever before. Don't assume that your income is too high to be entitled to Universal Credit.
Senior research economist Tom Waters said of the 2021 change to work allowance rates: 'Another 600,000 families will become entitled to at least some Universal Credit, bringing the total to seven million – a quarter of working-age families.
'It means that UC will now reach a long way up the earnings distribution – some families would still be entitled even if they became higher rate taxpayers.'
The RCN Foundation Benevolent Service find that Universal Credit and its additional elements, as well as Council Tax Support, Employment and Support Allowance and Personal Independence Payment, are among the benefits most frequently left unclaimed by nurses and nursing support workers who are eligible for benefits without realising.
The backdating rules mean that if a claim is made too late, you won't usually get the money back for previous months when you had been eligible.
You can check your estimated benefit entitlement online using a benefit calculator.
Citizen’s Advice have advice helplines. Calls are free from mobiles and landlines.
Adviceline (England): 0800 144 8848
Advicelink (Wales): 0800 702 2020
Advice for Scotland: 0800 028 1456
Advice for Northern Ireland: 0800 915 4604
For help or advice about claiming Universal Credit contact the Help to Claim Service. They can guide you through the claim and discuss with you if you’d be eligible for an ‘Advance Payment’ if you need money quickly during the early stage of your claim.
Help to Claim England: 0800 144 8 444
Help to Claim Scotland: 0800 023 2581
Help to Claim Wales: 08000 241 220
Universal Credit service centre Northern Ireland: 0800 012 1331.