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Are you missing out on unclaimed benefits?

Policy in Practice estimates that a staggering £23 billion of income-related benefits and social tariffs will not be claimed across Great Britain in 2024. Ensuring that income is maximised through the take-up of benefits is vital to helping individuals on low incomes face rising living costs.

The UK benefits system can be complex, and it may feel overwhelming to use it for the first time or to determine whether your benefits will change due to circumstances.

Why are benefits going unclaimed?

  • Gap in knowledge: Many individuals are simply unaware that certain benefits are available to them or even assume that they are unlikely to be eligible so do not check. In some cases, benefits, such as social tariffs and local support, including council tax reduction, need to be applied for separately, so they miss out on these. Benefits may not be applied for due to a lack of knowledge and stigma – such as pension credits for retired individuals, carer allowances and mental health issues providing a barrier to applying.
  • The stigma of benefits: Unfortunately, the stigma attached to receiving government assistance remains a significant barrier for many individuals who need help the most. This can actively discourage people from applying for benefits. 
  • Complexity of application: Applying for benefits can be a daunting process especially for those under stress due to their circumstances already, and many individuals become overwhelmed at having to input all of their data to see if they are entitled and then progress into the application process. We would recommend asking for help from a trusted family member or friend if the application online is a barrier to applying.

Check your entitlement

You should always check to make sure you’re getting the benefits you’re entitled to. You may be entitled to additional benefits that could help you greatly with housekeeping costs, bills, childcare and more.

It’s important to not presume that because no one has told you that you’re entitled to a certain benefit or allowance, you’re not eligible. Some benefits, such as Child Tax Credits, rely on you making a claim and won’t be given to you unless you do so.

To check if you are entitled to any benefits, speak to the welfare benefits adviser at your local Citizen’s Advice Bureau or use our free online benefits calculator.

The calculator is free to use, and the details you provide are anonymous. Before you start, make sure you have information about your savings, income, pensions and existing benefits (for you and your partner). 

What you can do next

If you are struggling with debts call PayPlan on 0800 072 1206. They're open from 8am–8pm Monday to Friday and 9am–3pm on Saturdays.

Alternatively, visit their website to speak to them via live chat or for more information.