Confusion about benefits can keep us from getting what we’re entitled to—and that’s exactly what some might prefer.
When it comes to benefits, there are winners and losers. But when we miss out, sometimes it’s the government on the make. If it’s in their interests not to tell us what we ought to know, how do we tell fact from fiction? Quids in! says, ‘Follow me, my friend…’
Myth 1: PIP is Means-Tested
Truth: Personal Independence Payment (PIP) isn’t means-tested. That’s right – our income or savings do not affect our eligibility. This benefit is specifically to help with costs associated with long-term health conditions or disabilities. The focus of the assessment is on how our condition impacts daily life and mobility, not our financial situation.
Myth 2: We Cannot Claim Universal Credit if We’re Working
Truth: Think you can’t claim Universal Credit (UC) if you’ve got a full-time job? Think again! The reality is, we can absolutely keep receiving UC while clocking in at work. In fact, UC was designed with one main goal in mind: to ensure we’re better off in work. So, rather than shying away from work out of fear of losing benefits, let’s embrace the opportunity to improve our financial situation.
Myth 3: Carer’s Allowance Can Only Be Claimed by Family Members
Truth: Carer’s Allowance isn’t just for family members. Anyone who puts in at least 35 hours of care each week for someone with a qualifying disability can claim it—no family ties needed. That means friends, neighbours, and anyone stepping up to help are in the game!
Myth 4: Disability Benefits are Only for People with Visible Disabilities
Truth: Disability benefits aren’t just for those with visible disabilities. If we’re dealing with mental health issues, chronic illnesses, or other impairments that impact our daily lives, we could still qualify. It’s all about the effects on our living and mobility, not just what’s on the surface.
Myth 5: Tax Credits and Child Credits Aren’t Benefits
Truth: Tax credits, including child tax credits, are indeed benefits. Designed to lend a financial hand, especially to low-income families, these credits are vital in the benefits landscape. Ignoring them means ignoring crucial support
Myth 6: We Can’t Escape a Benefit Cap by Working
Truth: Think you’re stuck under the benefit cap? Think again. By boosting our income through work, we can often dodge the cap, unlocking even more support. Plus, Working Tax Credit (WTC) doesn’t count towards this limit, meaning we can boost our earnings without losing other benefits. So, instead of fearing the system, let’s take advantage of it.
Myth 7: Benefits Automatically Adjust to Reflect Changes in Circumstances
Truth: Benefits don’t just automatically adjust to changes in our lives. It’s on us to report any shifts in income, living arrangements, or household make-up. Keeping the authorities in the loop is key to ensuring we get the right amount of support.
Having debunked these common myths, it’s time to confidently claim what we’re rightfully entitled to! Check out which benefits to claim using our free Benefits Calculator.
Image: Kraken Images / Shutterstock
