The Cost of Living payments will help thousands of people with some much-needed financial help, especially with the colder months on their way. Millions of people have already received the first instalment with the second due to arrive soon.
The first means-tested payments from the Department for Work and Pensions (DWP) of £326 have been paid with another £324 coming this autumn.
The Liverpool Echo reports that people who are claiming Work Tax Credit or are receiving Child Tax Credit from HM Revenue and Customs (HRMC) will receive their payment of £326 in September, with the second round of support due to be made in the winter.
There are also payments of £150 for those on disability benefits and £300 which have been added to the Winter Fuel Payments for pensioners' households. There will also be £400 energy rebates.
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You could get up to three different types of payment depending on your circumstances on a certain date or during a particular period. Below is a list of ways to check if you are eligible.
£650 Cost of Living Payment
If you get a qualifying low income/means-tested benefit or Tax Credits - paid in two installments of £326 and £324
This is paid per claim, so a couple claiming would qualify for one payment
£150 Disability Cost of Living Payment
If you get a qualifying disability benefit
This is paid per individual claim
£300 Pensioner Cost of Living Payment
If you’re entitled to a Winter Fuel Payment for winter 2022 to 2023 this will be added to your entitlement
This is paid per claim, so a couple claiming would qualify for one payment
Examples of stacked support payments
If you are claiming Universal Credit and Personal Independence Payment, you will be eligible for £800 in support - £650 means-tested payment and the £150 disability payment.
A person of State Pension age, claiming Pension Credit and Attendance Allowance would be eligible for £1,100 in support - the £650 means-tested payment, £150 disability payment and the £300 pensioner payment.
July and autumn - £650 means-tested cost of living payment
As previously mentioned, this is paid in two installments of £326 and £324. Most people should have received their first payment by now, however, DWP recently said that more complex claims or those awaiting an award decision may be delayed.
It’s worth noting that older people making a new claim for Pension Credit before August 18, which is later successful - even if they are only awarded one penny in cash support - will qualify for the £650 payment. This is because it is a retrospective benefit that can be claimed three months in arrears, taking it to within the qualifying period in May (outlined below).
Qualifying benefits and Tax Credits
You may be eligible if you are in receipt of any of the following:
Universal Credit - you must have been entitled to a payment of at least 1p during the assessment period of April 26, 2022 to May 25, 2022
Income-based Jobseeker’s Allowance (JSA) - received a payment between April 26, 2022 to May 25, 2022
Income-related Employment and Support Allowance (ESA) - received a payment between April 26, 2022 to May 25, 2022
Income Support - received a payment between April 26, 2022 to May 25, 2022
Pension Credit - received a payment between April 26, 2022 to May 25, 2022
Child Tax Credit
Working Tax Credit
Special note about Tax Credits
The first cost of living payment of £326 will be paid in September.
To get the first Cost of Living Payment of £326, you must have been entitled, or later found to be entitled, for any day in the period April 26, 2022 to May 25, 2022 to:
A payment of Tax Credits
An annual award of at least £26 of Tax Credits
If you get both Child Tax Credit and Working Tax Credit, you will receive a cost of living payment for Child Tax Credit only. If you get Tax Credits from HMRC and a low-income benefit from DWP, your payment will be made by DWP.
If you only receive Tax Credits, you will get the first payment of £326 from HMRC in September and the second payment of £324 from winter 2022.
Which benefits are not eligible?
You will not be eligible for a payment if you get New Style Employment and Support Allowance, Contributory Employment and Support Allowance or New Style Jobseeker’s Allowance unless you also get Universal Credit.
September - £150 disability cost of living payment
To qualify for the payment, you must have received a payment (or later receive a payment) of one of these benefits on May 25, 2022:
Attendance Allowance
Constant Attendance Allowance
Disability Living Allowance for adults
Disability Living Allowance for children
Personal Independence Payment
Adult Disability Payment
Child Disability Payment
Armed Forces Independence Payment
War Pension Mobility Supplement
If you get a qualifying disability benefit from the Ministry of Defence (MOD) and a qualifying disability benefit from DWP, you will get one £150 payment from DWP only.
October - £400 energy rebate
All households with a domestic electricity connection across the UK are eligible for the £400 discount. There is no need to contact energy suppliers as it will be paid automatically. The £400 discount will be administered by suppliers and paid to customers over six months with payments starting from October 2022.
This discount will be applied as follows:
November - £66
December - £67
January - £67
February - £67
March - £67
The discount will be provided on a monthly basis regardless of whether consumers pay monthly, quarterly or have an associated payment card. If you do not receive the first instalment by the end of October, you should contact your energy supplier
November/December - £300 pensioner cost of living payment
All eligible pensioner households will get the one-off payment added as a top-up to their annual Winter Fuel Payment in November/December. To qualify, you must be of State Pension age (66 or above) during the qualifying week of 19-25 September 2022 and in receipt of the Winter Fuel Payment.
There are certain circumstances where an individual above State Pension age does not qualify for the second installment will be £324 bringing the total to £650.
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