Almost one in four families across Scotland, England, Wales and Northern Ireland will qualify for financial support from the UK Government's £37 billion support package to help them through the cost of living crisis this winter. However, if you are not eligible for a means-tested benefit, disability, or pensioner payment, you may still be able to access cash support.
The Scottish Government received £79 million from the UK Government's Household Support Fund, which has been distributed across all 32 local authority areas to provide financial help for Scots during the cost of living crisis.
If you are on a low income or certain benefits including Jobseeker's Allowance (JSA), Employment and Support Allowance (ESA) or Pension Credit and struggling financially due to an unexpected change in your circumstances, you may be eligible for support from your local council.
A Crisis Grant is a one-off payment that can provide much-needed cash during an emergency, but it cannot be given to support your income long-term. If you need help because you are on a low income, the quickest way to find out what financial support you may be able to claim is to use a benefits calculator.
These are independent, free and confidential and only take a few minutes to complete online - you can find out more about ones from Turn2Us, Advice Direct Scotland, entitledto and Policy in Practice at the end of this article.
If your total household income is £30,000 or less, you may be entitled to extra help, so don't dismiss using one of the benefits calculators because you think your income is above the average.
What is a Crisis Grant?
A Crisis Grant can be given to cover the costs of an emergency
Examples of this could include when:
- there is a fire or flood at home
- you have lost money
- an unexpected crisis happens
- you are a victim of domestic abuse and you need help with things like moving away from an abuser
- you are a grandparent or other relative who has taken over caring for a child, and you're waiting on a transfer of benefits
- you are facing a gap in your normal income because of a redundancy or change at work
Who is eligible for a Crisis Grant?
To get a Crisis Grant you need to be on a low income, however, this does not mean you need to be currently claiming benefits.
What counts as a low income
Guidance on Mygov.scot states: “There is no figure that will be used to judge whether you have a low income.”
As a guide, if you're on one of the benefits below, or your income is about the same as someone who is, it's more likely you will be able to get a Crisis Grant:
- Income Support
- Pension Credit
- Income Based Jobseeker's Allowance (JSA)
- Income Based Employment and Support Allowance (ESA)
- Universal Credit
What financial help is available?
If you do get a Crisis Grant, your local council will look at helping you with your most urgent living costs.
Some things this may include are help with the costs of:
- Food
- Heating costs
Many local councils have welfare rights advisers who can:
- tell you what benefits and other entitlements are available
- carry out checks so you don't miss out on any benefits
- help you complete forms
- give advice and support if your application for a benefit is turned down or you do not get the amount you were expecting
How to apply
You can apply directly to your local council through the Mygov.scot website here.
Online benefits calculators
You can use an independent benefits calculator to find out:
What benefits you could get
How to claim
How your benefits will be affected if you start work
These calculators are free to use, anonymous, and could indicate benefits you're missing out on.
Where to find help
Advice Direct Scotland
This new online tool is the first to fully integrate devolved benefits, including the Scottish Child Payment.
It provides a free and impartial assessment of entitlement to a range of benefits such as Universal Credit, crisis grants and support payments.
Turn2us
Information on income-related benefits, Tax Credits, Council Tax Reduction, Carer’s Allowance, Universal Credit and how your benefits will be affected if you start work or change your working hours
Policy in Practice
Information on income-related benefits, Tax Credits, contribution-based benefits, Council Tax Reduction, Carer’s Allowance, Universal Credit, how these are calculated and how your benefits will be affected if you start work or change your working hours
entitledto
Information on income-related benefits, Tax Credits, contribution-based benefits, Council Tax Reduction, Carer’s Allowance, Universal Credit and how your benefits will be affected if you start work
What you will need
You will need accurate information about your:
Savings
Income, including your partner’s
Existing benefits and pensions (including anyone living with you)
Outgoings (such as rent, mortgage, childcare payments)
Council Tax bill
To keep up to date with the latest benefits news, join our Money Saving Scotland Facebook group here, follow Record Money on Twitter here, or subscribe to our twice weekly newsletter here.
