Cost of Living - Financial Support
Please see below a range of financial support schemes introduced by the UK Government to help households with the increased cost of living.
Disability Cost of Living Payment
From 20th September 2022, 6 million people who are paid certain disability benefits received an automatic one-off £150 payment. The payment will help disabled people with the rising Cost of Living acknowledging the higher disability-related costs they often face, such as care and mobility needs.
This is in addition to the £650 Cost of Living Payment for disabled people who also receive means tested benefits.
Check if you’re eligible for the Disability Cost of Living Payment
Pensioner Cost of Living Payment
In the winter months pensioners can get between £100 and £300 to help pay heating bills.
This winter, they will also receive an extra one-off £300 Pensioner Cost of Living Payment, which will be paid as an automatic top-up to the Winter Fuel Payment.
Check if you’re eligible for the Winter Fuel Payment
Council Tax rebate
If you live in Council Tax bands A to D in England you’ll get £150 back from your Council Tax bill (4 out of 5 households in England).
For most people the rebate is automatic, however if you don’t pay your Council Tax by direct debit then get in touch with your Council.
More information on the Council Tax rebate
Household Support Fund
£1.5 billion has been made available to support the most vulnerable to cover their essential daily costs, like energy bills. Recipients include pensioners and families with children.
Local authorities can also issue food vouchers to families during the school holidays.
Contact your local Council to check if you’re eligible for the Household Support Fund
Budgeting loans
You may be eligible for a Budgeting Loan if you’ve been on certain benefits for 6 months. This can be used for household items, rent in advance and travelling costs.
Check if you’re eligible for a Budgeting Loan
Cheaper phone and broadband
You may be eligible to move onto a social tariff if you’re struggling to afford your broadband or phone services.
Check the Ofcom website to see if you can switch to a social tariff
Help paying your Water Bill
Many water companies run hardship schemes or fund independent charitable trusts which can help you pay your bills.
Get support paying your Water Bill
TV Licence fee freeze
The TV licence fee has been frozen at £159 until 2024. This means households will not see any change to the licence fee until 1 April 2024.
Find out more information on free TV Licence for over 75‘s
Get help with all or part of your rent
You may get help with all or part of your rent.
There’s no set amount of housing costs support and what you get will depend on whether you rent privately or from a council or housing association.
Use a benefits calculator to find out if you can get benefits to help pay your rent
Universal Credit if you’re unemployed or on low income
If you and/or your partner are responsible for paying rent for the home you live in, or if you have a mortgage, Universal Credit may provide help towards the cost.
Check if you are eligible for Universal Credit
Housing benefit
Housing Benefit can help you pay your rent if you are state pension age or you’re in supported, sheltered or temporary accommodation
Check if you are eligible for Housing Benefit
Support for additional housing costs
You may be able to get support for additional housing costs if you’re already claiming Housing Benefit.
Contact your local Council to find out what support you can get
Council Tax support schemes
Councils run support schemes to help people on low incomes with their Council Tax bill.
Contact your local Council to find out what support is available
Discretionary Housing Payments
If you are on certain benefits you may be eligible for Discretionary Housing Payments which provide financial support to help with rent or housing costs.
Check if you’re eligible for a discretionary housing payment
Energy Price Guarantee
From 1st October, a new ‘Energy Price Guarantee’ will mean a typical UK household will pay no more than £2,500 a year on their energy bill for the next two years. This is automatic and applies to all households.
This will save the average household at least £1,000 a year based on current energy prices from October and is in addition to the £400 energy bills discount for all households.
This applies to all households in Great Britain, with the same level of support made available to households in Northern Ireland.
Energy Bill Discount
£400 off energy bills for households in Great Britain from this October. This automatic, non-repayable discount will be applied in six instalments between October 2022 and March 2023 to help households through winter.
There is no need to apply for the scheme and you will not be asked for your bank details.
Cost of Living Payment
Households on means tested benefits, including Universal Credit, Pension Credit and Tax Credits, will receive a payment of £650 this year.
This will be made automatically in two instalments, one in summer and another in the autumn, and is in addition to the £400 discount on energy bills.
Winter fuel payments
In the winter months pensioners can get between £100 and £300 to help pay heating bills.
This winter, they will also receive an extra one-off £300 Pensioner Cost of Living Payment, which will be paid as an automatic top-up to the Winter Fuel Payment.
Check if you’re eligible for the Winter Fuel Payment
Energy Bill Price Cap
The energy price cap continues to insulate households from even higher global gas prices, so families continue to pay lower bills for their electricity and gas than they otherwise would without it.
Cold weather payments
£25 extra a week if you’re getting certain benefits is available during the winter when the temperature is zero or below for more than seven days.
Check if you’re eligible
Warm Home Discount
This autumn nearly three million low-income households are eligible for a £150 rebate on their winter electricity bills.
Check with your energy supplier to see if you are eligible