Many clients assume that long term sickness won’t happen to them, and even if it did, they would rely on state benefits to cover their loss of earnings. But the state often only provides limited help.
When it comes to Employment and Support Allowance (ESA), for clients who have made sufficient National Insurance contributions and are considered to have a chance of returning to some form of work, ESA will only pay out for 12 months. After that they will need to reapply and the benefit will be means tested.
You may be able to apply for other state benefits, including Income Support, Child Benefit and Child Tax Credits. However, the benefit cap restricts households to a maximum of £500 a week of means tested benefits.
The reality is that if your partner works, they have no children or they have savings, their entitlement to means tested benefits could be drastically reduced. In fact, clients with savings above £16,000 are unlikely to receive anything.
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