Mortgage Simplicity Ltd is an appointed representative of Julian Harris Mortgages Limited, Julian Harris House, Musgrove, Ashford, Kent, TN23 7UN, which is authorised and regulated by the Financial Conduct Authority.
Cooperage Way Business Village Cooperage Way Alloa
FK10 3LP
United Kingdom
Lack of Government Support for Long Term Absence and Ill Health
  • Call Us : 0845 838 1502 / 03330113157

Would you Qualify for Employment and Support Allowance?

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.

Contact for more Free Mortgage Advice.

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Important

Mortgage Simplicity Ltd is an appointed representative of Julian Harris Mortgages Limited, Julian Harris House, Musgrove, Ashford, Kent, TN23 7UN, which is authorised and regulated by the Financial Conduct Authority.

Julian Harris Mortgages Limited FCA Register number is 304155.

UK Financial Services

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk

Contact Us

Mortgage Simplicity Ltd
The E-Centre
Cooperage Way Business Village
Cooperage Way
Alloa
FK10 3LP

Tel: 0845 838 1502 / 03330 113157
Email:info@mortgagesimplicity.co.uk