Many people across the UK who live with a disability or long-term health condition may not realise they’re eligible for extra financial help. In fact, some individuals could be missing out on as much as £1,149 a month because they simply don’t know what’s available to them.
The Department for Work and Pensions (DWP) offers several benefits that, when combined, can significantly ease the financial burden of living with health-related challenges.
Let’s walk through how these benefits work and who qualifies.
Benefits
According to the latest figures, 7.5 million people across England, Scotland, and Wales were receiving Universal Credit as of January. But many of these claimants—especially those with physical or mental health conditions—may be eligible for more support and not even realise it.
That’s because, in addition to Universal Credit or income-based Jobseeker’s Allowance (JSA), individuals may also qualify for Personal Independence Payment (PIP) in England and Wales or Adult Disability Payment (ADP) in Scotland.
Support
PIP and ADP are non-means-tested and tax-free, meaning they won’t count toward the benefit cap or reduce other entitlements. They are designed specifically to help people with extra daily living or mobility needs due to illness or disability.
Here’s where it adds up: the maximum rate of PIP or ADP is £749.80 every four weeks. If you also get the standard Universal Credit rate of £400.14 per month (for a single person over 25), you could be receiving £1,149.94 per month in total.
Breakdown
Here’s a breakdown of the current weekly PIP and ADP rates in 2025:
Component | Standard Rate | Enhanced Rate |
---|---|---|
Daily Living | £73.90 | £110.40 |
Mobility | £29.20 | £77.05 |
These rates apply across both PIP and ADP, depending on your location in the UK. The exact amount you receive depends on how your condition affects your ability to carry out everyday activities.
Conditions
To be eligible for PIP or ADP, having a diagnosis isn’t enough—you must show how the condition impacts your life. Some of the categories covered include:
- Cardiovascular disease
- Mental health disorders
- Musculoskeletal conditions
- Neurological disease
- Endocrine and autoimmune conditions
- Hearing and gastrointestinal disorders
These categories include more than 530 health conditions. So if you’ve been living with a chronic illness or disability, there’s a good chance you could qualify.
Criteria
To receive PIP or ADP, you must meet the following conditions:
- You’ve had difficulty with daily tasks or mobility for at least three months
- You expect those difficulties to last for at least nine more months
- You’ve lived in the UK for at least two of the last three years
Daily living difficulties include challenges with:
- Cooking or preparing meals
- Taking medication
- Washing, bathing, or dressing
- Managing money
- Moving around
Assessment
When you apply, the DWP will look at how your condition affects you using specific tests. They’ll assess:
- Whether you can perform tasks safely
- How long it takes to complete tasks
- How often you face difficulties
- Whether you need someone’s help or special equipment
Your application may also involve an assessment by phone or in person. Be as detailed as possible in your form and include medical evidence where you can.
Apply
To apply for PIP, visit the official GOV.UK site or call the PIP new claims line. If you’re in Scotland, you’ll be applying for ADP through Social Security Scotland. You’ll need to complete a form explaining how your condition affects you, and you may be asked to attend an assessment.
Many people overlook these benefits, thinking they don’t qualify or it’s too complicated to apply. But if you’re struggling with a long-term condition or disability, you could be entitled to hundreds of pounds a month in extra support.
FAQs
What is the max PIP or ADP payment?
Up to £749.80 every four weeks for both components.
Can I get PIP with Universal Credit?
Yes, PIP is separate and does not affect UC.
Is PIP based on income or savings?
No, it’s non-means-tested and tax-free.
What health conditions qualify for PIP?
Over 530 conditions including mental, physical, and chronic illnesses.
How do I apply for PIP or ADP?
Visit GOV.UK or Social Security Scotland to start your claim.