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Debt Advice Handbook 14th edition

2. How to use this chapter
The table on here lists common circumstances that apply to people and the benefits and tax credits that it may be possible to claim. You should check all the circumstances that could be relevant.
The A–Z of the most common benefits (see here) outlines the main eligibility criteria for each benefit. This chapter cannot describe fully the entitlement conditions for every benefit. It is a guide to which benefits you should consider that may be appropriate for a client.
Following the A–Z is a brief explanation of how benefits are calculated, including, in particular, how the means test works. Means tests are complex and cannot be described in full in this Handbook. This chapter explains the basics so you can judge whether further enquiries or an application for benefit should be made. Other sources of financial help that may be available to clients are listed on herehere.
For more information, see CPAG’s Welfare Benefits and Tax Credits Handbook.
Which benefits and tax credits can a client claim
The table on here gives an overview of the possible benefits and tax credits to which a client may be entitled depending on her/his circumstances. More than one circumstance may apply to a particular client (eg, s/he may have a child, a disability, a mortgage and work part time), in which case you should refer to each circumstance.
Some benefits and tax credits can be paid if a client does not have enough money to live on, either in addition to other benefits and tax credits, or on their own. These are:
    universal credit (UC) if s/he is in or out of paid work and her/his income is below the set minimum level required for her/his household’s needs, including housing costs. Note: UC is replacing the current means-tested benefits for working-age people and most new claims are now for UC and not the following benefits (see here);
    income-based jobseeker’s allowance (JSA) or income support (IS) if s/he is not in full-time paid work;
    income-related employment and support allowance (ESA) if s/he has ’limited capability’ for work;
    working tax credit (WTC) if s/he is in full-time paid work (what counts as full-time work varies according to the client’s circumstances);
    pension credit (PC) if s/he is over the qualifying age and either in or out of full-time paid work;
    child tax credit (CTC) if s/he has children and the household income is below the set threshold;
    housing benefit (HB) if s/he is out of work or has a low income and is unable to meet her/his housing costs (restrictions apply).
Circumstance
Potential benefits and tax credits
Bereaved
Bereavement support payment
Social fund funeral expenses payment
Carer
Carer’s allowance
UC (if under the UC system)
IS
Young carer grant (Scotland)
Responsible for a child
CTC
Child benefit
Guardian’s allowance
Statutory maternity pay (SMP)
Statutory paternity pay
Statutory shared parental pay
Statutory adoption pay
Maternity allowance (MA)
Health benefits
Healthy Start food and vitamins (England and Wales)
Best Start foods (Scotland)
Best Start grant (Scotland)
UC (if under the UC system)
Disabled
Personal independence payment
Disability living allowance
Attendance allowance
Industrial injuries benefits
Has a mortgage
IS
Income-based JSA
Income-related ESA
PC
UC (if under the UC system)
Pensioner
Retirement pension
PC
Winter fuel payment
Pregnant
SMP
MA
Sure Start maternity grant
Health benefits
Healthy Start food and vitamins (England and Wales)
Best Start grant (Scotland)
Paying rent
Housing benefit (HB)
UC (if under the UC system)
Sick and unable to work
ESA
Statutory sick pay
UC (if under the UC system)
Unemployed and seeking work
JSA
UC (if under the UC system)
Unemployed and not seeking work
IS
UC (if under the UC system)
Working, but on a low income
WTC
CTC
HB
UC (if under the UC system)