Other sources of financial help

• Trade unions
• Civil compensation for damages
• Council tax discount or reduction
• Food banks
• Private and occupational pensions

Trade unions

An adviser should check whether the client is or has been a member of a union. Many trade unions have hardship funds to assist members and ex-members. Unions may also be connected to benevolent funds or charities linked with specific industries.

Civil compensation for damages

If the client has suffered an injury due to negligence, they may be able to submit a personal injury claim against the individual or organisation that was responsible for the injury.

Council tax discount or reduction

If clients have difficulty paying their council tax, they may qualify for council tax discount or reduction. Local authorities administer council tax discount and reduction schemes which are often means tested. Details can be found on local authority websites.

Food banks

Clients unable to afford food may be referred to a food bank. The client may be limited in the number of times they can use them in a set period. Some food banks also provide fuel vouchers to assist with gas and electric prepayment meters. Local foodbanks can be found through trusselltrust.org/get-help/find-a-foodbank. Local authority websites also have details on other sources of food help in the client’s area.

Private and occupational pensions

Clients may be able to take pension benefits before the normal retirement age from an employer’s (occupational) or a private pension scheme if they are a member. This is possible under specific situations such as the client being permanently incapable of work. Independent financial advice should always be sought before a decision is made to take pension benefits early.

To find areas where a client can maximise their income, an adviser should perform a benefit check to find out if the client is entitled to any benefits, check their tax code is correct and if they can receive additional allowances or a rebate, check for any child maintenance they are owed, check if any loans are covered by insurance, and check whether there is any available charitable assistance available.