This money page is a hub for information about managing your own budget and navigating through the current benefits system.


Benefits can help cover the extra costs of disability for disabled people and their families. Some benefits and tax credits are not just for disabled people but may provide extra money if you have a low income. Scope has produced an overview of the benefits that disabled people and carers could be entitled to - find it here.

Information on benefits can also be found on the website.

Universal Credit

Citizens Advice has guidance and and advice on Universal Credit. Please visit their website.

Personal Independence Payment (PIP)

Personal Independence Payment (PIP) was introduced in 2013 to replace Disability Living Allowance (DLA) for new claimants ages 16 to 64. PIP is not means-tested and isn't affected by earnings, other income or savings.

PIP has two parts:

· Daily living component - for people who need help to take part in everyday life

· Mobility component - for people who find it hard to get around

Norfolk based disability charity Equal Lives has produced a comprehensive set of guidance for claiming PIP with template letters for appeals, factsheets, and information on the PIP points system. You can access this here and find their factsheets to the right.

SEAP Advocacy has produced a comprehensive guide to PIP and ESA. The guide will help you understand what these benefits and how you can apply, understand the process and teach you more about your rights. You can access this here.

Disability Rights UK has produced a guide to making a PIP claim which you can find here.

Citizens Advice has produced a guide for attending the PIP face-to-face assessment.

Appealing the decision

If you want to challenge any decision that has been made about your benefits, you have to first ask the Department of Work and Pensions to reconsider their decision before you start an appeal.

Equal Lives has produced template letters that you can use when asking for Mandatory Reconsideration of your benefit claim for PIP or ESA. Find it here.

Disability Rights UK has produced fact sheets and guidance on appealing a benefit decision and the Mandatory Reconsideration process here.

Carers Allowance

Citizens Advice has guidance and advice  - please visit their website.

Managing a Personal Budget

  • We have information on Direct Payments and Personal Health Budgets here.
  • We run a Direct Payment Information and Advice Service which is free to access for people living Hampshire and West Sussex - here are the contact details.
  • We have a large library of factsheets and resources for people managing their own budgets, which you can access here.
  • If you employ a Personal Assistant who supports you to live independently, Independent Lives can help you with a range of financial services including Payroll and Banking
  • Disability Rights UK runs a helpline that provides general information and guidance on personal budgets.

Other resources

Below are some helpful third-party links, with information you may find useful.

Local Credit Unions