Finances

Living with Crohn’s Disease or Ulcerative Colitis (the two main forms of Inflammatory Bowel Disease - IBD) can be expensive. You might worry about being too sick to work, or facing extra costs like prescriptions and increased household bills.

It can be overwhelming, but there are lots of potential sources of support for you. We’ve written this information sheet together with benefits professionals and people with Crohn’s and Colitis to help you make the most of your finances. It details what assistance could be available, including benefits, grants, and help with health, housing and transport costs.

We’ve prepared this as general information, so if you’re looking for advice specific to your circumstances, contact your local Citizens Advice:

If you are struggling with your finances, you are in debt, or are considering bankruptcy don’t be afraid to get help. You can access free expert advice and support from:

They will give advice based on your individual financial situation and can help get you started with any next steps or solutions. The sooner you get help, the sooner you can take control of your finances.

For free advice on your rights at work and for help resolving issues at work – including redundancies, unfair dismissals or discrimination at work – contact Acas.

People living with a disability or long-term health condition, or those on a low income may also be eligible for some benefits. Check the Benefits section below for more information.
 

Statutory Sick Pay
You can get Statutory Sick Pay (SSP) if you’re too ill to work. It’s paid by your employer for up to 28 weeks. You will need to meet certain criteria to receive SSP. See the Government website for further information.

If you are self-employed, you will not be able to claim SSP. But you may be able to claim other benefits, including Universal Credit, Council Tax Reduction, Personal Independence Payment and Employment Support Allowance. See the Benefits sections below. You can also search ‘disability and sickness benefits’ on The Money Advice Service website.
 

Early retirement
If you’ve left employment because of sickness and you paid into a private or company pension you may be able to claim your pension early by retiring on ill health grounds (either partial or full). Contact your pension provider for advice.

If you’ve had to leave employment, or work reduced hours because of sickness, there are a number of benefits you can claim. You may also be able to claim these benefits if you’re working full-time but you’re on a low income and you’re sick.

Benefits calculators
It can be complicated to find out what benefits you may be eligible for. As a first step, you might find it useful to enter your details into a benefits calculator. These are free to use and anonymous, and they can help you to find out:

  • what benefits you could get
  • how to claim
  • how your benefits will be affected if you start work.

Before you start, it is a good idea to make sure you have all the information you will need. You can find out more about this on the Turn2us website.

The UK Government recommend the following benefits calculators:

The benefits calculators will provide accurate results if you are a British or Irish citizen. For more on the eligibility criteria for using the benefits calculators, see: gov.uk/benefits-calculators

If you live in Northern Ireland, you can find out about the benefits you might be entitled to by visiting the NI Direct website.


Claiming welfare benefits for adults

Personal Independence Payment
Personal Independence Payment (PIP) is a welfare benefit for adults with a disability or long-term condition. PIP helps to cover the extra costs you may face if your Crohn’s or Colitis makes it hard for you to get around or cope with daily living.

There are criteria you need to meet to apply for PIP, including how long you have lived in England, Scotland or Wales. For more information, see: gov.uk/pip

If you get Disability Living Allowance (DLA), PIP is replacing this. You don’t need to do anything if you are currently receiving DLA, unless your circumstances change. The Department for Work and Pensions (DWP) will invite you to apply for PIP. When they invite you, you must apply within 28 days or your DLA payments will stop.

Filling in the PIP application form can be a daunting task. Our booklet, Claiming Personal Independence Payment, takes you through the form question by question. It contains useful tips and suggestions to give you the best chance of making a successful claim, You can download the guide from our website, or request a copy from our Helpline. For more information, search ‘PIP’ on the websites for Citizens Advice (see Introduction) or the Money Advice Service: moneyadviceservice.org.uk

If you live in Northern Ireland, see the NI Direct website for further information about claiming PIP: nidirect.gov.uk/articles/personal-independence-payment

Attendance Allowance
If you’ve reached State Pension age and you do not receive DLA or PIP, you can apply for Attendance Allowance instead. This benefit helps with extra costs if your condition is severe enough that you need someone to look after you. But you don’t have to have someone caring for you in order to claim.

For more information about Attendance Allowance, see: gov.uk/attendance-allowance

The State Pension Age rose for men and women in December 2018. For more information about the State Pension Age, see: gov.uk/state-pension-age

Universal Credit
Universal Credit is a once-a-month payment to help with your living costs (except if you live in Scotland, where it may be twice a month). Universal Credit is a benefit that’s recently replaced various existing benefits, including:

  • Child Tax Credit
  • Housing Benefit
  • Income Support
  • Income-based Jobseeker’s Allowance (JSA)
  • Working Tax Credit
  • Income-related Employment and Support Allowance (ESA) – see below

Most areas now offer a full service, which means they can handle most claimants, including those who are sick. There are a few exceptions for people living in specified accommodation, for people of pension age and for those who are receiving the Severe Disability Premium. For more information about Universal Credit and the Severe Disability Premium, visit: gov.uk/universal-credit

Universal Credit has been introduced in stages across the UK. If you are receiving one or more of the benefits above, you do not need to do anything until you hear from the Department for Work and Pensions about moving to Universal Credit. The only exception is if you have a change in circumstances, in which you have to make a claim for one of the benefits above.

If you live in Scotland, the payments may be made twice a month. Visit Citizens Advice Scotland for further details: citizensadvice.org.uk/scotland/benefits

See the UK Government website for information on Universal Credit and the benefits it is replacing: gov.uk/universal-credit

You may also find the benefits section of the Money Advice Service website useful: moneyadviceservice.org.uk/en/categories/benefits

If you receive Universal Credit, you may also qualify for help with health costs. See the section Help with health costs below, and visit the NHS website for details: nhs.uk/using-the-nhs/help-with-health-costs

Employment and Support Allowance
You may be able to get the new style Employment and Support Allowance (ESA) if you are too sick to work and have paid sufficient national insurance contributions. You can get the new style ESA on its own or at the same time as Universal Credit. There are specific criteria you will need to meet in order to get this benefit. If you live in England, Scotland or Wales, see: gov.uk/guidance/new-style-employment-and-support-allowance

If you live in Northern Ireland, visit the NI Direct website for more details on Employment and Support Allowance: nidirect.gov.uk/articles/employment-and-support-allowance
 


Claiming welfare benefits for children

Disability Living Allowance for children
Disability Living Allowance (DLA) for children may help with the extra costs of looking after a child who is under 16 years old or needs much more looking after than a child of the same age who does not have a disability. See: https://www.gov.uk/disability-living-allowance-children

Our booklet Claiming Disability Living Allowance for Children will help you answer each question on the DLA application form. The guide offers tips and suggestions to give you the best chance of making a successful claim. You can find the booklet on our website, or request a printed copy from our Helpline.

For information on disability benefits and entitlements for a child with a long-term health condition, search ‘disability benefits children’ on: moneyadviceservice.org.uk
 


Claiming welfare benefits for carers

Carer’s Allowance
Carer’s Allowance is a benefit for people who are giving regular and substantial care to disabled people in their own homes. For further details, visit: gov.uk/carers-allowance
 


Contact Crohn’s & Colitis UK’s Disability Benefits Service. Our trained volunteers can help you over the telephone with completing application forms and asking for a mandatory reconsideration for PIP and DLA for children. Call 0300 222 5700 to make an appointment.


Housing benefit
If you are unable to claim Universal Credit and you’re on a low income, you might be eligible for housing benefit to pay your rent. How much you get depends on your income and circumstances. You can apply for housing benefit if you’re unemployed or working. See: gov.uk/housing-benefit

If you live in Northern Ireland, visit: nidirect.gov.uk/articles/housing-benefit-and-rate-relief-tenants

Council tax reduction
You could be eligible for a reduction in your council tax bill if you’re on a low income or you claim benefits. You can apply if you own your home, rent, are unemployed or working. For how to apply, see: gov.uk/apply-council-tax-reduction

If you live in Northern Ireland, there is a different scheme. You can find a guide to rates on the NI Direct website: nidirect.gov.uk/information-and-services/guide-rates/help-paying-your-rates

Home improvement grants
If you are on a low income and you need to make improvements to your home, your local Home Improvement Agency (HIA) may help you to repair, improve, maintain or adapt your home. This may be, for example, to repair or replace a bathroom.

There are a number of not-for-profit, locally-based HIAs around the country that can help in different ways, even with smaller tasks such as putting together flat-pack furniture or looking after your garden.

Search for your nearest HIA:


Heating

Cold weather payments
If you’re claiming certain benefits and you’re struggling to meet the costs of heating your home during the winter months, there is additional financial help in the form of cold weather payments. These payments are only paid during prolonged extreme weather conditions. To see if you are eligible, visit: gov.uk/cold-weather-payment

Nest scheme in Wales
If you live in Wales, you might be eligible for the Nest scheme. The scheme is part of the Welsh Government Warm Homes programme. They offer a range of free, impartial advice, and if you are eligible, a package of free home energy efficiency improvements. This may include a new boiler, central heating or insulation. For details and how to apply, see: nest.gov.wales

Warm Home Discount Scheme
If you are finding it difficult to pay your electricity bill during the winter months, you could get £140 off your bill under the Warm Home Discount Scheme.

If you are eligible for the scheme, it will be a one-off discount on your electricity bill, between September and March. You may be able to get the discount on your gas bill instead if your supplier provides you with both gas and electricity. Contact your supplier to find out.

The discount will not affect your Cold Weather Payment or Winter Fuel Payment (see below). The Warm Home Discount Scheme is available in England, Scotland and Wales but it is not available in Northern Ireland. To find out more, see: gov.uk/the-warm-home-discount-scheme

Winter fuel payments
If you were born on or before 5 November 1953, you could get winter fuel payments to help you pay your heating bills. You usually get a Winter Fuel Payment automatically if you are eligible and you get the State Pension or another social security benefit (not Housing Benefit, Council Tax Reduction, Child Benefit or Universal Credit). Any money you get will not affect your other benefits. For further information, go to: gov.uk/winter-fuel-payment


Energy

Some energy companies offer an energy fund scheme to help those in need to cover their gas and electricity bill debts. Exact requirements vary and applications are assessed on a case by case basis. The links to apply for these energy fund schemes, are:

Open to anyone


Open to their customers only


In some instances, the companies can cover the cost of replacing white goods such as cookers, fridges, fridge-freezers and washing machines for applicants who have items in a broken, old or poor condition. Visit the websites above for further information and how to apply.


There are other organisations who provide general advice on grants, and energy and money saving tips. These include the independent advice-giving Energy Saving Trust and consumer websites such as Money Saving Expert or Which?


Water

WaterSure
People with Crohn’s or Colitis often find that their water bills are higher because they are frequently using their toilet and having more showers or baths. If this is the case, and you are finding it difficult to meet the costs of using more water, you might be eligible for the WaterSure scheme. People with Crohn’s Disease and Ulcerative Colitis automatically qualify for WaterSure – but they must meet the other qualifying conditions. For more information, see the link for the Citizens Advice website below.

To apply for the WaterSure scheme, you must be on benefits and need to use a lot of water either for medical reasons or because your household has a certain number of school-aged children. You will also need to be on a water meter or be waiting to have one installed. If you get help through the scheme, your water bill will be capped. This means that you will not pay any more than the average metered bill for the area your water company deals with.

If you get your water from Welsh Water, you will be covered by WaterSure Wales, which works in the same way as the English scheme.

For more information on the WaterSure scheme, search ‘WaterSure’ on: citizensadvice.org.uk

There are many different charitable organisations and trusts who offer grants for people on a low income. There are also funds who help people with particular health conditions.

Turn2us grant search
This allows you to search for grants which may be available to you based on your:

  • postcode
  • age
  • current or previous occupation
  • health condition

Turn2us also provide a checklist of information needed to make an enquiry or application to a charitable fund on their website: turn2us.org.uk

Money Saving Expert
Money Saving Expert have information on their website about grants for people on low incomes.

Macmillan Cancer Support
If you have cancer or are still seriously affected by your illness or treatment, you might be eligible for a grant from Macmillan Cancer Support. You will need to have a low level of income and savings. Find out more here.

If you are finding it hard to pay for the health costs that come with having long-term conditions like Crohn’s and Colitis, you may find that you’re eligible for help through the different NHS schemes below.

NHS Low Income Scheme
If you have a low income, the NHS Low Income Scheme can help pay for various costs including NHS prescription charges, NHS dental treatment charges and the cost of travelling to receive NHS treatment.

Any help you’re entitled to is also available to your partner, if you have one. You can apply as long as you don’t have savings or investments over a specified limit. You don’t need to apply if you’re already entitled to full help with health costs. You may be getting this if you receive certain benefits, see: nhsbsa.nhs.uk/nhs-low-income-scheme

Free prescriptions
In England, most working age adults have to pay NHS prescription charges. However certain groups are entitled to free NHS prescriptions. The list below gives some but not all of the criteria to get free NHS prescriptions. For more detailed information, see the link below.

It is dependent on:

  • your age
  • if you are receiving particular benefits and/or tax credits
  • if you are on a low income
  • if you have certain medical conditions, including a permanent stoma.


There are a number of payment options to suit different needs. For more details about getting free NHS prescriptions in England, visit: nhsbsa.nhs.uk/help-nhs-prescription-costs/free-nhs-prescriptions

If you live in Scotland or Wales, NHS prescriptions are free.

If you live in Northern Ireland, prescriptions written by GPs are also free. See the NI Direct website for more information: nidirect.gov.uk/articles/prescriptions


If you’ve got a permanent stoma, you may be eligible for free prescriptions.


Prescription prepayment certificates
If you’re not eligible for free NHS prescriptions but you regularly pay prescription charges for drugs for your Crohn’s or Colitis, you may find a prescription prepayment certificate (PPC) could save you money, A PPC lets you get as many NHS prescriptions as you need for a set price. For example, if you need two prescribed medicines each month, you could make a saving of over £100 a year with a 12 month PPC.

If you’ve got a permanent stoma, you may be eligible for free prescriptions.

You can apply for a PPC online at: gov.uk/get-a-ppc

Free NHS dental treatment
Certain groups don’t have to pay NHS dental treatment charges. You should always check with your dentist whether your treatment is private or NHS. If you’re entitled to free NHS treatment and the treatment you receive is a mixture of NHS and private, you will still have to pay for the private treatment.
 
Whether you get free NHS dental treatment is dependent on many of the same eligibility criteria as the free NHS prescriptions. For more details, see: hsbsa.nhs.uk/help-nhs-dental-costs/free-nhs-dental-treatment 

Other health costs
The NHS provide help for other health costs including paying for hospital travel, eye care, wigs and fabric supports.  
 
For more information, visit: nhsbsa.nhs.uk/help-travel-eye-care-wigs-and-fabric-support-costs

Having a condition like Crohn’s or Colitis might mean that you feel worried about travelling. There are ways that you can make your life easier, and possibly cheaper too.

Blue badge scheme
The blue badge scheme helps you park closer to your destination if you are disabled or have a health condition which affects your mobility. As this is the main eligibility criteria, it can be difficult for people with Crohn’s and Colitis to get a blue badge because their condition does not necessarily affect their mobility. But it may still be worth applying as it might be possible to get a badge.

For more information on getting a blue badge, search ‘blue badge’ on: citizensadvice.org.uk

If you live in England, Scotland or Wales, you can apply online at: gov.uk/apply-blue-badge

If you live in Northern Ireland, you can apply online at: nidirect.gov.uk/services/apply-or-renew-blue-badge-online

If you have questions about the process of applying or filling in the form, contact an adviser at your nearest Citizens Advice. See the Introduction for further information about how to find your nearest Citizens Advice.
 
Disabled Persons Railcard
If you receive Personal Independence Payment, Disability Living Allowance or Attendance Allowance, you might be eligible for the Disabled Persons Railcard.

The Disabled Persons Railcard gives 1/3 off adult rail fares for travel on the National Rail network in Great Britain. There are also no time restrictions with the railcard, so you can use it to get discounts on tickets at any time of day. If you’re travelling with another adult, they will also get 1/3 off their rail fare.

For prices and how to apply, see: disabledpersons-railcard.co.uk

If you live in Northern Ireland and want to find out about concession passes, visit: translink.co.uk/usingtranslink/ticketsandtravelcards/concession

Access to Work
Access to Work can help people who are disabled or have a health condition that makes it hard for them to do their job.

In the first instance, the UK Government advise you to discuss reasonable adjustments with your employer that would enable you to do your job. Reasonable adjustments could include moving your contractual hours, for example, coming in later in the morning if you find your bowels are more active then. Or, another adjustment might be help getting to work in the morning if taking public transport is a challenge.

If the help you need is not covered by your employer making reasonable adjustments, then an Access to Work grant could pay for support based on your needs, such as taxi fares to work.

You may not be eligible for Access to Work if you receive certain benefits. If you live in England, Scotland or Wales, for more information, see: gov.uk/access-to-work

There is a different system in Northern Ireland, see the NI Direct website: nidirect.gov.uk/articles/employment-support-information

You might find it helpful to look at our employment information sheets: Employment and IBD: a guide for employers and Employment and IBD: a guide for employees.


For general information about travelling with Crohn’s and Colitis, see Travel.


Support from your local council
Get in touch with your local council as there may be additional support you can access. Find your local council.


Food banks
Food banks provide emergency food to people in a financial crisis. To access a food bank you will need a voucher from a referral agency – such as your local Citizens Advice, your GP or child’s school. Your local food bank can also tell you how to get a voucher. Find your local food bank.
 


Money worries can be confusing and isolating. Crohn’s and Colitis Support is a listening service for anyone who needs to talk about living with Crohn’s or Colitis. It’s provided by volunteers who have personal experience of the conditions. Call our helpline to make a free appointment: 0300 222 5700.


We offer more than 50 publications on many aspects of Crohn’s Disease, Ulcerative Colitis and other forms of Inflammatory Bowel Disease. You may be interested in our comprehensive booklets on each disease, as well as the following publications:

Living With Crohn's or Colitis
Fatigue
Taking Medicines
Managing Bowel Incontinence
Living With a Stoma

Health professionals can order some publications in bulk by using our online ordering system. If you would like a printed copy of a booklet or information sheet, please contact our helpline.

Our helpline is a confidential service providing information and support to anyone affected by Crohn's or Colitis. Our team can:
• help you understand more about Crohn's or Colitis, diagnosis and treatment options
• provide information to help you to live well with your condition
• help you understand and access disability benefits
• be there to listen if you need someone to talk to
• put you in touch with a trained support volunteer who has a personal experience of Crohn's or Colitis

Call us on 0300 222 5700 
Email helpline@crohnsandcolitis.org.uk
Use our LiveChat 

Crohn’s & Colitis UK Forum
This closed-group community on Facebook is for everyone affected by Crohn's or Colitis. You can share your experiences and receive support from others.

Crohn’s & Colitis UK Patient Panels
IBD Patient Panels, which are supported by Crohn’s & Colitis UK, are groups of people with Crohn's or Colitis who use their perspective as a patient to work with their IBD healthcare team to help improve their hospital services. For more information on patient panels, please read our information leaflet or contact our Patient Engagement Team.

Crohn’s & Colitis UK Local Networks
Our Local Networks of volunteers across the UK organise events and provide opportunities to get to know other people in an informal setting, as well as to get involved with educational, awareness-raising and fundraising activities. You may find just being with other people and realising that you are not alone can be reassuring. Families and relatives may also find it useful to meet other people with Crohn's or Colitis. All events are open to members of Crohn’s & Colitis UK

StepChange Debt Charity
Tel. 0800 138 1111
Live chat and message service available on website

National Debtline
Tel. 0808 808 4000
Live chat service available on website

Energy Saving Advice Service (for England and Wales)
Tel. 0300 123 1234

Home Energy Scotland

Northern Ireland Energy Advice Line
Tel: 0808 808 2282

Money Saving Expert

Which?

Citizens Advice

Money Advice Service
Tel. 0800 138 7777
Email: enquiries@maps.org.uk
Web chat service also available on website

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How we write our information

Last reviewed: May 2019

Last amended: September 2020