Coronavirus (COVID-19) Latest: Work and Finance

30 November 2021

This information will help you if you are concerned about how COVID-19 may impact your work and finances.

We recommend looking at our risk article first to work out your individual risk of developing serious illness from COVID-19 and how this may impact your safety at work. Remember that your risk level may change if you are in a flare, come out of a flare or change medications. If your condition changes make sure to reassess your risk level and let your employer know.

To see the latest news regarding restrictions where you live, visit the relevant website:


Should I work from home?
I am worried about going to work
Am I at risk by going to my workplace? 
What can my employer do to reduce my risk of catching COVID-19 in the workplace? 
What can I do if I feel my employer is not considering my risk and concerns around my safety? 
I’m worried that people I live with going in to work will increase my risk


Financial support during self-isolation
Access to Work 
The Coronavirus Job Retention Scheme (furlough scheme)
If you are self employed
I’ve lost my job / I've been made redundant
I’m getting into debt / struggling to pay my bills and don’t know what to do
Links to other organisations and further support


Should I work from home?

The guidance on working from home is different in each nation. Visit the government websites below to find out more:

England The government has published specific guidance for people whose immune system means they are at higher risk of serious illness from COVID-19. As we understand, this includes working from home if you can. 
If you are not immunosuppressed then you are no longer asked to work from home if you can. 
Scotland Working from home remains important but is guidance, not law. (From 31 January)

Working from home remains important but is guidance, not law. (From 28 January)

Northern Ireland Working from home remains important but is guidance, not law.


I am worried about going to work

If you are not able to work from home, there are steps your employer must take to keep you safe. Read information about risk assessments and safety below.

Citizen's advice have some useful information if you're worried about working because of coronavirus.

There is a list of extra precautions you may want to take on our risk page.

The Health and Safety Executive website has more information on keeping safe at work if you are immunosuppressed or previously identified as clinically extremely vulnerable.

Am I at risk by going to my workplace? 

Everyone, including those with no underlying health conditions, is exposed to a certain degree of risk from coronavirus, and the level of risk will depend on individual circumstances. Absolute safety can never be guaranteed. 

The more people you are in close contact with, the higher the risk of catching coronavirus. Check your individual risk level here to see how your Crohn’s or Colitis and the medication you take may affect your risk of becoming seriously unwell with COVID-19. 

In terms of your risk at work, it is worth considering: 

  • How you get to work. 
  • Who you work with. 
  • How many people you come into contact with at work. 
  • What type of setting you work in. 

What can my employer do to reduce my risk of catching COVID-19 in the workplace?

Speak to your employer early. Find out what they expect from you and what they are doing to help protect their employees.  

Employers should carry out a risk assessment and put steps in place to manage risk during the coronavirus pandemic. 

COVID-19 risk assessment tool for England, Scotland and Wales 

COVID-19 risk assessment tool for Northern Ireland 

If you have access to occupational health and employee assistance programmes in the workplace, these services can also provide you with a range of health support and advice for your physical and mental health needs. 

Your employer has a legal obligation to make reasonable adjustments to help you work safely with a disability or health condition. Examples of things your employer can do to help reduce your risk include: 

  • Ensuring indoor spaces are well ventilated. 
  • Spacing out desks to avoid close contact. 
  • Reducing the number of contacts you have each day. 
  • Allocating individuals a desk instead of hot-desking. 
  • Using face masks in crowded spaces. 
  • Access to handwashing facilities. 
  • Flexible working and staggering shifts. 
  • Restricted duties to avoid direct contact with people infected with COVID-19. (If you work in the NHS, see guidance from NHS employers for further information)

Some workplaces may ask employees to carry out regular lateral flow testing. Some businesses such as nightclubs may use the  NHS COVID Pass to lower risk to the employees and the customers. 

See our top tips for working safely

What can I do if I feel my employer is not considering my risk and concerns around my safety? 

Your employer should be aware of the Health and Safety Executive guidance on 'Talking to your workers about preventing coronavirus' 

Your employer may not understand why you are more at risk than others. We have created a letter that you can show your employers which may help communicate your condition and your concerns.  

Employers letter of support

Employers may not understand the unpredictable course of Crohn’s and Colitis. If you develop a flare or change medications you may be more at risk. See our guide for employers for more information.

If you still feel your employer is not taking reasonable steps to help protect you, you can raise a concern in the following ways:  

  • Report this to your local authority 
  • Contact your employee representative 
  • Contact your trade union if you have one. If you're not a member of a trade union, you can find advice on joining one here.
  • Use the Health and Safety Executive (HSE) contact form 
  • Contact HSE by phone on 0300 003 1647 

The Health and Safety Executive can then take a range of actions, including where appropriate requiring your employer to take additional steps. 

You may also want to visit Equality Advisory and Support Service. They can provide advice and support for people who are experiencing discrimination based on their disability or health condition.

If you refuse to attend work without a valid reason, it could result in disciplinary action. If you need advice, you should contact ACAS for impartial advice about work disputes. 

We are also working hard to increase awareness amongst occupational health professionals of the risks associated with Crohn’s and Colitis.  

I’m worried that people I live with going into work will increase my risk

Your individual circumstances may mean you can work at home. However, you may be worried about the people you live with going out to work. See our information on communication and wellbeing to help you discuss your risk and concerns. Mind also has information on mental wellbeing.


Financial support during self-isolation 

If you cannot work because you have coronavirus symptoms or are self-isolating, you may be able to get some money from the government to help with lost earnings.  

  • A one off payment (different schemes across the devolved nations) 
  • Statutory Sick Pay (from your employer) 
  • New Style Employment and Support Allowance (ESA) 
  • Universal Credit 
  • Pension Credit 

If your employer is asking for evidence to show you’re self-isolating due to coronavirus, you do not need to contact your doctor. You can get an isolation note from the online NHS 111 service

See the government website for further information on what financial support you may be eligible for.  

Access to Work (England, Scotland and Wales)  

Access to Work is a scheme you can apply for which may provide support for the extra costs of working with a disability or health condition. This can only cover costs that are beyond standard reasonable adjustments an employer must provide. 

Access to Work can help you, for example, with the costs of taxis to work. This would mean you can lower your risk by avoiding public transport. It may also be able to help with the costs of making adaptations in the workplace. 

If you live in England, Scotland or Wales, you can apply for the scheme here.

There is a very similar scheme, also called Access to Work, in Northern Ireland. Find out more here.

The Coronavirus Job Retention Scheme (furlough scheme) 

The Coronavirus Job Retention Scheme ended on September 30th 2021. For more information, see the GOV.UK page on work and financial support.

If you are self-employed 

The Self-Employment Income Support Scheme ended on September 30th 2021. However, you may still be eligible for other benefits such as Universal Credit and New Style Jobseekers Allowance. If you are self-employed and have to self-isolate due to COVID-19 infection you may be eligible for a one off payment. See the government website to find out more about help available for self-employed workers. 

I’ve lost my job / I've been made redundant 

If you are on a low income or out of work, you may qualify for benefits – such as Universal Credit or Employment Support Allowance. Check what payments you could get from the government using this benefits calculator

If you are at risk of redundancy, or you've been made redundant, your employer should have been through a process to make sure you were selected for redundancy in a fair way. You can find detailed information on what is considered fair from Citizens Advice
Your employer also must not discriminate against you because you have a health condition. Acas provide more information on the redundancy process and guidance on how to appeal a redundancy decision if you think you've been treated unfairly. 

As an employee you are protected by law against unfair treatment and dismissal, if it's because of: 

  • Pregnancy.
  • Age.
  • A health condition that's considered a disability under the Equality Act – some people with Crohn’s or Colitis may fall into this category. 

It doesn’t matter how long you've worked for your employer. It could be unlawful discrimination on these grounds, if an employer either: 

  • Unreasonably tries to force someone to go to work.
  • Unreasonably disciplines someone for not going to work.

The existing employment rights framework provides protections against discrimination, unfair dismissal and detriment. Specific guidance has been published for employers and workers on work absences due to coronavirus (COVID-19). 

Citizens Advice also has information about your rights at work and how to solve problems in the workplace.  

I’m getting into debt / struggling to pay my bills and don’t know what to do 

If you are finding it difficult to pay your bills – such as your rent, mortgage, water or energy bills – you should call your landlord or providers and explain your situation. Many have extra measures they can take to help people who are struggling to make payments due to coronavirus. See Citizens Advice for lots of advice about what you can do if you're struggling to pay your bills. 

If you're getting into debt and you're struggling to cope, you must get help as soon as possible. You can access free expert advice based on your individual financial situation from StepChange or the National Debtline. They can help you find solutions and get you started on the next steps you can take to manage your debts. 

Read our top 5 things to do if you're struggling with your finances. 

Links to other organisations and further support

ACAS - for free impartial, confidential advice on workplace rights, rules and best practice. Helpline: 0300 123 1100 

British Psychological Society - Covid-related anxiety and distress in the workplace: A guide for employers and employees

Citizens Advice England 

Citizens Advice Scotland 

Citizens Advice Wales 

Citizens Advice Northern Ireland

Coronavirus Advice Scotland 
Advice for those living in Scotland on employment, housing and personal finance, as well as cancellations and consumer rights. 
Helpline: 0808 800 9060 

Disability Rights UK 
Personal Budgets Helpline: 0330 995 0404 

DWP - Employment and Benefits Support 
Information about the changes the government has brought in to support people who are already claiming benefits, need to claim benefits, or are at risk of losing their job as a result of coronavirus. 

Equality Advisory Service - for help with equality and discrimination 

Mind information on mental health and work during the coronavirus pandemic 

Coronavirus Finance & Bills Help (

MoneyHelper - for guidance on money and pensions

National Debtline - for practical help managing debt 
Tel. 0808 808 4000 
Live chat service available on website 

Society of Occupational Medicine 'Return to work' toolkits 

StepChange - for practical help managing debt 
Tel. 0800 138 1111 
Live chat and message service available on website 
Organisation helping people in financial need gain access to welfare benefits, charitable grants and other financial help.