The coronavirus crisis has shut down many workplaces in the UK and forced the government to make major changes to the benefits system to support those who are unable to work.
The self-employed have been told that they can expect more help, but most of the announcements have focused on employees and on anyone who is unable to work because they have the virus.
Depending on which category you are in, here are your rights as things stand currently.
I’m an employee and I’ve been sent home
Some employers have told workers that they will pay them as usual, at least for the next few weeks. If you are in that position and you do not usually receive any benefits, then you will not need to make a claim.
Other employers are not in a position to meet the costs themselves. It is their workers who will be covered by the government pledge to cover 89% of wages. This will be claimed by the employers and distributed to staff, so you will not need to do anything yourself. It will be up to employers to decide whether to make up the difference.
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I’m well but need to look after someone else
Employees are entitled to time off to look after dependants in an emergency – this includes a partner or parent as well as children.
The time off is unlimited but employers are not obliged to pay you for this. Speak to your employer to find out its policy. If it does not pay, it may agree to let you use holiday or rearrange your working day to limit the financial impact.
I have a mortgage and no work
You can use the mortgage payment holiday scheme Announced by the chancellor to stop your payments for three months and give yourself some breathing space.
Lenders have been told that they must not charge fees for this, but there will be an additional cost over the term of your mortgage as interest will be building on the money you haven’t paid off.
Your lender should outline the financial implications if you decide to take up the mortgage holiday. You need to contact them directly. Phone queues are very long but some are offering the service online so check your bank or building society’s website.
Lenders have been told that they must not repossess anyone now.
I can’t pay my rent
There is some help for renters in the form of increases to the local housing allowance – it has been increased so that that covers up to % of the market rent in your area. This will help anyone who already claims universal credit or separate housing benefit.
If you do not already claim a benefit and you are losing your job, you will be able to claim for support for housing as part of a universal credit application.
There have also been moves to prevent landlords from evicting tenants, although these just prevent eviction for three months rather than the usual two.
Speak to your landlord if you are having problems. Buy-to-let landlords have the option of taking a payment holiday and passing it on. It will cost them more for their mortgage in the long term, but they may be willing to accept that extra cost or negotiate a way to share it.
Is there any other help?
The sums available through universal credit standard allowance and the basic element of working tax credit are both being increased by £ 1, a year for 22 months.
Local councils have been given a £ m hardship fund so that they can help vulnerable households by reducing council tax for those who receive local council tax support.
How do I know exactly what I can claim?
To find out what your circumstances make you eligible for, use one of the benefits calculators offered by charities. TurntoUs has one
(although its site warns that it is very busy so make sure you take a note of the reference on the front page in case of problems).
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