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A disability premium is an additional sum of money that gets added to certain means-tested benefits. There are three different disability premiums - standard, enhanced and severe. Which one your loved one is eligible for depends on how their disability affects them on a daily basis and which other benefits they claim.
Here, we’ve explained how the Severe Disability Premium works, whether you or your loved one are eligible, how to apply and how much you’ll get.
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A Severe Disability Premium is an additional amount you or a loved one could qualify for on top of certain means-tested benefits’ basic personal allowances. This premium aims to help you cover the costs of everyday living and any additional support you require, depending on your unique health requirements.
This premium is paid on top of:
To meet the eligibility criteria for a Severe Disability Premium, you’ll need to receive one of the following disability benefits:
You also need to be receiving a means-tested benefit (meaning it relates to your income), such as:
There are additional eligibility rules, depending on whether you’re single or in a couple. We’ve explained these below.
You’ll be ineligible for the Severe Disability Premium if somebody who looks after you receives Carer’s Allowance or the Carers Element of Universal Credit.
You’ll also be ineligible if you live with any other non-dependant adults (unless they also receive a relevant qualifying disability benefit or are registered blind).
You’ll be ineligible for the Severe Disability Premium if you and your partner are looked after by somebody who receives Carer’s Allowance or the Carers Element of Universal Credit for looking after either of you. If somebody receives either of these benefits for looking after just one of you, you can instead get the Severe Disability Premium at the single rate.
You also be ineligible if either of you live with any other non-dependant adults (unless they also receive a relevant qualifying disability benefit or are registered blind).
You both need to receive a relevant qualifying disability benefit (or just one of you receives a relevant benefit and the other is registered blind).
There are circumstances in which you can get the Severe Disability Premium, even if there are other adults living with you. However, these are complicated, so we’d recommend seeking out expert advice, such as through Turn2Us.
Be sure to discuss the Severe Disability Premium with the person who cares for you. If they’re planning on claiming Carer’s Allowance or the Carers Element of Universal Credit, this will prevent you from receiving a Severe Disability Premium. Any Council Tax Support you receive may also be affected.
Again, we’d recommend seeking advice, as the rules surrounding this can often be a tricky and complicated area to navigate. You can use Turn2Us to find local advice.
You’ll need to contact the office for the benefit you receive and let them know that you think you’re entitled to a Severe Disability Premium.
These benefits include:
In some cases, you may need to contact your local council to let them know that you’d like to make a claim for a Severe Disability Premium.
Once you’ve told the relevant benefits office or your local council that you think you’re entitled to a Severe Disability Premium, you could be sent a form to fill out.
The Severe Disability Premium is paid at two rates, depending on whether you’re single or in a couple.
The single-person rate is £76.40 per week, £331.07 per month and £3,972.80 per year.
The rate for joint claimants is double that of the single-person rate. If you claim as a couple, together you’ll get £152.80 per week, £662.13 per month and £7,945.60 per year.
Both you and your partner need to be eligible to get the Severe Disability Premium as joint claimants. If you and your partner both receive a qualifying benefit and somebody receives Carer’s Allowance or the Carer’s Element of Universal Credit for looking after either of you, your Severe Disability Premium will instead be paid at the single rate.
If you disagree with a decision made about you or your loved one’s eligibility for a Severe Disability Premium, you can request a written statement of reasons.
If you believe the wrong decision has been made, you can ask for this to be re-reviewed. You can also appeal. People often believe an incorrect decision was made due to incorrect information being used.
You’ll usually only get one month to dispute a decision, so it’s important to act quickly and seek out any necessary advice.
Turn2Us has a guide explaining how to challenge decisions by the Department for Work and Pensions.
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Written by our team of experts and designed to help families fund later life care in England.