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    • Manage and grow your pension

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    • Pensions explained

      How to start a pension, how pensions work and the benefits

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      How to find lost pensions, sort out problems and complain

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      How to transfer or combine pensions, and if it’s a good idea

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      How much State Pension you might get and ways to boost it

    • Take your pension

      How and when to take your pension – your options explained

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      How tax relief, tax-free allowances and tax on income works

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      Understand your pension options and work out your retirement income and costs

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  • Benefits
  • Everyday money
  • Family & care
  • Homes
  • Money troubles
  • Pensions & retirement
  • Savings
  • Work
    • Universal Credit Find out how Universal Credit works and how to manage your payment
    • Benefits if you have children Entitlements to help with the cost of pregnancy or bringing up children
    • Benefits if you’re sick, disabled or a carer Understand what support is available for coping with ill health
    • Benefits in later life You may be entitled for help with other costs on top of your State Pension
    • Benefits and work Extra support if you’re working, self-employed, or you’ve lost your job
    • Benefits to help with housing costs Support to help with rent or mortgage payments if you’re on a low income
    • Problems with benefits What to do if something goes wrong with your benefits
    • Benefits All Benefits guidance
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    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Banking and payments How to choose, use and manage bank accounts
    • Budgeting How to budget, find the best deals and switch to save money
    • Buying and running a car How to buy and finance a car, deal with problems with car finance, and cut running costs
    • Credit Credit basics, applying for credit, credit ratings and problems with credit
    • Insurance Insurance for cars, health, travel, and help with insurance
    • Everyday money All Everyday money guidance
    Tools

    Tool

    Petrol price finder

    Tool

    Budget Planner

    Tool

    Your options for borrowing money

    Tool

    What to do when you’ve been refused credit

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Becoming a parent Having a baby, returning to work, childcare costs
    • Death and bereavement Wills, inheritance, sorting out estates
    • Divorce and separation Sorting out money and homes, what if you have children, money after break ups
    • Illness and disability Managing costs, extra financial support, help with work or study
    • Long-term care Paying and getting funding, ways to pay, problems with care
    • Student and graduate money Credit cards, bank accounts, student debts
    • Talk money Difficult conversations, talking to teenagers, older people and partners
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    Divorce calculator

    Calculator

    Baby costs calculator

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    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Mortgages and homebuying Mortgages, help buying, remortgaging, first-time buyers, help and support
    • Renting Help renting a home and dealing with problems
    • Homes All Homes guidance
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    Stamp Duty calculator

    Calculator

    Mortgage affordability calculator

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    Mortgage repayment calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Help with the cost of living Budgeting, paying bills, finding extra financial support, coping with job loss
    • Dealing with debt Bills, court fines, help with debts
    • Money problems and complaints What to do about mis-selling, compensation and complaints
    • Scams Spotting scams and what to do if you’re caught out
    • Money troubles All Money troubles guidance
    Tools

    Tool

    Debt advice locator

    Calculator

    Benefits calculator

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    Bill prioritiser

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    What to do when you’ve been refused credit

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Manage and grow your pension How much to save for retirement and ways to boost your pension
    • Pensions explained How to start a pension, how pensions work and the benefits
    • Pension problems and changes How to find lost pensions, sort out problems and complain
    • Pension transfers and consolidation How to transfer or combine pensions, and if it’s a good idea
    • State Pension How much State Pension you might get and ways to boost it
    • Take your pension How and when to take your pension – your options explained
    • Tax and pensions How tax relief, tax-free allowances and tax on income works
    • Make the most of your pension Understand your pension options and work out your retirement income and costs

    ALL PENSIONS AND RETIREMENT

    Tools

    Appointment

    Get a free Pension Wise appointment

    Calculator

    Pension calculator

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    Money Midlife MOT

    Tool

    Get retirement guidance

    ALL TOOLS

    Get a free Pension Wise appointment

    Find out how you can take money from a defined contribution pension. Pension Wise is free, impartial and backed by government.

    • How to save Getting started, getting the most out of savings, problems
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    Pensions issues? Join our community group

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  3. Illness and disability
Family & care Illness and disability

Help to find work if you’re disabled

If you’re looking for work, you might find it helpful to get some careers advice or training or help with your CV or interviews. This guide outlines the support available including government initiatives to remove some of the barriers disabled job seekers face.

What’s in this guide

  • Where to get careers advice
  • Speak to a Disability Employment Adviser
  • Look for disability-friendly employers
  • Help applying for jobs
  • Work and Health Programme
  • Access to Work
  • Training

Where to get careers advice

If you’re not sure what type of work you’d like or want to find out more about a certain career, speak to a careers adviser.

Careers advice from your school or local authority

If you’re aged 13-19 and you have a learning difficulty and/or disability, your school must offer you face-to-face careers guidance.

This applies whether or not you have a Statement of Educational Needs (SEN).

Contact your school and ask to speak to the careers adviser.

If you’re under 25, your local authority should provide you with careers advice if you have a Section 139A Learning Difficulty Assessment.

The National Careers Service

The National Careers Service provides confidential and impartial advice to help you make decisions about training and work.

If you’re aged 13-18 you can phone them and ask for a call back, email them a question or use their webchat service or moderated chatroom.

Find out more options for young people to contact on the National Careers Service website

If you’re aged 19 or over and you have a disability, learning difficulty or health condition, you can also get at least three sessions of face-to-face advice.

Call the National Careers Service on 0800 100 900 to make an appointment with a local adviser.

If you're over 19 years old, contact the National Careers Service
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Speak to a Disability Employment Adviser

Disability Employment Advisers can advise you on job seeking, training and new skills, and government schemes.

They can also tell you about disability-friendly employers in your area.

Ask to speak to a Disability Employment Adviser at Contact Jobcentre Plus 
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Look for disability-friendly employers

When you’re looking through job adverts and completing application forms, look for the ‘two ticks’ symbol which means the employer is committed to employing disabled people.

If a job advert displays the symbol, you’ll be guaranteed an interview if you meet the basic conditions for the job.

Find out more about the Two Ticks scheme on the GOV.UK website

Use our Benefits calculator

If you’re living on a low income or have had an income shock, use our Benefits calculator to quickly find out what you could be entitled to.

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Help applying for jobs

Should you mention your disability when applying for a job?

You don’t have to mention your disability when you apply for a job, but if you decide not to, you might not be able to make a complaint about discrimination if your employer wasn’t aware.

It’s a good idea to plan how and when you’re going to tell an employer about your disability.

Think about how you can discuss your disability positively and always focus on how your skills and abilities fit the job.

Find out more about how the law protects disabled workers on the GOV.UK website

Useful information on CVs and applying for jobs

Find out more about applying for jobs if you’re disabled on the GOV.UK website

More about applications and interviews on the Disability Rights UK website

Use the CV builder on the National Careers Service website

Find out more about how equality law applies to recruitment on the Equality and Human Rights Commission website

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Work and Health Programme

The Work and Health Programme is a voluntary scheme that can be used by disabled people to get back into work. It’s run by Jobcentre Plus.

The programme can help you find a job and build confidence through:

  • training
  • interview coaching
  • skills development.

Ask a Disability Employment Adviser at the Jobcentre or your work coach how to apply.

Find out more about Work and Health Programme on the GOV.UK website
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Access to Work

If you need support to attend an interview, such as an interpreter, or a taxi fare to get there, you might be able to get an Access to Work grant for this.

You can also apply to Access to Work to support a mental health condition.

Ask a Disability Employment Adviser at the Jobcentre or your work coach how to apply.

Find out more about Access to Work on the GOV.UK website

When you get a job, Access to Work can also provide you with money to pay for things like specialist equipment and services to help you stay in work.

Read our guide Support to help you keep your job when ill or disabled
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Training

If you want to improve your existing skills or develop new ones, ask your Disability Employment Adviser at the Jobcentre about training opportunities.

You might be able to enrol in:

  • an apprenticeship scheme – where you can get a qualification alongside practical experience and on-the-job training
  • a residential training course designed to help you find work if you’re disabled and have been unemployed for a long time.
Find out more about apprenticeship schemes  on the GOV.UK website
Find out more about residential training for disabled adults on the GOV.UK website
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Illness and disability

Finding support to help you work or study

  • Support to help you keep your job when ill or disabled
  • Support to help you study when ill or disabled
  • Help to find work if you’re disabled
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website

Finding support to help you work or study

  • Support to help you keep your job when ill or disabled
  • Support to help you study when ill or disabled
  • Help to find work if you’re disabled
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