You can check your payments are correct online
Many DWP payments are failing to arrive in people’s bank accounts, with people missing out on £3,000 in the average case. Benefits experts have shared some helpful guidance about the worrying trend.
Thousands of pounds a year in payments are failing to arrive as they should for one simple reason: people are not claiming the support they are due. Experts at debt advice group Money Wellness warn that in their experience, people are missing out on around £3,000 a year age, the same as £250 a month. Rebecca Lamb, external relations manager at Money Wellness, said people frequently fail to apply for what they are entitled to, even when they are aware that the support exists. She said: “It’s not just awareness. There are other barriers too.
“Stigma is still a big one. A lot of people feel uncomfortable about claiming benefits, especially if they’ve worked all their lives.” For instance, those of state pension age on a low income may be eligible to claim Pension Credit.
Income boost
You may have always supported yourself financially throughout your working life and plan to continue doing so in retirement. But this particular benefit could make a big difference. The average claim is worth more than £4,000 in support, topping up your weekly income while also unlocking access to additional help.
The benefit boosts your income to up to £238 a week for single claimants and up to £363.25 a week for couples. Additional amounts may be available depending on your personal circumstances, such as if you have a severe disability or if you care for another adult.
The process can put people off
Ms Lamb warned that another problem is people being deterred by the lengthy application process. She said: “The process can also put people off.
“It can feel complicated, it’s definitely time-consuming, and it can be quite overwhelming if you’re already struggling. There’s also fear of being rejected, which stops people even trying.
“And sometimes it’s just life. People are busy, they’re dealing with bills, work, family pressures, and applying for support gets pushed to the bottom of the list.”
She urged for more action to boost awareness. The advocate said: “There’s a real opportunity for more organisations to be more proactive. At the moment, too much relies on people knowing when to check, and in reality, most people don’t.
“If the DWP or local authorities could prompt people when something changes – even just a simple message saying ‘you may want to check what you’re now entitled to’ – that could make a real difference.”
Better signposting
She suggested that service providers such as banks and utility companies could also do their bit, by directing people towards support if they are missing payments or dipping into their overdraft.
Ms Lamb said: “They’re often in a position to see the early signs first, with things like overdrafts creeping up or missed payments. That’s usually the point where a bit of signposting to benefits checks or debt advice could really help people before things get worse.”
You can get an estimate of what benefits you may be eligible for using an online calculator tool. There are several available, including the Better Off Calculator.

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