Health

Health factors are a contributing factor to debt problems. Being ill or having an injury that affects you for any length of time can have a big impact on you financially.

For instant, free debt advice, use CCCS Debt Remedy to find out the best solution for your situation

In some cases, even if you have recovered and are back at work, you may still be finding it hard to cope with the mounting bills. If you would like some advice when it comes to your financial situation, we are happy to help.

You can use our online debt counselling service, which will provide you with free debt advice and the most appropriate solution to your debt problem. Alternatively contact our free Helpline on 0800 138 1111.

In the meantime you may find some of the following tips useful.

Benefit entitlement

Check your benefit entitlement.  Depending on your circumstances you maybe able to claim benefits such as Statutory Sick Pay or Industrial Injuries Disablement Benefit. You may also be entitled to money to help pay your rent or Council Tax.

Government mortgage schemes

If you are a homeowner, check to see whether you are entitled to help from one of the government mortgage schemes.

Payment protection insurance

If you have paid for payment protection for any of your debts, check if you are eligible to claim on them. Usually this insurance will pay your normal monthly payment for you.

Disability living allowance

If your condition is long-term, you may want to consider an application for Disability Living Allowance. You can make a claim by speaking to the Department for Work and Pensions.


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FAQs

You may be entitled to some government benefits to help increase your income. You could speak to your local benefits office or visit Turn 2 Us, a government website with a benefits calculator. If you are struggling to pay your debts and would like advice on benefits please call our helpline. One of our specialist benefit advisors will be able to check if you are entitled to any benefits.



Payment protection insurance (PPI), is insurance that will pay out a sum of money to help cover your monthly repayments on your debt you took it out for if you are unable to work. This could be because you have an accident or sickness, or become unemployed through no fault of your own. Some payment protection policies will pay the debt off if you die.


© Consumer Credit Counselling Service 2011