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Money, tax and benefits

Incapacity Benefit factsheet

If you can't work because of illness or disability you may be able to get Incapacity Benefit (IB), a weekly payment for people under State Pension age - currently 60 for women and 65 for men.

Who is eligible?

You may be able to get Incapacity Benefit if any of the following apply to you:

  • your Statutory Sick Pay has ended, or you can't get it
  • you were under State Pension age when you became sick

or

you must:

  • be aged between 16 and 20 (or under 25 if you were in education or training at least three months immediately before turning 20)
  • have been too ill to work because of sickness or disability for at least 28 weeks
  • have been too ill to work before you turned 20 (or under 25 if you were in education or training at least three months immediately before turning 20)

If you’ve been living or working abroad

Living or working abroad can affect your Incapacity Benefit claim. But you may be able to claim if you’ve either:

  • paid enough UK National Insurance Contributions (NICs) in the past (and the equivalent in certain other countries – ask your local Jobcentre Plus office for details)
  • worked abroad for an employer based in the UK and paid NICs for the first 52 weeks of that employment


If you haven't paid enough National Insurance contributions

You may be able to claim Incapacity Benefit even if you haven’t paid enough National Insurance contributions if the following apply:

  • you’re aged under 20 (or 25 if you were in education or training at least three months immediately before turning 20)
  • you’ve been sick for 28 weeks
  • you’re present and resident in Great Britain for 26 weeks in the year before you claim

If you’re in the Armed Forces or you live and work within the European Economic Area (EEA), you may still be treated as being resident in the UK.



How it works

Incapacity Benefit is paid at three weekly rates:

  • short-term (lower) IB is paid for the first 28 weeks
  • short-term (higher) IB is paid from weeks 29 to 52
  • long-term IB is paid from week 53

How much do you get?

Current weekly amounts

Weekly rate Amount  Amount if you're over State Pension age
short-term (lower rate)

£59.20  

£75.35
short-term (higher rate) £70.05 £78.50

long-term basic rate  

£78.50 -

You may be able to get extra benefit an 'age addition' with your long-term Incapacity Benefit if you were under 45 when you became too ill or disabled to work.

You may be able to get extra benefit for your partner, civil partner or the person who looks after your children.



How it’s paid

Incapacity Benefit is paid into your bank, building society, Post Office® or National Savings account that accepts Direct Payment.

If you’re registered blind or need someone who cares for you to collect your money, your payment can be sent by cheque and cashed at the Post Office®.

Effect on other benefits or tax credits

You can do some types of  'permitted work' and still claim Incapacity Benefit.

But if you get Incapacity Benefit and a wage, this could affect income-related benefits you get like Income Support, Housing Benefit or Council Tax Benefit.

Personal Capability Assessment and medical examination

When you make a claim for Incapacity Benefit you'll usually have a Personal Capability Assessment.

As part of this, a doctor may recommend that you attend a medical examination.

Working while claiming Incapacity Benefit - 'Permitted Work'

If you're getting Incapacity Benefit you may be able to do some types of work - within limits. This is called 'Permitted Work'.



How to claim

You can claim Incapacity Benefit by doing one of the following:

  • claim online
  • contact your local Jobcentre Plus office
  • download the claim form

What to do if your circumstances change

It’s important you contact your local Jobcentre Plus office if your circumstances change - for example if:

  • you start work
  • you enter or leave hospital 
  • your partner or civil partner goes into hospital (if you get extra money for them)
  • you go abroad temporarily or permanently (you may be entitled to some form of incapacity benefit overseas)

For more information, you can contact your local Jobcentre Plus office.

How to appeal

If you’re refused Incapacity Benefit or have questions about your payment, you can ask the office that dealt with your claim to look again at their decision.

If you’re still unhappy with the outcome, you can appeal.

What else you need to know

You may be able to get Child Tax Credit or Working Tax Credit if you're responsible for at least one child or on a low income.

You can order a claim pack over the phone by calling one of the helplines.

If you live in England, Scotland or Wales call 0845 300 3900, textphone 0845 300 3909.

If you live in Northern Ireland call 0845 603 2000, textphone 0845 607 6078.

Lines are open every day from 8.00 am to 8.00 pm.

Or you can  pick up a claim pack from your nearest HMRC Enquiry Centre or Jobcentre Plus office.

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