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Employment and support allowance overview 1. What is employment and support allowance? Employment and support allowance (ESA) is a new benefit paid if your ability to work is limited by ill health or disability and you are claiming after 27 October 2008. It replaces both incapacity benefit (IB) and income support (IS) paid on the grounds of incapacity. 2. What are the rules for ESA? If you are claiming ESA you must:
1. a contributory test 2. be under age 20 (or 25 in certain cases) 3. a low income test 3. What is the assessment phase? This applies to all new ESA claimants, with the exception of those who are terminally ill. The assessment usually takes place over 13 weeks, but can be longer, during which claimants undergo a work capability assessment and a work focused interview. You can view the regulations for the assessment phase at www.opsi.gov.uk/si/si2008/uksi_20080794_en_3#pt2 3.1 The work capability assessment The ESA work capability assessment (WCA) is more complex than that currently used for incapacity benefit. The assessment will be carried out by a health care professional working on behalf of the Department for Work and Pensions. It is intended to:
The test for ‘limited capability for work’ has many similarities to the incapacity benefit PCA. Points are scored based on your ability to carry out a range of physical or mental health activities as appropriate. You score points according to your inability to carry out these tasks. If you score 15 points you are deemed to have limited capability for work and can stay on ESA. If you fail this part of the test you will be moved onto jobseeker’s allowance instead. You can view the activities for the limited capability for work test at www.opsi.gov.uk/si/si2008/uksi_20080794_en_15#sch2. The 'limited capability for work-related activity' test is used to decide whether you are placed in the support group of claimants or the work-related activity group (see 8). The test has a list of 46 descriptors, relating to both physical and mental functions. If at least one of them fits, you will be placed in the support group of claimants. You can view the activities for the limited capability for work-related activity test at www.opsi.gov.uk/si/si2008/uksi_20080794_en_17#sch3. The ‘work-focused health-related assessment’ (WFHRA) collects information about your ‘functional capacity’ to carry out tasks. This focuses on the things you can do as opposed to the limited capability for work assessment, which focuses on the things you cannot do. The WFHRA also collects information about any health interventions that could improve your functional capacity and thus support a move back into work. This could include the use of appropriate aids and adaptations. The information collected in the WFHRA is put into a ‘capability report’ which is used in the work-focused interview. You can view the regulations for the work-focused health-related assessment at www.opsi.gov.uk/si/si2008/uksi_20080794_en_6#pt8-ch1. For more information see our Factsheet F32 - employment and support allowance medical tests. 3.2 The initial work-focused interview You are expected to attend an initial ‘work-focused interview’, unless you are terminally ill. This will normally take place during the 8th week of their ESA claim. At this interview a ‘personal adviser’ will discuss your work prospects, the steps that you are willing to take to move into work and the support available to you. As a guide, the personal adviser will be using the capability report that was produced in the work-focused health-related assessment. The interview can be waived if you are likely to be starting a job or returning to work. The personal adviser can also defer an interview if, because of your condition, it would be inappropriate at that particular time. You can view the regulations for the work-focused interview at www.opsi.gov.uk/si/si2008/uksi_20080794_en_6#pt8-ch2. 4. The contributory test You will need to have paid enough National Insurance contributions in specific tax years to satisfy this test. If you do pass the test you will receive a flat-rate benefit, which is similar to incapacity benefit. Contributory ESA has no age-related additions or additions for dependents (such as a wife, husband or civil partner or child) premiums or allowances for housing costs. In order to get additions for your partner, premiums or housing costs you will need to also satisfy the low income test (see 6). If you need extra money to look after a child, you should claim child tax credit . 5. Under age 20 If you have limited capability for work from and claim ESA before the age of 20 (or 25 if you have been in education or training) you do not have to satisfy the contribution conditions. 6. The low income test This is a test similar to income support. In brief, your needs (and those of your partner if you have one) are compared with your resources, such as your income and savings, and the income-related allowance worked out from this comparison. 7. Those in the support group If it is decided that you have a limited capability for work-related activity, you will be placed in the support group of claimants. If you are placed in this group, you will not have to undertake work-related activities (though you can volunteer to do so if you want). 8. Those in the work-related activity group If it is decided that you do not have a limited capability for work-related activity, you will be placed in the work-related activity group of claimants. You will have to adhere to strict work-related conditions in order to continue receiving the benefit in full. This will involve attending a series of five further work-focused interviews in addition to the initial work-focused interview. These interviews will normally take place each month and at them the personal adviser will try to help you back into work. As with the initial work-focused interview, they will be using the capability report as a guide. They will draw up an ‘action plan’, which will outline the activities that you could undertake to help you move into work. 9. How much is ESA? 9a. The assessment phase During the assessment phase you are paid a ‘basic allowance’. This is set at a similar level to that of jobseeker’s allowance. If you are aged under 25 you will receive a reduced rate of this basic allowance. Once you have completed the assessment period the reduction for under 25s does not apply. If you are on contribution based ESA you will get: under 25 – £47.95 If you are on income based ESA you may get: single and under 25 – £47.95 You may also be able to get additional premiums (pensioner, severe disability, carer and enhanced disability premiums). For information on these see our Factsheet F45 - income support. There is no disability premium with ESA. After the assessment phase you can receive one of two additional payments depending on whether you are placed in the work-related activity group or the support group. 9b. Work related activity phase If you are placed in the work-related activity group you will receive a work related activity component of £24.00. If you are on contribution based ESA you will get: under 25 – £84.50 If you are on income based ESA you may get: single and under 25 – £84.50 You may also be able to get additional premiums and housing costs. 9c. Support group phase If you are placed in the support group you will receive a support component of £29.00. If you are terminally ill this component will be paid to you during the assessment phase. If you are on contribution based ESA you will get: under 25 – £89.50 If you are on income based ESA you may get: single and under 25 – £102.10 Everyone in the support group, who is on income based ESA, gets the enhanced disability premium (included in the figures above). You may also be able to get additional premiums and housing costs. 10. Sanctions Both the initial work-focused interview and the follow-up interviews are mandatory. If you fail to either attend or participate in a work-focused interview, your ESA may be paid at a reduced rate or ‘sanctioned’. Sanctions can only be applied to the additional payments of ESA, not the basic allowance. Hence sanctions can only be applied when the assessment phase of the benefit is over. For the first 4 weeks the sanction will consist of a 50% reduction to the additional payment within your ESA. Thereafter the additional payment will be removed completely. The sanction will last for as long as you do not comply with the requirements that are demanded of you. For instance, if you refuse to attend a work-focused interview, the sanction will apply until you do attend one. For more information see our Factsheet F34 - employment and support allowance sanctions. 11. What about those who are already getting IB or IS? If you are already receiving incapacity benefit (IB) or income support (IS) paid on the grounds of incapacity when ESA is introduced you will continue to receive those benefits, rather than ESA, for the time being. You will also continue to come under the rules and conditions which apply to IB or IS. So, for instance, your incapacity will be tested under the old IB personal capability assessment rather than the new ESA work capability assessment . The new welfare reform green paper, 'No one written off: reforming welfare to reward responsibility', proposes that between 2009 and 2013 all IB claimants will be reassessed using the new ESA work capability assessment. If you pass the assessment you will be transferred over to ESA. If you do not pass the assessment you will be moved onto jobseeker's allowance (JSA). The green paper also proposes that the IB age addition should be abolished from April 2009. However, if you are moved onto ESA, you should receive ‘transitional protection’, which will bring your ESA up to the same level as your existing rate of IB or IS. The green paper also recommends the abolition of income support, replacing IS with either ESA or JSA. As with those on IB you will be reassessed using the new ESA work capability assessment and if you pass the assessment you will be transferred over to ESA. If you do not pass the assessment you will be moved onto JSA. 12. Where can I get more help and information? This factsheet is based on the information available at the time it was written. As we find out more it will be updated. You should regularly check our website at www.disabilityalliance.org/esa.htm for these updates and any other information we post. You can view a summary of the new welfare reform green paper (and download the paper itself) at www.disabilityalliance.org/welfare3.htm. You can also obtain copies of our factsheets by contacting Disability Alliance on 020 7247 8776 (voice and minicom) or by fax on 020 7247 8765. For more detailed information Disability Alliance will be producing an employment and support allowance guide, available from mid October 2008, which you can order now.
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Customers Looking ahead and planning for the future Reporting changes of circumstances Employment and Support Allowance What is Employment and Support Allowance?
Employment and Support Allowance is a new way of helping people with an illness or disability to move into work, if they are able. It replaces Incapacity Benefit and Income Support, paid because of an illness or disability, for new claims from 27 October 2008. If you are currently receiving these benefits you will continue to receive them, so long as you continue to satisfy the entitlement conditions. Employment and Support Allowance will initially be for new customers only. However, you will be fully eligible for the work-focused help which will be available with the Employment and Support Allowance and can access this on a voluntary basis. There is evidence which shows that people are better off in work, not only financially, but in terms of their health and well-being, their self-esteem and the future prospects for themselves and their family. Employment and Support Allowance offers you personalised support and financial help, so that you can engage in appropriate work, if you are able. It gives you access to a specially trained personal adviser and a wide range of further services including employment, training and condition management support, to help you manage and cope with your illness or disability in a work context. Central to Employment and Support Allowance is the new medical assessment called the Work Capability Assessment which assesses what you can do, rather than what you can't, and identifies the health related support you might need. Most people claiming Employment and Support Allowance will be expected to take appropriate steps to help prepare for work, including attending a series of work-focused interviews with their personal adviser. Under Employment and Support Allowance if you have an illness or disability that severely affects your ability to work, you will get increased financial support and will not be expected to prepare for a return to work; however you can volunteer to do so if you want to. Can I get Employment and Support Allowance? You may be able to get Employment and Support Allowance if you have an illness or disability that affects your ability to work, and you:
How much will I get? Employment and Support Allowance consists of two phases; the assessment phase and the main phase. In most cases, if you qualify for Employment and Support Allowance you will not get any money for the first 3 days of your claim. These are called 'waiting days'. Then you will get the assessment phase rate while we assess your ability to work. The assessment phase rate is paid for the first 13 weeks of your claim while a decision is made on your capability for work through the Work Capability Assessment. The main phase rate starts from week 14 of your claim, if the Work Capability Assessment shows that your illness or disability does limit your ability to work. There are two groups within the main phase: Work Related Activity Group If you are placed in the work related activity group you will be expected to take part in work focused interviews with your personal adviser, and will have access to a range of support to help you prepare for suitable work. In return, you will receive a work related activity component in addition to your basic rate. But if you refuse to take part in work focused interviews, it may affect your benefit. Support Group If you are placed in the support group because your illness or disability has a severe effect on your ability to work, you will not be expected to take part in any work related activity, but you can do so on a voluntary basis if you want to. You will receive a support component in addition to your basic rate. What are the benefit rates? Assessment Phase A single person aged under 25: Up to £47.95 A single person aged 25 and over: Up to £60.50 Main Phase - Work Related Activity Group Single person: Up to £84.50 Main Phase - Support Group Single person: Up to £89.50 Depending on your circumstances you may be able to get more money if you get income-related Employment and Support Allowance. You can only get extra money for your husband, wife or civil partner if you get income-related Employment and Support Allowance. What is the Work Capability Assessment When you make a claim for Employment and Support Allowance, you will usually have a Work Capability Assessment. As part of this, a healthcare professional who has been approved by the Department for Work and Pensions may recommend that you attend a medical assessment. We may also ask you to take part in a Work Focused Health Related Assessment. The medical assessment will involve an interview and sometimes a physical examination, if the approved healthcare professional feels one is needed. The assessment is likely to be different from what you would expect from your own doctor. The approved healthcare professional's examination is not to diagnose or discuss treatment of your illness or disability; it is to assess how it affects you and your ability to work and the approved healthcare professional may not need to carry out a physical examination. After your medical assessment the healthcare professional may complete a Work Focused Health Related assessment. During this you will be asked about how you feel your illness or disability is stopping you working and what help you need to start work. Helping you into work, if you are able If you are in the work related activity group, you will regularly see your personal adviser to discuss your work prospects. They will give you help and advice with:
If you refuse to:
If you are in the support group you do not have to go to work focused interviews, but you can ask to talk to a personal adviser if you want to. What do I need to do next? To claim Employment and Support Allowance phone 0800 055 6688 (8.00 am to 6.00 pm Monday to Friday) A textphone service is available if you have a speech or hearing impairment, 0800 023 4888 Information about call charges If you are unable to claim by phone or online, you can download the claim form (you will have to print this form and post it to us). You must read these notes with the claim form: Employment and Support Allowance claim form notes (183.72kb) Download the Employment and Support Allowance claim form (2.10mb) These forms do not apply in Northern Ireland. We have introduced a special feature that lets you save this form as you fill it in. This feature only works in Adobe Acrobat reader 7.0 and above. This means that you no longer have to complete the form in one session. Further information Employment and Support Allowance - Help if you are ill or disabled (222.79kb) A Guide to Employment and Support Allowance - The Work Capability Assessment (163.81kb) |
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SCHEDULE 2 ASSESSMENT OF WHETHER A CLAIMANT HAS LIMITED CAPABILITY FOR WORK PART 1 Physical disabilities
Taken from http://www.opsi.gov.uk/si/si2008/uksi_20080794_en_15#sch2
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SCHEDULE 3 ASSESSMENT OF WHETHER A CLAIMANT HAS LIMITED CAPABILITY FOR WORK-RELATED ACTIVITY
Taken from http://www.opsi.gov.uk/si/si2008/uksi_20080794_en_15#sch2 |
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