Factsheet 4

Benefits and Pensions

There are two general kinds of benefit that may be available to deafened people: those available under the Department of Work and Pensions (DWP), and those under the local authority (unitary, district, city or borough council). Details of the state benefits available to people with disabilities can be obtained from your local Jobcentre Plus, or their website: (http://www.jobcentreplus.gov.uk/JCP/Customers/WorkingAgeBenefits/Dev_007985.xml.html)

Jobcentre Plus
All applications for benefit from people of working age are handled by the local office of Jobcentre Plus. Look in the Business Pages of the telephone directory under “Jobcentre Plus” to find the office nearest to your home. You can call the Benefit Advisory Line on 0800 882200 (voice) or 0800 24 33 55 (text). The Disability Employment Adviser (DEA) at Jobcentre Plus will be able to give information about benefits which might be available if you become unemployed as a result of your deafness.

Disability Living Allowance /Attendance Allowance
Disability Living Allowance (DLA) for people aged up to 65, or Attendance Allowance (AA) if over 65, is a tax-free benefit for people with an illness or disability who need help with getting around and/or help with personal care. Many deafened people have successfully claimed the care component although deafness, in the absence of any other disability, is unlikely to justify the mobility component. It does not normally need a medical examination and is not usually affected by the savings you have any money you have coming in.
To claim DLA, an application form more than 20 pages long, obtainable from Jobcentre Plus, has to be completed. You are strongly advised to get help to complete the form (and deal with any subsequent appeals) from either your local Adult Social Services team or Citizens Advice Bureaux. It is quite usual for deafened people to be turned down when they first apply but then be successful at appeal.

Employment and Support Allowance
From October 2008 Employment and Support Allowance replaces Incapacity Benefit and Income Support and offers both personal support and financial help. It applies for deafened people who are over 16 years old and under State Pension age and additionally are either unemployed, self employed, or work for an employer but cannot get Statutory Sick Pay.
What you will receive will be determined by a new form of assessment, to identify what you can do (with appropriate support), rather than what you cannot do. Although assessments are often disliked, that may well be good news for deafened people because most want to remain in employment and are capable of doing so but will almost certainly need some communication support. For all being assessed, the following weekly rates apply (as at February 2009):

The first 3 days of your claim

No payment

During assessment
(13 weeks)

Aged under 25: Up to £47.95

Aged over 25: Up to £60.50

If you are able to work
(with appropriate support)

Up to £84.50

If you are unable to work

Up to £89.50


If you qualify for income-related Employment and Support Allowance more may be paid to you, your spouse or civil partner but you will need to talk to your assessor or personal adviser to pursue that possibility.

Local Authority Benefits
Council Tax Benefit or Housing Benefit may be available automatically as a result of being on Income Support or they can be applied for separately. Details may be obtained from the Citizens' Advice Bureau or from your Local Authority.

Pensions
If you are a member of a public sector or company pension scheme, you may be entitled to take your benefits early should your deafness cause you to retire. The amounts payable may however be significantly reduced reflecting the shorter time you had been a member and earlier age at retirement. Scheme benefits vary widely and are defined in the scheme documentation and statements provided to you. In addition to consulting these you should ask your employer or the scheme trustees to provide specific information on your position.
If you have been paying into a private pension arrangement, the position on early retirement will be defined in the scheme documentation and you should ask the company managing the arrangement, or the broker who set it up, to provide you with specific information.
Where options exist for money to be transferred from any scheme or arrangement, e.g. to set up your pension with another company, or if you need additional advice, you should consult an Independent Financial Adviser who will identify the best deal available for you.