The UK benefits system supports millions of people through unemployment, disability, caring responsibilities, low income, and retirement. It is complex, frequently misunderstood, and significantly underclaimed.
- The main benefits in 2026
- How to claim
- Appealing a decision
The main benefits in 2026
Universal Credit is the central working-age benefit, combining support for housing, children, disabilities, and living expenses. It is means-tested and available to people both in and out of work.
Personal Independence Payment (PIP) supports people with long-term physical or mental health conditions. It is not means-tested.
Attendance Allowance is for people aged 65 and over who need help with personal care due to illness or disability.
Pension Credit tops up weekly income for pensioners. It is chronically underclaimed despite providing significant additional entitlements.
How to claim
Most benefits are claimed online through gov.uk. Use the Turn2Us benefits calculator or EntitledTo to get a personalised assessment before claiming. Citizens Advice provides free help with applications and appeals.
Appealing a decision
If your claim is refused, you have the right to request a mandatory reconsideration and then appeal to an independent tribunal. A significant proportion of PIP appeals succeed. Never accept a decision without challenging it if you believe it is wrong.
Bottom line
The benefits system exists to support people who need it. If you or someone you know is struggling financially, checking entitlements costs nothing and could make a substantial difference.