We know it’s tough right now

The news avalanche can feel overwhelming right now and it’s sometimes hard to know what’s real or not. For the latest guidance on responding to COVID-19 check out www.gov.uk and www.nhs.uk.

There are some great tips and advice on how to stay connected to the older generation during these uncertain times. We can all help prevent loneliness in some simple ways. Check it out at www.independentage.org

Useful resources

We know that many people are facing a reduction or loss of income altogether as a result of these unprecedented times.  The Government has put in place some wide-ranging measures for business and in welfare and we encourage you to look at these.  Go to HMRC for news and details of business and employee support.

 

HMRC – Advice for business

  • A Coronavirus Job Retention Scheme
  • Deferring VAT and Income Tax payments
  • A Statutory Sick Pay relief package for small and medium sized businesses (SMEs)
  • A 12-month business rates holiday for all retail, hospitality, leisure and nursery businesses in England
  • Small business grant funding of £10,000 for all business in receipt of small business rate relief or rural rate relief
  • Grant funding of £25,000 for retail, hospitality and leisure businesses with property with a rateable value between £15,000 and £51,000
  • The Coronavirus Business Interruption Loan Scheme offering loans of up to £5 million for SMEs through the British Business Bank
  • A new lending facility from the Bank of England to help support liquidity among larger firms, helping them bridge coronavirus disruption to their cash flows through loans
  • The HMRC Time To Pay Scheme

 

HMRC – Advice for employees

  • Furloughed workers -if your employer cannot cover staff costs up to £2500 pm due to COVID-19, they may be able to access support to continue paying part of your wage, to avoid redundancies
  • Sick pay – you can get £94.25 per week Statutory Sick Pay (SSP) if you’re too ill to work. It’s paid by your employer for up to 28 weeks
  • If you are staying at home because of COVID-19 you can now claim SSP. This includes individuals who are caring for people in the same household and therefore have been advised to do a household quarantine
  • To check your sick pay entitlement, you should talk to your employer, and visit the Statutory Sick Pay (SSP) page for more information
  • SSP start date – the govt is legislating for SSP to be paid from day 1, rather than day 4, of your absence from work if you are absent from work due to sickness or need to stay at home due to COVID-19. Once the legislation has been passed, this will apply retrospectively from 13 March. You should talk to your employer if you are eligible for SSP and need to claim
  • Proof of sickness – if you have COVID-19 or are advised to stay at home, you can get an ‘isolation note’ by visiting NHS 111 online, rather than visiting a doctor. For COVID-19 cases this replaces the usual need to provide a ‘fit note’ (sometimes called a ‘sick note’) after 7 days of sickness absence
  • If you’re self-employed or not eligible for SSP – for example if you are self-employed or earning below the Lower Earnings Limit of £118 per week – and you have COVID-19 or are advised to stay at home, you can now more easily make a claim for Universal Credit or new style Employment and Support Allowance
  • If you are eligible for new style Employment and Support Allowance, it will now be payable from day 1 of sickness, rather than day 8, if you have COVID-19 or are advised to stay at home
  • Furloughed workers – if your employer cannot cover staff costs due to COVID-19, they may be able to access support to continue paying part of your wage, to avoid redundancies
  • If your employer intends to access the Coronavirus Job Retention Scheme, they will discuss with you becoming classified as a furloughed worker. This would mean that you are kept on your employer’s payroll, rather than being laid off.   To qualify for this scheme, you should not undertake work for them while you are furloughed. This will allow your employer to claim a grant of up to 80% of your wage for all employment costs, up to a cap of £2,500 per month
  • You will remain employed while furloughed. Your employer could choose to fund the differences between this payment and your salary, but does not have to
  • If your salary is reduced as a result of these changes, you may be eligible for support through the welfare system, including Universal Credit
  • The Coronavirus Job Retention Scheme is intended to run for at least 3 months from 1 March 2020, but will extend if necessary
  • Claiming benefits – whether you are currently in or out of work, if you are on a low income and affected by the economic impacts of COVID-19, you will be able to access the full range of the welfare system, including Universal Credit
  • From 6 April the govt is increasing the standard allowance in Universal Credit and the basic element in Working Tax Credit for 1 year. Both will increase by £20 per week on top of planned annual uprating. This will apply to all new and existing Universal Credit claimants and to existing Working Tax Credit claimants
  • If you have COVID-19 or are staying at home – you are now able to claim Universal Credit, and if required can access advance payments upfront without needing to attend a jobcentre
  • If you are self-employed you are able to claim Universal Credit, providing you meet the usual eligibility criteria
  • To support people with the economic impact of the outbreak, and allow you to follow government guidance on self-isolation and social distancing, from 6 April the requirements of the Minimum Income Floor for the self-employed will be temporarily relaxed. This change will apply to all Universal Credit claimants and will last for the duration of the outbreak
  • New claimants will not need to attend the jobcentre to demonstrate gainful self-employment
  • Support for rent costs – you should check your eligibility for Universal Credit, which is available for people in and out of work. Support for rental costs will be paid through Universal Credit
  • From April, the govt are increasing Local Housing Allowance rates to the 30th percentile of market rents. This applies to all private renters who are new or existing Universal Credit housing element claimants and to existing Housing Benefit claimants