Physical Disability


Sometimes life can throw us a curve ball when we least expect it. If you do find that your health begins to breakdown and you develop a disability, try not to feel despondent. If you’ve planned financially and practically for retirement, this will help you to deal with your condition.

What sort of financial help is available for the disabled?

You may be entitled to extra benefits if your health deteriorates. Some of these benefits are means tested (they depend on how much income you have coming in), others aren’t:

  • Attendance Allowance
    This is available to anyone who needs help with personal care because they’re physically or mentally disabled and are aged 65 or over. Find out more about personal allowances.
  • Carer’s Allowance
    If you have a partner who is caring for you more than 35 hours a week, they could also be entitled to additional benefits. Find out more about personal allowances.
  • Disabled Facilities Grants
    If you have to make alterations to your existing home so you can continue to live there safely, financial help could be available. The government’s Disabled Facilities Grant website has more detailed information.
  • Council Tax reduction
    You may be eligible for the scheme if you live in a larger property than you would need if you or another occupant weren’t disabled.

    You’ll have to show that you’ve either:

    • an extra bathroom, kitchen or other room that you need for the disabled person
    • extra space inside the property for using a wheelchair

That list of benefits is just for starters. You may want to think about going out as well. Consider your transport options. Think carefully about where you’re living now and don’t dismiss the idea of the Disabled Person’s Bus Pass or- if you drive- a Blue Badge parking permit and Vehicle Tax Exemption.

What other help is available to me?

There are a raft of other services and support that are available to you in the community. Many are organised by each individual local authority including housing, transport and mobility services, and help at home. It’s therefore best to take a look at their website or give them a ring to find out more. If you don’t know their details, you can find out more on the Gov.uk website.