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Many UK households struggling with the rising cost of living can access emergency financial support through their local councils, even if they aren’t currently receiving state benefits.
Unfortunately, many people remain unaware that they may qualify for assistance despite not claiming Universal Credit or similar support.
Understanding the Household Support Fund (HSF)
The Household Support Fund (HSF) is a government-backed initiative aimed at providing relief to individuals and families experiencing financial hardship. While there’s a common perception that only benefit recipients are eligible, this is a misconception.
Local authorities oversee the distribution of HSF, and eligibility isn’t limited to those receiving welfare benefits. In fact, anyone facing financial pressure—whether employed, self-employed, or unemployed—can apply.
Who Gets Priority Support?
According to The Mirror, those in the most urgent financial need are prioritized by decision-makers. While benefit claimants might be more likely to receive aid, it’s not a hard-and-fast rule. Individuals who aren’t receiving any benefits are still encouraged to apply.
The level of financial assistance varies by region, with different councils offering different forms of help and payout amounts.
Example: Cambridgeshire County Council
For instance, Cambridgeshire County Council distributes HSF help through its Holiday Voucher Scheme or provides a £110 financial award per household.
This amount can either be issued as a lump sum or divided into multiple vouchers, offering flexibility depending on the household’s needs.
Expert Insight: Don’t Miss Out
Fiona Peake, a personal finance expert at Ocean Finance, emphasizes that too many people are missing out simply because they assume they don’t qualify.
“This fund is for anyone who’s struggling—those working full-time, paying bills, and still running short at the end of the month,” Peake explains.
“You don’t always need to be on Universal Credit or any other benefit to apply. The programs vary depending on your location, and some have closing deadlines, especially during the summer—so act quickly.”
Use the Benefits Calculator
If you’re unsure whether you’re entitled to any help, you can use the free benefits calculator on the Gov.UK website. This tool offers a confidential and independent assessment of what support might be available to you.
It provides an estimate of:
- Which benefits you might be eligible for
- How much you could receive
- How employment or increased hours may affect your payments
- Impact of life changes, such as having a child or moving in with a partner
In these challenging times, financial support is not just for benefit recipients. The Household Support Fund offers a vital safety net for those who are working but still struggling to make ends meet.
Don’t assume you’re not eligible—check your local council’s scheme, use the Gov.UK benefits calculator, and apply before the deadlines pass. With varying programs and amounts across the UK, a little research could provide the help you didn’t know you were entitled to.
FAQs
Do I need to be on Universal Credit to apply for the Household Support Fund?
No. You do not need to be claiming Universal Credit or any other benefit to be eligible for support. Each council sets its own rules.
How much financial help can I receive through the HSF?
It varies by location. For example, Cambridgeshire County Council offers £110 per household, but the amount differs depending on your local council.
Where can I check if I’m eligible for support or benefits?
Visit the Gov.UK website and use their free benefits calculator to find out what support you may qualify for and how much you could receive.