Our benefits coverage

In our relentless effort to put more money into the pockets of financially vulnerable customers, we are proud to announce that we offer the widest benefits coverage available in the market.

While most of the benefits calculators include means-tested and contribution benefits, we also include non-contribution and passported benefits. Adding these additional benefits is especially important for the most vulnerable segments (e.g. low-income families, disable or elderly people) as they can access specific benefits and support grants.

Now, Let’s dive into the main characteristics of these types of benefits and the list of benefits we currently cover.

Means-tested benefits

Mean-tested benefits are payments available to households whose income and capital (their ‘means’) are below the amount the government estimates that they need to live on (their ‘needs’).

We currently cover the following means-tested benefits:

Universal credits;
Pension credit;
Housing benefits;
Council tax reduction;
Child tax credit;
Income-based JSA and income-based ESA;
Income support; and
Working tax credit.

Contribution benefits

Contribution benefits are available to help people who have paid enough national insurance contributions over a certain period of time. We currently cover the following contribution benefits:

Job seekers allowance (JSA); and
Employment support allowance (ESA).

Non-contribution benefits

Non-contribution benefits are payments available to households with special circumstances or to help with the extra costs of having a disability or caring for someone with a disability. Households qualify if they meet the eligibility criteria regardless of their income or capital.

We currently cover the following non-contribution benefits:

Child benefits;
Council tax discount;
Disability living allowance, Personal independence payment and Attendance allowance; and
Carers allowance.

Passported benefits

Passported benefits are benefits or grants that some people are entitled to because of their entitlement to means-tested benefits. Passported benefits are a powerful tool to provide extra support to groups that are especially vulnerable such as low-income families with children or older adults.

We currently cover the following passported benefits:

Free school meals and School clothing costs;
Warm home discount and Winter fuel payment;
Funeral support payment;
Discretionary housing payment:
Support for mortgage interest loan;
Help to save;
Scottish child payment and Kinship care allowance;
Best start grant and Best start food;
Sure start grant and Healthy start;
Child winter heating and Education maintenance allowance;
Caring allowance supplement;
Job start payment; and
Scottish welfare fund.