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Benefits advice

The welfare benefits system can be difficult to navigate. Our friendly staff can help advise on which benefits you, or a loved one might be entitled to. We can also assist with disability benefit appeals.

An elderly couple

How we might be able to help

Means tested benefits

If you are on a low income there are two key benefits you could apply for. If you are over State Pension Age this is Pension Credit. If you are of working age this is Universal Credit.

You can get help with housing costs (rent, service charges etc) through Universal Credit, Pension Credit or Housing Benefit. If you are struggling to pay your mortgage contact us for further advice. You may also be able to claim Council Tax Support, sometimes called Council Tax Reduction, from your local authority to help reduce your council tax bill.

Our benefit executives can discuss these in more detail with you and complete a benefit calculation so call our helpline on 0300 102 1919 or email

Disability benefits

If you have a health condition or disability that is impacting on your daily living or mobility you may be eligible to claim a disability benefit which is not affected by your income or savings.

Depending on your age the benefit you apply for differs:

NB. There is a different system within Scotland and you can find more information on Social Security Scotland.

Carers benefits

If you are caring for someone who is in receipt of a disability benefit detailed above, depending on your circumstances, you may be eligible to claim Carers Allowance or a Carers Element or Addition.

If you or the person you care for have needs that are not being assessed by your local authority our advocacy team may be able to assist. See our advocacy page to see what support they can offer.

Benefits appeals

When you claim benefits you may not always receive the award you feel you are entitled to but you do have the option to challenge these decisions depending on when they were made and what action has been taken so far.

Stage One - Mandatory Reconsideration
Stage Two - Appeal

Our benefit executives can provide advice on challenging these decisions and may be able to help you with these so please contact us on 0300 102 1919 or email

Income Maximisation booklet

As well as ensuring that you have all your benefit entitlement it may be useful to ensure you are minimising your outgoings and receiving any concessions or discounts available to you. We have produced a free booklet that covers these keys topics.

Full budgeting advice is available at Money Helper.

My role as a Welfare Benefits Executive

Jen Kelly is a Welfare Benefits Executive for the RAF Benevolent Fund, in this guest blog, Jen tells us about her role and about the new advice blog.

2 February 2018

Helping the RAF Family to maximise their income

In this edition of our advice blog, Welfare Benefits Advisor Jen Kelly outlines how the RAF Family can make sure they are maximising their income, particularly in…

Changes to the free TV licence scheme

In this advice blog, Welfare Benefits Advisor Jen Kelly outlines how upcoming changes to the free TV licence scheme could affect RAF veterans.

31 July 2020

Navigating the complicated benefits system

It can be difficult to navigate the complicated benefits system, whether you are currently serving or retired, especially when the need comes at a stressful or…

16 February 2021
Jen Kelly

How benefit changes could affect the RAF Family

In our latest advice blog, Welfare Benefits Advisor Jen Kelly outlines how upcoming changes in benefits could affect RAF veterans and personnel.

22 March 2021

Am I eligible for support?

View our eligibility checklist to see if you would qualify for help.

Get in touch

To find out more, or discuss your case email or call 0300 102 1919. Alternatively, you can submit a query online.