Author: Glenn

  • Are you now eligible for the RSV vaccine? What the new NHS rules mean for you

    Are you now eligible for the RSV vaccine? What the new NHS rules mean for you

    Short answer: from 1 September 2026, the free NHS RSV vaccine is being offered to adults aged 65 to 74 who have a chronic respiratory disease or a weakened immune system due to illness or treatment. If you’re in that group, you’ll be able to get vaccinated at your GP practice or a participating pharmacy. Everyone aged 75 and over, and all care home residents, is already eligible and doesn’t need to wait.

    What is RSV, and why does it matter to you?

    RSV stands for respiratory syncytial virus. It’s a common virus that infects the lungs and airways, and for most people it causes nothing worse than a cold. But in older adults, and in anyone with an existing lung condition or a weakened immune system, RSV can trigger pneumonia, bronchitis, or a serious flare-up of a condition you already live with — sometimes serious enough to need hospital treatment. It circulates most heavily over winter, but the risk isn’t limited to the colder months.

    Who is newly eligible for the RSV vaccine from September 2026?

    From 1 September 2026, the NHS is extending eligibility to adults aged 65 to 74 who fall into one of two groups:

    • Those with a chronic respiratory disease, such as poorly controlled asthma, chronic bronchitis, or cystic fibrosis
    • Those with immunosuppression caused by an illness or its treatment — for example, a blood cancer diagnosis or ongoing chemotherapy

    It’s important to be clear about what this doesn’t cover: simply being 65 to 74 doesn’t make you eligible on its own. You need to have one of the specific conditions above as well. If you’re not sure whether a condition you live with qualifies, your GP practice will be able to tell you.

    Who was already eligible before this change?

    This expansion builds on a programme that already covers a large number of people. Before this change, the RSV vaccine was already available free on the NHS to:

    • Everyone aged 75 and over
    • All residents in care homes for older adults, regardless of age
    • Pregnant women, to help protect newborn babies in their first months

    If you’re already 75 or older, or living in a care home, none of this changes anything for you — you should already have been offered the vaccine, and you don’t need to do anything differently in September. If you had the vaccine at 65 to 74 under the new rules, you won’t be asked to have a second dose when you later turn 75; one dose is designed to last.

    Why has the NHS expanded eligibility to this group?

    The change follows advice from the Joint Committee on Vaccination and Immunisation, which identified that people aged 65 to 74 with certain lung conditions or weakened immunity face a similar risk from RSV to those already covered by the programme. NHS England says the aim is to reach people before they become seriously unwell, rather than treating severe infections after the fact. As Caroline Temmink, NHS England’s Director of Vaccination, put it: “RSV can make people seriously ill, which is why protection for vulnerable groups matters.”

    Public Health Minister Sharon Hodgson framed it in similar terms, saying the expansion “protects higher-risk individuals before serious illness occurs.” The UK Health Security Agency’s Dr Conall Watson added that “the vaccine provides excellent protection against severe lung infection” — reflecting how the existing rollout to over-75s and pregnant women has performed since it began in 2024.

    How do you get the RSV vaccine if you’re eligible?

    From 1 September 2026, you’ll be able to get the vaccine through your GP practice or a participating high street pharmacy. GP practices are expected to contact everyone on their list who qualifies, but if you have a relevant condition and haven’t heard anything by mid-September, it’s worth contacting your surgery yourself rather than waiting for a letter that may be delayed. The vaccine used, Abrysvo, is given as a single injection and can be had at the same time as a COVID-19 vaccine if you’re also due one. It isn’t routinely given alongside the annual flu jab, so don’t be surprised if your practice books it as a separate appointment.

    What if you don’t have one of the listed conditions?

    If you’re between 65 and 74 and don’t have a chronic respiratory condition or immunosuppression, you won’t be called for the RSV vaccine yet — the general 65-to-74 population isn’t included in this expansion. That’s not a reason to worry; it simply reflects where the current evidence shows the greatest benefit. You’ll become eligible automatically once you turn 75, alongside everyone else in that age group. In the meantime, the usual advice on avoiding respiratory infections — washing your hands regularly, keeping rooms ventilated, and staying away from other people when you have cold or flu-like symptoms — still applies to everyone.

    Key takeaway

    From 1 September 2026, adults aged 65 to 74 with a chronic respiratory condition or a weakened immune system become newly eligible for the free NHS RSV vaccine, joining everyone aged 75 and over, care home residents, and pregnant women who are already covered. If you think you might qualify, don’t wait for a letter — ask your GP practice or pharmacy directly once September arrives.

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  • Is your GHIC card about to expire — and how do you renew it before your next trip abroad?

    Is your GHIC card about to expire — and how do you renew it before your next trip abroad?

    Around 1.28 million UK Global Health Insurance Cards (GHICs) are due to expire during 2026. If yours is one of them, you can renew for free at nhs.uk — it takes about five minutes online, but the new card can take up to six weeks to arrive by post during busy periods (April to June), so it pays to check now rather than the week before you fly.

    What does a GHIC actually do for you?

    A GHIC entitles you to state-provided healthcare in the European Union at the same cost as a local resident — in many countries, that means free or heavily subsidised treatment if you fall ill or have an accident on holiday. It covers things like a trip to A&E, treatment for a existing condition that flares up, and ongoing care for conditions such as diabetes or kidney dialysis. It does not cover being flown home, private hospitals, or lost luggage — that is what travel insurance is for, and you should always have both.

    How do you know if your GHIC is about to expire?

    Check the expiry date printed on the front of the card, in the same format as a bank card (MM/YY). If you cannot find the card, or never had one, you can apply from scratch on the NHS website in the same way. It is worth checking now even if your next trip is months away — you are allowed to renew up to nine months before the current card expires, so there is no downside to sorting it early.

    How do you renew it without paying a penny?

    Go directly to nhs.uk/ghic and apply through the official NHS service. You will need your name, date of birth, address and, ideally, your NHS number (found on prescriptions, letters from your GP, or the NHS App). The genuine application is free and takes around five minutes.

    • Only use the official NHS website — search for “GHIC” and look for the nhs.uk domain
    • Never enter card payment details on a GHIC application — it should not ask for any
    • If a site asks for a fee of £20 or more, it is not the official service — close it and go to nhs.uk instead

    Why do copycat websites keep catching people out?

    Because “GHIC” and “EHIC” are common search terms, several commercial websites pay to appear near the top of search results and mimic the look of an official government page. They process your genuine application, then charge a processing fee — often £20 to £39 — for a service that costs nothing through the NHS. These sites are not illegal, because they usually disclose the fee somewhere in the small print, but they rely on people not realising a free alternative exists. If you are ever unsure whether a site is official, look for the black “GOV.UK” bar or the blue NHS branding, and check the address bar reads nhs.uk exactly.

    How long will renewal actually take this summer?

    Once your application is approved, cards are typically posted within 15 working days, but the NHS Business Services Authority has warned that during the busiest months — April to June, running into the summer holiday season — it can take up to six weeks for the card to land on your doormat. If you are travelling in the next month and your GHIC has already expired, do not wait for the new card to arrive: apply as soon as possible, and pack proof of your application alongside comprehensive travel insurance, since insurance is what actually protects you financially if something goes wrong.

    What is the difference between a GHIC and the old EHIC?

    The European Health Insurance Card (EHIC) was the pre-Brexit version. Existing EHICs remain valid until their printed expiry date, so you do not need to swap one for a GHIC early — just let it run out naturally, then apply for a GHIC to replace it. Around 927,000 EHICs are also due to expire in 2026, so if you are still carrying one, it is worth a quick check of the date before you book anything.

    Does having a GHIC mean you can skip travel insurance?

    No — and this is the mistake that costs people the most money. A GHIC only covers state healthcare in the country you are visiting, on the same terms as a local resident. It will not pay for a flight home if you need medical repatriation, private treatment, or care in countries outside the EU, including much of the rest of Europe such as Switzerland (which has separate arrangements) or further afield. If you have a pre-existing medical condition, always declare it fully to your insurer — undeclared conditions are one of the most common reasons travel insurance claims are refused.

    Key takeaway

    • Check the expiry date on your GHIC now, even if your next trip is months away
    • Renew for free, only at nhs.uk — never pay a “processing fee”
    • Allow up to six weeks for the new card to arrive in summer
    • Always carry proper travel insurance too — a GHIC is not a replacement for it

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  • What is Awaab’s Law — and what should happen if you report damp or mould in your council or housing association home?

    What is Awaab’s Law — and what should happen if you report damp or mould in your council or housing association home?

    Since October 2025, a new rule called Awaab’s Law has given council and housing association tenants in England a legal right to fast action on dangerous damp, mould and other hazards. If you report a serious problem, your landlord must investigate within 10 working days and put you somewhere safe within 24 hours if the risk is severe. If you rent privately, these exact deadlines do not yet apply to you — but you still have real legal protection, explained below.

    What is Awaab’s Law?

    Awaab’s Law is named after Awaab Ishak, a two-year-old boy who died in 2020 after prolonged exposure to mould in a housing association flat in Rochdale. His death led to a change in the law that now sets strict, legally enforceable time limits for social landlords to investigate and fix hazards in the home — rather than leaving tenants to chase repairs for months, as his family did.

    The law came into force on 27 October 2025 and applies across England’s social rented sector: council housing and housing association homes.

    Does Awaab’s Law apply to you if you rent privately?

    Not yet. Awaab’s Law currently applies only to social housing — if your landlord is a council or a housing association. The Renters’ Rights Act, which took effect on 1 May 2026, contains a power to extend the same strict deadlines to private landlords in future, but the government has said it will consult on how this should work for the private rented sector first. Most commentary suggests this is unlikely before 2027.

    If you are a private tenant, you are not without protection in the meantime. Under the Homes (Fitness for Human Habitation) Act 2018, your home must be fit to live in when you move in and throughout your tenancy — and serious damp or mould can legally count as making a home unfit. Section 11 of the Landlord and Tenant Act 1985 also requires your landlord to keep the structure, exterior and key installations (heating, water, electrics) in repair.

    How quickly must a social landlord act if you report damp or mould?

    Awaab’s Law sets out clear timeframes, and it is worth knowing the exact numbers so you can hold your landlord to them:

    • Emergency hazards — within 24 hours. This covers gas leaks, a broken boiler with no heating or hot water, total loss of water, dangerous electrics, a significant water leak, a broken external door or window that leaves your home insecure, or damp and mould serious enough to pose an immediate risk. Your landlord must take steps to make the hazard safe within 24 hours of being told about it.
    • Significant hazards — investigated within 10 working days. If a hazard poses a significant risk to your health or safety but is not an emergency, your landlord must formally investigate within 10 working days of finding out about it.
    • Significant damp and mould — repairs started within 5 working days of the investigation confirming there is a genuine hazard.

    For emergency issues, an initial investigation can be done remotely (for example, over the phone or by video call) so that action starts immediately, rather than waiting for someone to visit in person.

    What happens if the repair cannot be finished in time?

    This is one of the most useful protections in the whole law, and many tenants do not know about it. If your landlord cannot complete the necessary work within the required timeframe, they must offer you and your household free, suitable alternative accommodation until it is safe for you to return home. You should not be left living with a serious hazard simply because a repair is taking longer than the law allows.

    What is changing from October 2026?

    The first phase of Awaab’s Law, from October 2025, focused mainly on damp and mould. From October 2026, a second phase widens the list of hazards covered by the same strict deadlines to include:

    • Excess cold and excess heat
    • Falls (for example, from stairs or a poorly fitted handrail)
    • Structural collapse
    • Fire, electrical hazards, and explosions
    • Hygiene and food safety issues (such as a broken kitchen extractor fan or pest infestations affecting food storage)

    This matters particularly if you are over 55 and live in social housing: excess cold and fall hazards are two of the leading causes of serious injury and hospital admission among older people at home, and until now landlords have not faced the same hard legal deadline to fix them that already applied to damp and mould.

    What should you do if your landlord does not respond in time?

    If you have reported a hazard and your council or housing association has missed the legal deadline, you have several routes open to you:

    • Put it in writing. Even if you reported the problem by phone, follow up with an email or letter stating the date you first reported it, so there is a clear record of the timeline.
    • Make a formal complaint through your landlord’s official complaints procedure — this is usually the first step before anyone else can look into it.
    • Contact the Housing Ombudsman Service if your landlord’s own complaints process does not resolve things. The Ombudsman investigates disputes between tenants and social landlords free of charge and can order landlords to carry out repairs or pay compensation.
    • Get advice from Shelter or Citizens Advice if the problem is serious or ongoing — both offer free, practical guidance on your rights and, in some cases, can help you take legal action for a court order or compensation.

    Keep photographs of the damp or mould, note down every phone call and its date, and ask for repair visits to be confirmed in writing. This record can make a real difference if you need to escalate your case.

    Key takeaway

    If you rent from a council or housing association in England, your landlord now has legally binding deadlines: 24 hours to make an emergency hazard safe, 10 working days to investigate a significant one, and 5 working days to start fixing serious damp or mould. If they cannot finish the work in time, they must offer you free alternative accommodation. From October 2026, the same deadlines extend to excess cold, falls, fire and electrical risks — so keep a written record of every report you make, and do not be afraid to escalate to the Housing Ombudsman if your landlord misses its legal deadline.

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  • How do you arrange respite care for a break from caring — and is any of it free?

    How do you arrange respite care for a break from caring — and is any of it free?

    Respite care gives you, as an unpaid carer, a proper break — anything from a few hours of cover at home to a week in a care home while you rest. It is not automatically free, but you may not have to pay for all of it either. Three routes can help: a free carer’s assessment from your council, NHS Continuing Healthcare if the person you look after has significant health needs, or a small grant from a carers’ charity. The starting point for all three is the same phone call.

    What actually counts as respite care?

    Respite care is any arrangement that gives you time away from your caring role, while the person you look after continues to be looked after. It can take several forms: a paid carer coming into the home for a few hours a week, a short stay in a residential care home (sometimes called a “respite bed”), a place at a day centre, or a live-in carer covering while you go away. There is no single official definition — what matters is that it is planned, and that it gives you a genuine break rather than just moving the caring elsewhere in your household.

    You do not need to wait until you are exhausted or at crisis point to ask for it. Carers UK and Carers Trust both encourage people to think of a break as routine maintenance, not an emergency measure — the same way you would not wait for your car to break down before ever having it serviced.

    How do you ask for a carer’s assessment?

    Contact your local council’s adult social care team and ask specifically for a carer’s assessment — a separate assessment from any care needs assessment carried out for the person you look after. You are entitled to one under the Care Act 2014 if you provide regular, unpaid care, regardless of your own income or savings. It does not matter whether the person you care for has ever had an assessment themselves.

    The assessment looks at the impact caring has on your own health, wellbeing, work, and ability to have a life alongside your caring role — and specifically whether a break would help. It is usually a conversation, either over the phone or at home, and there is no charge for it. One practical tip: when you call, ask for “a needs assessment and a carer’s assessment” in the same sentence — this avoids being passed between teams or having the request logged as only one of the two.

    Will the council pay for your break?

    If the assessment identifies that a break would benefit you, the council has a duty to consider meeting that need — but whether it pays depends on the financial assessment of the person you care for, not your own finances. If their savings and capital are below £23,250, the council should contribute towards the cost. Usefully, if the break involves a short stay in a care home, their own property is not counted towards that threshold, because it is treated as a temporary stay rather than a permanent move.

    You can ask the council to arrange the respite care directly, or request a direct payment so you can organise it yourself — for example, booking a care home you already know and trust, or hiring a carer the family has used before. Direct payments tend to give you more flexibility over timing, which matters if you need to plan around a specific date such as a family wedding or a hospital appointment of your own.

    Can the NHS ever pay for a break instead?

    If the person you care for has substantial, ongoing health needs — rather than primarily social care needs — they may qualify for NHS Continuing Healthcare (CHC). Where CHC funding is in place, it covers the full cost of care, including respite, with no means test. Ask the person’s GP or district nurse to arrange the initial CHC “checklist” assessment if you think this might apply. It is worth pursuing even if you are unsure, since being wrongly assessed as social care rather than healthcare is one of the most common reasons families end up paying for care that should have been free.

    What if you do not qualify for council or NHS funding?

    Many carers fall outside both routes, particularly where savings are just above the £23,250 threshold. Two charity resources are worth knowing about even if you expect to self-fund:

    • Carers Trust — offers small grants towards the cost of a break through its network of local partner organisations. Grants vary by area, so contact your nearest local Carers Trust partner to ask what is currently available.
    • Turn2us — runs a free online grants search tool that matches you to charitable and benevolent funds based on your circumstances, location, and even a past occupation (many industries and trade unions run their own welfare funds that people forget they are eligible for).

    It is worth applying to more than one source at once — grant funds are usually small (often a few hundred pounds), but several combined can cover a meaningful stretch of cover.

    How much does respite care cost if you do pay yourself?

    Costs vary by region and by type of care, but as a general guide in 2026: home-based respite visits typically start from around £25 an hour, and live-in respite cover is typically around £1,100 a week. A short residential stay in a care home varies more widely by area and by the level of care needed, so it is worth asking two or three local care homes for their respite rates directly rather than relying on a national average — prices in this specific market differ significantly between towns even a few miles apart.

    What is the simplest first step?

    Make one phone call to your council’s adult social care team and ask for a carer’s assessment. While you are on the phone, ask whether the person you care for has ever been assessed for NHS Continuing Healthcare — if not, and their needs are complex, ask their GP about it separately. Then, whatever the outcome, search Turn2us and contact your local Carers Trust partner to see what grant support exists in your area. Doing all three does not commit you to anything, and between them they cover most of the ways a break can end up being paid for, rather than something you assume you have to fund entirely alone.

    Key takeaway

    You do not have to reach breaking point before asking for help. A carer’s assessment is free, carries no obligation, and can unlock council funding towards a break — and if it does not, NHS Continuing Healthcare, Carers Trust grants, and the Turn2us grant search are all worth trying before you assume you must pay the full cost yourself.

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  • What is a direct payment — and could it give you more choice and control over your care?

    What is a direct payment — and could it give you more choice and control over your care?

    A direct payment is council funding paid straight to you — so you can choose and arrange your own care, rather than having the council pick a provider for you. If you have been assessed as needing social care support, you are very likely entitled to ask for one. It can make a real difference to who helps you, when they come, and how consistent that care is — and hundreds of thousands of people who qualify have never been told it exists.

    What exactly is a direct payment?

    When your local council agrees to contribute to the cost of your social care, it has two ways to deliver that support. It can arrange a care agency on your behalf — or it can pay the agreed budget directly to you and let you organise the care yourself. The second option is called a direct payment.

    In practice, most councils load the money onto a prepaid card each month. You use that card to pay your chosen care provider or personal assistant. The council may ask to see statements occasionally to confirm the money is being spent on your agreed care plan, but day-to-day you are in charge.

    Direct payments have been a legal right in England since 1997 — yet Age UK estimates that many hundreds of thousands of eligible people are not using them, often simply because nobody told them the option was available.

    Who is entitled to a direct payment?

    Almost anyone who has been assessed as eligible for council-funded care and support can ask for a direct payment. That includes:

    • People who need help with washing, dressing, meals, or moving around the home
    • People with a long-term illness, disability, or cognitive difficulty such as dementia
    • Unpaid carers who have been assessed as needing support in their own right
    • People leaving hospital who need a care package to return home safely

    The council can only refuse a direct payment in very limited circumstances — for example, if you lack the mental capacity to manage it and there is no suitable person to manage it on your behalf. Simply being older, or not having experience of managing money, is not a valid reason for refusal. If you are turned down, you can challenge the decision.

    How much money will you receive — and what are the financial thresholds?

    Before setting any direct payment, your council carries out two assessments: a needs assessment (free, and available to anyone who asks) and a financial assessment to work out what you contribute. The amount you pay depends on your savings and income.

    • Savings above £23,250: you are generally expected to fund the full cost of your care yourself, at least until your assets fall below this figure
    • Savings below £14,250: the council covers the full eligible cost — you pay nothing towards it
    • Between £14,250 and £23,250: you contribute a calculated proportion, and the council covers the rest

    One important point many people miss: if you are receiving care at home (not moving into a care home), your property is generally not counted in the financial assessment. That means many people who assume they have too many assets are actually entitled to council support — it is always worth asking for the assessment to find out where you stand.

    Once the council sets a budget, that budget must be enough to actually purchase the care in your agreed plan. If the rate does not cover what local agencies charge, you have the right to challenge it and ask for a review.

    What can you spend your direct payment on?

    You can use a direct payment to buy any support that meets the needs set out in your agreed care plan. In practice, the most common uses are:

    • Your choice of home care agency — rather than whoever the council has a contract with, you can choose a CQC-registered agency you trust, with carers who visit at times that suit you
    • A personal assistant — you can employ someone directly as your carer, which gives you the closest possible continuity and relationship
    • Respite care — short-term support so that an unpaid family carer can rest, or so you can try a day centre or a short residential stay

    You generally cannot use a direct payment to pay a close family member who lives with you, or for anything unrelated to your agreed care needs. But within those limits, the flexibility is genuine: if your needs change month to month, the budget can flex with your plan too.

    How do you apply for a direct payment?

    The process starts with a needs assessment — and you are entitled to ask your local council for one at any time, whether or not you have had care help before. Contact your council’s adult social care team directly, or ask your GP or a hospital discharge team to make a referral on your behalf.

    Once your needs are assessed and you are found eligible, simply tell the council you want a direct payment rather than a managed care package. They will draw up a support plan and agree a budget with you. Most councils can also help you find a suitable care provider or personal assistant if you want that support.

    If you find the paperwork daunting, free help is available. Local organisations such as Age UK, Disability Rights UK, and local carers’ charities regularly help people set up and manage direct payments. Your council is also legally required to offer you an “appropriate person” who can manage the payment on your behalf if you prefer not to deal with it yourself.

    Is there much admin involved — and is it worth the effort?

    For most people on a direct payment, the ongoing administration is modest. You will typically be asked to:

    • Keep receipts and statements for the prepaid card
    • Respond to an occasional audit from the council — usually once a year
    • Notify the council if your care needs change significantly

    If you employ a personal assistant directly, there are more responsibilities — you become their employer, which means handling payroll, holiday pay, and HMRC reporting. Many councils will fund a small additional amount to cover payroll support, and there are organisations that will handle this for you at low or no cost. Ask your council specifically about this when you agree your care plan.

    For many people, the benefit — knowing the same person will arrive at the same time, rather than whoever is available that day — far outweighs the modest paperwork involved. Continuity of care matters enormously, and a direct payment is one of the few ways to make it happen.

    What should you do next?

    • Contact your local council’s adult social care team and ask for a free needs assessment — you do not need to be in crisis to request one
    • Tell them you are interested in a direct payment, not a managed care package
    • If your savings are below £23,250, ask for a financial assessment — your home is usually not counted if you are receiving care at home
    • For free guidance, call Age UK on 0800 678 1602, or contact your local carers’ centre

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  • Will you get the Winter Fuel Payment this year — and what do you need to do before September?

    Will you get the Winter Fuel Payment this year — and what do you need to do before September?

    In short: The Winter Fuel Payment is back for most pensioners in 2026/27. If you were born on or before 27 June 1960 and your individual income is £35,000 a year or less, you should receive either £200 or £300 — paid automatically in November or December. The qualifying week is 21–27 September 2026, so now is a good time to check you are eligible and that your details with DWP are up to date.

    What is the Winter Fuel Payment — and why has it been in the news?

    The Winter Fuel Payment is a tax-free annual payment from the government to help older people with their heating bills over the winter months. It has been running since 1997 and has long been a reliable source of support for millions of households.

    In August 2024, the government announced a significant change: the payment would be restricted to only those receiving Pension Credit or certain other means-tested benefits. That decision caused widespread concern — particularly for people with modest incomes who did not qualify for Pension Credit but still found energy bills a real stretch.

    Then, in May 2025, following considerable pressure from charities, campaigners and MPs, the government changed course. The Winter Fuel Payment was extended to all pensioners with an annual income of £35,000 or less, bringing millions of households back into eligibility. That new rule applies for winter 2026/27 — and is what this article covers.

    Who is eligible for the 2026/27 Winter Fuel Payment?

    To receive the payment for winter 2026 to 2027, you need to meet all of the following conditions:

    • You were born on or before 27 June 1960 (meaning you will have reached State Pension age during the qualifying week)
    • Your individual annual income is £35,000 or less
    • You are living in England, Wales, Scotland or Northern Ireland

    One important point many people miss: the £35,000 threshold applies to your income only — not your household income. If you are part of a couple, your partner’s income is assessed separately. So if you receive £34,000 a year and your partner receives £50,000, you are still eligible in your own right, even though your combined household income is well over £35,000.

    What counts as income for this purpose?

    Your total income includes your State Pension, any occupational or private pension, salary or self-employment earnings, rental income, and savings interest above your Personal Savings Allowance. If you are unsure where your total sits, your most recent Self Assessment return or a call to HMRC (0300 200 3300) can give you a clear picture. ISA interest does not count, as it is tax-free.

    How much will you receive?

    The amount depends on your living situation during the qualifying week (21–27 September 2026):

    • £300 — if you live alone, or no one else in your household qualifies for the payment
    • £200 — if you live with someone else under 80 who also qualifies
    • £150 — if you live with someone aged 80 or over who also qualifies

    The rates are unchanged from last year. The money goes straight into your bank account and is completely tax-free.

    Will you be paid automatically — or do you need to claim?

    The good news is that most eligible people will receive the payment automatically, with no forms to fill in. DWP will use existing records to identify who qualifies, and eligible people can expect a letter in October or November 2026 confirming the amount. Payment follows in November or December.

    However, you will need to make a manual claim if any of the following apply to you:

    • You have never received the Winter Fuel Payment before
    • You have deferred your State Pension (because you have not yet claimed it, DWP may not hold your bank details)
    • Your payment has not arrived by the end of January 2027

    Claims for winter 2026/27 open on 21 September 2026. You can claim online at GOV.UK or by calling the Winter Fuel Payment Centre on 0800 731 0160 (free to call, Monday to Friday, 8am to 6pm).

    What if your income is just over the £35,000 threshold?

    If your income is above £35,000, DWP may still pay the Winter Fuel Payment automatically — but HMRC will reclaim the full amount. If you are employed or receiving a workplace pension via PAYE, it will be taken back through your tax code. If you complete a Self Assessment return, it will appear as a deduction there. You do not need to do anything differently; the clawback is handled behind the scenes.

    If your income is borderline — somewhere around £33,000 to £37,000 — it is worth double-checking your figure before September. Remember that ISA interest, certain benefit payments (such as Attendance Allowance or Personal Independence Payment), and the tax-free portion of any lump sums generally do not count toward the threshold. If in doubt, Age UK’s free advice line (0800 678 1602) can help you work it out.

    What practical steps should you take before September?

    For most people, no action is needed — the payment will arrive automatically. But a few simple checks now could save you trouble later:

    • Update your bank details with DWP if you have changed bank accounts since you last received a Winter Fuel Payment. Call 0800 731 0160 to update before September.
    • Check whether you have claimed your State Pension. If you have deferred it, you will need to register separately to receive the Winter Fuel Payment.
    • Look into Pension Credit if your income (including State Pension) is below roughly £11,400 a year as a single person, or £17,400 as a couple. Pension Credit tops up your income and is worth an average of £3,900 a year to those who claim it. Use the Pension Credit calculator on GOV.UK or call 0800 99 1234.
    • Make a note to claim from 21 September if you have never received the Winter Fuel Payment before — for example, if you only recently reached State Pension age.

    Key takeaways

    • The Winter Fuel Payment is back for most pensioners in 2026/27. You must have been born on or before 27 June 1960 and have an individual income of £35,000 or less.
    • The qualifying week is 21–27 September 2026. Most eligible people will be paid automatically in November or December — no form needed.
    • The payment is £200 or £300 (£150 if you live with an over-80 who also qualifies). It is completely tax-free.
    • If you have deferred your State Pension or have never claimed before, you will need to register from 21 September 2026 — call 0800 731 0160.
    • The £35,000 income threshold is based on your income alone — not your partner’s or your combined household total.

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  • How can I stay safe in hot weather as I get older?

    How can I stay safe in hot weather as I get older?

    Quick answer: As you get older, your body finds it harder to cool itself down, which makes hot weather genuinely dangerous — not just uncomfortable. The most important things you can do are drink water regularly even when you don’t feel thirsty, keep at least one room of your home cool by closing curtains on the sunny side, and avoid being out in direct sun between 11am and 3pm. If you feel dizzy, confused, or stop sweating despite the heat, seek help straight away.

    Why does hot weather become more dangerous as we age?

    It’s not just your imagination — hot weather is genuinely harder to cope with in your 50s, 60s, and beyond than it was when you were younger. Several things change as we age that make the body less efficient at dealing with heat.

    Your sweat glands become less effective, so your body produces less sweat — and sweating is your primary cooling mechanism. Your circulation also slows, meaning warm blood doesn’t move as efficiently from your core to your skin where heat can escape. And critically, your sense of thirst becomes blunted, so you may not realise you’re dehydrating until it’s already a problem.

    People living with heart disease, diabetes, kidney problems, or dementia face added risk in hot weather. The UK Health Security Agency updated its hot weather guidance on 23 June 2026, specifically urging people over 55 to take summer heat seriously and not to dismiss warning signs as simply “feeling a bit tired.”

    How much should I be drinking in hot weather?

    The NHS recommends at least 6–8 glasses of fluid a day in normal conditions. In warm or hot weather, you need more — aim for around 2 litres throughout the day, and a little extra if you’ve been active or if it’s a particularly hot day.

    The golden rule is don’t wait until you’re thirsty. By the time thirst kicks in, you’re already mildly dehydrated. Instead, build drinking into your routine: a glass when you wake up, one with each meal, and one mid-morning and mid-afternoon.

    • Good choices: water, diluted squash, lower-fat milk, herbal teas (hot or cold)
    • Hydrating foods: cucumber, melon, strawberries, tomatoes, and yoghurt are all high in water content
    • Limit alcohol: it’s a diuretic — you lose more fluid than you take in
    • Moderate caffeine: tea and coffee are fine in moderation, but don’t rely on them as your main fluid source

    How can I keep my home cool without air conditioning?

    Most UK homes don’t have air conditioning — but there are effective ways to stay cool without it. Think of your home like a thermos flask: the goal is to trap cool air in and keep hot air out during the day, then reverse that at night.

    • Close curtains and blinds on sunny sides during the day. South- and west-facing windows let in the most heat. This single step can drop indoor temperatures by several degrees.
    • Open windows at night when the outside air cools — usually from around 9–10pm onwards — to let the heat out and cool air in.
    • Move downstairs during the day if possible. Heat rises, so ground-floor rooms stay cooler.
    • A damp flannel on your wrists and neck cools you quickly because the blood vessels there are close to the surface.
    • Avoid using the oven during the hottest part of the afternoon — cook earlier in the day or prepare cold meals instead.

    What are the signs of heat exhaustion — and when should I call for help?

    Heat exhaustion is serious but treatable if caught early. Heatstroke — the next stage — is a medical emergency. It’s worth knowing the difference before summer really gets going.

    Heat exhaustion typically involves: heavy sweating, dizziness or feeling faint, nausea, headache, pale and clammy skin, and a fast but weak pulse. If you or someone you know has these symptoms, move to a cool room, sip cold water slowly, and apply cool damp cloths to the skin. If symptoms don’t improve within 30 minutes, call NHS 111.

    Heatstroke is more alarming: confusion or slurred speech, a very high temperature (above 40°C), stopping sweating despite the heat, a rapid strong pulse, and possible loss of consciousness. This is a 999 emergency — do not wait.

    Which medicines can make me more vulnerable to the heat?

    This is something many people don’t know, and it’s worth a conversation with your GP or pharmacist before the hottest weeks arrive. A number of very common medicines affect how your body handles heat:

    • Diuretics (“water tablets” such as furosemide) increase fluid loss through urine, raising dehydration risk significantly
    • Beta-blockers (bisoprolol, atenolol, and others) can limit your heart’s ability to respond to heat
    • Antihistamines — including common hay fever tablets — can reduce sweating, impairing your cooling system
    • Antidepressants and antipsychotics affect temperature regulation in different ways depending on the type
    • Blood pressure medications can interact with the dilation of blood vessels caused by heat, sometimes leading to dizziness or falls

    Never stop taking medication without speaking to your doctor first — but do raise the subject. Asking your GP “do any of my medicines affect how I handle hot weather?” is a completely reasonable and sensible question.

    How can I look out for a neighbour or friend during a heatwave?

    One of the most valuable things you can do during hot weather is look out for others — especially people who live alone, have limited mobility, or rarely leave the house. Isolation and heat are a dangerous combination, and NHS guidance consistently highlights social connection as one of the best protections against heat-related harm.

    A quick phone call or knock on the door can genuinely make a difference. If you visit in person, keep an eye on a few simple things:

    • Is there water nearby — and have they actually been drinking it?
    • Is the room uncomfortably warm? Are curtains drawn on the sunny side?
    • Do they seem confused, more tired than usual, or unsteady on their feet?
    • Are they wearing light, loose clothing?

    You don’t need to be a formal carer to do this. Being a neighbour is enough.

    What are the key things to remember?

    • Drink regularly throughout the day — don’t wait for thirst to remind you
    • Close curtains on sunny sides of the house during the day; open windows at night
    • Ask your GP or pharmacist whether any of your medicines increase your risk in hot weather
    • Know the difference: heat exhaustion – call NHS 111; heatstroke – call 999
    • Check in on neighbours and friends — a brief visit or phone call can genuinely save a life

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  • What free help can you ask for at UK airports — and how do you arrange it?

    What free help can you ask for at UK airports — and how do you arrange it?

    If airports feel exhausting or overwhelming, you are legally entitled to free special assistance — and you do not need to be in a wheelchair or have a visible disability to ask for it. From wheelchair transport across the terminal to priority boarding and help with your luggage, airport assistance is available to anyone who struggles with the journey. The key is knowing what to ask for, and when to arrange it.

    What is airport special assistance — and who is it actually for?

    Airport special assistance (sometimes called Passenger with Reduced Mobility support, or PRM) is a free service that all UK airports and airlines are legally required to provide under UK aviation law. It is designed for anyone who finds it difficult to travel independently through an airport — not only people in wheelchairs.

    You might qualify even if you walk independently at home. Long terminal distances, heavy queues, and fast-moving crowds can be exhausting if you have a heart condition, arthritis, COPD, anxiety, or any condition that drains your energy or affects your confidence. You are not taking a service away from someone who needs it more — this is designed precisely for situations like yours.

    Who can ask for it?

    According to the UK Civil Aviation Authority, you can request special assistance if you have:

    • A physical disability or reduced mobility, including age-related frailty
    • A hidden or non-visible condition such as heart disease, chronic fatigue, dementia, or severe anxiety
    • A temporary injury such as a broken leg or recovery from recent surgery
    • A sensory impairment including sight or hearing loss

    There is no formal assessment or medical certificate required. You simply declare that you need help. Airport staff are not permitted to question or challenge that.

    What kinds of help can you actually ask for?

    The service is far more comprehensive than most people realise. Here is what airports and airlines are legally required to offer:

    • Wheelchair or buggy transport from the airport entrance all the way to your aircraft seat
    • Help with check-in luggage — staff will assist you with bags if you are unable to manage them
    • Priority queuing at security, passport control, and the boarding gate
    • Dedicated assistance lanes so you avoid long general queues
    • Help on and off the aircraft, including aisle wheelchairs for those who cannot walk down the aisle unaided
    • Assistance on arrival at your destination — the full service applies both ways, not just on departure

    All of this is completely free of charge. Airlines cannot legally charge you for special assistance, and you should not be asked to pay.

    How do you arrange it — and how far in advance do you need to let your airline know?

    The most important step is to notify your airline — not just the airport — at least 48 hours before your flight. Most airlines let you add this at the time of booking through a drop-down menu or accessibility section. If you forget, call their customer service line as soon as you remember.

    On the day itself: when you arrive at the airport, look for the Special Assistance desk or help point, usually near the entrance and clearly signed. You can often call ahead from the car park using phone numbers displayed on assistance signs. A member of staff will meet you and guide you through the entire process from there.

    One reassuring thing to know: even if you arrive without having booked in advance, airports must still try to provide help. The 48-hour rule is the standard to aim for, but it is not a hard cutoff that means you will be turned away.

    What is the Hidden Disabilities Sunflower lanyard — and how do you get one?

    The Hidden Disabilities Sunflower is a simple green lanyard with a sunflower pattern. Wearing one is a discreet way to signal to airport staff, security officers, and shop assistants that you have a hidden condition — without having to explain yourself to every person you encounter.

    The lanyard is recognised at every major UK airport and at thousands of UK shops, attractions, and public transport hubs. Staff who see it are trained to offer extra time, patience, and support without making a fuss of it.

    You can pick up a free Sunflower lanyard at the Special Assistance desk at most UK airports. It does not expire and can be used again and again. If you already have one from a previous trip or from a Sainsbury’s store, any UK airport will accept it. You can also order one online via the official Hidden Disabilities Sunflower website for a small postage fee.

    Can you take your own wheelchair or mobility scooter on a flight?

    Yes — and this is one of the most valuable things to know. If you use a wheelchair, mobility scooter, or walking frame, you are legally entitled to transport up to two items of mobility equipment in the aircraft hold, completely free of charge. These do not count towards your baggage allowance.

    What you need to do: tell your airline when you book, and provide the dimensions and battery type if you have an electric scooter. Battery regulations mean electric mobility scooters need more advance notice. Manual wheelchairs can typically be taken to the aircraft steps and will be placed in the hold there, ready for you on arrival.

    A practical tip worth knowing: attach a bright luggage tag or coloured ribbon to your wheelchair before it goes into the hold. It helps staff spot it quickly on the carousel or in the baggage area, and reduces the risk of delays or mix-ups on arrival.

    What are your rights if the airport or airline fails to help you?

    If you requested assistance in advance and it was not provided — or fell well short of what you needed — you have the right to complain and seek redress. Start with a formal written complaint to your airline or the airport. If that does not resolve things, you can escalate to:

    • The Civil Aviation Authority (CAA) — the UK’s aviation regulator, which can investigate complaints about airlines and airports that fail disabled passengers
    • An approved Alternative Dispute Resolution (ADR) scheme such as CEDR, if your airline is a member — these can award compensation without you needing to go to court

    It is also worth knowing that the CAA publishes an annual Airline Accessibility Report, which ranks UK airlines on how well they serve passengers with disabilities. Checking it before you book can help you choose an airline with a good track record.

    Key takeaways

    • Airport special assistance is free and legally required at all UK airports — you do not need a visible disability to ask for it
    • Notify your airline at least 48 hours before your flight — ideally when you book
    • The Hidden Disabilities Sunflower lanyard is free to collect at any major UK airport and discreetly signals to staff that you may need extra time or support
    • You can carry up to two items of mobility equipment free in the hold — they do not count as baggage
    • If assistance falls short, complain first to the airline, then escalate to the Civil Aviation Authority

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  • Are coach holidays still the best-value way to see Britain — and how do you avoid the hidden costs?

    Are coach holidays still the best-value way to see Britain — and how do you avoid the hidden costs?

    Coach holidays remain one of the most affordable and stress-free ways to explore Britain, with escorted breaks starting from around £169 per person including accommodation and travel. If you are 60 or over, a National Express Senior Coachcard gives you a third off scheduled coach fares — plus a £15 day return on midweek journeys booked at least three days ahead. This guide explains how coach holidays work, which operators to consider, and the one cost many people don’t notice until after they’ve booked.

    What is a coach holiday — and how is it different from a day trip?

    A coach holiday is an escorted, multi-day break where a luxury coach collects you — often close to home — and takes you to your destination with accommodation, most meals, and sometimes excursions included in the price. A driver and, on many breaks, a tour manager handle everything. You sit back, enjoy the scenery, and step off when you arrive.

    This is quite different from simply buying a coach ticket to travel somewhere independently. Holiday operators such as Shearings, Grand UK, National Holidays, and Leger Holidays offer all-inclusive packages covering hotel stays of two to seven nights — think the Lake District, Scottish Highlands, Torquay, or the Cotswolds. Because the price is all-in, budgeting is simple and there is no juggling of separate transport and accommodation bookings.

    How much does a coach holiday typically cost?

    Short UK breaks typically start from around £169 to £199 per person for a two- or three-night break, including coach travel, dinner, bed and breakfast. A week-long break to Scotland or Wales might cost £399 to £699 per person depending on the hotel grade and whether guided excursions are included.

    Prices are most competitive if you travel Monday to Thursday and book a few months in advance. Many operators also run last-minute offers for breaks departing within four to six weeks — worth checking if you are flexible about dates.

    What is the National Express Senior Coachcard — and is it worth buying?

    If you are 60 or over and want to travel independently by scheduled coach — rather than on an escorted package — the National Express Senior Coachcard is worth having. It costs £30 a year and gives you a third off Standard and Fully Flexible fares to hundreds of towns, cities and airports across the UK.

    The perk most people miss: on Tuesdays, Wednesdays and Thursdays, Senior Coachcard holders can buy a same-day return to most UK destinations for just £15 — as long as you book at least three days before travel. Airport routes are excluded. If you pay £30 for the card and use that midweek deal three times, you have already more than covered the cost.

    The Coachcard is for scheduled National Express services. You do not need it for escorted coach holidays — those are booked directly with the holiday operator at a package price.

    Which coach holiday operators are most popular in the UK?

    Several operators have been running UK coach holidays for decades. The best-known names are:

    • Shearings — one of the UK’s longest-established operators, with hundreds of UK and European breaks at varying price points
    • Grand UK — specifically designed for over-60s, with a reputation for smaller, more sociable groups and solo-friendly pricing
    • National Holidays — good range of value UK breaks with regional pick-up points across England, Scotland and Wales
    • Leger Holidays — includes themed breaks covering gardens, history and events, plus European tours
    • Caledonian Travel — Scotland-based, with particularly strong Scottish Highland itineraries

    All of the above are ABTA-bonded, which means your money is protected if the company runs into financial difficulty before your trip. Always look for the ABTA logo when booking with any operator you have not used before.

    What should you check before you book?

    Before committing to a coach holiday, it is worth asking four practical questions:

    • Where does the coach pick me up? Most operators offer regional pick-up points rather than a single central depot. Confirm your nearest stop is convenient before booking.
    • What meals are included? Most UK breaks include dinner, bed and breakfast. Lunches are almost always an extra cost.
    • Are excursions included or optional? Some operators include guided visits in the price; others charge separately. Read the itinerary carefully rather than assuming.
    • What is the cancellation policy? Look for a break that allows free cancellation up to a certain point, or consider the operator’s own holiday protection if offered.

    Are there hidden costs you might not spot until after booking?

    The biggest one is the single supplement. Coach holidays are almost always priced per person sharing a twin or double room. If you are travelling alone, most operators charge an additional fee — typically 30% to 50% of the per-person price — to cover the cost of a single room. This can substantially change the total.

    Grand UK is one of the few operators that actively caters to solo travellers and tends to keep single supplements lower than the industry norm. If you are travelling alone, always compare the total cost including the single supplement across two or three operators before deciding.

    Other costs to be aware of: tipping the driver at the end of the trip is traditional — £2 to £3 per person per day is the norm. Entrance fees to some attractions may not be included even if the visit is on the itinerary. And travel insurance is never provided — you will need to arrange your own before departure.

    When is the best time of year to book a UK coach holiday?

    May, June and September tend to offer the best combination of weather, value and availability. Prices are lower than July and August peak season, popular destinations such as the Cotswolds, Lake District and Scottish Highlands are less crowded, and the days are long enough to make the most of any excursions.

    If you are happy to be flexible and travel midweek, you will almost always get a better rate than weekend departures. For late summer 2026, several operators already have limited availability on popular breaks, so if a September trip appeals, now is a good time to look.

    Key takeaway

    Coach holidays offer genuine value — especially if you check what is included, compare the single supplement if you are travelling alone, and book midweek in May, June or September. The National Express Senior Coachcard (£30 a year, for over-60s) is worth adding if you also make independent coach journeys — the £15 midweek day return deal alone covers the cost quickly. Always book with an ABTA-bonded operator, and do not forget to arrange your own travel insurance before you go.

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  • Are you paying too much for your broadband — and could a social tariff save you over £200 a year?

    Are you paying too much for your broadband — and could a social tariff save you over £200 a year?

    Yes — if you receive Pension Credit, Universal Credit, or certain other means-tested benefits, you can switch to a broadband social tariff and pay as little as £12 to £15 a month. That is a saving of more than £200 a year compared with a standard broadband deal. Around 4.2 million UK households are eligible — but fewer than one in ten have made the switch, mostly because they simply do not know these deals exist.

    What is a broadband social tariff — and why is it so different from a normal deal?

    A broadband social tariff is a specially discounted internet package offered by major providers to households on qualifying benefits. They are not advertised as prominently as standard deals — you will rarely see them in comparison sites’ main results — but they are real, they are widely available, and Ofcom, the UK’s telecoms regulator, actively encourages providers to offer them.

    There are two things that make social tariffs genuinely different from ordinary broadband deals. First, the price: packages start at around £12 a month, compared with a typical standard deal of £35 to £45 a month. Second, your price is protected — social tariffs are not subject to the annual mid-contract price rises that catch most broadband customers out every April. What you sign up for is what you pay.

    Who qualifies for a broadband social tariff?

    You are likely to be eligible if you or your partner currently receive any of the following benefits:

    • Pension Credit
    • Universal Credit
    • Employment and Support Allowance (ESA)
    • Jobseeker’s Allowance (JSA)
    • Income Support

    Some providers — including Hyperoptic, KCOM and Vodafone — also extend their social tariffs to people receiving Personal Independence Payment (PIP) or Attendance Allowance, even though these are not means-tested benefits. It is always worth asking your current provider whether you qualify, even if you are not on the standard list.

    Which providers offer a social tariff — and how much does each one cost?

    More than 40 broadband providers now offer social tariffs across the UK. The best option for you will depend on where you live. Here are the main providers with national or near-national coverage:

    • BT Home Essentials — £15 a month for 36 Mbps, on a 12-month contract. Available almost everywhere in the UK via the Openreach network. A solid choice if you want reliability and wide coverage.
    • Virgin Media Essential — £12.50 a month for 15 Mbps, rolling monthly contract. Available to over half of UK addresses. The speed is more than enough for browsing, email and video calls.
    • EE Basics — £12 a month for 25 Mbps. Available widely on the BT/Openreach network.
    • Vodafone Essentials — £12 a month for 38 Mbps, no contract lock-in. Good speed for the price.
    • Hyperoptic Fair Fibre — £12 a month for 50 Mbps. Available in around 64 towns and cities across England, Scotland and Wales.

    For the full list of every provider and their latest prices, visit the Ofcom social tariffs page at ofcom.org.uk — it is kept up to date and covers all 40-plus providers.

    Can you switch to a social tariff even if you are in the middle of a contract?

    Yes — and this is the part most people do not realise. Ofcom has confirmed that if you are switching to a social tariff because you receive a qualifying benefit, your current broadband provider cannot charge you an exit fee. You are allowed to leave your existing contract early, without penalty, to move onto a discounted deal you are entitled to.

    Start by contacting your current provider. Some — including BT and Virgin Media — verify your eligibility electronically through DWP data, so you may not need to provide any paperwork at all. Others will ask for a screenshot or letter showing your benefit entitlement, along with your National Insurance number.

    How do you apply — and how long does it take?

    The process is simpler than most people expect. You can apply online through your chosen provider’s website, or by calling their customer service line — many have a dedicated social tariff team. You will typically need:

    • Your National Insurance number
    • Proof of your qualifying benefit — a letter from DWP or a screenshot of your benefit portal is usually enough

    Most applications are approved within 30 days. Your eligibility is then re-checked annually — but if you remain on the qualifying benefit, you simply stay on the deal. There is no annual contract renewal or sudden price jump to worry about.

    What if your current provider does not offer a social tariff?

    If your current provider does not have a social tariff — or their price is higher than a competitor’s — you are free to switch. Broadband switching has become much simpler since Ofcom’s One Touch Switching rules came into force. You contact the new provider, and they handle the switch on your behalf. You no longer need to cancel with your old provider first, and there are no awkward phone calls trying to get out of a contract.

    If you are unsure which providers cover your postcode, the Ofcom social tariffs comparison page lets you check coverage in your area. You can also call Ofcom’s consumer helpline on 0300 123 3333 if you would like guidance before you apply.

    Are there social tariffs for mobile phones as well as home broadband?

    Yes. If you mainly use mobile data rather than home broadband, there are social tariffs for SIM-only mobile plans too. O2’s Essential Plan offers 10GB of data, unlimited calls and texts for £10 a month on a rolling contract. SMARTY — which runs on Three’s network — offers unlimited data for £12 a month. VOXI For Now, on Vodafone’s network, offers unlimited social media data for £10 a month.

    These mobile social tariffs use the same qualifying benefits as broadband tariffs. If you receive Pension Credit, you may well be eligible for both a cheaper home broadband deal and a discounted mobile plan at the same time.

    Key takeaway

    If you receive Pension Credit, Universal Credit, or another qualifying benefit, you are very likely entitled to a broadband social tariff starting at around £12 to £15 a month — saving £200 or more a year. Millions of eligible people are still paying full price simply because they did not know these deals existed. You can switch even mid-contract without paying exit fees. Start by checking the full list of providers at ofcom.org.uk/phones-and-broadband/saving-money/social-tariffs, or call your current provider and ask directly whether they offer a social tariff you qualify for.

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