The amount of ESA you’ll get from the Department for Work and Pensions (DWP) depends on the type of ESA you claim. You might get:
ExampleCharlie gets £975 each month from a pension.
To check how much he gets each week, he needs to work out what he gets in a year and divide by 52.
£975 times 12 is £11,700.
£11,700 divided by 52 is £225.
Charlie’s pension is £225 each week. Now Charlie needs to work out how much will be taken off his ESA.
£225 minus £85 is £140.
Half of £140 is £70.
Charlie’s ESA will be reduced by £70 each week.
Contact us if you have other types of income, for example a student loan or grant.
Contact us if you’re not sure if something counts as savings, for example if you’ve been given a loan.
- new style ESA
- contribution-based ESA
- income-related ESA
If you get either new style ESA or contribution-based ESA
When you first claim, you’ll usually get:- £90.50 each week if you’re aged 25 or over
- £71.70 each week if you’re aged under 25
- work-related activity group you’ll get £90.50 each week
- support group you’ll get £138.20 each week
If you’re terminally ill
If your doctor doesn’t expect you to live more than a year, the DWP should put you in the support group when you first claim. This means you’ll get £138.20 each week straight away. If the DWP don’t put you in the support group you can challenge the DWP’s decision. If you’re terminally ill but your doctor expects you to live more than a year, you should talk to an adviser.If you get a personal or work pension
If your pension is more than £85 each week before tax, you’ll get less ESA. To check how your pension will affect your ESA:- Work out how much you get from your pension each week – check your pension statement
- Take off £85
- Work out half of what you’ve got left – this will be taken off your ESA
If you get other benefits
You won’t get new style or contribution-based ESA at the same time as:- Carer’s Allowance
- Maternity Allowance
- Widow’s Pension or Widowed Parent’s Allowance
If you get income-related ESA
To work out how much income-related ESA you should get, you need to:- Check the basic amount you can get
- Add on any extra amounts – these are called ‘premiums’
- Take money off if you have income
- Take money off if you have savings or you own a home
Cost of Living Payments
The government sent the last Cost of Living Payment of £299 during spring 2024. They haven’t announced any more payments. You should have got the Cost of Living payment of £299 between 6 and 22 February 2024. To get the payment you must have been entitled to an income-related ESA payment between 13 November and 12 December 2023.If you didn’t get the last payment
If you think you should have received a Cost of Living Payment, you can report a missing payment on GOV.UK.1. Check the basic amount you can get
When you first claim, your basic amount is:- £142.25 each week if you live with a partner
- £90.50 each week if you don’t live with a partner and you’re aged 25 or over
- £71.70 each week if you don’t live with a partner and you’re aged under 25
- £142.25 each week if you live with a partner
- £90.50 each week if you don’t live with a partner
- £189.85 each week if you live with a partner
- £138.20 each week if you don’t live with a partner
If you have less than a year left to live
The DWP should put you in the support group when you first claim. This means your basic amount is £138.20 each week straight away. If the DWP don’t put you in the support group you can challenge the DWP’s decision.2. Add on premiums
At any time while you’re getting ESA, you might get extra amounts called ‘premiums’.If you’re in the support group
You’ll get the ‘enhanced disability premium’. You’ll get:
- £20.85 each week if you don’t live with a partner
- £29.75 if you live with a partner
If you or your partner cares for a disabled person
If you get Carer’s Allowance, you should get a ‘carer premium’ as part of your ESA. You’ll get:
- £45.60 each week if either you or a partner you live with gets Carer’s Allowance
- £91.20 each week if you live with a partner and you both get Carer’s Allowance
If your partner has reached State Pension age
If you live with your partner, you can get a ‘pensioner premium’ as part of your ESA.
You can check your partner’s State Pension age on GOV.UK.
You should get:
- £143 each week if you’re in the support group
- £190.70 each week if you’re in the work-related activity group or you haven’t been put in a group yet
If you or your partner gets other disability benefits
You might be able to get 1 or both of:
- the ‘enhanced disability premium’
- the ‘severe disability premium’
Check if you can get the enhanced disability premium
You should get the enhanced disability premium if you or your partner gets:- the ESA support component
- the enhanced rate of the daily living component of Personal Independence Payment (PIP)
- the highest rate of the care component of Disability Living Allowance (DLA)
- Armed Forces Independence Payment (AFIP)
- the enhanced rate of the daily living component of Adult Disability Payment
Check if you can get the severe disability premium
You might get the severe disability premium (SDP) if you or your partner gets:- the standard or enhanced rate of the daily living component of PIP
- the middle or highest rate of the care component of DLA
- AFIP
- Attendance Allowance
- Constant Attendance Allowance
- the standard or enhanced rate of the daily living component of Adult Disability Payment
- get a qualifying benefit
- are registered blind
3. Take money off if you have income
The DWP might take money off your income-related ESA – it depends on the type of income you have. If you live with a partner, it also depends on your partner’s income.If you or your partner earns money from work
The rules are different for you and your partner.
ExampleBetty lives with her partner Hector and claims ESA. Betty doesn’t work, but Hector earns £80 each week.
£80 minus £20 is £60.
Betty’s ESA will be reduced by £60 each week.
If you earn money from work
The DWP don’t take any money off your ESA if both of the following apply:- you earn £183.50 or less each week
- you work less than 16 hours each week on average
If your partner earns money from work
The DWP will take the money your partner earns off your ESA. The DWP won’t count £20 of your partner’s earnings each week.If you or your partner gets a pension
The DWP will take the amount you get each week off your ESA.
If you or your partner gets other benefits
If you get any of the following benefits, the DWP will take the amount you get off your ESA:
- contribution-based ESA – this means you’re only paid once if you get both types of ESA
- contribution-based Jobseeker’s Allowance
- Working Tax Credits
- Carer’s Allowance
- Maternity Allowance
- Widow’s Pension
- Personal Independence Payment (PIP)
- Disability Living Allowance (DLA)
- Attendance Allowance
- Housing Benefit or Discretionary Housing Payments (DHPs)
- Child Tax Credits or Child Benefit
- Adult Disability Payment
If you or your partner gets maintenance
If you get maintenance for yourself, the DWP take the amount you get off your ESA.
If you get maintenance for a child who lives with you, this isn’t taken off your ESA.
If you or your partner is paid rent
The DWP usually take the rent you get off your ESA. If the people who pay rent live in part of your home, the DWP won’t count £20 for each person.
The DWP will only take the rent off your ESA if it’s a ‘commercial’ rental agreement – like one between a housing association and a tenant.
4. Take money off if you have savings or you own property
The DWP might take money off your income-related ESA – it depends on the amount of savings you have. If you live with a partner, it also depends on their savings. Add together your and your partner’s savings, including investments. Also add on the value of any property you own – but not the home you live in. You don’t have to include the value of property you own for up to 6 months if:- you’re planning to move in
- you left there because of a breakup
- you’re trying to sell it
If you still own the property after 6 months
Make sure to call the DWP to tell them.
Department for Work and Pensions Benefit Enquiry Line
Telephone: 0800 169 0310
Textphone: 0800 169 0314
Welsh language: 0800 328 1744
Relay UK – if you can’t hear or speak on the phone, you can type what you want to say: 18001 then 0800 169 0310
You can use Relay UK with an app or a textphone. There’s no extra charge to use it. Find out how to use Relay UK on the Relay UK website.
Video relay – if you use British Sign Language (BSL).
You can find out how to use video relay on YouTube.
Monday to Friday, 8am to 5pm
Calls are free from mobiles and landlines.
Check how much savings you have
If your total savings are:- £6,000 or less, the DWP won’t take any money off your ESA
- over £6,000 and up to £16,000, the DWP will take money off your ESA – up to £40 each week
- £16,000 or over, you can’t get income-related ESA
If you live in a care home
The DWP won’t take any money off your ESA if your total savings are £10,000 or less. If your total savings are over £10,000, the DWP will take money off your ESA – up to £24 each week.If your ESA payments are wrong
Call the DWP and tell them why you think the amount is wrong.
Jobcentre Plus
Telephone: 0800 169 0310
Textphone: 0800 169 0314
Welsh language: 0800 328 1744
Relay UK – if you can’t hear or speak on the phone, you can type what you want to say: 18001 then 0800 169 0310
You can use Relay UK with an app or a textphone. There’s no extra charge to use it. Find out how to use Relay UK on the Relay UK website.
Video relay – if you use British Sign Language (BSL).
You can find out how to use video relay on YouTube.
Monday to Friday, 8am to 5pm
Calls are free from mobiles and landlines.
If the DWP don’t change their decision, you can challenge the amount of your ESA.
If you’re not sure you’re getting the right amount of ESA, contact us to check.