In this era of inflation, where the budget of every family is staggering, relief news has come from the United Kingdom (UK) government. Now you do not need to take any special benefit or universal credit from the government, yet you may be entitled to Cost of Living Payment of up to £600. This assistance will be given directly through your local council, which comes under the Household Support Fund (HSF).
What is Household Support Fund?
Household Support Fund is a government scheme which is funded by DWP (Department for Work and Pensions). Under this, the government gives money to local councils so that they can provide financial assistance to the needy people in their area. This fund has been extended once again for 2025, which is expected to provide relief to many families.
The special thing about this scheme – no benefits required!
Usually, for the relief schemes provided by the government, one has to depend on Universal Credit, Pension Credit or any other type of benefit. But this time the scheme is special because it is not necessary that you are getting any kind of government benefit.
This means that normal families, who do not come under any benefit, can also be eligible for assistance under this scheme.
How much money can be received?
A maximum amount of up to £600 can be given under the scheme. However, this amount is not permanent – it depends on how your local council distributes this fund in its area. This scheme is completely devolved, that is, every council has been given the right to decide the eligibility and distribute the assistance amount according to the needs of its area.
Role of local council
The most important thing about this scheme is that all the responsibility lies with the local council. DWP only gives money, but it depends on the council to whom, how much and in what form they provide this assistance.
Some examples:
- Some councils offer food vouchers,
- Some help pay electricity or gas bills,
- Some may transfer cash directly into a bank account.
- It’s therefore important to check your local council’s website to see what criteria are being paid out.
Eligibility criteria: different rules in different areas
As the scheme is at the discretion of local councils, eligibility rules may vary from area to area. Some common eligibility criteria may be:
- Presence of children in the household
- Elderly member
- Minimum income level
- Persistent illness or disability
- Difficulty paying energy bills
- But these can vary, so it’s best to check with your local council.
How to apply?
The application process for this fund may also vary from council to council. Some councils provide application forms that can be filled out and submitted online, while others provide support by contacting pre-selected families directly.
What is required to apply?
- ID proof
- Income proof
- Address proof
- Bank account details
- Energy bill or rent receipt
Purpose of this assistance
The purpose of this scheme is clear – to provide relief to ordinary families amid rising inflation, especially those who do not fall under government benefits but are still facing financial difficulties.
The government wants to help cover the expenses of food items, energy bills, child care, essential household items and health services through this scheme.
Benefits of the scheme
- No condition to avail the benefit – anyone can apply
- Direct payment in the form of cash, vouchers or bill assistance
- Benefits to people of all ages – especially the elderly and families with young children
- Assistance according to local needs – more flexibility
Is this a one-time assistance?
This fund is released temporarily from year to year. Although the government has announced to continue it for 2025, its further extension will depend on how the budget remains in the future and how much the need remains.
Therefore, those who want to take advantage of this fund this year should apply early as it is given on a first come, first serve basis.
Conclusion
If you live in the UK and are feeling financial pressure, even if you are not taking any government benefits, you can still avail Cost of Living assistance of up to £600. For this, first contact your local council, check eligibility and apply with the necessary documents. This scheme can prove to be a boon for those who want some help from the government in difficult times, but do not meet the traditional criteria to get benefits.
FAQs
1. What is the £600 cost of living payment?
The £600 cost of living payment is financial support provided to UK households through the Household Support Fund, aimed at helping people manage rising living costs.
2. Do I need to receive Universal Credit or any benefits to qualify?
No, you do not need to be on any benefits to be eligible. This scheme is open to households who may not be receiving any state support.
3. Who provides the money for this scheme?
The Department for Work and Pensions (DWP) funds the scheme, but local councils decide how the money is distributed in their area.
4. How much money can I get?
Eligible households may receive up to £600, though the exact amount can vary depending on your local council’s rules and available funds.
5. How do I apply for the cost of living payment?
You need to apply through your local council’s website or contact them directly. Each council has its own application process and criteria.
