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Financial support and benefits for families

Money (or lack of it) can be really stressful to deal with, but there is help out there if you need it. There’s a wide range of benefits and services available. To make life that wee bit easier for you, we’ve pulled together a list of what you could be entitled to as a parent.

There are also other benefits you can apply for as well, such as Universal Credit. Our section on using a benefit calculator below explains how you can find out what you’re entitled to.

Getting to grips with benefits can feel overwhelming, so if all this seems too much, you can contact the Money Talk Team. They offer advice on money matters, from benefit take up and council tax reduction to free school meals and reducing household energy costs. They can also support you to ensure you’re claiming all the grants and benefits you might be entitled to and make sure you don’t pay more than you need to for basic services like utilities. This service is delivered by the Citizens Advice Network in Scotland. You can get advice on the Money Talk Team website, call 0800 028 1456 or get in touch with your local bureau if you’d prefer to see someone face to face. You can find details of your local Citizens Advice Bureau here

On this page you'll find information on:

Cost of living support

Cost of living support


You can find more advice on coping with increasing energy bills, managing rent, support for families, health and wellbeing and benefits and one-off payments and more at

Support and benefits for expectant parents and parents with a newborn baby

General support and benefits for parents

Benefits, grants and loans if you're disabled

If you’re disabled, there are a range of benefits you may be able to apply for.

You can work out what you’re entitled to using a benefits calculator (see below) and it’s also a good idea to talk to an adviser from the Money Talk Team or Disability Information Scotland. Disability Information Scotland also offer helpful guides to benefits, grants and support.

What if I don't have a bank account?

Most benefits are paid into your bank account, so if you don’t have one this can be tricky. If you’re in this situation, it may be worth opening a fee-free basic bank account. It might also be a good thing to think about if you can’t use or open a standard current account. You can use a fee-free basic bank account to receive money and pay bills, but it doesn’t allow you to use an overdraft. 

Using a benefits calculator

If you’re stressing out about money, you may not feel you have the head space to work your way through a benefits calculator. However, if you can, it’s worth taking the time to see what you might be entitled to. And remember, if you find it confusing you can always call the Money Talk Team for free, confidential advice.

The entitledto benefits calculator will help you find out if you’re eligible for benefits from both the UK and Scottish Governments. If you create an account, you can save your information and come back to it later, which is great if you don’t have time to do it all at once, or don’t have all the information you need to hand.

Before you start it’s a good idea to read entitledto’s tips for using the benefits calculator first, and to gather as much information together as you can.

Talking to an adviser

Remember, benefits calculators will only give you an idea of what you can apply for and an estimate of how much you’ll get, so it’s a good idea to talk to an adviser at the Money Talk Team or the relevant benefits office to check exactly what you can get.

Last updated: 24 Jan, 2023