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Financial support and benefits for families

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Money & Work Help with benefits, grants & support

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.

As well as the benefits listed on this page there are also other benefits you may be able to apply for, such as Universal Credit and Pension credit. Our page on using a benefit calculator explains how you can find out what you’re entitled to.

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

How to get help right now

Getting to grips with benefits can feel overwhelming, so if all this seems too much, you can contact the Money Talk Team. They can help you find out: 

  • what benefits and financial support you may be entitled to
  • how you can manage debt
  • how you can save money on your outgoings.

There are lots of ways to contact the Money Talk Team. You can:

  • get advice on the Money Talk Team website
  • call 0800 028 1456 to arrange an appointment
  • chat to their virtual assistant.

The appointment with your adviser can be over the phone or in person. Other channels may also be available, like video conferencing, email or webchat.

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 or have a disabled child

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 have an overdraft. 

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: 18 Jan, 2024