Before we go on deeper with this topic, it is good if we turn to know what ESA generally means.
The people with disability in the UK are all eligible for this governmental benefit program to help themselves gain financial and professional support.
In the world, the same form of service exists in different ways.
ESA is a privilege that is meant for people with disabilities. Although many might be unaware of this, it has been a qualified regulation to aid and support the people with disabilities in the UK as an ‘official government benefit program’. It is your duty to learn about it and make sure you get what you are supposed to achieve from this program.
The said allowance has been one of the best ways to gain financial support. In the UK, not taking this facility is almost similar to leaving the privilege that comes at your door. So, be serious with it and aim for gaining what you deserve.
Another interesting this is that this might also aid the people who are unemployed. That’s going to be great, though. To know if you are one of those who can get benefits from the ESA for unemployment, try knowing more about the program.
It is time we go deeper into this matter and learn what the ESA basically is and how to claim it.
We have to learn the official definition of this benefit program.
ESA is known as Employment and Support Allowance. It is a government allowance or benefit given to those people who suffer from disabilities, but they don’t get Statutory Sick Leaves from organisations they are employed in.
There are two kinds of support allowance under this plan in the UK, and they are:
- Income-related ESA
- New-Style/ Contributory ESA
However, ESA stands more than that definition.
It is a broader term. This allowance also means monetary assistance along with support for people with disabilities when they want to get employed.
Essentially, ESA comes down as a government benefit that not only helps the disabled with money; but also with quality services related to employment, training and condition management. You might be given the service of a Work Coach in the UK. This aids quite strongly to help you manage disability and illnesses at work.
Coupled with financial services such as a quick loan for the unemployed with bad credit, the ESA can help you gain or regain employment. You can also use this allowance as a support system for obtaining a better job or dealing with financial management in your personal life.
The ESA Claim Process
In recent times, ESA has been claimed in two different ways.
It is pretty much natural as compared to other sorts of allowances.
Know that it is easy and fast. But yes, you have to maintain formalities in organised ways.
The two-step process is as follows:
- Phase 1: Assessment
- Phase 2: Main Procedure
We will learn a little bit more about these two phases now.
In the Assessment phase, your decision will be made on the Work Capability Assessment. This is an assessment that checks whether or not you are able to work through this scheme.
You get this for the first 13 weeks, by which the government comes to a conclusion on your particular group of benefits. You will get ESA paid at the basic rate. However, your medical certificates are also required for verification purposes.
- The Main Phase starts from the 14th Since you have been assessed, it will now be decided in which of the two groups the government will place you for permanent benefit programs.
These two groups are:
Work-related activity group – You get the services of a work coach. You will have to visit work-focused interviews under the guidance of the said professional. It is given to help people with disabilities find work. However, your ESA rates might fluctuate if you refuse to partake in work-focused interviews.
The support group – This is meant for people who are not in working conditions. You will achieve a ‘support component’ added to your allowance. You do not have to go for work-based interviews, but you are allowed to communicate with your Work Coach to find work if you feel.
Something to Know: You Might Need a Medical Assessment for Some Claims
If you are asked by the government for a medical exam or test, then it is mandatory that you go through it.
Not participating in the medical examination might also influence your ESA rates.
You can get a home appointment for the exam if you cannot make or withstand a 90-minute journey from your home to the nearest clinic, hospital, or medical facility.
You can claim the following conditions for having the medical exam take place:
- Asking for an interpreter
- A medical practitioner of the same gender to conduct the tests.
- A friend, a relative, or a family member will stay with you and help you with the tests. You may also ask for a support worker.
It is better if you inform the medical centre before these procedures. Yes, it may not always be possible for it to help you with your requests accurately. But trying early can still get all your requirements fulfilled.
If you face some financial requirements issues, consider ‘on benefits loans’ from direct lenders with no guarantor involved. The reason to say this is that you can pay off the loan using the ESA allowance. In this process, you, at least, won’t be delayed for the medical tests.
Always remember to keep your disability-related documents, and other official papers close at hand. These will greatly help the officials to process the allowance verification faster and better.
Every person with a disability should get a governmental aid. After all, you can consider this a great opportunity to be employed. In addition, you gain financial aid.
Visit related governmental sites to learn more about ESA in the UK.
And then, don’t forget to apply fast.
As mentioned earlier, you deserve this allowance.
So, go ahead and achieve it. It’s for you.