The Government is providing unprecedented levels of support to tackle COVID-19. A COVID-19 Response Fund has been provided, to fund pressures in the NHS, support local authorities to manage pressures on social care and support vulnerable people, and to help deal with pressures on other public services.
November 2020 Update
Coronavirus Job Retention Scheme
The Chancellor has confirmed that the Coronavirus Job Retention Scheme (CJRS) will be extended until the end of March 2021. The scheme will operate on the same terms as the previous scheme and mirror the levels of support available under the scheme in August – this means that the Government will pay 80 per cent of wages up to a cap of £2,500 for hours not worked. Employers will not have to make any contribution to their employees’ wages for the hours not worked – they will only be asked to cover National Insurance and Employer pension contributions, which for the average claim accounts for just 5 per cent of total employment costs (or £70 per employee per month). Claims can be made from next week and as previously, paid within 6 working days.
There will be no gap in support between the previously announced end date of CJRS and this extension.
How will it work?
- Employers will have flexibility to ask their employees to work on a part-time basis and furlough them for the rest of their usual working hours, or furlough them full-time. Employers will have to cover their wages for any hours they work as well as all employer National Insurance and employer pension contributions.
- Employers will be able to claim either shortly before, during or after running their payroll. There will be a short period initially when the online claims service will be closed while we update the system, and employers will be able to claim in arrears for that period.
How to check if employees are eligible:
- Employers can claim for employees who were on their PAYE payroll on 30 October 2020. Employers must have made a PAYE Real Time Information (RTI) submission to HMRC between 20 March 2020 and 30 October 2020, notifying a payment of earnings for that employee.
- If employees were on an employer’s payroll on 23 September 2020 (i.e. notified to HMRC on an RTI submission on or before 23 September) and were made redundant or stopped working for them afterwards, they can also qualify for the scheme if the employer re-employs them.
- Neither the employer or employee needs to have previously used the CJRS.
What employers need to do now:
- Check if their employees are eligible for the scheme, based on the information above.
- Agree working hours with their employees, so employees know if they are furloughed fully or part-time during November.
- Keep the records that support the amount of CJRS grant they claim, in case HMRC need to check it. Employers can view, print or download copies of their previously submitted claims by logging onto their CJRS service online.
- GO to GOV.UK for more information.
Support for the self-employed
The Government has also announced that we will provide more generous support to the self-employed and will pay that support more quickly. We are increasing the support to the self-employed from 40 per cent of trading profits to 80 per cent for November. As SEISS grants are calculated over 3 months, this increases the total level of the grant from 40 per cent to 55 per cent of trading profits for November to January and the maximum grant will increase to £5,160.
This provides broadly equivalent support to the self-employed as we are providing to employees through the Government contribution in the Coronavirus Job Retention Scheme in November and then the Job Support Scheme in the two subsequent months. HMRC will pay this more generous grant sooner than planned and in good time for Christmas – the window for claiming a grant will open on 30 November, two weeks earlier than previously announced.
Who is eligible? To be eligible for the scheme, self-employed individuals - including members of partnerships - must:
- have been previously eligible for the Self-Employment Income Support Scheme first and second grant (although they do not have to have claimed the previous grants)
- intend to continue to trade and either:
- are currently actively trading but are impacted by reduced demand due to coronavirus
- were previously trading but are temporarily unable to do so due to coronavirus
Mortgage payment holidays
Mortgage payment holidays will continue to be available for homeowners. Borrowers who have been impacted by coronavirus and have not yet had a mortgage payment holiday will be entitled to a six-month holiday and those that have already started a mortgage payment holiday will be able to top up to a maximum of six months without this being recorded on their credit file. The FCA will announce further details on the scheme, including how customers can continue to apply for this support.
Universal Credit
You could get Universal Credit if:
- you have less than £16,000 in savings
- you or your partner is under State Pension age
- If you’re already getting tax credits, they will stop when you or your partner applies for Universal Credit.
You might be able to get Universal Credit at the same time as New Style JSA. Depending on your circumstances, Universal Credit can include additional amounts for things like rent or the costs of raising children.
Find out more or apply for Universal Credit at: https://www.gov.uk/how-to-claim-universal-credit.
The Government have also previously strengthened the safety net for those who need it – increasing Universal Credit and Working Tax Credit by £1,000 a year – a cash injection of nearly £7 billion in the welfare system. We are increasing the Universal Credit standard allowance, for 12 months (until March 2021), by £1,000 a year. We will also increase Working Tax Credit by the same amount for 12 months. Together these measures will benefit over 4 million of our most vulnerable households.
The Government have also suspended the minimum income floor for twelve months – meaning self-employed people can now access, in full, Universal Credit at a rate that is equivalent to Statutory Sick Pay for employees.
Support for local businesses in England
Throughout the crisis, we have provided support for businesses. We have confirmed that businesses which are forced to close due to the new restrictions will receive up to £3,000 per month – this is worth over £1 billion a month under the new national restrictions and will benefit over 600,000 businesses. Businesses in the hospitality, leisure and accommodation sectors that have been suffering from reduced demand for a while due to local restrictions will receive back dated grants at 70 per cent of the value of closed grants (up to £2,100 per month) for this period. We are also providing one off funding of £1.1 billion to local authorities to support businesses more broadly over the coming months, who are a key part of our local economies.
Loan extensions: We have announced that we plan to extend our loan schemes – the Bounce Back Loan Scheme, Coronavirus Business Interruption Loan Scheme, Coronavirus Large Business Interruption Loan Scheme and the Future Fund – to the end of January. We will also adjust the Bounce Back Loan Scheme rules to allow those businesses who have taken out less than their maximum (i.e. less than 25 per cent of their turnover) to top-up their existing loan giving businesses greater flexibility and support. Businesses will be able to take up this option from next week; they can make use of this option once.
The new Job Support Scheme, which was due to start on Sunday 1st November, has now been postponed.
More funding for English Local Authorities to support their local healthcare response
Up to £500 million will be provided to local councils for local public health initiatives, such as additional contact tracing, testing for hard-to-reach groups and communications. The Contain Outbreak Management Fund has already supported several English Upper Tier Local Authorities to fund local public health initiatives. Where necessary, they will have this funding topped up to a maximum of £8 per head of population. If they have not received any to date, they will be entitled to the full £8 per head.
We are also providing additional funding to local authorities to support the Clinically Extremely Vulnerable now that revised guidance is in place nationally. Funding will be provided of up to £14.60 per Clinically Extremely Vulnerable person for the 28-day period that the restrictions are in force. We will review this funding after the 28-day period should the strictest guidance remain in place in any one area once the initial 28-day period is over.
Alongside our £200 billion package of support committed since March, these announcements will give businesses the support and flexibility to adjust and plan over the coming months.
Further measures to support for businesses’ cash announced in the Government’ Winter Economy Plan…
Since March the Government has implemented a series of measures to reduce pressure on business finances, allowing firms to manage their costs over a period of reduced demand, and protect jobs. As part of this the Government has spent over £13 billion in business and sector‑specific grants.
The Chancellor of the Exchequer presented our Winter Economy Plan to Parliament on Thursday 24 September 2020 to outline how the Government will support jobs and the economy over the coming months.
Extending the temporary VAT reduced rate for hospitality and tourism
To continue supporting the cashflow and viability of over 150,000 UK businesses22 and to protect 2.4 million jobs,23 the government is extending the temporary reduced rate of VAT (5%) from 12 January to 31 March 2021. This will continue to apply to supplies of food and non-alcoholic drinks from restaurants, pubs, bars, cafés and similar premises, supplies of accommodation and admission to attractions across the UK.
Extension of access to finance schemes
Over 1 million businesses across the United Kingdom have already benefitted from over £57 billion through our business loan schemes. But we are giving them even more access to support by extending the deadline for new applications until the end of November for the Coronavirus Business Interruption Loan Scheme (CBILS), the Coronavirus Large Business Interruption Loan Scheme (CLBILS), and the Future Fund. Along with our Bounce Back Loans, this means all four loan schemes will now expire at the end of November. We will work with businesses and lenders to introduce a new loan guarantee scheme from January 2021.
Support also continues through the COVID-19 Corporate Financing Facility which will remain open until 22 March 2021. Where a company has exhausted all other options, and is of strategic importance to the UK, the government may also consider providing bespoke financial support.
Pay as you Grow
The Government will give all businesses that borrowed under the BBLS the option to repay their loan over a period of up to ten years. This will reduce their average monthly repayments on the loan by almost half. UK businesses will also have the option to move temporarily to interest-only payments for periods of up to six months (an option which they can use up to three times), or to pause their repayments entirely for up to six months (an option they can use once and only after having made six payments). These changes will provide greater flexibility to repay these loans over a longer period and in a way that better suits businesses’ individual circumstances.
CBILS loan extension – The Government intends to allow CBILS lenders to extend the term of a loan up to ten years, providing additional flexibility for UK-based SMEs who may otherwise be unable to repay their loans.
VAT deferral ‘New Payment Scheme’
The Government will give businesses which deferred VAT due in March to June 2020 the option to spread their payments over the financial year 2021-2022. Over half a million businesses deferred VAT payments,28 a cash injection of £30 billion into the UK economy when it needed it most. Rather than paying in full at the end of March 2021, businesses will be able to choose to make 11 equal instalments over 2021-22. All businesses which took advantage of the VAT deferral can use the New Payment Scheme. Businesses will need to opt in, but all are eligible. HMRC will put in place an opt-in process in early 2021.
Other Previous measures already announced...
The Government has unveiled an unprecedented package of financial measures to shore up the economy against the coronavirus impact.
It includes £330bn in loans, £20bn in other aid, a business rates holiday, and grants for retailers and pubs.
To ensure that businesses have access to the funds they need, the Government is providing:
- support for liquidity amongst large firms, with a major new scheme being launched by the Bank of England to help them bridge Coronavirus disruption to their cash flows through loans
- increasing the amount businesses can borrow through the Coronavirus Business Interruption Loan Scheme from £1.2 million to £5 million, and ensuring businesses can access the first 6 months of that finance interest free, as Government will cover the first 6 months of interest payments
- including new legal powers in the Covid Bill enabling the Government to offer whatever further financial support we think necessary to businesses
Providing £20 billion of business rates support and grant funding to help the most-affected firms manage their cashflow through this period by:
- giving all retail, hospitality and leisure businesses in England a 100% business rates holiday for the next 12 months
- increasing grants to small businesses eligible for Small Business Rate Relief from £3,000 to £10,000
- providing further £25,000 grants to retail, hospitality and leisure businesses operating from smaller premises, with a rateable value over £15,000 and below £51,000
- remove the requirement for planning permission for pubs and restaurants to provide takeaways.
Contact the Business Support Helpline for free advice. Telephone: 0300 456 3565 Monday to Friday, 9am to 6pm
Supporting self-employed workers
The Chancellor of the Exchequer presented our Winter Economy Plan to Parliament on Thursday 24 September 2020 to outline how the Government will support jobs and the economy over the coming months. The Winter Economy Plan included new measures to help support the self-employed.
Self-Employed Income Support Scheme Grant Extension
The Government recognises the continued impact that COVID-19 has had on the self-employed and has taken action to provide support. The SEISS Grant Extension provides critical support to the self-employed. The grant will be limited to self-employed individuals who are currently eligible for the SEISS and are actively continuing to trade but are facing reduced demand due to COVID-19. The scheme will last for 6 months, from November 2020 to April 2021.
The extension will be in the form of two taxable grants. The first grant will cover a three-month period from the start of November until the end of January. This initial grant will cover 20%of average monthly trading profits, paid out in a single instalment covering 3 months’ worth of profits, and capped at £1,875 in total. The second grant will cover a three-month period from the start of February until the end of April. The government will review the level of the second grant and set this in due course.
Enhanced Time to Pay for Self-Assessment taxpayers
The Government will give the self-employed and other taxpayers more time to pay taxes due in January 2021, building on the Self-Assessment deferral provided in July 2020. Taxpayers with up to £30,000 of Self-Assessment liabilities due will be able to use HMRC’s self-service Time to Pay facility to secure a plan to pay over an additional 12 months. This means that Self-Assessment liabilities due in July 2020 will not need to be paid in full until January 2022. Any Self-Assessment taxpayer not able to pay their tax bill on time, including those who cannot use the online service, can continue to use HMRC’s Time to Pay Self-Assessment helpline to agree a payment plan.
Previous measures already announced...
Self-Employed Income Support Scheme
- The Government will pay self-employed people across the whole UK who have been adversely affected by coronavirus a grant worth 80 per cent of their average monthly profits over the last three years, up to £2,500 a month, for three months – but it will be extended for longer if necessary.
- The Government will make it simple for self-employed people to get the financial support they need. Self-employed people who are eligible will be contacted by HMRC directly, asked to fill out a simple online form, and HMRC will pay the grant directly into their bank account. We expect people to access the scheme by the beginning of June.
- We are ensuring our support reaches those self-employed people who are most in need of it. The scheme will only be open to those with trading profits up to £50,000, leaving 95 per cent of people who are majority self-employed eligible for the scheme. HMRC will also ask people to demonstrate that the majority of their income comes from self-employment, and, to minimise fraud, only those who are already in self-employment, and who have a tax return for 2019, will be able to apply.
On 20 March 2020, the Chancellor strengthened measures to help those who are self-employed. This includes strengthening the safety-net for the self-employed, who will benefit from a relaxation of the earnings rules under universal credit and deferring income tax self-assessment payments due in July 2020.
- We have already made access to both Universal Credit and ESA more generous and accessible – for example by increasing the UC allowance by £20 per week.
- We have temporarily removed the 7 waiting day requirement in ESA and we have relaxed Universal Credit’s Minimum Income Floor for all self-employed people.
- We are also deferring income tax self-assessment payments from July to January next year to help those who are self-employed.
Providing self-employed people with a safety net:
Supporting people through the welfare system so that nobody is penalised for doing the right thing. We will make it quicker and easier to access benefits. Those on contributory ESA will be able to claim from day 1, instead of day 8. And we are relaxing the requirement for anyone to physically attend a jobcentre – everything can be done by phone or online.
Suspending the minimum income floor for twelve months – meaning self-employed people can now access, in full, Universal Credit at a rate that is equivalent to Statutory Sick Pay for employees. For the self-employed, we are also deferring income tax self-assessment payments for July until the end of January 2021.
Strengthening the safety net for those who need it – increasing Universal Credit and Working Tax Credit by £1,000 a year – a cash injection of nearly £7 billion in the welfare system. We are increasing the Universal Credit standard allowance, for the next 12 months, by £1,000 a year. We will also increase Working Tax Credit by the same amount for the next 12 months.
Supporting small businesses:
Providing grants to the smallest of businesses of £10,000. We are providing £10,000 grants to the 700,000 of our smallest businesses.
Deferring the next three months of VAT tax, a direct injection of over £30 billion of cash to employers, equivalent to 1.5 per cent of GDP. That means no business will pay any VAT from now until the end of June, and they will have until the end of the financial year to repay those bills.
The Coronavirus Business Interruption Loan Scheme will now be interest free for twelve months, an extension from the initial announcement of six months. We have already introduced and announced an extension to the Business Interruption Loan Scheme, which is for small and medium-sized businesses. The Chancellor expanded the amount that can be borrowed from £1.2 million to £5 million, and we are now extending the time frame of no interest on these loans from six months to twelve months.
Helping people with the cost of living during this time:
Introducing emergency legislation to protect renters, so that no one gets evicted if they cannot pay their rent. Emergency legislation will be taken forward as an urgent priority so that landlords will not be able to start proceedings to evict tenants for at least a three-month period. As a result of these measures, no renters in private or social accommodation needs to be concerned about the threat of eviction.
Announcing nearly £1 billion of support for renters, by increasing the generosity of housing benefit and Universal Credit, so that the Local Housing Allowance will cover at least 30 per cent of market rents in local areas.
Introducing a three-month mortgage holiday for those in difficulty due to coronavirus – so that people will not have to pay a penny towards their mortgage while they get back on their feet. And in the coming days, we will go much further to support people’s financial security. We will work with trade unions and businesses to develop new forms of employment support to help protect people’s jobs and incomes through this period.
Introducing new emergency measures with the energy industry to keep gas and electricity flowing, looking after vulnerable customers who may be in financial difficulty due to Covid-19. Any household in financial distress will be supported by their supplier so that their energy does not get cut off.
Coronavirus Job Retention Scheme
The Government is protecting people and their jobs by stepping in and helping pay people’s wages – through a scheme which is one of the most generous of any in the world – paying grants to support as many jobs as necessary. Any employer in the country – large, small, charitable or for profit – who promises to retain their staff, can apply for a grant to cover most of the cost of paying people’s wages. Government grants will cover 80 per cent of the salary of retained workers up to a total of £2,500 a month – above the median income.
June 2020 Update:
In June and July, nothing will change for employers and the Government will continue to pay 80 per cent of people’s salaries. From August, the level of the grant will be slowly reduced and employers will be required to top up the Government payment to ensure employees receive 80 per cent of their normal pay, up to a monthly cap of £2,500, throughout.
- From July, businesses can bring furloughed employees back part time. This is a month earlier than previously announced to help support people back to work. Employers will be able to claim the furlough grant for the proportion of the employees’ normal hours they are not working – but they must pay their employees for the hours they are working. The Government will continue to pay 80 per cent of wages up to £2,500, plus employer National Insurance and pension contribution.
- From August, the job retention scheme will be slowly tapered to reflect that people will be returning to work. The Government will pay 80 per cent of wages up to a cap of £2,500, but employers will start paying employer National Insurance and pension contributions.
- From September, the Government will pay 70 per cent of wages up to a cap of £2,190. Employers will be asked to pay the remaining 10 per cent, in addition to employer National Insurance and pension contributions.
- From October, the Government will pay 60 per cent of wages up to a cap of £1,875. Employers will be asked to pay the remaining 20 per cent, in addition to employer National Insurance and pension contributions.
Previous updates (March 2020):
The Chancellor has announced a combination of measures unprecedented for a government of this nation.
Our Plan for People’s Jobs and Incomes, will protect people’s jobs; offer more generous support to those who are without jobs; strengthen the safety net for the self-employed; and help people stay in their homes.
- For the first time in our history – we will help pay people’s wages through the Coronavirus Job Retention Scheme – offering grants to employers who promise to retain their staff, covering most of the cost of paying people’s wages.
- We are also deferring the next three months of VAT until the end of the financial year – an injection of over £30 billion of cash to businesses to help businesses pay people and keep them in work. The Government is standing behind employers – and we are asking that they do their bit and stand behind workers.
- We are also acting so that, if the worst happens, there is a stronger safety net to fall back on. So we are increasing Universal Credit and Working Tax Credit by £1,000 a year for the next 12 months – that’s nearly £7 billion of extra support.
We will ensure people get the support they need to stay at home and do the right thing. This will mean we can protect our NHS and save lives.
Protecting People's Jobs
- For the first time in our history, the British government is going to step in and help pay people’s wages – a scheme which is one of the most generous of any in the world – paying grants to support as many jobs as necessary. We will place no limit on these grants. Any employer in the country – large, small, charitable or for profit – who promises to retain their staff, can apply for a grant to cover most of the wages of people who are not working but are furloughed and kept on payroll, rather than being laid off. Government grants will cover 80 per cent of the salary of retained workers up to a total of £2,500 a month – above the median income. The cost of wages will be backdated to 1st March and will be open initially for at least three months – and we will extend the scheme for longer if necessary.
- Deferring the next three months of VAT tax, a direct injection of over £30 billion of cash to employers, equivalent to 1.5 per cent of GDP. That means no business will pay any VAT from now until the end of June; and they will have until the end of the financial year to repay those bills.
- The Coronavirus Business Interruption Loan Scheme will now be interest free for twelve months, an extension from the initial announcement of six months. We have already introduced and announced an extension to the Business Interruption Loan Scheme, which is for small and medium-sized businesses. On Tuesday, the Chancellor expanded the amount that can be borrowed from £1.2 million to £5 million, and we are now extending the time frame of no interest on these loans from six months to twelve months.
Offering more generous support to those who are without employment:
- We are today strengthening the safety net for those who need it – increasing Universal Credit and Working Tax Credit by £1,000 a year – a cash injection of nearly £7 billion in the welfare system. We are increasing the Universal Credit standard allowance, for the next 12 months, by £1,000 a year. We will also increase Working Tax Credit by the same amount for the next 12 months.Together these measures will benefit over 4 million of our most vulnerable households.
Strengthening the safety net for people who work for themselves:
- We have suspended the minimum income floor for twelve months – meaning self-employed people can now access, in full, Universal Credit at a rate that is equivalent to Statutory Sick Pay for employees. For the self-employed, we are also deferring income tax self-assessment payments for July until the end of January 2021. We will announce further measures to support self-employed people over the coming days.
Helping people stay in their homes:
- We have announced nearly £1 billion of support for renters, by increasing the generosity of housing benefit and Universal Credit, so that the Local Housing Allowance will cover at least 30 per cent of market rents in local areas.
Other previous announcements to support businesses and workers:
- We will stand behind businesses small and large – providing a £330 billion package of loans and guarantees – that’s worth 15 per cent of our GDP. And if demand is greater than the initial £330 billion we are making available today, we will go further and provide as much capacity as required.That means any good business in financial difficulty who needs access to cash to pay their rent, the salaries of their employees, pay suppliers, or purchase stock, will be able to access a government-backed loan, on attractive terms.
- We will help all businesses in the retail, hospitality and leisure sectors – meaning that none of these companies will have to pay business rates. All businesses in this sector are exempt from business rates for 12 months – that’s every single shop, pub, theatre, music venue, restaurant, and any other business in the retail, hospitality or leisure sectors. In addition, we will provide small businesses in these sectors with an additional grant scheme of up to £25,000. Any business with a rateable value of less than £51,000 can now get access to a government grant.
- Providing grants to the smallest of businesses of £10,000. We are providing £10,000 grants to the 700,000 of our smallest businesses.
- For those in difficulty due to coronavirus, we are introducing a three month mortgage holiday – so that people will not have to pay a penny towards their mortgage while they get back on their feet. And in the coming days, we will go much further to support people’s financial security. We will work with trade unions and businesses to develop new forms of employment support to help protect people’s jobs and incomes through this period.
- Making Statutory Sick Pay available for people diagnosed with COVID-19 or who are self-isolating, helping people with their finances – and a doctor’s note can be obtained via NHS 111. We have already set out that SSP will be available from day one for people who have COVID-19. But the Budget sets out that this will now cover those who are unable to work because they have been advised to self-isolate as well as for people within the same household who display symptoms. Those who are advised to self-isolate will able to obtain a doctor’s note via NHS 111 as medical evidence for SSP.
- Supporting people who are not eligible for Statutory Sick Pay, like the self-employed, through the welfare system so that nobody is penalised for doing the right thing. We will make it quicker and easier to access benefits. Those on contributory ESA will be able to claim from day 1, instead of day 8. To make sure that time spent off work due to sickness is reflected in people’s benefits, we are also temporarily removing the minimum income floor in Universal Credit. This means self-employed people who fall out of work will still get their full payment. And we are relaxing the requirement for anyone to physically attend a jobcentre – everything can be done by phone or online.
- Introducing emergency legislation to protect renters, so that no one gets evicted if they cannot pay their rent. Emergency legislation will be taken forward as an urgent priority so that landlords will not be able to start proceedings to evict tenants for at least a three-month period. As a result of these measures, no renters in private or social accommodation needs to be concerned about the threat of eviction.
Support for Rough Sleepers
The Government is ensuring we take every step necessary to protect and support the most vulnerable. That is why we have allocated £3.2 million of initial emergency funding to support rough sleepers if they need to self-isolate to prevent the spread of COVID-19. This funding will be available to all local authorities in England and will reimburse them for the cost of providing accommodation and services to those sleeping on the streets to help them successfully self-isolate.
Support for Councils on Adult Social Care
Local authorities are already playing a vital role in supporting our communities and the government has announced an additional £1.6bn funding to support local authorities in responding to the COVID-19 pandemic. This funding will help alleviate the pressures local authorities are facing across services. This should enable them to do the following:
• Meet the increased demand for adult social care and enable councils to provide additional support to social care providers;
• CCGs will separately be funding additional costs of discharging and keeping people out of hospital, including social care costs – commissioned by the local authority unless existing local arrangements suggest otherwise;
• Meet the extra demand and higher business-as-usual costs of providing children’s social care – including as a result of school closures and the increased need for accommodation to address the need for isolation, including for unaccompanied asylum-seeking children;
• Provide additional support for the homeless and rough sleepers – including where self-isolation is needed;
• Support those at higher risk of severe illness from COVID-19 – who may soon be asked to self-isolate in their homes for the duration of the pandemic;
• Meet pressures across other service – as a result of reduced income, rising costs or increased demand.
Additional helpful information:
The Government have made a number of changes to benefits and sick pay. The following two organisations provide detailed support and advice about your money in light of coronavirus and new Government measures.
- This up-to-date guide from the Money Advice Service is easy to follow and filled with good advice about sick pay and changes to claiming your benefits during this challenging time. Please visit: https://www.moneyadviceservice.org.uk/en/articles/coronavirus-what-it-means-for-you for more information.
- The advice and benefits and grants calculators at Turn2Us are useful to get support if the coronavirus has had a negative impact on your finances. Please visit: https://www.turn2us.org.uk/get-support/Benefits-and-Coronavirus for more information.
An update on scams
Stay vigilant about scams, which may mimic Government messages as a way of appearing authentic. Search 'scams' on GOV.UK for information on how to recognise genuine HMRC contact. You can also forward suspicious emails claiming to be from HMRC to phishing@hmrc.gov.uk and texts to 60599.