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A little help

AdTheAddicK
AdTheAddicK Posts: 3,379
in Not Sports Related
So yesterday I was playing football and I broke my arm. I am a self-employed electrician. I got really upset as I no longer will be getting paid and being this time of year. I've had a look online to see if I can claim anything whilst being off work. However it's all a bit too confusing online. Has anyone been in the same situation and have made a claim?


Any help would be appreciated

Comments

  • AFKABartram
    AFKABartram Posts: 57,834
    Sorry to hear. Do you not have any form of insurance?
  • AdTheAddicK
    AdTheAddicK Posts: 3,379
    I had public liability however it only covers injury's at work. :(
  • Redweb
    Redweb Posts: 37
    Any way you can lie and say you did it at work or is it not that easy?
  • Big_Bad_World
    Big_Bad_World Posts: 5,859
    Have a read up on:

    •Personal Independence Payment
    •Employment and Support Allowance

    Not sure how it all works but believe you may have a case for both. You'll be assessed first, though, so may take a while.

    Good luck.
  • cantersaddick
    cantersaddick Posts: 16,948
    Big_Bad_World said:

    Have a read up on:

    •Personal Independence Payment
    •Employment and Support Allowance

    Not sure how it all works but believe you may have a case for both. You'll be assessed first, though, so may take a while.

    Good luck.

    You will probably have to make a claim to Universal credit (which has replaced ESA and others). At the very least you should be able to get the Job seekers equivalent of one hundred and something a week. You may be able to be assessed for the ESA equivalent amount which would top that up - can't remember the rules.

    Pretty sure you won't be able to get PIP as that is about giving support for the extra costs of a long term disability e.g. care costs or mobility costs.
  • Macronate
    Macronate Posts: 12,897
    Homeowners insurance covers personal injuries as long as your policy includes personal liability coverage, and most policies do. However, not every injury will be covered by your personal liability insurance.

    Might be worth checking your policy.
  • AdTheAddicK
    AdTheAddicK Posts: 3,379
    Cheers for the help guys it's much appreciated. I've had a look at the universal credit scheme which looks like I qualify for however it's just still a bit too confusing so my best best probably contact someone from there, I currently live at home.... With my parents
  • cafcfan1990
    cafcfan1990 Posts: 12,811
    If you have paid your NI contributions for the last 2 years, I believe you qualify for the following:
    - New style ESA if your area is a Universal credit area
    - If not, contribution based ESA
  • LenGlover
    LenGlover Posts: 31,661
    https://www.turn2us.org.uk/Benefit-guides/Self-employment-and-benefits/What-benefits-can-I-claim-if-I-can-t-work-because
  • AdTheAddicK
    AdTheAddicK Posts: 3,379
    LenGlover said:

    https://www.turn2us.org.uk/Benefit-guides/Self-employment-and-benefits/What-benefits-can-I-claim-if-I-can-t-work-because

    Thank you Len,I've also just found out my team have an insurance as well so may be able to get a little bit of them

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  • Lincsaddick
    Lincsaddick Posts: 32,362
    edited December 2018
    cantersaddick said:

    Big_Bad_World said:

    Have a read up on:

    •Personal Independence Payment
    •Employment and Support Allowance

    Not sure how it all works but believe you may have a case for both. You'll be assessed first, though, so may take a while.

    Good luck.

    You will probably have to make a claim to Universal credit (which has replaced ESA and others). At the very least you should be able to get the Job seekers equivalent of one hundred and something a week. You may be able to be assessed for the ESA equivalent amount which would top that up - can't remember the rules.

    Pretty sure you won't be able to get PIP as that is about giving support for the extra costs of a long term disability e.g. care costs or mobility costs.
    cantersaddick said:

    Big_Bad_World said:

    Have a read up on:

    •Personal Independence Payment
    •Employment and Support Allowance

    Not sure how it all works but believe you may have a case for both. You'll be assessed first, though, so may take a while.

    Good luck.

    You will probably have to make a claim to Universal credit (which has replaced ESA and others). At the very least you should be able to get the Job seekers equivalent of one hundred and something a week. You may be able to be assessed for the ESA equivalent amount which would top that up - can't remember the rules.

    Pretty sure you won't be able to get PIP as that is about giving support for the extra costs of a long term disability e.g. care costs or mobility costs.
    this, BUT Universal Credit depends on where you live and if the 'roll out' has happened in your area .. this page is very good and you can check your entitlement .. good luck with the injury, not ideal for a 'manual worker'
    https://www.gov.uk/employment-support-allowance/eligibility
  • Dazzler21
    Dazzler21 Posts: 51,360
    AdTheAddicK said:

    So yesterday I was playing football and I broke my arm. I am a self-employed electrician. I got really upset as I no longer will be getting paid and being this time of year. I've had a look online to see if I can claim anything whilst being off work. However it's all a bit too confusing online. Has anyone been in the same situation and have made a claim?


    Any help would be appreciated

    There's specific insurance out there for this - for future reference, hope your able to be sorted this time round.
  • AdTheAddicK
    AdTheAddicK Posts: 3,379
    Cheers lads much appreciated
  • AFKABartram
    AFKABartram Posts: 57,834
    Good luck @AdTheAddicK
  • Baldybonce
    Baldybonce Posts: 9,651
    @AdTheAddicK
    I can't help about claiming but i have some work needs doing when you're ready.

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