Financial support if you become terminally ill with a brain tumour
Receiving the news that your condition is terminal can be very difficult and you may have concerns about the impact that this may have on your finances and the finances of your family.
There may be a number of financial benefits available to you, as well as other forms of support to help your family after you are gone.
Claiming benefits under special rules
If you have been diagnosed with a terminal illness, you may be able to 'fast track' your application for certain benefits.
If you think you may be eligible to claim under special rules then speak to your doctor about this. If you are eligible they will be able to assist you with how to send a form called a 'DS1500 report' to the DWP when you apply for benefits.
Claiming under special rules will affect claims for benefits in the following ways:
You will be eligible to receive the enhanced rate of the daily living component of PIP, without the need to have a health assessment or waiting three months for the end of the PIP qualifying period. However, you will not automatically qualify for the mobility component of PIP, therefore you must let the DWP know if you are having problems with mobility.
In April 2013, PIP replaced DLA for those aged 16-64, therefore any new applications should be made for PIP. If you are already receiving DLA, and have become terminally ill, this is considered as a change in circumstances. This means that you will need to make a new claim for PIP under specials rules.
You are able to claim ESA under special rules and have your application fast tracked if you have been diagnosed with a terminal illness. You will be put into the Support Group receiving the higher rate and will not be required to take part in work-related activities.
Normally, Universal Credit payments are received six weeks after your application has been made. However if you apply under special rules then you will receive your first payment one week earlier, after five weeks. You will receive the higher rate and will not be required to take part in work-related activities.
Other forms of financial support following a terminal brain tumour diagnosis
If you suffer from ill health that is considered permanent and stops you from working, then you may be entitled to claim your pension early, depending on the conditions of your pension scheme.
Some life insurance policies and mortgage insurances will automatically include Terminal Illness Cover. Terminal Illness Insurance will pay out the insurance cover, normally if you have been diagnosed with a condition which means your life expectancy is believed to be less than 12 months.
If you have previously taken out Critical Illness Insurance, it will - depending on the cover - pay out a tax free lump sum or a regular income if you have been diagnosed with a one of a specific set of illnesses defined within the policy.
Financial planning for when you are gone
Following a terminal brain tumour diagnosis, you may need to consider a variety of matters such as, who will care for your loved ones or how to leave something in your Will to them or a cause you care about.
If you have a private pension, and pass away before accessing this, then you may be able to nominate with your pension provider who you wish to receive the money. However, under some pension schemes, payments may only be paid to those who depend on you financially, so make sure to check this with your provider.
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