How to deal with debt with a long-term illness

Are you facing debt with a long-term illness and wondering how you’ll manage your money? Ongoing health issues often mean you end up dealing with unpredictable expenses like travelling to appointments, hospital parking, and prescription charges.

It can be challenging both mentally and physically, and can lead to more stress when you’re already feeling the pressure. These financial extras, as well as time off work and a reduced income, can make falling into debt more likely.

If you’re dealing with a long-term illness and are worried about debt, read our advice on what you can do to deal with your financial situation.


Look at how you can manage your finances

Create a simple budget to make sure your essential living expenses and care costs are taken into account. You can use our free budget template to get started.

Your budget will help you manage your incomings against your outgoings, so you can concentrate on your health instead of worrying about money. It’s also a good way to discover where you could benefit from saving cash.


Check your Statutory Sick Pay entitlement

Some people don’t know that you can get Statutory Sick Pay (SSP) for up to 28 weeks if:

  • You’re in work, but can’t attend because you’re ill
  • You were earning £112 per week or more in the two months before you couldn’t work

That means you’ll still get paid a specified amount while you’re off work, paid into your bank account the same way you would usually get your wages.


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