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Financial support

Your rights and benefits at work when sick

Find out what you might be eligible to receive following a diagnosis of an incurable illness, including Statutory Sick Pay and New Style Employment and Support Allowance.

Work is central to many people’s lives. After receiving a diagnosis of an incurable illness, your immediate thoughts might be how am I going to continue to work? Do I want to continue to work? Can I afford not to work?

When making decisions about your work, try to focus on what’s right for you and your circumstances. Here we outline what rights you have at work, together with benefits that may be available.

At the end of the page, we give you a list of organisations you can talk to for further support.

Your rights at work following a diagnosis of an incurable illness

If you are diagnosed with an incurable illness, you are likely to be considered disabled – even if you don’t think of yourself in that way. As a result, you have certain additional rights under the Equality Act 2010 at work.

You do not have to tell your employer about your illness. However, telling them may help you access support and reasonable adjustments.
Your employer must consider reasonable adjustments to support you at work. These could include flexible working, working from home, time off for treatment, or changes to your duties or equipment.
Your employer cannot treat you unfairly or discriminate against you because of your illness. If you think you are being treated unfairly at work, check your company’s grievance policy. If you are then having trouble resolving the issue, go to the Equality Advisory and Support Service .

You will most likely need to tell your employer at some point that you are stopping work. If you find it difficult to talk about this, see our article on Talking about dying, which gives suggestions for ways to approach this subject.

Statutory Sick Pay (SSP)

If you are too ill to work, you may be entitled to Statutory Sick Pay (SSP). From April 2026, SSP is £123.25 per week and is paid by your employer for up to 28 weeks. It is paid through payroll and is subject to tax and National Insurance.

SSP is now payable from the first day of sickness, and there is no minimum earnings requirement.

If your employer offers an occupational sick pay scheme, you may receive more than SSP so it’s worth checking your employment contract.

Benefits and financial support

If you have been diagnosed with an incurable illness and, as a result, find that you are working fewer hours or stop working, the following benefits might be available to you.

New Style Employment and Support Allowance (New Style ESA)

You can apply for New Style Employment and Support Allowance (New Style ESA) if you have a disability or health condition that affects how much you can work.

You can apply if you’re employed, self-employed or unemployed. This benefit is non-means tested but is subject to tax. If you are receiving Statutory Sick Pay (SSP) (see above), you can’t claim for New Style ESA until your employer has stopped paying it (up to 28 weeks).

New Style ESA gives you money to help with living costs if you’re unable to work. To be eligible you:

must be under State Pension age
have a disability or health condition that affects how much you can work
must have paid enough National Insurance contributions in the last two tax years.

You will need to show that your medical condition makes it difficult to work. This is called ‘limited capability for work’. You can ask your GP or the doctor who’s treating you for proof you have limited capability for work. This is called a ‘fit note’.

Fast track: your claim for ESA can be fast tracked if you are terminally ill and eligible to fill in form SR1 (formally called form DS1500). If you are, you do not need to attend a face-to-face medical assessment. Discuss this with your GP or healthcare professional.

You may be able to receive Universal Credit at the same time as New Style ESA, but your Universal Credit will be reduced by the amount of ESA you get (see below).

To claim ESA, go to GOV.UK, which explains how to claim, together with information on how much you might get each week and other essential advice.

Universal Credit

Universal Credit is a payment to help with your living costs. You may be able to get it if you cannot work, are out of work or on a low income. This benefit is means tested.

To claim, you will need to be:

aged 18 or over and under State Pension age
have £16,000 or less in money, savings and investments.

If you live with your partner, you must both claim for Universal Credit as any claim is for your household. Your partner’s income and savings will be taken into consideration as well as your own.

Depending on your financial circumstances, you might be eligible to receive help with your rent or the interest of your mortgage as a part of this benefit.

To claim Universal Credit, go to GOV.UK, which explains how to claim, together with information on how your earnings affect your payments, what you’ll get and other essential advice.

Industrial Injuries Disablement Benefit (IIDB)

This benefit is potentially available if you become ill or are disabled due to an accident or disease at work or on an approved employment training scheme or course. The amount you may get will depend on your individual circumstances.

Go to the IIDB page on GOV.UK to find out more, including eligibility, what you’ll get and how to claim.

If you have substantial caring needs, your carer could get Carer’s Allowance.

Your pension

If you pay into a workplace pension scheme, or have in the past, you may be able to take your pension early if there is an ill-health retirement or medical retirement provision.

Furthermore, if you have been diagnosed with having less than a year to live, you may be able to take out all of your pension.

It’s important that before you make a decision about your pension you discuss your options with an independent financial adviser.

Check, too, if you have life insurance through work. If you’ve started taking out a pension or a lump sum, the payments to your beneficiaries from a workplace life insurance might not be paid out.

Find out more

To get further support to understand your rights at work or what benefits might be available to you at what is already a difficult enough time, you could contact the following organisations.

Acas is an independent public body that provides free and impartial advice to employers, employees and their representatives, including employment rights related to health and wellbeing.
If you live in Oxfordshire, Northamptonshire or Warwickshire and need help with a benefits claim, contact the Banburyshire Advice Centre, this independent charity provides advice on benefits.
Visit Citizens Advice, which provides information on your rights, including employment issues. If you live in Cherwell or west Northamptonshire, go to Citizens Advice West Northants & Cherwell.