National Insurance & Pensions

Universal Credit can provide valuable financial support for self-employed individuals in the UK. However, eligibility and payment levels are influenced by specific rules, including the Minimum Income Floor (MIF), which can significantly affect entitlement when business profits are low.

The self-employed don't receive Statutory Sick Pay when illness stops them working. Instead, the main safety net is New Style Employment and Support Allowance (ESA). Here is who qualifies, how much you can get and how to apply.

2026 will bring significant changes to the UK's pension system. While key principles like the triple lock remain in place, there are still important adjustments to watch for. What impact will these changes have on future pensioners and how will the system evolve?

The UK state pension is set to rise by 4% in April 2025, offering pensioners an additional £460 annually. However, cuts to Winter Fuel Payments and potential tax implications may offset these gains. This article examines the changes, their impact on retirees, and practical steps to optimize retirement income.