With temperatures beginning to drop after a scorching summer, many households across the UK are preparing for the financial pressures that colder months typically bring. Rising costs, particularly for essentials such as food and energy, continue to strain household budgets, while wages have remained largely stagnant. As a result, millions of families struggle to make ends meet, with everyday expenses eating into their savings.
Although inflation has returned to pre-pandemic levels, prices for basic goods remain high. This, coupled with soaring energy bills, has led to a rise in energy arrears, with figures expected to exceed £3.9 billion by the end of 2024. A staggering number of people, approximately 14 million adults, have been forced to skip meals due to financial limitations.
Against this backdrop, households must claim the support to which they are eligible. While many benefit programs exist, research shows that £24 billion worth of benefits go unclaimed every year, meaning millions miss out on financial assistance. Understanding and accessing these benefits can significantly help in easing financial burdens.
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DWP Benefit Payments and Dates for October 2025
In October, benefit payments will continue as usual without any disruptions due to public holidays. The following benefits will be paid to eligible recipients:
- Universal Credit
- State Pension
- Pension Credit
- Child Benefit
- Disability Living Allowance (DLA)
- Personal Independence Payment (PIP)
- Attendance Allowance
- Carer’s Allowance
- Employment Support Allowance (ESA)
- Income Support
- Jobseeker’s Allowance (JSA)
The Department for Work and Pensions (DWP) will continue to process these benefits without changes. Households are encouraged to ensure they receive all the benefits to which they are entitled. Additionally, individuals receiving legacy benefits, such as tax credits, income support, and Jobseeker’s Allowance, should have received notifications about moving to Universal Credit, as the DWP plans to complete this migration by January 2026.
Pension Payment Schedule
State pension payments will be made based on the last two digits of your National Insurance number. Here’s the payment schedule:
- NI ending in 00-19: Monday
- NI ending in 20-39: Tuesday
- NI ending in 40-59: Wednesday
- NI ending in 60-79: Thursday
- NI ending in 80-99: Friday
Upcoming Increases in Benefits and State Pension
In April 2024, benefits increased by 1.7%, in line with the September inflation figure. This affected all working-age benefits, including Universal Credit, PIP, and Carer’s Allowance. State pensions saw a higher increase of 4.1%, amounting to an additional £472 per year, in line with wage growth.
Looking ahead, Universal Credit claimants will receive an above-inflation increase in April 2026. The growth is expected to be at least 2.3%, although a significant reduction in the health-related element of Universal Credit is anticipated, decreasing from £105 to £50 per month.
State pension rates are projected to rise by 4.7% in April 2025, bringing the weekly amount to £241.05.
Support Programs for Households in Need
Several financial assistance programs are available for households facing economic difficulties:
The government offers interest-free budgeting loans for those on Universal Credit who need emergency funds. These loans can help cover unexpected expenses and are automatically deducted from Universal Credit payments. The maximum loan amounts are:
- £348 for single individuals
- £464 for couples
- £812 for families claiming Child Benefit
From April 2025, deductions for loans will be capped at 15% of the standard allowance, down from the current 25%.
Households can apply for Discretionary Housing Payments (DHP) to help cover rent shortfalls, deposits, or moving costs. These payments are available to individuals receiving Housing Benefit or the housing element of Universal Credit. Eligibility and funding vary by local council.
The Household Support Fund (HSF) provides financial assistance to households experiencing hardship. It offers support for utility bills, essential appliances, and direct cash payments up to £300. Local councils administer the fund and is available until March 2026.
Charitable organizations, including Turn2us, offer grants for individuals in need, especially those who are disabled, ill, or facing other personal challenges. Additionally, energy suppliers like British Gas and EDF offer payment assistance to customers struggling with their energy bills. Households need to contact their providers to check eligibility.
Individuals receiving certain benefits may be eligible for council tax reductions. Discounts can be as high as 100%, and local councils also offer discretionary reductions to those facing severe financial hardship.
Energy Price Cap and Childcare Support
Starting in October, the energy price cap will increase by £35, from £1,720 to £1,755 annually for a typical household. As energy bills continue to climb, many experts recommend considering fixed tariffs, which may offer lower rates than the price cap.
From September 2025, working parents are entitled to 30 hours of free childcare for children under four. This is part of an ongoing expansion of childcare support, which will help reduce the financial burden on working families.
Mental Health and Support Services
In addition to offering financial assistance, a range of mental health services is available for those seeking help. The Samaritans and Mind are two organizations that provide round-the-clock support, creating a safe and welcoming environment for individuals facing emotional distress.
Their trained professionals listen compassionately and guide individuals through their toughest moments. Furthermore, the NHS offers an online mental health triage service that assesses a person’s needs and directs them to the most suitable sources of support, ensuring that everyone has access to the care they require.
Frequently Asked Questions:
1. How can I apply for Universal Credit?
Universal Credit applications can be made online through the official government website. If you need assistance with the process, you can contact your local Jobcentre Plus.
2. How do I claim a Discretionary Housing Payment?
To apply for a Discretionary Housing Payment, you must be receiving Housing Benefit or the housing element of Universal Credit. You can contact your local council for more information and to apply.
3. What is the Household Support Fund, and how can I access it?
The Household Support Fund provides financial help for households facing hardship. Eligible families can apply for assistance through their local council, which will determine the type of support available.
4. When can I expect my state pension payment in October?
State pension payments are made based on the last two digits of your National Insurance number. Payments will be made on Monday through Friday, depending on your NI number range.
5. Will the cost-of-living payments continue in 2025?
As of now, there are no announced plans for further Cost of Living Payments in 2025. The final round of these payments was made between February 6 and February 22, 2024.