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If you’re on income-based Jobseeker’s Allowance, you can only get SMI for up to two years Under government proposals, from April 2018 SMI will be paid as a loan which you will have to pay back either when you sell your house, or voluntarily when you are able to (for example when you return to work).

If your disability or illness was caused at work you may be able to claim Industrial Injuries Disablement Benefit (IIDB).

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If you claim benefits you must explain your condition.

Otherwise you might not get all the help you’re entitled to.

If you can’t manage your benefits yourself, an individual or organisation can do this on your behalf. They become responsible for dealing with your Department for Work and Pensions (DWP) benefits.

The amount you can get depends on how severely your condition affects you.

If you have an injury or illness caused by work that started before 1 October 1990 and can’t earn as much money now because of your condition, you may be able to claim Reduced Earnings Allowance.

You may also be able to claim Industrial Injuries Disablement Benefit.There is plenty of free help available if you’re unsure about what benefits you are entitled to or need help with making a claim.Some benefits help you with the extra care needs you have because you’re disabled or have a long-term or terminal health condition. In other words they are not affected by your income and savings.They include: Employment and Support Allowance (ESA) is paid if you can’t work or only work a few hours a week because of sickness or disability.You may be able to get ESA if your Statutory Sick Pay (SSP) has run out or you can’t claim SSP.For example, because you’re: SMI is paid directly to the lender 39 weeks after you first apply for this benefit.

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