The large Cost of Living Payments have ended, but financial help has not disappeared. In 2026, support is spread across regular benefits, energy discounts, council crisis schemes and help with housing costs. The key step is not to wait for another automatic payment — most help must now be checked or claimed. Start with a benefits check or the Money Scan.
No. GOV.UK confirms the special Cost of Living Payments have stopped, and no further payments are currently planned. Be cautious about messages claiming a new payment is waiting for you — do not share bank details through an unexpected link. A genuine government payment is announced on official channels; if in doubt, run the message through our scam check.
From April 2026, the government says an average of £150 in costs is being removed from household energy bills automatically. The Warm Home Discount also continues — a one-off £150 discount on an eligible household’s electricity bill. The 2025–26 scheme has closed; the next is due to reopen in October 2026, and the discount is normally applied to the energy account rather than paid into a bank.
Struggling now? Ask your supplier about repayment plans, hardship funds or support for vulnerable customers. On a prepayment meter, contact your supplier before emergency credit runs out. More routes on our energy bill help page.
From April 2026, local crisis help in England is delivered through the Crisis and Resilience Fund. Councils can use it to support residents facing sudden hardship or housing problems. Depending on the local scheme, help may cover:
There is no single national form — each council sets its own rules. Search your council’s website for “Crisis and Resilience Fund”, “crisis support” or “welfare assistance”, or use find local help. Equivalent schemes differ in Scotland, Wales and Northern Ireland.
Possibly. Council Tax Reduction can lower the bill for people on a low income or certain benefits — and it is not always added automatically when someone claims Universal Credit, so a separate council application may be required. Other discounts can apply to people living alone, some students, certain carers, people with severe mental impairment, households with a disabled resident, and properties empty for an accepted reason.
In England, councils may provide a Housing Payment through the Crisis and Resilience Fund where Housing Benefit or the housing element of Universal Credit does not meet the full rent. These payments are usually temporary — apply early if arrears are building, and include rent statements, tenancy details, income, essential spending and any landlord notice. Outside England, ask about Discretionary Housing Payments or the local equivalent.
Entitlement can change after a rent rise, reduced hours, a new baby, separation, illness, disability or a new caring role. Worth re-checking: Universal Credit, Pension Credit, PIP or the relevant devolved benefit, Attendance Allowance, Carer’s Allowance, Child Benefit, childcare help, free school meals, and help with NHS costs. Receiving one benefit can unlock others — Pension Credit, for example, may lead to further support with housing, health costs or energy bills.
Gather payslips, benefit letters, rent details, Council Tax information, savings figures and energy bills. Run the benefits check, then contact the relevant council or benefit service. Citizens Advice or a welfare rights adviser can help with difficult forms — and working or owning a home does not automatically rule out support.
Yes. Universal Credit, Council Tax Reduction and council crisis help may be available to working households with low income or high eligible costs.
Some energy help is automatic, but most benefits and council schemes require a claim.
Yes. Local funds are discretionary. Ask for the decision in writing if you believe important information was missed.
The end of headline payments does not mean the end of support. In 2026, help is more targeted and less visible. Check benefits, energy discounts, Council Tax help, local crisis funding and housing support separately. Acting early gives a household more options than waiting until bills or rent arrears become unmanageable.
The end of headline payments does not mean the end of support. Check benefits, energy discounts, Council Tax help and local crisis funding separately — acting early gives you more options than waiting.