{
  "$schema": "https://sorteduk.uk/data/schema/uk-money-routes.json",
  "name": "SortedUK UK Money Routes Map",
  "description": "Every UK route to money citizens may be owed but rarely claim — benefits, grants, refunds, social tariffs, council schemes, tax reliefs, compensation. Sourced to GOV.UK + HMRC + DWP + NHS + Ofgem + Ofwat + Policy in Practice.",
  "license": "CC-BY-4.0",
  "attribution": "Data: SortedUK (https://sorteduk.uk)",
  "last_updated": "2026-06-04",
  "version": "1.0.0",
  "source_url": "https://sorteduk.uk/uk-money-map",
  "uk_total_unclaimed_annual_gbp": 24000000000,
  "uk_total_source": "Policy in Practice 2025 — annual unclaimed UK benefits + means-tested support",
  "count": 30,
  "routes": [
    {
      "id": "pension-credit",
      "name": "Pension Credit",
      "category": "benefits",
      "audience": ["pensioners-66-plus", "low-income"],
      "annual_value_low_gbp": 4200,
      "annual_value_high_gbp": 4500,
      "value_basis": "average top-up DWP",
      "who_administers": "DWP",
      "country": "UK",
      "claim_url": "https://www.gov.uk/pension-credit",
      "unlocks": ["warm-home-discount", "free-tv-licence-75", "council-tax-reduction", "free-nhs-dental", "cold-weather-payment"],
      "uk_underclaim_estimate": "760,000+ eligible UK pensioners not claiming",
      "verified": "2026-06-04"
    },
    {
      "id": "council-tax-reduction",
      "name": "Council Tax Reduction",
      "category": "council",
      "audience": ["low-income"],
      "annual_value_low_gbp": 200,
      "annual_value_high_gbp": 1800,
      "value_basis": "varies by council scheme",
      "who_administers": "Local Council",
      "country": "UK",
      "claim_url": "https://www.gov.uk/apply-council-tax-reduction",
      "verified": "2026-06-04"
    },
    {
      "id": "council-tax-band-challenge",
      "name": "Council Tax band challenge",
      "category": "council",
      "audience": ["homeowners", "renters"],
      "annual_value_low_gbp": 300,
      "annual_value_high_gbp": 1500,
      "value_basis": "VOA 1991 / 2003 valuation review",
      "who_administers": "VOA (England + Wales)",
      "country": "England, Wales",
      "claim_url": "https://www.gov.uk/challenge-council-tax-band",
      "uk_underclaim_estimate": "~1 in 6 UK homes in wrong band",
      "verified": "2026-06-04"
    },
    {
      "id": "single-person-discount",
      "name": "Single Person Council Tax Discount (25%)",
      "category": "council",
      "audience": ["sole-occupants"],
      "annual_value_low_gbp": 400,
      "annual_value_high_gbp": 600,
      "value_basis": "25% off Council Tax bill",
      "who_administers": "Local Council",
      "country": "UK",
      "claim_url": "https://www.gov.uk/council-tax/discounts-for-single-people",
      "verified": "2026-06-04"
    },
    {
      "id": "marriage-allowance",
      "name": "Marriage Allowance",
      "category": "tax-relief",
      "audience": ["married", "civil-partnership"],
      "annual_value_low_gbp": 252,
      "annual_value_high_gbp": 252,
      "value_basis": "Transfer £1,260 of personal allowance",
      "extra_backdated_max_gbp": 1008,
      "extra_backdated_note": "Backdatable 4 years (£252 × 4)",
      "who_administers": "HMRC",
      "country": "UK",
      "claim_url": "https://www.gov.uk/marriage-allowance",
      "verified": "2026-06-04"
    },
    {
      "id": "attendance-allowance",
      "name": "Attendance Allowance",
      "category": "benefits",
      "audience": ["pensioners-66-plus", "disability"],
      "annual_value_low_gbp": 3843,
      "annual_value_high_gbp": 5741,
      "value_basis": "Lower £73.90/wk OR higher £110.40/wk (2025/26 rates)",
      "who_administers": "DWP",
      "country": "UK",
      "claim_url": "https://www.gov.uk/attendance-allowance",
      "uk_underclaim_estimate": "700,000+ eligible UK pensioners not claiming",
      "verified": "2026-06-04"
    },
    {
      "id": "carers-allowance",
      "name": "Carer's Allowance",
      "category": "benefits",
      "audience": ["unpaid-carers"],
      "annual_value_low_gbp": 4331,
      "annual_value_high_gbp": 4331,
      "value_basis": "£83.30/wk (2025/26)",
      "who_administers": "DWP",
      "country": "UK",
      "claim_url": "https://www.gov.uk/carers-allowance",
      "uk_underclaim_estimate": "~400,000 eligible UK carers not claiming",
      "verified": "2026-06-04"
    },
    {
      "id": "pip",
      "name": "Personal Independence Payment (PIP)",
      "category": "benefits",
      "audience": ["working-age-16-65", "disability"],
      "annual_value_low_gbp": 1494,
      "annual_value_high_gbp": 9584,
      "value_basis": "Daily living + mobility components (2025/26 rates)",
      "who_administers": "DWP",
      "country": "UK",
      "claim_url": "https://www.gov.uk/pip",
      "verified": "2026-06-04"
    },
    {
      "id": "uc-housing",
      "name": "Universal Credit Housing Element",
      "category": "benefits",
      "audience": ["renters", "low-income"],
      "annual_value_low_gbp": 3000,
      "annual_value_high_gbp": 18000,
      "value_basis": "Local Housing Allowance varies by area + bedrooms",
      "who_administers": "DWP",
      "country": "UK",
      "claim_url": "https://www.gov.uk/housing-benefit",
      "verified": "2026-06-04"
    },
    {
      "id": "tax-free-childcare",
      "name": "Tax-Free Childcare",
      "category": "family",
      "audience": ["working-parents"],
      "annual_value_low_gbp": 500,
      "annual_value_high_gbp": 2000,
      "value_basis": "Government adds £2 for every £8 saved, max £2k/yr per child (£4k disabled)",
      "who_administers": "HMRC",
      "country": "UK",
      "claim_url": "https://www.gov.uk/tax-free-childcare",
      "uk_underclaim_estimate": "~3M eligible UK families, only ~600k using",
      "verified": "2026-06-04"
    },
    {
      "id": "30-free-hours",
      "name": "30 free childcare hours (3-4 year olds)",
      "category": "family",
      "audience": ["working-parents"],
      "annual_value_low_gbp": 4000,
      "annual_value_high_gbp": 7000,
      "value_basis": "30 hrs × 38 weeks × £5-£8/hr saved",
      "who_administers": "DfE + Local Council",
      "country": "England",
      "claim_url": "https://www.gov.uk/30-hours-free-childcare",
      "verified": "2026-06-04"
    },
    {
      "id": "healthy-start",
      "name": "Healthy Start vouchers",
      "category": "family",
      "audience": ["low-income", "pregnant", "under-4-children"],
      "annual_value_low_gbp": 220,
      "annual_value_high_gbp": 340,
      "value_basis": "£4.25/wk per child under 4, plus £8.50/wk pregnant or with baby",
      "who_administers": "NHS BSA",
      "country": "England, Wales, NI",
      "claim_url": "https://www.healthystart.nhs.uk",
      "uk_underclaim_estimate": "~600,000 eligible UK families",
      "verified": "2026-06-04"
    },
    {
      "id": "warm-home-discount",
      "name": "Warm Home Discount",
      "category": "energy",
      "audience": ["low-income", "pensioners"],
      "annual_value_low_gbp": 150,
      "annual_value_high_gbp": 150,
      "value_basis": "£150 winter electricity credit",
      "who_administers": "DESNZ + energy suppliers",
      "country": "England, Wales, Scotland",
      "claim_url": "https://www.gov.uk/the-warm-home-discount-scheme",
      "verified": "2026-06-04"
    },
    {
      "id": "water-social-tariff",
      "name": "Water social tariff",
      "category": "bills",
      "audience": ["low-income"],
      "annual_value_low_gbp": 150,
      "annual_value_high_gbp": 400,
      "value_basis": "Discount on water bill varies by supplier",
      "who_administers": "Water companies (regulated by Ofwat)",
      "country": "UK",
      "claim_url": "https://www.ccwater.org.uk/save-money-and-water/financialsupport/",
      "uk_underclaim_estimate": "£1.6bn unclaimed UK water support",
      "verified": "2026-06-04"
    },
    {
      "id": "broadband-social-tariff",
      "name": "Broadband social tariff",
      "category": "bills",
      "audience": ["low-income", "benefits-recipients"],
      "annual_value_low_gbp": 200,
      "annual_value_high_gbp": 300,
      "value_basis": "£12-£25/month vs typical £35-£45/month",
      "who_administers": "ISPs (regulated by Ofcom)",
      "country": "UK",
      "claim_url": "https://www.ofcom.org.uk/phones-and-broadband/saving-money/social-tariffs/",
      "verified": "2026-06-04"
    },
    {
      "id": "section-75",
      "name": "Section 75 Consumer Credit Act claim",
      "category": "compensation",
      "audience": ["credit-card-holders"],
      "annual_value_low_gbp": 100,
      "annual_value_high_gbp": 30000,
      "value_basis": "Joint + several liability £100-£30k credit card purchases",
      "who_administers": "Card issuers + FOS",
      "country": "UK",
      "statute": "Consumer Credit Act 1974 s.75",
      "claim_url": "https://www.financial-ombudsman.org.uk",
      "verified": "2026-06-04"
    },
    {
      "id": "uk261-flight-delay",
      "name": "UK261 flight delay compensation",
      "category": "compensation",
      "audience": ["travellers"],
      "annual_value_low_gbp": 220,
      "annual_value_high_gbp": 520,
      "value_basis": "£220 (under 1,500km), £350, £520 (long-haul)",
      "who_administers": "Airlines + CAA + AviationADR",
      "country": "UK",
      "statute": "UK261 (post-Brexit version of EC 261/2004)",
      "claim_url": "https://www.caa.co.uk/passengers/resolving-travel-problems/",
      "verified": "2026-06-04"
    },
    {
      "id": "train-delay-repay",
      "name": "Train Delay Repay (15-minute scheme)",
      "category": "compensation",
      "audience": ["rail-passengers"],
      "annual_value_low_gbp": 0,
      "annual_value_high_gbp": 1000,
      "value_basis": "25%, 50% or 100% of ticket cost depending on delay",
      "who_administers": "Train operators (regulated by ORR)",
      "country": "UK",
      "claim_url": "https://www.nationalrail.co.uk/travel-information/delays-disruption/",
      "verified": "2026-06-04"
    },
    {
      "id": "lost-pensions",
      "name": "Lost UK pensions",
      "category": "hidden-money",
      "audience": ["job-changers"],
      "annual_value_low_gbp": 0,
      "annual_value_high_gbp": 9500,
      "value_basis": "Avg £9,500 lost per UK adult per ABI 2023",
      "who_administers": "Pension Tracing Service + previous employers",
      "country": "UK",
      "claim_url": "https://www.gov.uk/find-pension-contact-details",
      "verified": "2026-06-04"
    },
    {
      "id": "dormant-bank-accounts",
      "name": "Dormant UK bank accounts",
      "category": "hidden-money",
      "audience": ["everyone"],
      "annual_value_low_gbp": 0,
      "annual_value_high_gbp": 10000,
      "value_basis": "Forgotten accounts at closed/merged UK banks",
      "who_administers": "UK Finance + My Lost Account",
      "country": "UK",
      "claim_url": "https://www.mylostaccount.org.uk",
      "verified": "2026-06-04"
    },
    {
      "id": "child-trust-funds",
      "name": "Child Trust Funds (born 2002-2011)",
      "category": "hidden-money",
      "audience": ["born-2002-2011"],
      "annual_value_low_gbp": 1500,
      "annual_value_high_gbp": 3000,
      "value_basis": "Avg £2,200 at 18 per HMRC",
      "who_administers": "HMRC + CTF providers",
      "country": "UK",
      "claim_url": "https://www.gov.uk/child-trust-funds/find-a-child-trust-fund",
      "verified": "2026-06-04"
    },
    {
      "id": "household-support-fund",
      "name": "Household Support Fund",
      "category": "crisis",
      "audience": ["low-income", "crisis"],
      "annual_value_low_gbp": 100,
      "annual_value_high_gbp": 500,
      "value_basis": "One-off council crisis support, varies by council",
      "who_administers": "Local Council",
      "country": "England (Sept 2025 - Mar 2026 round)",
      "claim_url": "https://www.gov.uk/cost-of-living/find-out-what-support-is-available",
      "verified": "2026-06-04"
    },
    {
      "id": "disabled-facilities-grant",
      "name": "Disabled Facilities Grant",
      "category": "housing",
      "audience": ["disability", "homeowners", "renters"],
      "annual_value_low_gbp": 1000,
      "annual_value_high_gbp": 30000,
      "value_basis": "Up to £30k (England), £36k (Wales), £25k (NI)",
      "who_administers": "Local Council",
      "country": "England, Wales, NI",
      "claim_url": "https://www.gov.uk/disabled-facilities-grants",
      "verified": "2026-06-04"
    },
    {
      "id": "uc-childcare-element",
      "name": "Universal Credit Childcare Element",
      "category": "family",
      "audience": ["uc-claimants", "working-parents"],
      "annual_value_low_gbp": 0,
      "annual_value_high_gbp": 12372,
      "value_basis": "85% of childcare costs, max £1,031/mo per child",
      "who_administers": "DWP",
      "country": "UK",
      "claim_url": "https://www.gov.uk/universal-credit/eligibility",
      "verified": "2026-06-04"
    },
    {
      "id": "employment-allowance",
      "name": "Employment Allowance",
      "category": "business",
      "audience": ["small-employers"],
      "annual_value_low_gbp": 5000,
      "annual_value_high_gbp": 5000,
      "value_basis": "£5,000 off employer NI bill",
      "who_administers": "HMRC",
      "country": "UK",
      "claim_url": "https://www.gov.uk/claim-employment-allowance",
      "verified": "2026-06-04"
    },
    {
      "id": "rd-tax-credits",
      "name": "R&D Tax Credits",
      "category": "business",
      "audience": ["limited-companies-doing-rd"],
      "annual_value_low_gbp": 5000,
      "annual_value_high_gbp": 100000,
      "value_basis": "Merged RDEC 20% from April 2024, ERIS 27% R&D-intensive SMEs",
      "who_administers": "HMRC",
      "country": "UK",
      "claim_url": "https://www.gov.uk/guidance/corporation-tax-research-and-development-rd-relief",
      "verified": "2026-06-04"
    },
    {
      "id": "business-rates-relief",
      "name": "Business Rates Relief (SBRR + RHL)",
      "category": "business",
      "audience": ["small-businesses", "retail-hospitality-leisure"],
      "annual_value_low_gbp": 1000,
      "annual_value_high_gbp": 50000,
      "value_basis": "100% under £12k RV, taper to £15k, RHL 40% in England 2025/26",
      "who_administers": "Local Council",
      "country": "UK (varies by nation)",
      "claim_url": "https://www.gov.uk/apply-for-business-rate-relief",
      "verified": "2026-06-04"
    },
    {
      "id": "free-tv-licence-75",
      "name": "Free TV Licence at 75+ (on Pension Credit)",
      "category": "benefits-extras",
      "audience": ["75-plus-on-pension-credit"],
      "annual_value_low_gbp": 169,
      "annual_value_high_gbp": 170,
      "value_basis": "£169.50/yr saved",
      "who_administers": "BBC + DWP",
      "country": "UK",
      "claim_url": "https://www.tvlicensing.co.uk/check-if-you-need-one/for-your-home/aged-74-and-over-aud2",
      "verified": "2026-06-04"
    },
    {
      "id": "bereavement-support-payment",
      "name": "Bereavement Support Payment",
      "category": "crisis",
      "audience": ["bereaved-under-state-pension-age"],
      "annual_value_low_gbp": 3500,
      "annual_value_high_gbp": 9800,
      "value_basis": "£3,500 lump sum + £350/mo for 18 months (higher rate)",
      "who_administers": "DWP",
      "country": "UK",
      "claim_url": "https://www.gov.uk/bereavement-support-payment",
      "verified": "2026-06-04"
    },
    {
      "id": "funeral-expenses-payment",
      "name": "Funeral Expenses Payment",
      "category": "crisis",
      "audience": ["bereaved-on-low-income"],
      "annual_value_low_gbp": 1000,
      "annual_value_high_gbp": 3000,
      "value_basis": "£1,000 statutory + burial/cremation fees + transport",
      "who_administers": "DWP",
      "country": "England, Wales, NI",
      "claim_url": "https://www.gov.uk/funeral-payments",
      "verified": "2026-06-04"
    }
  ]
}