COVID-19 People Support

Issued 27/03/20

Borders-specific

Community Assistance Hubs

SBC is announcing that virtual multi-agency Community Assistance Hubs are being set up this week in each locality in order to provide a co-ordinated response to communities between the Council, NHS Borders, the Third Sector and local Resilient Community Groups.

Local volunteer groups, please see 'Important contacts' page of this website

 

General support

If you are worried you might lose your job, please read the following information:

 

  • For the first time in history, the UK government is going to step in and help pay people’s wages – paying grants to support as many jobs as necessary. 

 

  • Grants will be paid to any employers who retain their staff. Any employer in the country – large, small, charitable or for profit – who promises to retain their staff, will be able to apply for a grant from HMRC to cover most of the wages of people who are not working but are kept on payroll, rather than being laid off.

 

  • Grants will cover 80 per cent of the salary of retained workers up to a total of £2,500 a month – which is above the average income. The cost of wages will be backdated to 1 March and will be open initially for at least three months – and the UK Government will extend the scheme for longer if necessary.

 

  • Employers will be free to top up the remaining 20 per cent, but this is not mandatory.

 

  • There will be no limit on the number or total value of grants paid out.

 

  • The UK Government will also cover the cost of National Insurance and pension contributions. Employer contributions for furloughed staff will be paid by the UK Government on top of 80 per cent of salary costs. This could save businesses an extra £300 a month for each employee under the scheme.

 

  • HMRC are working day and night to get the scheme up and running, and we expect the first grants to be paid within weeks.

 

 

  • If you are worried about being laid off, please make your employer aware of this information as soon as possible.

 

 

If you think you are entitled to Statutory Sick Pay (SSP), please read the following information:

 

  • You can get £94.25 per week Statutory Sick Pay (SSP) if you’re too ill to work. It’s paid by your employer for up to 28 weeks.

 

  • If you are self-isolating because of COVID-19, you can now claim SSP. This includes individuals who are caring for people self-isolating in the same household and therefore have been advised to do a household quarantine. To check your sick pay entitlement, you should talk to your employer, and visit https://www.gov.uk/statutory-sick-pay for more information.

 

  • How soon does SSP apply? The UK Government is legislating for SSP to be paid from day 1, rather than day 4, of your absence from work if you are absent from work due to sickness or need to self-isolate caused by COVID-19. Once the legislation has been passed, this will apply retrospectively from 13 March. You should talk to your employer if you are eligible for SSP and need to claim.

 

  • Do I need a sick note? Those who have COVID-19 or are advised to self-isolate are able to obtain an ‘isolation note’ at https://111.nhs.uk/isolation-note, rather than visiting a doctor. For COVID-19 cases this replaces the usual need to provide a ‘fit note’ after seven days of sickness absence. Isolation notes will be accepted by Jobcentre Plus as evidence of your inability to attend.

 

 

If you are self-employed or not eligible for Statutory Sick Pay (SSP), please read the following information:

 

  • The UK Government are launching the Self-Employed Income Support Scheme, to make sure people who work for themselves get the financial support they need. The Government will pay self-employed people across the whole UK who have been adversely affected by coronavirus a grant worth 80 per cent of their average monthly profits over the last three years, up to £2,500 a month, for three months – but this will be extended for longer if necessary.

 

  • Self-employed people who are eligible will be contacted by HMRC directly, asked to fill out a simple online form, and HMRC will pay the grant directly into their bank account. The Treasury expects people to access the scheme by the beginning of June.

 

  • The scheme will only be open to those with trading profits up to £50,000, meaning 95 per cent of people who are majority self-employed will be eligible for the scheme. HMRC will also ask people to demonstrate that the majority of their income comes from self-employment, and, to minimise fraud, only those who are already in self-employment, and who have a tax return for 2019, will be able to apply. Anyone who missed the tax filing deadline in January has 4 weeks from 26 March to submit their tax return.

 

 

  • If you are self-employed and receiving Universal Credit, the Minimum Income Floor has been suspended for 12 months. This means self-employed people can now access, in full, Universal Credit at a rate that is equivalent to Statutory Sick Pay for employees. If self-employed claimants’ work, and therefore earnings, have significantly reduced due to the impact of COVID-19 guidance on self-isolation and social distancing, and the wider economic impacts of the outbreak, their Universal Credit award will increase to reflect their lower earnings.

 

  • If you are eligible for new style Employment and Support Allowance, it will now be payable from day 1 of sickness, rather than day 8, if you have COVID-19 or are advised to self-isolate.

 

  • The UK Government have increased Universal Credit and Working Tax Credit by £1,000 a year. The Universal Credit standard allowance will increase by £86.67 per month (equivalent to £20 per week), on top of the planned annual uprating. Together these measures are estimated to benefit over 4 million of our most vulnerable households.

 

  • The UK Government have also deferred income tax self-assessment payments.  Income tax self-assessment payments for July will be deferred until the end of January 2021.

 

 

If you think you may need financial support from your local council, please read the following information:

 

 

 

 

  • The Scottish Government have indicated their intention to establish a £70 million ‘Food Fund’ to support households who may be worried about accessing food whether due to an income drop or self-isolation, including older people. We are awaiting details of how this will be accessible through local councils and charities.

 

 

If you are experiencing financial difficulties meeting your mortgage repayments, please read the following information:

 

  • The UK Government has agreed with mortgage lenders that they will offer ‘repayment holidays’ of 3 months to households in financial difficulty due to COVID-19.

 

  • This will also apply to landlords whose tenants are experiencing financial difficulties because of COVID-19.

 

  • The offer of a payment holiday can be made available to customers who are up to date with payments and not already in arrears.

 

  • Customers who are concerned about their current financial situation should contact their lender at the earliest possible opportunity to discuss if this is a suitable option for them.

 

 

If you are experiencing financial difficulties paying your rent, please read the following information:

 

  • A new law will ensure you do not face the threat of eviction for at least 6 months. New legislation will protect renters from being evicted if they fall into rent arrears as a result of coronavirus. This will extend the minimum period of arrears required to evict from three months in a row to six months in a row.

 

  • The UK Government have announced that from this April, all new and existing private renters claiming Universal Credit and Housing Benefit will benefit from additional housing support. All Local Housing Allowance rates will be uplifted - worth an extra £14 a week on average for existing claimants and any additional Universal Credit claimants who rent in the private sector.

 

  • If you are experiencing issues paying your rent, please tell your landlord as soon as you can. We need landlords to help their tenants immediately as part of an overall society response. We cannot have people being made or at risk of being made homeless at this difficult time.

 

 

If you are experiencing financial difficulties paying your energy bill, please read the following information:

 

  • Customers who are unable to top up their meter or can’t afford to pay their bills should get support from their supplier. You are advised to contact your energy supplier immediately to discuss how you can be kept on supply.

 

  • If you are a pre-payment or pay as you go customer who cannot leave your home, your provider should help you stay supplied. This could mean someone else can be sent to top up your card, a pre-loaded gas or electricity card is sent in the post, or funds are added to your credit.

 

  • Disconnection of credit meters will be completely suspended. If you are in financial distress, you may also be able to have your debts or bill payments reassessed, paused or reduced where needed.

 

 

If you are experiencing difficulties paying back personal loans or credit card bills, please read the following information:

 

  • The Financial Conduct Authority (FCA) have called on lenders to use flexibility built into their rules to support consumers, taking into account customers’ individual circumstances. Many major lenders have already made statements to this effect.

 

  • If you are experiencing difficulties paying back loans or credit card bills because of COVID-19, you should talk to your lender.

 

  • If you agree a payment holiday with your lender, they should record these in such a way that will not impact on your credit score.

 

 

If you are concerned about facing insolvency, please read the following information:

 

  • Scotland’s insolvency service, Accountant in Bankruptcy (AiB), has suspended sale and eviction from property in ongoing bankruptcy administrations until further notice.

 

  • The evidential requirements for individuals seeking debt relief through bankruptcy have been amended to allow faster access, providing protection from debt enforcement.

 

  • AiB is reducing the need for face to face contact, allowing access to debt relief to be maintained by accepting electronic signatures on protected trust deeds and other documentation.

 

  • If you have an ongoing debt payment plan but are worried about how you will be able to pay, AiB will not be revoking these programmes.

 

 

 

If you are worried about your current benefit claim, please read the following:

 

  • The UK Government are suspending all benefit reviews and reassessments. This includes if you are claiming any of Universal Credit, Employment Support Allowance, Personal Independence Payment, Disability Living Allowance, Attendance Allowance or Industrial Injuries Disablement Benefit. This measure will allow vulnerable people to be assured about the continuity of their benefits during the coronavirus outbreak and to ensure resources are focused on helping new claimants access support.

 

  • The UK Government is suspending face-to-face assessments for all sickness and disability benefits for the next 3 months. This move is being taken as a precautionary measure to protect vulnerable people from unnecessary risk of exposure to coronavirus.

 

 

If you require further financial support, please read the following information:

 

 

 

If you are a foreign national concerned about your visa expiring while in the UK, please read the following information:

 

  • The UK Government have extended the visas of foreign nationals who cannot leave the UK due to travel restrictions or self-isolation, until 31 May. This extension will apply to anyone whose visa expired after the 24 January but were unable to return home as a result of coronavirus.

 

  • This scheme will be kept under review in case it requires extending.

 

 

 

If you are concerned about an older person in need of support, please read the following information:

 

  • Age Scotland have a free, confidential helpline which provides information, friendship and advice on 0800 12 44 222. It should be available Monday to Friday, from 9am to 5pm.

 

  • Practical advice for helping older relatives and friends through this difficult time is available at www.age.scot/5waystohelp.

 

 

If you are a veteran, please read the following information:

 

 

 

If you are pregnant and worried about whether you should go to work, please read the following information:

 

 

 

If you are concerned about your car’s MOT, please read the following information:

 

  • Generally, people should stay at home and avoid travel, only leaving their home for essential purposes.

 

  • Car, motorcycle and van owners will be granted a 6-month exemption from MOT testing from 30 March 2020. This will allow people to carry on with essential travel. During this period vehicles must still be kept in a roadworthy condition.

 

  • What if my MOT is currently due but I’m in self-isolation? The Department of Transport is working with insurers and the police to ensure people will not be negatively affected as a result of self-isolating.