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Set up to fail

100,000s of people experiencing high level mental distress may struggle to get the support they need from loved ones to manage their Universal Credit account and avoid sanctions. This is due to needless flaws in the system which make it too hard for people to nominate a family member or friend to help them with their claim.

We’re calling on the government to ensure that everyone can get the help they need with Universal Credit and that no-one is cut-off during the cost of living crisis.

Find out more about our campaign here.

“Struggling financially while on benefits… put a huge amount of strain on me. Life was just so hard. All the time.”

Expert by experience

LatestBest practiceEventsNewsBlogsPublicationsPress Releases
Two people, sat at home on a sofa looking at a tablet. One could be the other's carer supporting with finances.Supporting vulnerable customers

Creating systems that work for the 5 million carers across the UK

Leia Ben Naceur, Research Community Officer, Money and Mental Health

June 08, 2026
Work

Submission to the Young People and Work inquiry (Milburn review)

Money and Mental Health’s response to the Milburn review on young people’s health and employment. The submission calls for improved mental health training in employment services, a ‘right to try’ built into the benefits system, employer-led occupational health support, greater flexibility at work, and a Job Guarantee scheme.

February 06, 2026
Press Releases

Government action needed to end postcode lottery causing vulnerable people to miss out on “life saving” support to boost income

January 28, 2026

Benefits

The Mirror

The Mirror talks to Research Community member Tania about her experience with the DWP

July 17, 2025
Debt

Nothing personal

Exploring the psychological harm of national government debt collection.

July 17, 2025

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Celebrating our achievements in 2025 and looking ahead to the coming year.

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Stuck on repeat

Making it easier for people with mental health problems to share support needs across essential services providers.

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