
Featured item:
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

Benefits overpayments and in debt to the DWP – Sarah’s experience
Sarah, expert by experience
August 04, 2025Money and Mental Health respond to the Ministry of Justice’s consultation on the regulation of the debt enforcement sector
Money and Mental Health respond to the Ministry of Justice’s consultation on the regulation of the debt enforcement sector
July 18, 2025The Mirror
The Mirror talks to Research Community member Tania about her experience with the DWP
July 17, 2025Government treatment of over 1 million people who have been overpaid benefits is “reminiscent of carers’ allowance scandal”, warns Martin Lewis’s charity
July 17, 2025
Nothing personal
Exploring the psychological harm of national government debt collection.
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The Mirror
The Mirror talks to Research Community member Tania about her experience with the DWP
July 17, 2025The New Statesman
The New Statesman has featured our new research which shows the devastating impact that the government’s proposed changes to PIP would have on people with mental health issues.
June 05, 2025The Independent
Our Chief Executive, Helen Undy, has been quoted in this Independent article on the government’s plan to cut certain benefits.
March 26, 2025Financial Times
Dan Weir spoke to the Financial Times, highlighting importance of ensuring reform is not enacted at the expense of people with mental health problems.
February 18, 2025The Sun
An article in The Sun about migration from legacy benefits to Universal Credit references our research.
October 11, 2024inews
inews reports on Money and Mental Health’s contributions to the Work and Pensions committee.
May 15, 2024Big Issue
The Big Issue quoted our Interim Chief Executive Conor D’Arcy, in an article covering the Autumn Statement.
November 22, 2023
Benefits overpayments and in debt to the DWP – Sarah’s experience
Sarah, expert by experience
August 04, 2025Faceless and impersonal: what national government debt collection is getting wrong and how it can improve
Dan Weir, Research and Policy Manager, Money and Mental Health
July 23, 2025One year on from the election – has anything improved for money and mental health?
Helen Undy, Chief Executive, Money and Mental Health
July 09, 2025Held by a thread and fighting for every penny: The human cost of PIP reform
Kate Wells, Research Officer, Money and Mental Health
June 05, 2025Another hammer blow – our analysis of the government’s announced changes to PIP and Universal Credit
Conor D’Arcy, Deputy Chief Executive, Money and Mental Health
March 27, 2025Three key changes the DWP’s own research shows should be made to health and disability benefit assessments
Becca Stacey, Senior Research Officer, Money and Mental Health
October 18, 2024Work coaches and the mental health knowledge gap
Becca Stacey, Senior Research Officer, Money and Mental Health
August 28, 2024General Election 2024: The next government must protect disability benefits for people with mental health problems
Brian Semple, Head of External Affairs and Income, Money and Mental Health
July 02, 2024General Election 2024: How the next government can remove barriers to work for people with mental health problems
Rachel Fergusson, External Affairs Officer, Money and Mental Health
July 01, 2024Universal Credit: Why managed migration is failing people with mental health problems
Becca Stacey, Senior Research Officer, Money and Mental Health
May 22, 2024“No longer living, just existing”: mental health and negative budgets
Nikki Bond, Head of Gambling Harms Action Lab, Money and Mental Health
May 10, 2024Money and Mental Health respond to the Ministry of Justice’s consultation on the regulation of the debt enforcement sector
Money and Mental Health respond to the Ministry of Justice’s consultation on the regulation of the debt enforcement sector
July 18, 2025Money and Mental Health respond to the Department for Work and Pensions consultation on the ‘Pathways to Work: Reforming Benefits and Support to Get Britain Working’ Green Paper
Money and Mental Health respond to the Department for Work and Pensions consultation on the ‘Pathways to Work: Reforming Benefits and Support to Get Britain Working’ Green Paper
June 30, 2025Money and Mental Health’s submission to the Work and Pensions Committee’s second inquiry into safeguarding vulnerable claimants
Since the Work and Pensions Select Committee’s previous inquiry into safeguarding vulnerable claimants, Money and Mental Health has highlighted two new developments from the Department for Work and Pensions (DWP) that raise further concerns about the inadequacy of its processes for identifying and supporting individuals with complex needs due to mental health conditions.
December 02, 2024Money and Mental Health’s submission to the Equality and Human Rights Commission’s investigation and assessment into the Secretary of State for Work and Pensions
In our response to this investigation, we outline some of the common experiences members of our Research Community have had when requesting reasonable adjustments for health and disability benefit assessments in the period from January 2021.
August 13, 2024Money and Mental Health’s submission to the Department for Work and Pensions consultation on Modernising support for independent living: the health and disability green paper
People with mental health problems often face significant and ongoing costs due to their condition, for which PIP is crucial in helping them meet the costs of their additional needs.
July 10, 2024Money and Mental Health’s submission to the Department for Work and Pensions and the Department of Health and Social Care’s call for evidence on fit note reform
Money and Mental Health outlines why instead of making it harder for people with mental health problems to obtain fit notes, the government should focus on addressing the underlying drivers of rises in poor mental health, including financial difficulty.
July 05, 2024Money and Mental Health’s submission to the Work and Pensions Select Committee’s inquiry into Disability Employment
Money and Mental Health outlines the steps employers and the DWP should take to address the mental health employment gap.
March 27, 2024Money and Mental Health’s submission to the Public Accounts Committee’s inquiry into Progress in implementing Universal Credit
Money and Mental Health outlines the steps the DWP should take to better support people with mental health problems through the managed migration process.
February 28, 2024Money and Mental Health’s submission to the Work and Pensions Committee’s inquiry into Statutory Sick Pay
Money and Mental Health outlines how Statutory Sick Pay should be reformed, to provide people with mental health problems with a more supportive and flexible financial safety net to fall back on when unwell and off work.
December 07, 2023Money and Mental Health’s submission to the Department for Work and Pensions consultation into Work Capability Assessment: activities and descriptors
Money and Mental Health opposes the DWP’s proposals to remove the ‘Coping with Social Engagement’ and ‘Getting Around’ activities, and the reduction of points awarded for their associated descriptors. We also oppose any amendments to, or the removal of, the LCWRA Substantial Risk regulations.
October 30, 2023
Nothing personal
Exploring the psychological harm of national government debt collection.
July 17, 2025Lead shoes instead of a life ring
How people with mental health problems will be affected by proposed changes to PIP eligibility.
June 05, 2025Untapped potential
Reducing economic inactivity among people with mental health problems.
March 13, 2023A fit-for-purpose managed migration process
Safeguarding claimants with mental health problems in the move to Universal Credit.
September 12, 2022Set up to fail
How the DWP can make it easier for people to get help with Universal Credit.
May 26, 2021Closing the gap
How government and employers can close the mental health income gap
February 03, 2021Mind the Income gap
Exploring the long term factors which have lead to the mental health income gap.
September 22, 2020Income in crisis
Exploring the link between income and mental health during Covid-19.
June 16, 2020The benefits assault course
Improving access to the benefits system for people with mental health problems.
March 04, 2019Government treatment of over 1 million people who have been overpaid benefits is “reminiscent of carers’ allowance scandal”, warns Martin Lewis’s charity
July 17, 2025
New research warns that government’s PIP reforms will have a “catastrophic impact” on people’s finances and mental health, and will drive people out of the workplace
June 05, 2025
“Another hammer blow for people struggling with their mental health and finances” — Money and Mental Health response to Spring Statement
March 26, 2025
Money and Mental Health response to Government employment white paper
November 26, 2024
Money and Mental Health response to new government consultation on PIP
Money and Mental Health respond to the government’s new consultation on PIP
April 29, 2024Money and Mental Health response to government’s proposed changes to disability benefits assessments
September 06, 2023
Absurd Universal Credit flaws stop vulnerable people getting help from loved ones to manage benefits, leaving 100,000s struggling, and some risking benefits cuts
May 26, 2021
Millions with mental illness stuck in ‘low income trap’ due to long term benefits cuts and barriers to employment
September 22, 2020