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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.”

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A picture of a man on the phone, looking concernedIn the news

The 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, 2025
Benefits

Held by a thread and fighting for every penny: The human cost of PIP reform

Kate Wells, Research Officer, Money and Mental Health

June 05, 2025
Publications

Lead shoes instead of a life ring

How people with mental health problems will be affected by proposed changes to PIP eligibility.

June 05, 2025
Benefits

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

Policy positions

Money 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, 2024

Latest publications

Lead shoes instead of a life ring

How people with mental health problems will be affected by proposed changes to PIP eligibility.

Connection Lost

Understanding the psychological harm of utilities debt collection and disconnection.

Power to help

Exploring the accessibility of energy debt support for people experiencing mental health problems.

Shining a light

Exploring the role of financial services in tackling gambling harms.

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