As the cost of living crisis continues in the UK, millions of households rely on benefits from the Department for Work and Pensions (DWP) to help cover essential living expenses.
With inflation standing at 6.7% in September 2024, many are feeling the pressure from rising prices. Benefits like Personal Independence Payment (PIP) and Universal Credit are vital lifelines for those struggling to make ends meet.
However, around £23 billion in benefits go unclaimed each year due to a lack of awareness or stigma around government assistance. Understanding October 2024 payment dates, eligibility, and what to do if payments are delayed can help beneficiaries access the support they are entitled to.
DWP Payment Schedule for October 2024
The date your benefit is paid depends on the type of benefit and when you initially received your payment.
If the payment date falls on a weekend or bank holiday, it’s typically issued on the last working day before the due date.
Benefit Payment Frequency:
| Benefit Type | Payment Frequency |
|---|---|
| Universal Credit | Monthly |
| Attendance Allowance | Every four weeks |
| Disability Living Allowance | Every four weeks |
| Pension Credit | Every four weeks |
| Personal Independence Payment (PIP) | Every four weeks |
| State Pension | Every four weeks |
| Carer’s Allowance | Weekly or every four weeks |
| Tax Credits (HMRC) | Weekly or every four weeks |
| Child Benefit | Weekly or every four weeks |
| Maternity Allowance | Every two or four weeks |
State Pension Payment Dates
State Pension payment dates are based on the last two digits of your National Insurance (NI) number:
| NI Number Ending | Payment Day |
|---|---|
| 00 to 19 | Monday |
| 20 to 39 | Tuesday |
| 40 to 59 | Wednesday |
| 60 to 79 | Thursday |
| 80 to 99 | Friday |
Checking Your Benefit Eligibility
To check your eligibility for benefits like Universal Credit, Disability Living Allowance, or Personal Independence Payment (PIP), you can:
- Consult Citizens Advice: They provide detailed guidance on how to apply for benefits and can assist in understanding your eligibility.
- Use the Government’s Help for Households Website: This resource offers comprehensive information on support options, including energy and housing assistance.
What to Do If Your Benefit Payment Is Missing
If your expected payment hasn’t arrived, follow these steps:
1. Check Your Payment Date
Verify your payment schedule on the award notice. Payments usually arrive on the same day each week or month. If the payment falls on a weekend or bank holiday, it’s generally made the last working day before.
2. Confirm with Your Bank
Check with your bank to see if there’s a pending payment. DWP payments use the Bankers’ Automated Clearing Services (BACS) system, which usually deposits funds early in the morning.
3. Contact the Relevant DWP Office
If the payment date is correct and your bank has no pending transactions, contact the DWP office that handles your benefit. Examples include:
- Universal Credit: Contact the helpline at 0800 328 5644 or use your online account.
- Personal Independence Payment (PIP): Call the enquiry line at 0800 121 4433.
- Tax Credits: For tax credits and other HMRC-managed benefits, contact HMRC directly.
When calling, have your National Insurance number, bank details, and recent correspondence ready to help expedite the process.
4. Seek Additional Support
If your issue persists, consider reaching out to Citizens Advice or a welfare rights advisor. They can help you navigate the system, resolve issues, and ensure you receive your payments.
Changes to PIP and Disability Benefit Assessments
The Labour government has not confirmed whether it will proceed with proposed reforms to PIP and other disability benefits. Previous government suggestions included:
- Replacing regular PIP payments with one-off grants or vouchers.
- Adjusting PIP eligibility criteria.
- Reforming or removing the PIP assessment process.
Labour has indicated they will consult with disabled individuals and charities before making any changes, with the goal of ensuring a fairer system.
Winter Fuel Payment Changes
From winter 2024, the Winter Fuel Payment will only be available to those on Pension Credit or other means-tested benefits. Previously, all state pensioners were eligible.
How to Ensure You Receive the Winter Fuel Payment:
- Pension Credit Eligibility: To qualify, you must be on a low income, live in England, Scotland, or Wales, and have reached state pension age.
- How to Apply: You can apply for Pension Credit online up to four months before reaching state pension age.
- Low Uptake: Only 63% of those eligible claim Pension Credit, meaning up to 880,000 older people could miss out on the Winter Fuel Payment.
As inflation continues to strain household budgets, it’s more important than ever to claim the financial support available to you. With over £23 billion in unclaimed benefits each year, understanding your eligibility and payment schedule can make a significant difference in your financial well-being.
If you believe you may be eligible for additional support, use resources like Citizens Advice or benefits calculators to maximize the assistance you receive.
By staying informed about payment dates, eligibility, and what to do if issues arise, you can ensure that you receive the financial support you need to navigate the cost of living crisis.
FAQs
When are DWP payments made in October 2024?
Payment dates depend on the benefit type and your initial payment date. If your date falls on a weekend or holiday, payment will typically be made the last working day before.
What should I do if my payment is delayed?
Check your payment date, confirm with your bank, and contact the relevant DWP office if the payment is still missing.
How are state pension payments scheduled?
State pensions are paid based on the last two digits of your National Insurance number, with payments made Monday through Friday.
Who is eligible for the Winter Fuel Payment in 2024?
Only those on Pension Credit or other means-tested benefits will qualify for the Winter Fuel Payment starting in 2024.
How can I check my eligibility for benefits?
Use Citizens Advice or the government’s website to check your eligibility for various benefits, including Universal Credit, PIP, and others.
