|MONEY AND MENTAL ILLNESS|
Everyone should have the security of a roof over our heads and some money in our pockets, whether or not we have mental health problems.
For individuals who are affected by or who are vulnerable to mental illness, it’s especially important for them to have a home and regular income.
For individuals directly affected by severe mental illness or other mental health difficulties, often it will be difficult to secure or retain full-time paid employment leading to a need to call on the state for some form of financial support in the form of state benefits.
Claim forms and knowledge of entitlements can be difficult for anyone claiming for the first time to fully understand, and anyone experiencing or caring for someone with a mental illness should avail of the free advice provided by either their local benefits agency, Citizens Advice Bureau or a MindWise Advocate (in certain geographical areas) to gain knowledge of their benefit rights and entitlements.
Sometime, for certain individuals, mental illness can also impact on ability to manage debts, in situations where this is the case, free advice on managing debt should be sought as soon as difficulties arise by contacting an agency such as Citizens Advice Bureau. The sooner a debt issue is addressed the more successfully (and less stressfully) it can be managed.
Mental illness can also sometimes make it difficult to get certain types of insurance, however Insurance is covered by the Disability Discrimination Act 1995 (DDA). The Act makes it illegal to provide goods, facilities and services to a disabled person (including people with mental health problems) on terms which are unjustifiably different from those given to other people. Since 1990, the DDA has made it illegal to refuse insurance, or charge higher premiums, unless the company can demonstrate statistically higher risks as a direct result of a specific mental health condition.