When life moves towards its final stage, the most important thing a person needs is peace, the support of his family and dignity. In this difficult time, the role of the government should be that of a sensitive and supportive partner. The Universal Credit scheme of the United Kingdom (UK) embodies this sentiment. Especially when it comes to those who are suffering from incurable and serious diseases, this scheme becomes a sigh of relief.
This article is to give complete information about this special support system – so that every person in need and their family can know what kind of help they can get, that too without any additional mental burden.
Universal Credit and special rules for terminal diseases
First of all, it is important to know that Universal Credit is a government support scheme that provides financial support to people with unemployment, low income or serious health problems. But when a person is suffering from a terminal illness – that is, an illness from which death is likely in the next 12 months – then some Special Rules for Terminal Illness (SRTI) apply to him.
Earlier these rules were applicable only to those whose death was considered likely within 6 months, but from 2022 this rule was amended. Now if the doctor says that the death of a patient is likely in the next 12 months, then he becomes eligible for this special assistance.
What is in this special assistance?
Fast process and quick payment:
As soon as the SR1 form is submitted (this form is filled by a doctor or nurse), the application is immediately prioritized.
- The three-month wait is over.
- The patient starts receiving additional payment from the very beginning.
More financial assistance:
Such applicants get the Limited Capability for Work and Work-Related Activity (LCWRA) element directly.
For the financial year 2024-25, this amount is £423.27 per month, which is in addition to the standard Universal Credit allowance.
No Work Assessment:
The patient does not have to undergo any Work Capability Assessment (WCA).
There is no need to look for a job or make any Claimant Commitment.
SR1 Form — Your biggest key:
It is a medical report filled by a doctor or specialist and states that the person is in a critical condition and death is likely within 12 months.
A sensitive change — How was this all possible?
This change was not a coincidence. It is the result of hard work of people who had been fighting for years. Organizations like Marie Curie and Motor Neurone Disease Association together put pressure on the government that setting a deadline for death is not only impractical but also inhuman.
This change has brought relief to thousands of people — now they can spend the remaining days of their lives with dignity without any humiliating assessment.
How to apply?
Step 1: Get an SR1 form
Contact your doctor, cancer specialist or hospice nurse and ask for an SR1 form. The doctor can send this form directly to the DWP (Department for Work and Pensions) or give it to the patient.
Step 2: Submit a claim
You can apply in two ways:
On the internet: Universal Credit can be claimed via the internet by visiting the GOV.UK site and stating that you need to use the Special Rules.
Letter: Write to the Universal Credit helpline by telephone (0800 328 5644), and tell them you have a terminal illness.
Step 3 What happens if you are already on Universal Credit?
If you are already receiving Universal Credit and have now been diagnosed with a terminal illness, you do not need to make a new application. Simply go to your account and write a journal message to say SR1 has been sent. The change will happen automatically.
This support is not just financial — it’s mental support
The end of life is a very sensitive time for anyone. The family is already mentally and emotionally broken, so if the government system becomes a support, then this relief becomes invaluable.
These rules show how a developed society stands by its most needy citizens.
It’s not just the amount of allowance — it’s a testament to trust, compassion and dignity.
Where to get help?
If you or someone in your family needs help, the following organisations are ready to help you:
Macmillan Cancer Support – Advice and benefits information for patients battling cancer.
Marie Curie – Specialising in end-of-life care and emotional support for families.
Citizens Advice – help with the application process and legal information about claims.
Conclusion
This special help offered by Universal Credit is a true example of how when government and society work together, they can make even the most difficult times in life a little easier. A person with a terminal illness and their family are already fighting a huge battle — they shouldn’t be bogged down in pointless paperwork. A quick and dignified process through the SR1 form gives them a sense of peace, security and dignity. If you or a loved one is on this path, know this — you’re not alone. The government and many organisations are with you every step of the way.
FAQs
Q1. What is Universal Credit?
A: Universal Credit is a UK government financial support program for individuals who are on low income or out of work. It also provides additional assistance to people with disabilities and those living with terminal illnesses.
Q2. What is meant by a terminal illness in the context of Universal Credit?
A: A terminal illness refers to a progressive condition where a doctor reasonably expects the patient to pass away within the next 12 months.
Q3. What special support does Universal Credit offer to terminally ill individuals?
A: People with a terminal illness can receive fast-tracked claims, the highest rate of health-related financial support (LCWRA), exemption from work search requirements, and no medical assessments.
Q4. What is the LCWRA element in Universal Credit?
A: LCWRA stands for Limited Capability for Work and Work-Related Activity. It’s a monthly financial addition of £423.27 (as of 2024/25) for eligible claimants with serious health conditions, including terminal illness.
Q5. Is there a waiting period for extra payments under terminal illness rules?
A: No. Under the Special Rules for Terminal Illness (SRTI), the usual 3-month waiting period is waived, and payments begin immediately after the claim is approved.
