A number of changes have been introduced under the government’s Welfare Reform programme, including the replacement of a number of benefits.

Bereavement benefits provide support with meeting the costs related to the death of a close relative or friend.

Carer’s benefits are for the carer in recognition of their caring role and the impact this has on their lives. The person who is being cared for may be entitled to disability benefits.

Disability benefits are designed to support disabled people with extra costs arising from their disability. As these are not income-replacement benefits they are not means-tested.

The Finance Support Service provides support to anyone living in Northern Ireland that needs short-term financial help.

You may be able to get help with certain housing costs such as rent, rates, and mortgage interest payments.

There are certain benefits that you can claim if you are unemployed, this includes if you are unable to work because of illness or disability.

The welfare system is different for those who have reached State Pension age and there are certain benefits that are exclusively available to retired or older people.

Tax Credits are means-tested benefits for workers or families on a low income. They are administered and paid by Her Majesty’s Revenue and Customs (HMRC).

Universal Credit is a payment for people over 18 but under State Pension age who are on a low income or out of work.