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Whether you can get benefits if you are a student with a disability depends on various factors including your age, the level of the course, how long you have been disabled, how your disability affects you, and what other income and benefits you have. There are a number of benefits that can be paid to a student who is ill or disabled. Some of these have special rules for students.
This is an overview of the benefits that disabled students can claim. For further details of the rules for each benefit, please see our Benefits for Students in Scotland Handbook.
The main benefit for someone who is ill or disabled is now universal credit. Some people may still get income-related and / or contributory employment and support allowance, together with housing benefit to help with rent. In addition, adult disability payment (ADP), personal independence payment (PIP) or disability living allowance (DLA) can be paid to help with the extra costs of disability. Students who have been working recently can make new claims for contributory employment and support allowance (ESA) (sometimes called 'new-style' ESA).
Note that most new claims are for universal credit, rather than the ‘old’ benefits (income-related ESA, housing benefit). See below for an exception.
Universal credit (UC) is due to replace older means-tested benefits by the end of 2025. If you need to make a new claim, this must normally be UC, instead of income-related ESA and housing benefit. There is an exception that allows you to claim housing benefit for your rent if you live in certain types of supported or temporary accommodation (you may still need to claim universal credit as well for your living costs).
You are a full-time student (‘receiving education’) for UC if you are:
If you are an ill/disabled student, and ‘receiving education’ for UC, you are eligible for UC if you have a decision that you have limited capability for work before your course starts, and you also get ADP, PIP or DLA. Limited capability for work is assessed by the Department for Work and Pensions (DWP).
If you have not already been assessed as having limited capability for work, you can claim (new-style) contributory ESA. You may not receive any ESA (unless you have paid enough national insurance (NI) contributions), but you will be assessed for limited capability for work. Once you have been assessed as having limited capability for work, and have left education, or are between courses of education (and are not a qualifying young person), you can claim UC.
If you are a full-time further education student over 19 (and are not a qualifying young person), and you are not awarded a bursary maintenance allowance, and your work-related requirements are not incompatible with your course, then you do not count as ‘receiving education’ for UC, and can claim UC. This may allow you to get UC more easily than going through the process in the paragraph above, particularly if your disability or illness means you are not expected to look for work.
If you are a part-time student, and can meet any work-related requirements you are expected to do while on your course, then you can claim or continue to get UC. If it is decided that you cannot meet your work-related requirements on your course then you are treated as ‘receiving education’ for UC, and therefore the full-time student rules for UC apply.
You count as a qualifying young person if you are under 19 and accepted or enrolled on a further education course which is more than 12 hours a week. If you are aged 19, but were under 19 when you were accepted, enrolled on or started such a course, you are also a qualifying young person. You stop being a qualifying young person after the 31st of August following your 19th birthday.
Lewis is 26 and has mental health problems. He has not paid enough NI contributions to get contributory ESA, nor does he get ADP, PIP or DLA. He is getting UC, but has not been assessed as having limited capability for work. He starts a full-time advanced course of study. His UC stops because he does not get ADP, PIP or DLA, and does not have limited capability for work. He can reclaim UC when his course ends as he is no longer in education then.
Kayleigh is 21 and starts a full-time non-advanced course. She gets ADP. She is not awarded a bursary maintenance allowance. She claims UC and her work coach agrees she should not have any work-related requirements due to her disability. Therefore she does not count as a full-time student and can get UC while on her course.
Employment and support allowance (ESA) is for people who are ill or disabled and have ‘limited capability for work’. There are two types of ESA: contributory and income-related. It is possible to receive one or both types of ESA. Contributory ESA is for people who have paid national insurance (NI) contributions. Income-related ESA is means-tested and is for people who are on a low income.
New claims can only be made for ‘new-style’ contributory ESA. You must usually claim online at gov.uk.
Some people will already be getting ‘old-style’ contributory ESA and/or income-related ESA.
To qualify for new-style contributory ESA, you must have paid NI contributions. You can claim after seven days of ill health if you have paid enough NI contributions. To be eligible, you would usually have to have been working and paying NI contributions for the past two or three years. As noted above, you can also apply for new-style contributory ESA on a credits-only basis, even if you have never worked, in order to have your limited capability for work assessed.
Contributory ESA is time-limited to one year for some people, although the most severely disabled (those who have limited capability for work related activity (LCWRA) (also called being in the support group) can continue to get contributory ESA indefinitely.
Contributory ESA is not means tested, so it will not be affected by any loans or grants you are eligible for. However, getting it may affect the amount of further education bursary you can get.
Contributory ESA can continue if you study part-time or full-time. You must continue to satisfy the medical test of limited capability for work. Note that starting a course may trigger the DWP to ask you to undergo a medical re-assessment, to check that you still qualify.
Rowan is disabled and starts a full-time advanced course, aged 28. She gets new-style contributory ESA and is in the support group. Her course does not affect her limited capability for work and her ESA continues.
This type of ESA is almost identical to the new-style contributory ESA explained above, but is for those who claimed before UC was fully rolled out in their area. It is claimed together with income-related ESA, rather than UC. New claims can no longer be made for this.
By the end of 2025 everyone on income-related ESA is expected to have been notified that they must claim UC, by a process called ‘managed migration’. Managed migration is where DWP get in touch to say you must now move to UC. Your income-related ESA will end after the date by which you are told to claim UC. There is more information about managed migration on gov.uk.
You cannot usually make a new claim for income-related ESA. There is an exception if you get old-style contributory ESA. Old-style contributory ESA and income-related ESA are one benefit, therefore if you get old-style contributory ESA and are also eligible for income-related ESA, you can add income-related ESA to your existing contributory ESA award.
Income-related ESA is means-tested, so any student funding you receive may count as income and reduce your entitlement. You claim this together with your partner, if you have one, and any income they have will also affect how much you can get.
You are eligible if you are a part-time student and have limited capability for work and meet the other basic conditions.
If you are a full-time student, you are only eligible if you get ADP, PIP or DLA.
Christine gets old-style contributory ESA in the support group, and PIP. She was living with her partner who worked full time, and they didn’t get any other benefits. She has split up with her partner and is starting a full-time course of education. She is now eligible for income-related ESA to top up her contributory ESA, and can add this to her existing award. She will continue to be eligible for income-related ESA while on her course, because she gets PIP (as long as any student income is low enough). She will be required to migrate to UC soon, and should be notified of this by the end of 2025.
In order to get UC as a disabled student, and to get ESA, you must be assessed as having ‘limited capability for work’ (in the case of UC, this must be decided before your course starts). Limited capability for work means that because of your mental or physical condition it is unreasonable to require you to work. This is normally assessed at a medical known as the ‘work capability assessment’.
The work capability assessment also assesses whether you have ‘limited capability for work-related activity’. If you do, then your UC or ESA includes an extra amount for limited capability for work-related activity (called a ‘support component’ in ESA), which is paid to the most severely disabled people. If you have limited capability for work only, your UC or ESA includes an extra amount if your limited capability for work began before 3 April 2017. If you have limited capability for work you are expected to attend work-focused interviews and may have to undertake work-related activity, and failure to engage may result in reduction of benefit.
Full-time students who get ADP, PIP or DLA and who are getting income-related ESA are treated as having limited capability for work, so do not have to satisfy this part of the work capability assessment. If you are claiming contributory ESA you still have to have your limited capability for work assessed - even if you get ADP, PIP or DLA.
These benefits are paid to meet the extra costs associated with your illness or disability. Adult disability payment (ADP) is a new disability benefit in Scotland, and is replacing other disability benefits for working-age adults (PIP, and DLA for some people). In Scotland, any new claims are now for ADP.
ADP, PIP and DLA are paid at different levels depending on your care and mobility needs. ADP, PIP and DLA are not affected by studying, as long as you have the same care and mobility needs as before. If your needs increase, for example if you need a scribe at college or university, you may be entitled to a higher level of benefit. You should get advice before asking for an award to be looked at again, as you could put your existing award at risk.
ADP, PIP and DLA are not means-tested, so they are not affected by any other income you have coming in. They can be paid in addition to other benefits, and may increase the amount of income-related ESA or housing benefit you are entitled to. To claim ADP, telephone 0800 182 2222 or claim online at mygov.scot.
Housing benefit (HB) helps with the cost of rent if you are on a low income. You may have an ongoing HB award. If you don't already have HB, you can only make a new claim if you live in certain types of temporary or supported accommodation (otherwise, you get help with rent through the UC housing cost element). For example, if you live in certain types of temporary accommodation that are provided because you are homeless, you must claim HB if you need help with your rent. The same applies if you live in accommodation provided by a voluntary organisation or housing association to meet your need for, and where you get, care, support or supervision.
Contact your local authority to claim HB. You usually get maximum HB if you are entitled to income-related ESA or UC. In order to be eligible for HB you must be liable for rent, so you cannot claim this if you live with your parents in their home.
HB is affected by most other income and capital that you have, so you will only get benefit if your income is low enough. Student funding can affect your benefits as most student funding that you have is taken into account as income, so even if you are eligible for HB you may not receive any or receive only a small amount.
You may already be getting HB when you start studying. Or you may be applying for HB during your course because you are in temporary or supported accommodation. In either of these cases, you must be in one of the following groups of disabled student to be able to remain on HB during your course.
You are eligible for HB as a full-time disabled student if you:
Note that all young full-time students on non-advanced courses are eligible for HB. To be eligible, you must be under 22, and under 21 when you started the course. Some other students are eligible too, such as lone parents – see our Benefits for Students in Scotland Handbook.
Stacey is 28 and rents a local authority flat. She has cerebral palsy and gets income-related ESA, HB and ADP. She starts a full-time non-advanced course at college. She can continue to get income-related ESA because she gets ADP, and she is treated as having limited capability for work. She is also still eligible for HB and ADP while on the course.
Most student funding that you receive will reduce the amount of UC, income-related ESA or housing benefit that you are entitled to.
In higher education, a student loan for maintenance counts in full for universal credit (UC), if you could get one by taking ‘reasonable steps’. This applies even if you do not take out the loan, as it is money that is available to you. You may be entitled to a reduced amount of UC during the academic year. In the summer vacation student funding does not count, so you can get maximum UC over the summer.
On a non-advanced/further education (FE) course you may be awarded a small bursary maintenance allowance, which will reduce your UC a little every month (note: the bursary maintenance allowance is discretionary, and there is no guarantee of getting it, therefore the amount taken into account is the amount awarded, not an assumed amount). If you are entitled to an Education Maintenance Allowance it is ignored, so you can get this in addition to your UC.
Note that £110 a month of student funding is disregarded from UC.
In higher education, a student loan for maintenance counts in full if you are eligible for one, if you could get one by taking ‘reasonable steps’. This applies even if you do not take out the loan, as it is money that is available to you. A parental contribution usually counts as income but, for disabled students claiming income-related ESA, it only counts if it is actually paid to you. Income-related ESA usually stops due to student funding during the academic year, and housing benefit (HB) reduces or stops. In the summer vacation student funding does not count, so you can get (more) income-related ESA and HB over the summer (assuming you are getting these already, otherwise you may have to claim UC instead – if you are eligible).
On a non-advanced/further education (FE) course you should be able to keep getting benefits instead of applying for a bursary maintenance allowance (the bursary maintenance allowance is discretionary, and there is no guarantee of getting it, therefore it should not count as assumed income). If you are entitled to an Education Maintenance Allowance it is ignored, so you can get this on top of your income-related ESA.
Allowances for disability or additional support needs do not count as income for benefits. Nor do amounts for travel or study expenses (including the special support loan).
Lydia is 22 and starting a full-time advanced course. She is disabled and is getting UC and ADP. When she starts studying she is still eligible for UC because she gets ADP and has limited capability for work. However, her student loan counts as income and reduces her UC. Over the summer her student loan is ignored, and she gets maximum UC.
Keith is an FE student on a one-year course. He has an acquired brain injury and is 30. He is on income-related ESA and PIP, and HB to pay the rent on his housing association flat. He stays on benefits rather than applying for a bursary, and his benefits continue at the same rate.
If you fall ill or become disabled while you are studying, then you may be able to claim benefits. You are still treated as a full-time student if you take time out of your course, unless you abandon or are dismissed from the course. If you do leave the course, then you are no longer treated as a student and normal benefit rules apply. This section deals with benefits for you if you are taking time out, but not abandoning your course.
While you are taking time out of your course, the normal rules apply for claiming benefit as a full-time student. For example, you can claim UC if you get ADP, PIP or DLA and have been assessed as having limited capability for work before your course starts.
You may be eligible for ADP if you are disabled and have had care or mobility needs for 13 weeks or more, and you expect to have these needs for at least another 39 weeks.
Corin is 22 and in his third year of a degree. He falls ill and has to take time out from his course. He is awarded ADP after three months of illness. He applies for new-style contributory ESA and is assessed as having limited capability for work. When his course ends he can claim UC, and he will now be eligible for UC if he starts a further course (subject to student income), because his limited capability for work will have been assessed before the next course starts.
If you have recovered from your ill-health, you are not eligible for a grant or loan, and you are waiting to return to your course, you can claim UC until you return to your course, for up to one year. You may be required to look for work to get your full UC paid during this time.
Disabled students in HE may be able to claim a disabled students' allowance for extra expenses that arise because of the course. A disabled student in FE may be eligible for help through the additional support needs for learning allowance (ASNLA), to help with study and travel expenses.
If you are a disabled student and you need support in order to be able to attend your course, you may be able to get help from the local authority's social work department in the form of services or a direct payment.
Freephone helpline 0800 999 2568 or email [email protected].
