Universal credit and pensions: could you be missing out?

November 28, 2019

Tips for PIP! (Personal Independence Payments)

Many of you tell us about the stress of completing PIP applications, attending assessment or reassessment, and problems with the appeals process.  For useful advice and information on avoiding the main pitfalls, check out the links below:





Universal Credit

Most, if not all benefit applications now have to be done online, but not everyone is comfortable or feels confident in using the internet.  If you, or anyone you know, would like face to face or over the phone support, contact the Citizens Advice Bureau’s ‘Help to Claim’ service, by phoning freephone 0800 144 8 444 (England), 08000 241 220 (Wales) and 0800 023 2581 (Scotland).


Could you be missing out?! – Pension Credit

If you receive a State Pension and are on a low income (below £167.25 per week (£255.25 for a couple), did you know you may be able to receive more money, by applying for Pension Credit (PC)?

The Guarantee Credit part of PC is designed to top up weekly income and claims can be backdated for 3 months. Pension Credit is part of the State Pension system, and although four million older people are entitled to receive it, Independent Age found that around a third of those eligible are not claiming.


You don’t need to :

  • have paid any National Insurance contributions
  • Savings under £10,000 are ignored,
  • It’s tax-free,
  • You can apply even if you still work


How to claim:

It’s easy – call freephone 0800 99 1234, and staff will fill out the application form with you over the phone.


What you’ll need when you call:

  • your National Insurance Number
  • information about your income, savings and investments
  • your bank account details


Is it worth applying just for a few pounds?

Definitely!  Even if your income is just under the set amount, do apply, as there are additional benefits.  For instance, free sight tests and vouchers towards spectacles or contact lenses, cold weather payment, plus help with NHS and dental costs and travel costs to hospital for NHS treatment.

Qualifying for PC might also mean you get more housing and/or council tax benefit.


When to apply?

If you already receive a pension, and you think you qualify, don’t delay! Claims are only backdated 3 months.  If you have not yet reached retirement age, you can claim from 4 months beforehand.


Assistance from the Fund


You’re doing well as a music creator; the work, although slow, has been steady on and off for a while.  Then… unexpectedly, you fall ill, or find you have to take time out for different reasons.

You have numerous hospital appointments, are exhausted and find you have to cancel any work you do have.

Slowly, the money dries up.  Your anxiety levels rocket as fast as your income plummets.  You can’t sleep, you’re no longer finding it easy to talk with colleagues, friends or family.

Your credit card – if you have one – is maxed out, and you’re overdrawn at the bank.  It’s becoming increasingly difficult to meet the bills or your rent.  You’re worried that if the situation continues, you might be evicted.  The circumstances are having a detrimental effect on both your physical and mental well-being.

You have little idea of what to do or where to turn.

If the above scenario, or something similar resonates with your own situation, this is where the Fund comes in and may be able to assist.

All you need do is to contact us in confidence on 020 3741 4067 email at fund@prsformusic.com, or download our application form here. PRS-Application-form-2019


Get in touch! We’re here for you.


June 19, 2020

Newsletter June 2020

It’s time for a quick look back at events which have happened during recent months and to update you with useful resources from the Fund and the organisations we work with.   During the year […]

Read More

June 5, 2020

2019: The Big Numbers

2019 was a very productive year for the Fund and we achieved some great results. The Fund’s assistance has once again been crucial in preventing PRS members falling further into poverty and improving their wellbeing. […]

Read More

June 2, 2020

Blackout Tuesday

The PRS Members’ Fund joins the wider music industry community in support of #TheShowMustBePaused. We will observe #BlackOutTuesday to stand together against racism and prejudice. It’s our responsibility as a charity for music creators to […]

Read More

May 19, 2020

Mental Health Awareness Week 2020

This year the Mental Health Awareness Week is celebrating KINDNESS. Emotional and social bonds have been essential for our survival, but the lockdown is putting them at risk, especially for those who are most vulnerable. […]

Read More

May 4, 2020

PRS Members’ Fund joins #GivingTuesdayNow in Global Day of Giving and Unity

PRS Members’ Fund responds to Urgent COVID19 Need with the Emergency Relief Fund, Joining #GivingTuesdayNow in Global Day of Giving and Unity London 04th May 2020 – PRS Members’ Fund is responding to meet the […]

Read More

April 29, 2020

PRS Emergency Relief Fund raises over £2.1m

Since its launch in March, the PRS Emergency Relief Fund, formed in collaboration with PRS for Music and its charity partners PRS Members’ Fund and PRS Foundation, has helped over 3000 songwriters and composers, with more […]

Read More

April 22, 2020

PRS Presents: LCKDWN

Hosted in aid of the PRS Emergency Relief Fund (ERF) launched expressly to help songwriters and composers facing significant financial hardship as we continue to battle the virus, PRS Presents LCKDWN will pay tribute to the songwriters […]

Read More

April 9, 2020

Donate to the PRS Emergency Relief Fund

HOW TO DONATE Whether you would like to make a donation for the PRS Emergency Relief Fund or set up a regular donation to the PRS Members’ Fund, all the information you need is given […]

Read More

April 3, 2020

Taking care: guidance on looking after your mental health in a crisis.

‘Very few things are rigid and fixed in stone – take a cue from nature when going out on your daily walk – look closely at the emerging life all around. Take heart, that this […]

Read More

March 25, 2020

Emergency Relief Fund

Money to support songwriters and composers during unprecedented times of hardship   PRS for Music today announced an immediate PRS Emergency Relief Fund to support its members during the Coronavirus pandemic. In partnership with the […]

Read More

March 18, 2020

Covid-19 Information

The spread of Coronavirus (Covid-19) pandemic has created an atmosphere of uncertainty and fear. The PRS Members’ Fund is here to reassure PRS members that we will continue to offer our services and support, wherever […]

Read More

February 20, 2020

Vacancies at the creative hub Cyril Wood Court

Cyril Wood Court, the accommodation site in Bere Regis, Dorset, is specifically for creatives and here at the Fund we have nomination rights for potential residents.   Cyril Wood Court has a longstanding reputation for being a creative […]

Read More

Need support?

Contact us at fund@prsformusic.com or +44 (0)203 741 4067

Download the Application Form