Giving up work temporarily or permanently

If you decide not to work during treatment, you may want to think about whether you will return to work when treatment ends, or whether you will give up work for good.

It’s difficult to tell how much treatment will affect you. It is therefore important to make sure you go back to work gradually, if you can. Try not to stretch yourself too much physically or do too much at once. It might take time for you to recover. You may need to accept changes and be flexible.

If you decide to give up work permanently, you will need to make several legal and financial decisions. It’s important to think carefully about the financial implications of giving up working. You can discuss those issues with a financial adviser. You can also find information from HM Revenue & Customs (HMRC) and Business Debtline.

Returning to work after treatment

It’s unlikely anyone will be able to tell you for sure what effect the cancer and its treatment will have on you. Many people find this hard to accept. If you’re not sure when you might be ready to get back to work, it’s okay to see how things go and to keep your options open. You may find returning to work helps you get back to normal.

There may be a temptation to push yourself too far, too quickly. For example, if you are a manual worker, perhaps a bricklayer or mechanic, you may be tempted to stretch yourself too far physically. Or if your work is office-based, you may feel as though you should work long hours in front of a computer to catch up with tasks you may have fallen behind with.

However, if you can, you should plan to return to work gradually. Try to decide what’s most important and just do those parts of your work until you feel stronger. Give yourself regular breaks – you can even schedule them into your diary as appointments.

If you’ve had treatment for a brain tumour, it will usually be at least a year before you will be allowed to drive again.

It helps to remember that your recovery may not always be straightforward. You may have some setbacks or your circumstances may change along the way. Try to remain flexible.


Looking for new work or a new job

Looking for a new job after cancer treatment can be a positive sign of recovery. You may decide to return to the kind of work you did before or to have a complete change. Some people look for a less stressful job or one they would enjoy more. Others may decide to try something they have always wanted to do.

If you’re looking for a new job, you may wonder if you have to tell an employer you have or have had cancer. The Equality Act 2010 means employers should only ask questions about your health in limited situations during the recruitment process (see below).

In Northern Ireland, employers are allowed to ask job applicants about their health. But under the DDA, they cannot discriminate against you because of your disability.

An employer can ask you for information about your health after they have offered you a job. If they then decide to withdraw the job offer, this must be for reasons that are non-discriminatory.

An employer can only ask questions about your health before they offer you a job in certain circumstances. This could be to:

  • make sure they are not discriminating against anyone in their recruitment process
  • make sure they recruit people from a range of different groups, such as people with disabilities – this is called positive action
  • check if you need any reasonable adjustments, for example, having your interview in a ground floor room
  • find out if you will be able to do something that’s an essential part of the job.

They also have to think about any reasonable adjustments they could make to allow you to do the job.

Questions related to disability must not be used to discriminate against a disabled person. A possible employer is only allowed to ask questions about your health or disability for the reasons listed above, if necessary.

It’s important not to mislead a possible employer. Giving false or incomplete information that is found out at a later stage could put you in a difficult position.

If you’re pressed for an answer about your health, it may be best to be open about the cancer. But this is your decision. If you don’t get the job as a result of this, you may be able to bring a discrimination claim against them.

You may not consider yourself to be disabled. But if an employer asks if you are disabled, you should say ‘yes’ for the purposes of the Equality Act and the DDA. Everyone with cancer is covered by these Acts and cancer is termed as a disability.

Preparing for an interview

Before an interview, rehearse how to answer any questions about your health. If you are asked about gaps in your work history you can explain you were dealing with some health issues. Be clear you are now ready and keen to get back to work. Emphasise the skills and strengths you have to do the job rather than talk about your illness.

There are different organisations that can help people with a disability to find work. You can find more information at gov.uk (for England, Scotland and Wales) and at nidirect.gov.uk (for Northern Ireland).

Access to Work can also provide someone to help you at a job interview. It can also help people who are about to start a job.


Giving up your business for good

Some people decide to give up work completely when they are diagnosed with cancer. This allows them to focus on their health and other aspects of their lives, such as friends and family. If you decide to close your business, speak to a financial adviser and take your time to think through your options. Depending on your situation, you may be able to sell the business or transfer the ownership.

Other people may wish to continue their business, but it may start to fail despite their best efforts.

If you have a limited company which owes suppliers or lenders money that it cannot pay, it may be forced into insolvency.

An appointed person (a liquidator) will take control of your business and sell the assets in order to pay the debts (a process called winding up).

If you are a sole trader or part of a partnership, you can be forced into bankruptcy (called sequestration in Scotland).

If your business is struggling, you can get free confidential advice from Business Debtline. They cover all regions of the UK.

Closing down

If you know your business is failing, you may want to close it down yourself before you’re forced to. Even if your business is successful, you may still decide to close it down and look for another job or take early retirement. It may take months to close down a business fully.

You will need to think carefully about the effect this will have on your finances. Consider the money you will receive from other sources, such as a pension, savings, shares or benefits.

Write a plan that outlines everything you need to do to help protect your personal assets and reputation.

Your plan should include:

  • Collecting all money owed to you. You could offer a discount for immediate payment. Do this before you notify your customers or clients that you will be closing your business. You will find it difficult to recover debts later.
  • Selling any remaining stock – consider a clearance sale.
  • Telling your creditors. This includes suppliers, banks and anyone else you owe money to.
  • Telling your customers and dealing with outstanding obligations.

Return any money for products not delivered or services not rendered. You may be able to claim on your business or professional insurance if you can’t fulfil a contract.

  • Giving your landlord the required amount of notice to terminate your lease.
  • Giving notice to any employees and following regulations to ensure they are treated fairly.
  • Paying your company debts as far as possible – ask a financial adviser about the best way to do this to protect yourself.

You will also need to take some legal and financial steps.

For example, if you are a sole trader, you will have to inform HMRC straight away. This may also help your finances.

If your income will be lower, you may be able to reduce your tax payments.

There is a helpful fact sheet about what you should know about tax when you stop trading at gov.uk/government/publications/stop-trading-what-you-need-to-know

If you are trading as a limited company, the process of closing your business will depend on whether you can pay your company debts.

Visit gov.uk/closing-a-limited-company for further guidance.

When your company is in the process of being wound up, it still must file and pay tax returns.

Help available

It’s important to speak to a financial adviser in order to follow the correct process according to whether you are a sole trader, a partner in a business or a director of a limited company.

If you are registered for VAT or employ staff, you will have extra responsibilities. JobCentre Plus can advise you if you need to make redundancies. More information is on gov.uk/staff-redundant/getting-help if you are in England, Scotland, or Wales. In Northern Ireland, go to nibusinessinfo.co.uk/content/redundancy-options or contact the Labour Relations Agency (lra.org.uk).

You can also look at the HMRC website and, in particular, gov.uk/browse/business/selling-closing

There is also useful information on nibusinessinfo.co.uk/content/how-close-down-your-business for businesses in Northern Ireland.

It’s a good idea to ask a professional, such as an accountant, to guide you.

Your feelings

Deciding to give up your business is a big step. If work has been a major focus in your life, it can be difficult to adjust. It may help to talk to someone about your feelings. This may be another family member or a friend. Some people find it easier to talk to a counsellor. You may be able to contact a counsellor through the hospital, your GP, or a cancer support group.

Back to If you are self-employed

Self-employment and cancer

If you’re self-employed you may worry about work and money during your cancer treatment. Support is available to help you cope financially and emotionally.

Working during treatment

Deciding whether to carry on working during treatment is a difficult decision. It depends on individual circumstances.

Making treatment decisions

When you’re self-employed, you may have particular questions about treatment decisions and how they could impact on your work.

Managing your workload

Cancer treatment can have an impact on the way you run your business. You may need to reorganise your activities to manage your workload.

Managing your finances

If you’re self-employed and have had to reduce your work activity, you may worry about your professional and personal finances. Support is available to help you cope with financial issues.