Personal Independence Payment

Personal Independence Payment (PIP) is a disability benefit for people aged 16 to State Pension age. It is for people who have significant, permanent or long-lasting problems with daily living or moving around. It is not affected by how much income or savings you have, or whether you have paid National Insurance.

PIP is not awarded on the basis of a cancer diagnosis, but on the kind of difficulties you have managing day-to-day with daily living tasks like washing and dressing, cooking and eating, among other things. These difficulties can include problems with physical movement, but also with issues such as memory and concentration, or mental health issues such as anxiety and depression.

You must have these difficulties more than half the time, have had them for at least 3 months, and expect them to last for at least 9 months into the future. If you are terminally ill, you can bypass a lot of these rules - contact a Macmillan money adviser if you are unsure whether you qualify.

PIP applications are assessed before any benefit is paid. The assessment is based on an application form and an assessment with a healthcare professional, which can be face-to-face or over the phone. Points are awarded for the degree of difficulty you have with tasks. Using an aid or an adaptation can score points.

For example, many people experience difficulty swallowing because of head and neck cancers. If you need to use a liquidiser to prepare meals, this counts as an adaptation and would score 2 points. The points are added to make a total. If the total is more than 8 points, you would qualify for PIP.

It can take several months to assess a claim for PIP, unless the special rules for terminal illness apply. If you are not sure how long into the future your difficulties will last, you can make a claim and withdraw when the assessment date approaches if you don't feel it's still relevant to you.

If you have reached State Pension age and are making a new claim, you should claim Attendance Allowance instead of PIP. If you have received PIP before reaching State Pension age, you can continue to get it.

PIP has replaced an older benefit called Disability Living Allowance (DLA) for adults. If you have not reached State Pension age and are making a new claim, you must apply for PIP.

In Scotland, PIP has been replaced by the Adult Disability Payment. This change happened in 2022.

You can use the Macmillan Benefits Calculator to figure out your benefits entitlement. 

Find out more about the benefits and financial support available for people living with cancer.

If you live in England or Wales, you only need to apply for PIP if you were born after 8 April 1948 and one of the following applies to you:

• your circumstances have changed
• the Department for Work and Pensions (DWP) contacted you and asked you to transfer to PIP.

In some cases, it is best not to claim PIP if you already get DLA because your payments may end up lower than before. For more information about this, call our money advisers on 0808 808 00 00. It is important to tell the DWP if your circumstances change.

If you live in Northern Ireland and were aged 65 or over on 20 June 2016, you will continue to get DLA if you are still eligible. It is important to tell the Department for Communities (DfC) if your circumstances change.

If you are terminally ill, you can apply for PIP using a fast-track process called special rules. You can apply if your doctor thinks you may be reasonably expected to live for less than 12 months. You should get your first payment within 2 weeks of applying. We have more information about how to apply using special rules.

Claiming PIP under special rules means:

• you do not need to have had daily living or mobility problems for the last 3 months
• you do not need to have a face-to-face consultation
• your claim will be dealt with quickly
• you get the daily living component at the enhanced rate straight away
• the money is paid weekly
• you may also be able to apply for the mobility component, depending on your needs
• someone can make the claim on your behalf.

We know that being diagnosed with advanced cancer can have an impact on you emotionally and financially. Macmillan is here to support you, your family, and your friends. We have information on managing money at the end of life and Macmillan Support Line is here to listen if you want to talk.

If you apply for PIP, you must complete a form that asks personal questions about how your health problems affect your daily life. Once the DWP have reviewed the form, you will have an assessment over the phone or face-to-face, with a health professional.

The form asks you questions about day-to-day activities, such as preparing food. Your answers are assessed against a list of descriptors. These are statements that describe:

• how much support you need
• what type of help you need to do the activity.

An example of a descriptor is ‘Cannot cook a simple meal using a conventional cooker, but is able to do so using a microwave’.

Each descriptor has a point score. The number of points you get depends on how much help you need. Your scores for the activities are added together and the total affects how much benefit you get.

You are only considered able to do an activity if you can do it:

• safely
• to an acceptable standard
• as often as you need to
• within a reasonable period of time
• without any help.

For example, sometimes people who have had chemotherapy experience tingling, pain or numbness in their hands and feet (peripheral neuropathy). 

This can make it difficult to grip things, which can affect ability to use a vegetable peeler, twist the lids off jars, lift a heavy saucepan or kettle, or test the temperature of something by touch.

They may not be able to stand for long enough to cook a meal from beginning to end. This might satisfy the descriptor ‘Cannot cook a simple meal using a conventional cooker, but is able to do so using a microwave’.

This would be because they cannot do it:

• safely - they are at risk of dropping a pot or pan of boiling water or food
• to an acceptable standard - they may not be able to tell if something is heated all the way through
• as often as you need to - they may not have the strength in their hands to cook every day
• within a reasonable period of time - struggling with can openers, peelers or knives may take much longer
• without any help - they may be able to cook but only if someone does some of the heavy jobs for them.

Points are also awarded if you need to use aids or adaptations in order to accomplish the task. For example, if you need to use a perching stool in order cook a simple meal, you would be allocated 2 points on the cooking descriptor.

How to fill in the PIP form

The claim form is 33 pages long. You will need to make sure you have plenty of time to fill it in. You may find it helpful to read the form first. Then you can get all the information you need before you start. The form also comes with notes to explain and help you answer the questions.

Try to include as much detail as possible about how your condition affects your daily life. For the range of activities, you should explain how you manage on both good and bad days. You should also be specific about how often good and bad days occur.

It is usually helpful to keep a diary making a note of your daily needs. This is especially important if your condition fluctuates.

For example, you might want to record how long it takes to have a shower, or how often you have days when showering is not possible due to fatigue or sickness. It is also helpful to record why this is impacting you.

For example, if you can't have a shower because there is nobody present to make sure you don't slip getting in or out of the shower

It may be helpful to get evidence about your illness from the people looking after you. You should submit this evidence with your claim, or soon afterwards. You could also ask for evidence from your:

• cancer specialist
• carer
• support worker
• GP
• consultant.

It is also helpful to retain a copy of the information you put in your PIP form, especially if your award is reviewed.

How long do I have to complete the PIP form?

You have 1 month to complete and return the form in England, Scotland and Wales. You have 4 weeks if you are in Northern Ireland. If you cannot complete the form within this time, you can:

• call the PIP helpline on 0800 121 4433 and ask for an extension – in England, Scotland and Wales
• call the Department for Communities (DfC) PIP Centre on 0800 012 1573 and ask for an extension – in Northern Ireland.

Recording the problems you have every day can also help show how your condition affects your daily life. We have diary you can use to do this.

Getting support from an experienced money adviser can help your application.

You can speak to a Macmillan money adviser for free by calling the Macmillan Support Line on 0808 808 00 00. Or visit macmillan.org.uk/inyourarea to find out whether you can see a Macmillan money adviser in person.

Find out what you need to have ready when you call our Macmillan money advisers.

You could also contact your local Citizens Advice in England, Scotland and Wales, Advice NI in Northern Ireland or benefits advice centre.

You will be sent a decision about your claim in writing. If your claim is approved, the letter will tell you how much you will get and for how long. You will also be told if the decision will be reviewed at a later date. This is to make sure it still meets your needs in the future.

The money is paid directly into your bank, building society or credit union account. It can also be paid to someone on your behalf if you cannot make a claim yourself.

The benefit you get is worked out at a weekly amount. It is usually paid as a lump sum every 4 weeks. If you have applied for PIP under special rules because you are terminally ill, it can be paid weekly.

If you get PIP, you may also be entitled to other benefits. For more information, call our money advisers on 0808 808 00 00. They can also check you are being paid the right amount.

Sometimes people living with cancer are refused PIP because they do not meet the forward and/or backward time conditions for PIP. This may be because you have not had difficulties in place for 3 months or are not expected to still have difficulties in 9 months' time. 

Sometimes it is because people don't explain the impact of their illness and treatment on their daily living or mobility well enough. 

Sometimes it is because of a lack of medical evidence for your claim. 

It is important to remember that PIP is based on the needs you have rather than your diagnosis. It may be helpful to speak to a Macmillan money adviser to discuss your claim.

If you are refused PIP or are given less money than you previously got for Disability Living Allowance (DLA), you can ask the Department for Work and Pensions (DWP)or Department for Communities (DfC) to reconsider the decision. This is called a mandatory reconsideration. You must ask for a mandatory reconsideration within 1 month of the decision date.

You can also ask for a mandatory reconsideration if your PIP is reduced after a review or renewal claim, or on transfer to PIP from DLA. You need to explain why you think the decision is wrong and give more evidence if you can.

If you miss the deadline, your request may still be accepted if you have a good reason. For example, this could be if you were unable to contact the DWP or DfC because you were in hospital. If you are unsure, speak to a money adviser about your situation.

What if the decision does not change?

If the DWP or DfC do not change the decision, you can appeal to the Social Security and Child Support Tribunal. You need to do this within 1 month of getting a mandatory reconsideration decision letter. Time limits for appeals are strict. But if there are special circumstances, it is possible to appeal up to 13 months after the date of the original benefit decision. If you are unsure, speak to a money adviser about your situation.

If you live in Northern Ireland and are moving from DLA to PIP, you may be able to get a Welfare Supplementary Payment. This is for people who have lost money because of changes to the benefits system. You can contact the Welfare Changes Helpline on 0800 915 4604 for more information. Or you can speak to our money advisers.

For more information about appealing a benefits decision, visit:

• GOV.UK if you live in England, Scotland or Wales
• Social Security Scotland if you live in Scotland
• nidirect.gov.uk if you live in Northern Ireland.

You can also speak to a money adviser by calling our support line on 0808 808 00 00. Or visit macmillan.org.uk/inyourarea to find out if you can visit a Macmillan money adviser in person.