TL;DR
Self-employed and can't work through illness? You don't get Statutory Sick Pay, but you're not left with nothing. Depending on your circumstances you may be able to claim Employment and Support Allowance (ESA), Personal Independence Payment (PIP) or Universal Credit. It's also worth building your own safety net: savings set aside as sick pay, or income protection insurance. A bit of planning ahead softens the financial hit if illness stops you working.
Being self-employed means you won’t have access to Statutory Sick Pay (SSP) when you’re ill. However, you can still apply for financial support through several benefits:
1. Employment and Support Allowance (ESA):
You can claim ESA if you’re unable to work due to illness or injury, but don’t have to stop work entirely if you can still manage some tasks.
2. Personal Independence Payment (PIP):
PIP provides financial assistance if you struggle with daily activities or mobility due to a long-term illness or disability.
3. Universal Credit:
This can help cover living costs if you’re on a low income and can demonstrate self-employment as your primary income source.
4. Building a Safety Net:
Set aside savings to act as your own sick pay or consider income protection insurance, which can offer peace of mind when you’re unable to work. You could also hire temporary freelancers to maintain your business during illness.
By preparing ahead, you’ll minimise stress and financial strain when illness strikes.
