Personal Independence Payment (PIP) is one of the most important disability-related benefits in the UK. Designed to help people with the extra costs of living with a long-term health condition or disability, PIP raises frequent questions about eligibility and how payments are calculated. One of the most common concerns is whether PIP is means tested. This guide provides a clear explanation for claimants in 2025.
What Is PIP?
PIP is a benefit intended for people aged 16 to State Pension age who have a long-term physical or mental health condition that affects their daily living or mobility. Unlike some other benefits, PIP is not linked to employment status or income level, but rather to how your condition impacts your everyday life.
Is PIP Means Tested?
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The short answer is no. PIP is not means-tested, which means:
- Your income does not affect your entitlement.
- Your savings or capital do not affect the amount you receive.
- You can receive PIP whether you are working or not.
Instead, entitlement is based on an assessment of how your condition affects daily living and mobility.
How PIP Is Assessed
PIP is made up of two components:
-
Daily Living Component – for help with everyday activities such as cooking, washing, and communication.
-
Mobility Component – for help with getting around.
Each component has two rates: standard and enhanced, depending on how your condition impacts your ability to perform tasks.
PIP Payment Rates in 2025
| Component | Standard Rate (weekly) | Enhanced Rate (weekly) |
|---|---|---|
| Daily Living | £72.65 | £108.55 |
| Mobility | £28.70 | £75.75 |
Key Features of PIP
Non-means tested: Not affected by income or savings.
Tax-free: PIP is not considered taxable income.
Gateway benefit: Entitlement to PIP can unlock other benefits, such as Carer’s Allowance or additional support with housing and transport.
Long-term support: Awards can be fixed-term or ongoing, depending on your condition.
For official government information, visit: Personal Independence Payment (PIP) – GOV.UK.
FAQ – Is PIP Means Tested?
Is PIP affected by my savings?
No, savings or capital do not affect PIP entitlement.
Do I need to be unemployed to get PIP?
No, you can receive PIP whether you are working, unemployed, or retired (if under State Pension age).
How is eligibility decided?
Through an assessment of how your health condition affects your daily living and mobility, not your financial situation.
Can PIP be combined with other benefits?
Yes, receiving PIP may increase entitlement to other benefits such as Housing Benefit or Pension Credit.
Is PIP available after State Pension age?
You cannot make a new claim once you reach State Pension age, but if you already receive PIP, payments can continue.
Need help finding a care home?
Senior Home Plus offers free personalized guidance to help you find a care facility that suits your health needs, budget, and preferred location in the UK.
Call us at 0203 608 0055 to get expert assistance today.
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