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KEY CHANGE
- From 6 April 2026, new claimants assessed as having LCWRA will receive £217.26 per month, compared to the current £423.27.
- This reduced rate will be frozen until April 2030.
- Existing claimants assessed before April 2026 will keep the current rate, but it will also be frozen until 2030.
- Only those meeting Severe Conditions Criteria (SCC) or under Special Rules for End of Life will be exempt from reductions.
ACTION REQUIRED
- Clients who believe they have LCWRA should report this as a change of circumstances before April 2026.
- Reporting triggers a Work Capability Assessment (WCA), which determines LCWRA eligibility.
- Delaying beyond April 2026 could result in significant financial loss.
ADVISER GUIDANCE
- Proactively discuss LCWRA with clients who have long-term health conditions or disabilities.
- Support clients in updating their Universal Credit account and requesting a WCA.
- Explain the financial implications clearly.
WHY IT MATTERS
- Early reporting ensures clients receive the higher LCWRA.
