INCAPACITY BENEFITWhat is it? | Basic qualifying conditions | How much could I get and how am I paid? | How and when should I apply? | What else might I be able to claim?
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What is it?
Incapacity Benefit (IB) is a contributory benefit which gives financial assistance to people who become sick, and are unable to work.
Basic qualifying conditions
To qualify you must be ordinarily resident in the Island at the time of your claim.
You must be under State Pension age, however, you may receive Short-term Incapacity Benefit at the Retirement Pension rate for up to 52 weeks if the illness or disability
- began before you reached pension age; or
- is linked to a period of incapacity for work before pension age.
Entitlement to IB is based on the National Insurance contributions you have paid. Any savings you may have are ignored when deciding if you will qualify for the benefit.
How much could I get and how am I paid?
IB is paid at one of three basic rates :
- short-term lower rate - for the first 28 weeks of incapacity
- short-term higher rate - from weeks 29 to 52
- long-term rate after 52 weeks
See leaflet NI 196 (IOM) for the benefit rates.No payment is made for the first 3 days of incapacity.
You can be paid either by cheque which can be cashed at a Post Office weekly (Short-term Incapacity Benefit) or fortnightly (Long-term Incapacity Benefit), or paid into a bank or building society, or by direct credit every 2 weeks directly into an Isle of Man based bank or building society account (Long - term Incapacity Benefit cases).
How and when should I apply?
Use the SC1 claim form and return it to General Benefits Section, Ground Floor, Markwell House, Market Street, Douglas IM1 2RZ. A doctor's statement should be provided for any periods over 7 days. Claims should be made as soon as your incapacity commences.
Permitted and Voluntary Work
There are special rules if you want to try paid or voluntary work whilst you are in receipt of Incapacity Benefit. For further information please download Section 1 of the Benefits and Contributions Information Guide below.
What else might I be able to claim?
Related benefits are:
- Christmas Bonus
- Income Support
- National Insurance Credits
- Maternity Allowance
- Jobseeker's Allowance
- Pension Supplement
For more information on Incapacity Benefit, please download the documents below which relate to Social Security Benefits on the Isle of Man. Alternatively you could contact your local Social Security Office direct.
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