# \#finance-and-benefits **URL:** https://forum.mssociety.org.uk/tag/finance-and-benefits/5.md [Latest](https://forum.mssociety.org.uk/latest.md) · [Categories](https://forum.mssociety.org.uk/categories.md) · [Tags](https://forum.mssociety.org.uk/tags.md) --- ## [Public transport & disabled pass](https://forum.mssociety.org.uk/t/public-transport-disabled-pass/80799)
**Author:** [@jennia](https://forum.mssociety.org.uk/u/jennia)\ **Replies:** 5\ **Last updated:** [8 July 2026 15:33 UTC](https://forum.mssociety.org.uk/t/public-transport-disabled-pass/80799 "2026-07-08T15:33:45Z")
Hi everyone, I have a disabled persons Freedom Pass but unfortunately cannot use it for travelling to work before 9:30am. I think it’s unfair that I can only use it after the rush hour & cannot travel to work at the sam… --- ## [Wedding insurance - any recommendations?](https://forum.mssociety.org.uk/t/wedding-insurance-any-recommendations/81096)
**Author:** [@mackenzieblackman](https://forum.mssociety.org.uk/u/mackenzieblackman)\ **Replies:** 1\ **Last updated:** [13 April 2026 13:19 UTC](https://forum.mssociety.org.uk/t/wedding-insurance-any-recommendations/81096 "2026-04-13T13:19:03Z")
Hi all, I’m getting married next year and am shopping around for wedding insurance. I wondered if anyone else with MS has found any good policies which include pre-existing conditions? Found this post from a while back… --- ## [How do I go about quitting work permanently?](https://forum.mssociety.org.uk/t/how-do-i-go-about-quitting-work-permanently/80748)
**Author:** [@fionabmullin](https://forum.mssociety.org.uk/u/fionabmullin)\ **Replies:** 3\ **Last updated:** [22 January 2026 18:30 UTC](https://forum.mssociety.org.uk/t/how-do-i-go-about-quitting-work-permanently/80748 "2026-01-22T18:30:13Z")
Hi, I was diagnosed with RR MS 23 years ago and am now at the point where I need to stop working. I have applied for a PIP but what else do I need to do to ensure I am receiving everything I am entitled to, and have t… --- ## [DWP Tribunal ](https://forum.mssociety.org.uk/t/dwp-tribunal/80333)
**Author:** [@emmashar.essien](https://forum.mssociety.org.uk/u/emmashar.essien)\ **Replies:** 3\ **Last updated:** [11 October 2025 18:31 UTC](https://forum.mssociety.org.uk/t/dwp-tribunal/80333 "2025-10-11T18:31:54Z")
Hello, I was wondering if anyone could give any advice on pip tribunal appeal? I have been refused pip twice. I’m not sure how to proceed on the of the hearing. I’m awaiting more details from dwp. Thank you in advance … --- ## [Adult Disability Payment - NO POINTS](https://forum.mssociety.org.uk/t/adult-disability-payment-no-points/80001)
**Author:** [@connor](https://forum.mssociety.org.uk/u/connor)\ **Replies:** 5\ **Last updated:** [31 July 2025 17:41 UTC](https://forum.mssociety.org.uk/t/adult-disability-payment-no-points/80001 "2025-07-31T17:41:23Z")
Hello, I was diagnosed with RRMS at the start of the year. I was encouraged by family to apply for ADP (Scottish PIP) I wasn’t all that interested but I figured it would help me in the long run and meant I could cut ba… --- ## [New Diagnosis and Critical Illness Claim](https://forum.mssociety.org.uk/t/new-diagnosis-and-critical-illness-claim/79621)
**Author:** [@m\_e\_f](https://forum.mssociety.org.uk/u/m_e_f)\ **Replies:** 10\ **Last updated:** [18 June 2025 17:37 UTC](https://forum.mssociety.org.uk/t/new-diagnosis-and-critical-illness-claim/79621 "2025-06-18T17:37:40Z")
Hi. I was diagnosed with RRMS in Feb after a couple of mild relapses last year. I had (without realising it was MS) had a CiS 20 years ago. The Neurologist letter makes a lot more sense now! I claimed on my Critical Ill… --- ## [PIP REVIEW FORM](https://forum.mssociety.org.uk/t/pip-review-form/39036)
**Author:** [@Inky\_Sear](https://forum.mssociety.org.uk/u/Inky_Sear)\ **Replies:** 10\ **Last updated:** [9 June 2025 09:11 UTC](https://forum.mssociety.org.uk/t/pip-review-form/39036 "2025-06-09T09:11:00Z")
I’ve returned the How Your Disability Affects You Form, with all the supporting evidence. Can anyone say how long I’ll have to wait to hear from DWP? is it likely to be handled by a paper based process or is the telephon… --- ## [MS and insurance premiums](https://forum.mssociety.org.uk/t/ms-and-insurance-premiums/78971)
**Author:** [@lorrae\_desouza](https://forum.mssociety.org.uk/u/lorrae_desouza)\ **Replies:** 3\ **Last updated:** [26 March 2025 21:21 UTC](https://forum.mssociety.org.uk/t/ms-and-insurance-premiums/78971 "2025-03-26T21:21:56Z")
I was diagnosed with RRMS last summer; since then I’ve recently purchased my first property. During the conveyancing process, my mortgage broker was unable to provide insurance quotes due to my MS investigations ongoing … --- ## [PIP Tribunal 2025](https://forum.mssociety.org.uk/t/pip-tribunal-2025/78257)
**Author:** [@anonymous124](https://forum.mssociety.org.uk/u/anonymous124)\ **Replies:** 1\ **Last updated:** [15 January 2025 18:49 UTC](https://forum.mssociety.org.uk/t/pip-tribunal-2025/78257 "2025-01-15T18:49:31Z")
I had my PIP Tribunal today (over the phone). I was stressing about it so much. The reason I contested it was that with all my evidence I provided the DWP for my mental health issues (medication to a letter from my GP … --- ## [PIP Fraud and Error Correction Phone Interview.](https://forum.mssociety.org.uk/t/pip-fraud-and-error-correction-phone-interview/77717)
**Author:** [@belloway](https://forum.mssociety.org.uk/u/belloway)\ **Replies:** 0\ **Last updated:** [3 November 2024 09:55 UTC](https://forum.mssociety.org.uk/t/pip-fraud-and-error-correction-phone-interview/77717 "2024-11-03T09:55:45Z")
Has anyone had a PIP Fraud and Error Correction Phone Interview? If so can you share your experience? --- ## [what benefits can i claim](https://forum.mssociety.org.uk/t/what-benefits-can-i-claim/77201)
**Author:** [@Weezie](https://forum.mssociety.org.uk/u/Weezie)\ **Replies:** 2\ **Last updated:** [2 October 2024 17:44 UTC](https://forum.mssociety.org.uk/t/what-benefits-can-i-claim/77201 "2024-10-02T17:44:27Z")
Good afternoon, I am 51 years old and I am being made redundant at the end of December. I won’t be looking for future employment due to my MS. I currently receive PIP Daily Living payment lower rate of £72.65 per week… --- ## [Sickness retirement](https://forum.mssociety.org.uk/t/sickness-retirement/76968)
**Author:** [@lishclare](https://forum.mssociety.org.uk/u/lishclare)\ **Replies:** 2\ **Last updated:** [26 August 2024 04:14 UTC](https://forum.mssociety.org.uk/t/sickness-retirement/76968 "2024-08-26T04:14:39Z")
Hello, I have signed on to this group today for the first time. I have been with my employer (big blue chip company) for 26 years. I am just 54 and have SPMS. My energy levels, brain fog, concentrations levels etc are… --- ## [Buying a home on benifit’s](https://forum.mssociety.org.uk/t/buying-a-home-on-benifit-s/72349)
**Author:** [@AFOdriver](https://forum.mssociety.org.uk/u/AFOdriver)\ **Replies:** 7\ **Last updated:** [2 July 2024 12:28 UTC](https://forum.mssociety.org.uk/t/buying-a-home-on-benifit-s/72349 "2024-07-02T12:28:40Z")
Hi Do you know if it’s possible to get a mortgage on benifit’s? I already own my small home but it has stairs. Yes i have some savings too. Need an easy access property i’ve had confirmed ms now 9 years. AFOdriver --- ## [Pip assessment inperson](https://forum.mssociety.org.uk/t/pip-assessment-inperson/75330)
**Author:** [@sophiep](https://forum.mssociety.org.uk/u/sophiep)\ **Replies:** 3\ **Last updated:** [9 April 2024 17:34 UTC](https://forum.mssociety.org.uk/t/pip-assessment-inperson/75330 "2024-04-09T17:34:32Z")
Hello all. So I have been skeptic about applying for anything. I finally went for the blue badge and after a physical was awarded a blue badge. So now am applying for pip. I was wondering what the chances were of going t… --- ## [RRM and Life insurance](https://forum.mssociety.org.uk/t/rrm-and-life-insurance/68250)
**Author:** [@Motherhen](https://forum.mssociety.org.uk/u/Motherhen)\ **Replies:** 2\ **Last updated:** [21 June 2022 07:34 UTC](https://forum.mssociety.org.uk/t/rrm-and-life-insurance/68250 "2022-06-21T07:34:41Z")
Hi i am new on here.please can anyone help. a family member has RRM MS and was wondering if anyone knows of any insurance companies that will except them --- ## [Unclear changing Diagnosis 15+ years](https://forum.mssociety.org.uk/t/unclear-changing-diagnosis-15-years/74998)
**Author:** [@Chloee](https://forum.mssociety.org.uk/u/Chloee)\ **Replies:** 1\ **Last updated:** [18 March 2024 00:10 UTC](https://forum.mssociety.org.uk/t/unclear-changing-diagnosis-15-years/74998 "2024-03-18T00:10:42Z")
Hi, I’m new here and wanted to make a post as I’m interested in whether anyone here has had an experience similar to mine. I would be grateful for any advice offered. When I had just turned 16 (2006) I had my first se… --- ## [I need a bungalow](https://forum.mssociety.org.uk/t/i-need-a-bungalow/74459)
**Author:** [@Kellie1](https://forum.mssociety.org.uk/u/Kellie1)\ **Replies:** 0\ **Last updated:** [17 January 2024 18:14 UTC](https://forum.mssociety.org.uk/t/i-need-a-bungalow/74459 "2024-01-17T18:14:39Z")
Hi, im 47 and dont work my husband is 62 and works. We own our home with a small mortgage ive spent nearly two years upstairs as i cant manage the stairs. Ive had the council look over the house to help with adaptations … --- ## [Can you have MS for 15 years with no damage or deterioation?](https://forum.mssociety.org.uk/t/can-you-have-ms-for-15-years-with-no-damage-or-deterioation/74316)
**Author:** [@HEREFORHELP](https://forum.mssociety.org.uk/u/HEREFORHELP)\ **Replies:** 5\ **Last updated:** [3 January 2024 10:41 UTC](https://forum.mssociety.org.uk/t/can-you-have-ms-for-15-years-with-no-damage-or-deterioation/74316 "2024-01-03T10:41:40Z")
Im reaching out here about my mother who has MS. She had her diagnosis over 15 years ago, but she has not deteriorated at all. Is this normal? Prior to her MS she used to receive full disability benefits and motability… --- ## [Why I always had a cold feet but my body was warm](https://forum.mssociety.org.uk/t/why-i-always-had-a-cold-feet-but-my-body-was-warm/74050)
**Author:** [@marthyrongengi](https://forum.mssociety.org.uk/u/marthyrongengi)\ **Replies:** 1\ **Last updated:** [11 December 2023 18:43 UTC](https://forum.mssociety.org.uk/t/why-i-always-had-a-cold-feet-but-my-body-was-warm/74050 "2023-12-11T18:43:02Z")
I always had cold feet and cold hand, but my body was warm. When i close my eyes it tingling my back and my brain. When i smoke it makes me always headache,and dizzy. And automatically my body my feet and my shoulder tin… --- ## [PIP applications have broken me, any advice?](https://forum.mssociety.org.uk/t/pip-applications-have-broken-me-any-advice/73106)
**Author:** [@kwiljodish](https://forum.mssociety.org.uk/u/kwiljodish)\ **Replies:** 9\ **Last updated:** [29 August 2023 18:34 UTC](https://forum.mssociety.org.uk/t/pip-applications-have-broken-me-any-advice/73106 "2023-08-29T18:34:45Z")
Hi all, So I am 26 years old and have been diagnosed with relapsing remitting MS for about 3 years now, I was lucky to get a quick and reasonably simple diagnosis, mainly due to my mum and her mum having both had MS so I… --- ## [Secondary Progressive Multiple Sclerosis](https://forum.mssociety.org.uk/t/secondary-progressive-multiple-sclerosis/72914)
**Author:** [@Debs1](https://forum.mssociety.org.uk/u/Debs1)\ **Replies:** 0\ **Last updated:** [7 August 2023 17:54 UTC](https://forum.mssociety.org.uk/t/secondary-progressive-multiple-sclerosis/72914 "2023-08-07T17:54:11Z")
Hi, I am completely new to this site, although I have had RRMS for 16 years. I’m now 58. My consultant has just told me I now have Secondary progressive MS and is changing my medication to Siponimod forthwith. I would… --- ## [Wheelchair assisted vehicle](https://forum.mssociety.org.uk/t/wheelchair-assisted-vehicle/72541)
**Author:** [@fiona1971](https://forum.mssociety.org.uk/u/fiona1971)\ **Replies:** 0\ **Last updated:** [29 June 2023 16:17 UTC](https://forum.mssociety.org.uk/t/wheelchair-assisted-vehicle/72541 "2023-06-29T16:17:15Z")
Looking into getting a wheelchair assisted vehicle, my husband is going to learn to drive we also need help to fund for lessons and vehicle . Thank you for any advice anyone can provide me x --- ## [pip renewal MR ](https://forum.mssociety.org.uk/t/pip-renewal-mr/72441)
**Author:** [@mchl](https://forum.mssociety.org.uk/u/mchl)\ **Replies:** 0\ **Last updated:** [19 June 2023 17:40 UTC](https://forum.mssociety.org.uk/t/pip-renewal-mr/72441 "2023-06-19T17:40:58Z")
Hello i am new here, i am desperate for advice if anyone can please help? I have had a pip renewal and they have reduced my award from enhanced to standard, im thinking of an MR but im worried as ive read they can then r… --- ## [PIP and should we or not. ](https://forum.mssociety.org.uk/t/pip-and-should-we-or-not/68856)
**Author:** [@SimonN](https://forum.mssociety.org.uk/u/SimonN)\ **Replies:** 4\ **Last updated:** [12 June 2023 14:18 UTC](https://forum.mssociety.org.uk/t/pip-and-should-we-or-not/68856 "2023-06-12T14:18:54Z")
My wife has recently deteriorated from progressive MS and I’m wondering if she should apply for PIP. We are not wealthy but not poor and have a reasonable amount of income from our pensions. But I believe my wife is eli… --- ## [Moving countries](https://forum.mssociety.org.uk/t/moving-countries/71413)
**Author:** [@sandywie](https://forum.mssociety.org.uk/u/sandywie)\ **Replies:** 1\ **Last updated:** [1 April 2023 15:06 UTC](https://forum.mssociety.org.uk/t/moving-countries/71413 "2023-04-01T15:06:18Z")
Hi there, I have MS since 2017 and take tecfidera. I am currently quite well and my husband and I (both teachers) are considering moving abroad (Dubai or elsewhere) while we can. Does anyone have experience with this? Ma… --- ## [New To Your Forum](https://forum.mssociety.org.uk/t/new-to-your-forum/71113)
**Author:** [@Hope32521](https://forum.mssociety.org.uk/u/Hope32521)\ **Replies:** 4\ **Last updated:** [22 March 2023 16:29 UTC](https://forum.mssociety.org.uk/t/new-to-your-forum/71113 "2023-03-22T16:29:06Z")
Hello :raising\_hand\_woman: I just joined your forum ~ I hope I’m allowed, I live in the United States & I just noticed that at the end of this site shows (.uk) Am I welcomed here or do I need to be sure that I am part… --- ## [Advise about work](https://forum.mssociety.org.uk/t/advise-about-work/62400)
**Author:** [@Moominmama1](https://forum.mssociety.org.uk/u/Moominmama1)\ **Replies:** 7\ **Last updated:** [2 February 2023 18:40 UTC](https://forum.mssociety.org.uk/t/advise-about-work/62400 "2023-02-02T18:40:55Z")
Does anyone know what happens after your employer has made all the reasonable adjustments they can and you still can’t do the job . I work in housekeeping and its killing me . I spend more time off sick than at work whic… --- ## [Advice about relocating and support for MS](https://forum.mssociety.org.uk/t/advice-about-relocating-and-support-for-ms/70780)
**Author:** [@JJPPMS2022](https://forum.mssociety.org.uk/u/JJPPMS2022)\ **Replies:** 5\ **Last updated:** [30 January 2023 17:04 UTC](https://forum.mssociety.org.uk/t/advice-about-relocating-and-support-for-ms/70780 "2023-01-30T17:04:55Z")
As part of long-term planning for impact of PPMS on my mobility in the future, and impact on finances (ie loss of my income) we plan to move elsewhere in UK, where property is more affordable and we can buy something whi… --- ## [F%^ked over at work.....](https://forum.mssociety.org.uk/t/f-ked-over-at-work/70550)
**Author:** [@number08](https://forum.mssociety.org.uk/u/number08)\ **Replies:** 6\ **Last updated:** [10 January 2023 17:54 UTC](https://forum.mssociety.org.uk/t/f-ked-over-at-work/70550 "2023-01-10T17:54:17Z")
Found out today that after 25 years developing and building a technical career in an IT role, I am now going to be a warehouse manager… and if I don’t like it then I should leave! Please if anybody is a employment lawye… --- ## [Council tax disability deduction](https://forum.mssociety.org.uk/t/council-tax-disability-deduction/34196)
**Author:** [@Inactive\_User](https://forum.mssociety.org.uk/u/Inactive_User)\ **Replies:** 42\ **Last updated:** [17 November 2022 09:43 UTC](https://forum.mssociety.org.uk/t/council-tax-disability-deduction/34196 "2022-11-17T09:43:29Z")
Hi all, wondering if anyone has applied for and been granted (or refused for that matter) a disability reduction on council tax? I’d like to hear some experiences of it. I currently live in a 3 bed house which I own for… [Next page](https://forum.mssociety.org.uk/tag/finance-and-benefits/5.md?match_all_tags=true&page=1&tags%5B%5D=finance-and-benefits)