As the cost of living continues to rise, the UK government is stepping in to provide targeted support through its £742 million Household Support Fund (HSF). A key part of this initiative is the £90 Cost of Living Payment available to eligible households across England in May 2025. This one-time grant can help cover essential expenses such as food, energy, and housing costs.

Whether you’re a low-income earner, a pensioner, a family receiving free school meals, or someone facing financial hardship, this guide breaks down who qualifies, how to apply, and what other help is available through your local council.

What Is the £90 Cost of Living Payment?

The £90 Cost of Living Payment is a non-repayable, tax-free grant issued by local councils as part of the broader Household Support Fund. It is meant to provide immediate financial relief to individuals and families struggling with basic living costs.

Key details include:

What Is the Household Support Fund (HSF)?

The Household Support Fund is a national program launched in 2021 to help the UK’s most vulnerable residents. It gives councils the flexibility to distribute funds according to local needs. While the £90 payment is part of this effort, councils may also offer additional support, including:

• Supermarket or food vouchers

• Energy and water bill assistance

• White goods and home essentials (e.g., fridges, cookers)

• School holiday meal vouchers

• Broadband or digital access support

• Emergency housing or clothing support

Who Is Eligible?

Eligibility varies slightly by local council, but these groups are commonly prioritized:

1. People on Means-Tested Benefits

If you receive any of the following, you’re likely eligible:

• Universal Credit

• Income Support

• Pension Credit

• Income-based Jobseeker’s Allowance (JSA)

• Employment and Support Allowance (ESA)

2. Low-Income Households Not on Benefits

Even if you’re not receiving benefits, you may still qualify if:

• Your income is low (often under £25,000 annually)

• You have limited savings (often under £2,000)

• You’ve experienced a recent job loss or financial emergency

3. Families With Dependent Children

You may be eligible if:

• Your children qualify for free school meals

• You’re receiving Child Tax Credit

• You’re facing increased childcare costs or reduced work hours

4. Disabled Individuals and Carers

Those receiving:

• Personal Independence Payment (PIP)

• Disability Living Allowance (DLA)

• Attendance Allowance
  may also qualify, especially if combined with low income.

How to Apply for the £90 Payment

Each local council determines its own application method. Here’s how to find and apply:

✅ Step 1: Find Your Council

Use the Gov.uk Council Finder:
🔗 https://www.gov.uk/find-local-council

✅ Step 2: Search for “Household Support Fund”

Visit your council’s website and search for terms like “Cost of Living Help” or “Household Support Fund”.

✅ Step 3: Determine the Application Process

• Some councils issue the £90 automatically to those already receiving housing or council tax benefits.

• Others require you to apply online, submit documents, or visit in person.

✅ Step 4: Prepare Required Documents

Typical documentation includes:

• Proof of income or benefit awards

• Bank statements

• Rent or mortgage documents

• ID verification (e.g., utility bill or passport)

⚠️ Tip: Apply Early

Funds are often first-come, first-served and may run out quickly.

When Will the Payments Be Made?

Most councils are distributing the £90 payment in waves throughout May 2025, although some may extend into June due to processing delays. Keep checking your local council’s page for specific dates.

What Other Support Is Available?

Alongside the £90 grant, the HSF offers:

Expert Advice: What to Do Next

As a former council officer and welfare adviser, here’s what I recommend:

• Check your council’s website today – don’t wait until deadlines are announced.

• Gather documents early – this will save time during application.

• Watch for scams – only apply through official government websites.

• Contact Citizens Advice – if you’re unsure about eligibility, they offer free guidance.

Frequently Asked Questions (FAQs)

1. Do I need to be on Universal Credit to qualify?

No. Many low-income households, including pensioners and carers, may be eligible even without Universal Credit.

2. Will this affect my other benefits or taxes?

No. The £90 is a tax-free, non-repayable grant and will not impact your existing benefits.

3. What if I miss the application period?

Funds are limited. However, some councils re-open applications if extra funds remain. Check for ongoing support options year-round.

4. Can I apply again if I received help last year?

Yes. Previous support doesn’t disqualify you from the current year’s payment.

5. Can someone apply on my behalf?

Yes, especially for elderly or disabled individuals. Carers, family members, or social workers can assist, with consent.

Final Thoughts

The £90 Cost of Living Payment is more than just a financial boost — it’s a lifeline for many households across the UK navigating rising living expenses. Whether you qualify automatically or need to apply, don’t delay.

This money is meant to help you. Act now, stay informed, and use every available support to protect your financial well-being.

For updates and applications, always visit your local council’s official website or go to the GOV.UK Household Support Fund page.