Housing, managing finances, and getting benefits with psychosis

Impact of psychosis on finances

Psychosis often had an effect on people’s finances, both in terms of employment and earnings, and how much money they spent. Their mental health could directly or indirectly, cause people to spend more or could interfere with choices about spending and saving. Luke, who had a diagnosis of bipolar disorder, said he would sometimes spend unnecessarily or gamble, and it was a struggle to manage his finances.

Andrew X talks about the challenges of managing finances with psychosis as a young person. He notes for example that young people can easily get into debt without the right support.

Age at interview 24

Gender Male

Age at diagnosis 14

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Dominic spent money on things he didn’st need, and his anxieties and voices made this worse. Getting advice, and gathering information helped him to find a balance.

Age at interview 24

Gender Male

Age at diagnosis 21

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When Joe had no energy or no time to prepare food he would spend more money to buy something ready made.

Age at interview 23

Gender Male

Age at diagnosis 21

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Financial support and benefits

Some people we spoke to were working when they first experienced psychosis and felt too unwell to continue, or their employers did not understand their needs or how best to support them. Some were given sick pay initially when they were off work. A few received support from parents, but there were others who had no alternative means of financial support and were unemployed or studying when they first experienced psychosis.
Most had applied for some financial support (in the form of benefits) at some point, including;
  • PIP (Personal Independence Payment)
  • Disability living allowance (under 16s)
  • Statutory Sick Pay
  • ESA (Employment and Support Allowance – previously Incapacity benefit)
  • Job seekers allowance (age 18 onwards)

Luke applied for PIP but didn’st get it. He describes what it is for and some of the questions he was asked.

Age at interview 21

Gender Male

Age at diagnosis 19

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Sam describes her experience of applying for PIP. The people asking her questions for her application didn’st seem to understand that the difficulties caused by psychosis are intermittent and her application was refused.

Age at interview 18

Gender Female

Age at diagnosis 17

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Applying for benefits was often a frustrating process. Some people said they were told at the start that their application was unlikely to be successful.

Andrew Z describes having gaps when he was not receiving benefits and confusion over which forms to fill out.

Age at interview 23

Gender Male

Age at diagnosis 20

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Others felt that their psychosis was not taken seriously or seen as a real disability.

Tariq was shocked when a university lecturer challenged him on his right to a Freedom pass and said I can’st see your disability.

Age at interview 21

Gender Male

Age at diagnosis 18

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Housing

Many of the young people we spoke to were living alone or in shared accommodation such as supported housing or student accommodation. A few had moved back to live with family and one person had bought her own flat. Most people had times when they relied on charities, housing associations, government support or family in some form. Haphazard spending or having gaps when benefits had not been paid, for example having them stopped for a period of time, could mean that young people were unable to pay their rent, and found themselves going into rent arrears.

Lucy had been working full time before her first experience of psychosis and had her own flat. Because of this she wasn’st entitled to housing benefit so had to rely on support from her parents, or face losing her home.

Age at interview 22

Gender Female

Age at diagnosis 21

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Living with family could be helpful because there were people around for support, but sometimes this created other challenges. For example, some people had difficult family relationships while others had frequent hallucinations that involved family members being hurt. For Dominic, whose psychosis often involved seeing images of family members being hurt, moving away was the scariest thing he’d ever done because he wanted to be near to protect them. Hannah felt moving away from home to study was exciting but also daunting.
Most people described getting help, especially from charities, with applying for housing support. Chapman was homeless for 6 months to a year and charity staff helped by calling places to try and find him somewhere to stay temporarily. However, this was inconsistent and on one occasion he was told they couldn’t help because he is still in the process of seeking asylum.
A few people lived in residential or supported housing for a while, where there were wardens on site. Being in residential or supported housing could mean someone was available to give them their medication on a regular basis, and it could be helpful to have support staff available in the building when you were struggling.

Emily compares living in a residential home to living in supported housing where there is more freedom.

Age at interview 23

Gender Female

Age at diagnosis 21

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Moving into independent housing could be more challenging and having help with something as simple as unpacking could be really important.

Ruby lived for a year without being able to unpack her belongings but was too embarrassed to tell anyone. Getting help with it had a huge impact on her mental health.

Age at interview 22

Gender Female

Age at diagnosis 19

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While support from charities such as housing associations was available it tended to vary from one area to the next. When Ruby moved from supported housing to independent housing she received a ‘comprehensive pack’ from the housing association but her friend, who was with a different housing association, received nothing. She and her friends created an information pack with the help of a charity so that people moving into independent housing in her area had proper advice.
The location people lived in could also have a big impact on their sense of wellbeing, which in turn could affect their mental health. For example. people who lived in an area where they saw or were involved with drug dealing, or excessive alcohol drinking often wanted to move away to enable them to move forward with their lives. Others described practical reasons for wanting to move. Green Lettuce felt that moving out of the countryside might help him to find work in IT more easily.

Fran lives in an inner city flat where alcohol and drugs are everywhere. She wants to move to the countryside where she can get the peace and quiet she desperately needs.

Gender Female

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Working and psychosis

A few people we spoke to were employed, or were doing training. Some were working in the field of mental health, often in peer support,...