Redundancy and losing your job

Becoming unemployed could happen to anyone at any time and can be a real shock to deal with. If you’re at risk of redundancy or have recently lost your job, you may feel anxious about how you’ll cope financially. We can help you understand your employment rights, find out if you’re entitled to redundancy pay, the benefits you might be able to claim and how to manage your money until you get back on track.

Seated young woman smiling

Know your employment rights and how to get help

If you’re faced with redundancy or job loss, your employer must treat you fairly and you have certain legal protections. It’s important to understand where you are in the process, check what could happen if you took up any alternatives offered to you and where to get employment advice if you need it.

Was this section useful?
Thank you for your feedback.
We’re always trying to improve our website and services, and your feedback helps us understand how we’re doing.

Find out if you qualify for redundancy pay

You might be entitled to statutory redundancy pay if you’ve worked continuously for your employer for at least two years. If you work on a casual basis, or are an agency or temporary worker, you probably won’t qualify for redundancy pay.

Was this section useful?
Thank you for your feedback.
We’re always trying to improve our website and services, and your feedback helps us understand how we’re doing.

Understand what benefits you could claim

You might be able to claim benefits while you’re looking for a new job to help with your housing and living costs. Don’t hesitate or delay claiming them because you’ll also get National Insurance credits to protect your State Pension.

Was this section useful?
Thank you for your feedback.
We’re always trying to improve our website and services, and your feedback helps us understand how we’re doing.

What to do after your job ends

Losing your job can be stressful but it’s important you don’t let this take hold of you and stop you from moving on to another job or a career change. You’ll also need to decide what to do with your pension or any lump sum payments.

Was this section useful?
Thank you for your feedback.
We’re always trying to improve our website and services, and your feedback helps us understand how we’re doing.

Have you missed a payment?

If so, now is the time to get debt advice

  • It’s free and confidential

  • Gives you better ways of managing your debts and money

  • Ensures you’re claiming all the right benefits and entitlements

Thank you for your feedback.
We’re always trying to improve our website and services, and your feedback helps us understand how we’re doing.
Talk to us live for…
Talk to us live for…
Talk to us live for pensions guidance using…
Talk to us live for money guidance using…
Hours
  • Mon – Fri:9.00am to 5.00pm
  • Sat, Sun and bank holidays:Closed

Calls from the UK are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Talk to us live for money guidance using the telephone
Hours
  • Mon – Fri:8.00am to 6.00pm
  • Sat, Sun and bank holidays:Closed

Calls from the UK are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Use our travel insurance directory to get a list of specialist providers you can contact directly, as we can't give you quotes.

Need further help? If you’ve used the directory or you need further help to find an insurer, the British Insurance Brokers’ Association can link you with a broker. Call: 0370 950 1790

If you’ve missed payments and are struggling with debt, call us and press 1 to speak to one of our debt advice partners. Hours
  • Mon - Fri: 9.00am - 5.00pm
  • Sat Sun and bank holidays: Closed

Calls from the UK are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Our specialists are here to support you over the phone. Hours
  • Mon - Fri 9.00am - 5.00pm
  • Sat-Sun and Bank Holidays Closed

Calls from the UK are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Talk to us live for pensions guidance using webchat
Hours
  • Mon – Fri:9.00am to 5.00pm
  • Sat, Sun and bank holidays:Closed
Talk to us live for money guidance using webchat
Hours
  • Mon – Fri:8.00am to 6.00pm
  • Sat, Sun and bank holidays:Closed
Talk to us for pensions guidance using our web form

We aim to respond within 5 working days

Talk to us for money guidance using our web form

We aim to respond within 2 working days

Talk to us live for money guidance using WhatsApp

Download app: WhatsApp

For help sorting out your debt or credit questions. For everything else please contact us via Webchat or telephone.