Claim Your Statutory Sick Pay A Step-by-Step Guide

When you’re under the weather and can’t make it to work, knowing your rights to statutory sick pay (SSP) is crucial. It’s your safety net, ensuring you’re not left out of pocket when health issues strike. Navigating the complexities of SSP can be daunting, but you’re entitled to understand the support that’s available to you.

Understanding when and how to claim SSP is key to managing your finances during sick leave. Whether you’re dealing with a short-term illness or a longer-term condition, we’ll guide you through the process, so you can focus on what’s most important—your health.

What is Statutory Sick Pay (SSP)?

Statutory Sick Pay (SSP) is a financial benefit that eligible employees are entitled to if they are too ill to work. It acts as a safety net to ensure that individuals are not left without income during periods of illness. SSP is paid by your employer for up to 28 weeks, and it’s a legal requirement for them to do so, provided you meet certain criteria.

To qualify for SSP, you must:

  • Be classed as an employee and have done some work for your employer.
  • Have been ill for at least 4 consecutive days (including non-working days).
  • Earn an average of at least £120 per week, before tax.

The current rate of SSP is £96.35 per week, subject to your average earnings. If you qualify, it’s paid in the same way as your regular wages, typically on the day you’d normally receive your pay.

Imagine you’ve been mis-sold a financial product and are now faced with the stress of illness. Not only are your finances recovering from a mis-sale, but being unable to work means losing your primary source of income. That’s where SSP comes in, providing a basic level of income so you can concentrate on getting better without the added financial strain.

Furthermore, if your illness is a result of mis-sold financial products—such as a pension that was not suited to your medical history—Money Back Helper can step in to assist with claiming compensation, in addition to your SSP rights.

Correct eligibility for SSP often hinges on your employment status and history, so it’s essential that you keep accurate records of your employment and earnings. This is especially important if you’re also negotiating with Money Back Helper over a mis-sold financial product, as the compensation process demands thorough documentation.

Your employer’s responsibility is to ensure you’re aware of your entitlement to SSP, but being proactive and informed means you’re better equipped to manage your health and finances during a challenging time.

Who is eligible for Statutory Sick Pay?

Understanding whether you’re eligible for Statutory Sick Pay (SSP) can be crucial, especially if you’ve faced financial set-backs due to mis-sold financial products. SSP offers a lifeline by ensuring you receive income while you’re too ill to work.

  • Are an employee with an employment contract
  • Have been ill for at least four days in a row (including non-working days)
  • Earn an average of at least £120 per week (before tax)
  • Inform your employer about your illness within their set deadlines, or within seven days if they do not have one

If you’re a full-time, part-time, or agency worker, these criteria apply to you. Self-employed individuals, those serving in the armed forces, or anyone who has received Employment and Support Allowance within the last 12 weeks may not be eligible for SSP.

Consider the scenario where you’ve been off work due to illness after realising you were mis-sold a pension plan. You’re already struggling financially and need a way to keep your finances afloat. If you meet the eligibility criteria, Money Back Helper can guide you on how to claim SSP alongside assisting with compensation for the financial mis-selling you’ve experienced.

In light of mis-sold financial products, it’s important to be proactive about your entitlements. Suppose you’ve been mis-sold payment protection insurance and become ill. You can claim back what you owe on PPI and possibly reduce your financial strain while also benefiting from SSP. It’s about knowing your rights and taking the necessary steps to safeguard your income during health-related absences.

Money Back Helper advocates for your right to receive SSP and assists if you’ve been wrongly excluded from it. Cases such as when individuals are laid off because they’re unfit for work due to an illness linked to a mis-sold mortgage, Money Back Helper steps in to ensure you receive the financial support you’re entitled to through SSP.

Remember, accurate documentation of your illness and timely communication with your employer are key factors in securing your SSP. Ensure your employer records your sick leave correctly to avoid any disputes.

How much Statutory Sick Pay can you receive?

When illness strikes and work’s off limits, understanding your entitlements is crucial. In the UK, Statutory Sick Pay (SSP) serves as a safety net, offering financial support when you need it most. But exactly how much can you expect to receive?

SSP is a fixed amount paid by employers to qualifying employees. As of the last update, you’re entitled to £96.35 per week. However, this amount can get reviewed yearly, which means it’s important to check the latest figures. This payment spans up to a maximum of 28 weeks per sickness absence episode.

Let’s break down the numbers. Here are the crucial details:

Duration SSP Amount
Day 1 to Day 3 (‘waiting days’) £0.00
Day 4 to Day 28 £96.35/week

Waiting days are typically unpaid, but the payout kicks in from the fourth day of sickness. Your employer may calculate your actual daily rate by dividing the weekly rate by the number of days you work—a significant detail if you’re part-time.

Understand that while you’re navigating the aftermath of being mis-sold a financial product, SSP can be a valuable support while you work with Money Back Helper to recover your finances. Real-life clients, like those who’ve been mis-sold mortgages, found that reclaiming SSP was a lifeline in their time of need, aiding their financial resilience during lengthy claims processes.

SSP is paid in the same way as your usual wages, meaning it comes with tax and National Insurance deductions. For seamless processing, ensure that your employment records are up to date—this is especially important if you’ve been a victim of mis-selling and you’re dealing with income discrepancies.

Your eligibility for SSP doesn’t affect other legal avenues you’re exploring. For instance, if Money Back Helper is supporting you in a compensation claim for a mis-sold pension, your SSP claims remain unaffected.

Don’t overlook the importance of timely and clear communication with your employer about your sickness and your intentions to claim SSP. Providing evidence of illness, like a doctor’s note, can be crucial for backing your claim and ensuring that you receive the support you deserve, uninterrupted by your ongoing financial recovery journey.

How to claim Statutory Sick Pay?

If you’re unable to work due to sickness, Statutory Sick Pay (SSP) is a key support you can rely on. Knowing how to claim SSP ensures you receive the compensation entitled to you during your recovery. Let’s go through the steps you’ll need to take.

First, inform your employer about your illness. Prompt communication is vital. Nearly all employers require you to inform them within a set timeframe usually this is within 7 days but your company may have different rules so it’s important to check your employment contract or company handbook.

Documentation is your next step. You’ll need to provide a fit note (formerly known as a sick note) from a GP or relevant medical professional if your illness lasts for more than 7 days. This note will serve as official evidence to your employer that you’re medically unfit for work. For illnesses under 7 days, your employer may ask you to fill out a self-certification form or they might accept your own written notice.

Following that, your employer should handle your SSP claim. They’ll calculate your SSP based on your regular wages and considering any eligibility criteria. As per regulations the SSP rate is £99.35 per week and you can receive it for up to 28 weeks.

Consider Jane’s case, a client of Money Back Helper. She was off work for three months due to a back injury. On contacting Money Back Helper, she realized she wasn’t claiming the right amount of SSP. With professional guidance, she secured the correct payments retroactively.

Similarly, if you’re a victim of financial mis-selling and you’ve been compensated for a mis-sold product, such as PPI, pensions, or mortgages, this shouldn’t affect your SSP entitlement. Your SSP is a separate provision and is not impacted by such compensations.

Ensure you’re tracking the dates and payments received closely. If in doubt Money Back Helper can cross-reference your payments with your entitlement to ensure you’re receiving the correct amount.

Remember you’re not alone in this process. Firms like Money Back Helper are dedicated to assisting individuals in understanding their entitlements in situations of illness and potential mis-sold financial products. They can provide the guidance and support you need to reclaim what is rightfully yours.

Statutory Sick Pay and COVID-19

With the onset of the COVID-19 pandemic, understanding how it affects your Statutory Sick Pay (SSP) rights is crucial. You’re entitled to SSP from day one if you’re unable to work because you’ve contracted COVID-19 or are self-isolating following government guidelines.

Eligibility During the Pandemic

The usual SSP eligibility criteria apply, even in the context of COVID-19. However, the government has made temporary amendments to support those affected by the pandemic. As long as you earn at least £120 a week and have informed your employer promptly, you’re entitled to receive £96.35 per week for up to 28 weeks.

Noteworthy Adjustments

  • SSP from Day One: For COVID-19 related cases, the three waiting days that usually apply for SSP have been waived.
  • Shielding Employees: If you’ve been advised to shield by a health professional, you qualify for SSP.

Documenting Your Illness

As with any sickness, you need to provide evidence if you’re ill for more than 7 days. Due to the pandemic, obtaining a fit note can be done through an online consultation. You must ensure that your illness or isolation is properly documented, as it’s essential for SSP claims.

Real-Life Applications

A client of Money Back Helper, Mr. Archer, was mis-sold a mortgage while off work due to COVID-19. Concerned about his finances, he sought Money Back Helper’s expertise to claim both SSP and compensation for the mis-sold mortgage. The clear and accurate claims process, coupled with diligent tracking of his SSP payments, meant Mr. Archer recovered financially while receiving his entitlement without disruption.

Navigating Complex Claims

If you’re seeking compensation for a mis-sold financial product and also need to claim SSP due to COVID-19, it’s vital to approach both concurrently. Your compensation claim does not impact your eligibility for SSP. Money Back Helper can guide you through the complex process, ensuring you don’t lose out on either front.

Remember, your rights during these unprecedented times are safeguarded, and assistance is available to help you navigate the complexities of SSP claims in the context of the COVID-19 pandemic.


Navigating the intricacies of Statutory Sick Pay can be daunting, especially in light of the recent changes due to COVID-19. Remember, you’re entitled to support when illness strikes and staying informed is key. Make sure to communicate swiftly with your employer and secure the necessary documentation to validate your claim. With the right approach and guidance from experts like Money Back Helper, you’ll be well-equipped to ensure you receive the SSP you deserve while also addressing any financial mis-selling issues without them impacting your SSP rights. Stay proactive and prepared to protect your financial well-being during times of health uncertainties.

Frequently Asked Questions

What is Statutory Sick Pay (SSP) and who is eligible?

SSP is a payment made by employers to eligible employees who are unable to work due to illness. To qualify, you must be employed and have been ill for at least four consecutive days, including non-working days.

How do I claim SSP?

You should inform your employer of your illness as soon as possible, and provide a fit note from a doctor if you’re ill for more than seven days in a row. Compliance with your employer’s specific reporting procedures is also necessary.

Does receiving compensation for financial mis-selling affect my SSP entitlement?

No, receiving compensation for financial mis-selling does not affect your entitlement to SSP.

How has COVID-19 affected the rights to SSP?

Due to COVID-19, individuals can now claim SSP from the first day of illness or self-isolation following government guidelines. The usual three-day waiting period has been waived for COVID-related absences.

What should I do if I’m self-isolating or shielding because of COVID-19?

If you’re self-isolating or advised to shield due to COVID-19, you are entitled to SSP. Ensure you follow the correct procedure for reporting your situation to your employer and provide any necessary documentation.

How can Money Back Helper assist with SSP claims?

Money Back Helper can offer guidance and support in navigating the process of claiming SSP, as well as helping clients secure the correct amount of SSP in the context of their individual circumstances.

Scroll to Top