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for Work and Pensions (DWP) plans, with up to 250,000 individuals at risk of losing their £9,747 annual allowance.
This includes vulnerable groups, such as 50,000 children, who could find themselves pushed into poverty due to DWP cuts starting in November 2026.
Overview of PIP Rates and Increases
As of April 7, 2025, the Personal Independence Payment (PIP) saw a 1.7% increase, impacting a range of DWP benefits. The new PIP rates now range from:
- £29.20 to £187.45 per week
- £116.80 to £749.80 every four weeks
- £1,518.40 to £9,747.40 annually
While this increase initially offers relief, the introduction of the “four-point rule” threatens to strip many PIP claimants of their benefits unless they score a minimum of four points on a daily living activity.
What Is the Four-Point Rule?
Under the new plans, claimants must score at least four points in a single daily living activity to qualify for Personal Independence Payment.
These assessments measure how difficult it is for an individual to carry out a range of activities necessary for daily living.
The points range from 0 to 12 for each activity, with higher scores indicating greater difficulty in performing essential tasks.
This new rule could result in many disabled people losing their allowance, despite having previously qualified for financial support.
Impact of the New Changes
According to the DWP’s projections, these cuts could have devastating consequences for over a quarter of a million people by 2029-2030.
The majority of those impacted will fall into relative poverty after housing costs are considered. Among them, 50,000 will be children, further exacerbating the financial hardship for families already struggling.
Government Reactions and Key Statements
In response to these changes, Sir Keir Starmer emphasized the need for reforms, stating, “The system is not working for those who need support; it’s not working for taxpayers.
Everybody agrees it needs reform.” He assured the public that the government was committed to reforming the system to ensure greater efficiency and fairness.
Sir Stephen Timms, on the other hand, sought to alleviate fears, clarifying that the nine out of ten people currently on PIP would still be receiving it after the reforms were implemented.
Timms emphasized that no one would lose their Personal Independence Payment immediately, with a reassessment process set to be carried out by trained assessors.
These reassessments, scheduled on average every three years, could see individuals who did not score four points in their previous assessments qualify in the future as their conditions worsen.
Potential Impact of the Four-Point Rule
| Category | Current PIP Rate | New PIP Rate Post-Cuts | Potential Impact |
|---|---|---|---|
| Weekly Rate | £29.20 to £187.45 | £29.20 to £187.45 | Affected by eligibility criteria |
| Four-Weekly Rate | £116.80 to £749.80 | £116.80 to £749.80 | Reduction for those not qualifying |
| Annual Rate | £1,518.40 to £9,747.40 | £1,518.40 to £9,747.40 | Up to £9,747 may be lost due to the new rule |
Future Outlook
The reforms are expected to take effect by November 2026, with reassessments ensuring that no one loses Personal Independence Payment without a thorough evaluation of their individual needs and circumstances.
While the four-point rule has stirred fear among some claimants, it is important to note that many individuals could continue to qualify for support as their conditions evolve over time.
The upcoming changes to Personal Independence Payment are set to have a profound effect on many disabled individuals, leaving them vulnerable to losing their vital financial support.
While the government promises to protect the most vulnerable, it’s essential that claimants stay informed and prepare for the reassessment process in 2026.
FAQs
What is the four-point rule in PIP?
The four-point rule requires claimants to score at least four points on a daily living activity to remain eligible for PIP.
Will I lose my PIP benefits immediately?
No, changes will not take effect immediately. Reassessments will occur over the next few years, with no one losing PIP without proper evaluation.
How often are PIP assessments carried out?
PIP assessments are typically conducted every three years unless the claimant’s condition worsens or there are changes in their circumstances.