We have listed a variety of offers that you are able to engage with personally or signpost colleagues to who may need this support. These offers are also open to healthcare staff who provide NHS services but are not directly employed by the NHS and to all social care staff.

Financial wellbeing support

Expand each section below to learn more about the financial advice available to you.

For all health and social care staff

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The Money Helper (formerly known as the Money Advice Service) is an organisation who work to improve people’s financial wellbeing across the UK, are working with NHS England and NHS Improvement to provide all our NHS employees with free and independent financial support.

  • Free telephone: 0800 448 0826
  • Whatsapp: Add 07701 342744 to your WhatsApp and send the Money Advice Service’s national support team a message for help with sorting out your debts, credit questions and pensions guidance.
  • Webchat: Chat to Money Helper Service team via their online portal

UNISON provides a one-off grant to help with essential expenses such as food and bills, general living costs, household appliances, urgent repairs, disability equipment and adaptations, utility bills and funeral costs. To be eligible to apply for financial assistance, you must have been a member of UNISON for at least four weeks and up to date with your subscriptions.

*Check with your organisation if they have Unison representative you can get in touch with*

For more details: www.unison.org

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This charity has two grants:

  • Crisis grants – For care workers who have experienced a recent change in circumstance resulting in a significant financial impact.
  • Covid-19 Emergency Fund grant - Emergency funding for care workers who have suffered a drop in income due to Covid-19, or who need financial support because of a Covid-related circumstance. This extends to additional roles such as cooks/kitchen assistants, housekeepers or domestic workers, maintenance staff, drivers and admin staff (team leaders/supervisors and personal assistants)

For more details: www.thecareworkerscharity.org.uk


Turn2us helps people in financial need gain access to welfare benefits, charitable grants and other financial help – online, by phone and face to face through partner organisations. 

For more details: www.turn2us.org.uk

For nurses

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The RCN Lamplight Support Service is a telephone advice and information service for nursing team.
You may be eligible for a Lamplight Support Service hardship grant if you're a current or former nurse, midwife, healthcare assistant and associate. In certain circumstances, they can help a nursing student. You don't need to be a member of the Royal College of Nursing.

  • RCN Members: 0345 772 6100
  • Non RCN Member: 0345 772 6200

Lines are open 8.30am to 8.30pm, seven days a week

For more details: www.rcnfoundation.rcn.org.uk

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Cavell Nurses Trust is a charity that supports UK nurses, midwives and healthcare assistants (working and retired) when they’re suffering personal or financial hardship often due to illness, disability, older age and domestic abuse. They provides this support through one-off grants to relieve financial hardship and rapid emergency funding for those at great risk.

For more details: www.cavellnursestrust.org

For ambulance staff

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Provides support to all present and past ambulance staff and their families in time of need, both in the NHS and independent sector. Services are independent and confidential and include psychological rehabilitation and counselling, including stress and PTSD support (physical rehabilitation, financial grants, debt advice, welfare and other support and bereavement support).

For more details: www.theasc.org.uk

For social workers 

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The small charity offers a one off, limited financial help to social workers – including retired social workers – and their dependents in times of hardship, for example when experiencing sickness, bereavement, family difficulties or sudden catastrophe.

For more details: www.swbt.org

For civil servants

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The Charity for Civil Servants (formerly The Civil Service Benevolent Fund) supports all civil servants, past and present, throughout their lives, with whatever problems they may have.

For more details: www.foryoubyyou.org.uk

Further NHS financial wellbeing offers and resources are available here.

  • Budget Planner Tool: this free Budget Planner puts you in control of your household spending and analyses your results to help you take control of your money. It’s already helped hundreds of thousands of people.

  • Quick Cash Finder Tool: use this quick cash finder tool to discover how you could quickly find and save money by simply cutting back on some of your regular spending.

  • Debt Advice Locator Tool: if you’re struggling with debt, it can be hard to know where to turn. But with lots of free national and local advice services available across the UK, you can use this tool to find help in a way that’s best for you.

  • Debt and borrowing: for taking control of debt, getting free debt advice, and how to borrow affordably.​​​​​​​​​​​

  • Benefits: find out what benefits you’re entitled to and learn about Universal Credit.​​​​​​​

  • Budgeting and managing your money: advice on running a bank account, planning your finances, and cutting costs.​​​​​​​

  • Work and redundancy: advice on understanding your employment rights, what in-work benefits you might be entitled to and how to handle redundancy.​​​​​​​

  • My Money: find loads of bright ideas, money saving tips and step by step recipes for saving money – let My Money help you keep more of your hard-earned cash.​​​​​​​

  • Help with scams: advice for spotting, avoiding and recovering from scams.

An impact of the current Covid-19 restrictions may mean that many households, of which NHS colleagues form a part, are financially compromised. This can contribute to increased levels of stress and anxiety for these colleagues, at a time when stress and anxiety may already be heightened.

If you're finding things difficult, talk to us today, we can help refer or signpost you to appropriate services such as Citizens Advice Bureau for further support.

Search for your local Citizens Advice Bureau here.

You can access a series of recorded web events on managing your money with experts. Watch this one below by Thrive Ldn:

The Money Helper (formerly known as Money Advice Service)

The Money Helper publish regular videos to their Youtube channel here. Videos cover topics such as:

  • Budgeting and managing money
  • Renting and mortages
  • Debt and borrowing
  • Making and saving your cash
For managers and team leaders

Money worries can have a huge impact on your mental health – financial stress can lead to sleepless nights, anxiety, and an inability to fully focus on your work.

However, as an employer, there are some steps you can take to help your staff to manage their financial wellbeing.

Why should employers be concerned about the financial wellbeing of their staff?

This negative cycle can affect us in the workplace too. Two-thirds of employees who are struggling financially report at least one sign of poor mental health that could affect their ability to function at work. These include loss of sleep, poor concentration, and reduced motivation. Poor treatment in work can make this all the more difficult, with one in five people who have experienced mental health problems saying they’ve faced discrimination in the workplace due to their mental health.

Employers have the power to improve both the financial and mental wellbeing of their workforce, as well as their productivity, by introducing new processes or resources that build financial resilience, creating a culture of support and providing essential help once problems have set in.

Mental Health at Work toolkit

In this toolkit by Mental Health at Work, they have brought together some resources you can use to create a culture of financial wellness at work.

Source: www.mentalhealthatwork.org.uk


There are two NHS Pension schemes. There's the 1995/2008 Scheme and the 2015 Scheme. The NHS Pension Scheme overview gives you more detail about each Scheme. You can also visit this page for more information.

Did you join the NHS pension scheme on or before 31 March 2012 and were still a member of the scheme on or after 1 April 2015?

If your answer is yes it’s likely that you'll be part of the McCloud judgement remedy which resulted from the breach of age discrimination rules.

To help you understand financial wellbeing specialists ‘Affinity Connect’ are offering a 90 minute online course to health and social care staff across North West London.

The course will cover:

  • An overview of the McCloud judgement
  • The remedy and the options to consider
  • The final salary link 2015 – 2022
  • The changes to your pension from 1 April 2022
  • Flexible retirement and your options
  • Taxation and the impact of tax
  • Your next steps

Spaces are limited, to view upcoming dates and book your place, click here


Did you know as health and social care staff you have access to over hundreds of discounts and offers? Learn more... 

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Blue Light Card provides those in the NHS, emergency services, social care sector and armed forces with discounts online and in-store. For just £4.99, you can register for 2-years access to more than 15,000 discounts from large national retailers to local businesses across categories such as holidays, cars, days out, fashion, gifts, insurance, phones, and many more.

To sign up visit the Blue Light Card website

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Find exclusive discounts, cashback and vouchers for NHS and healthcare workers.

Click here to visit the website



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Staff working in the NHS who would like to lose weight and improve their health and wellbeing. If you have a BMI of 30 or greater (or 27.5 or greater for staff from Black, Asian and other minority ethnic groups), you can now access a free, online 12-week weight management programme which is personally tailored to support your journey to a healthier lifestyle.

Signing up is quick and easy – just click here for more information and to join today!



Do you like skiing or snowboarding but haven't hadthe chance to get away?
Snozone is Europe's largest indoor snow resort and NHS staff can take advantage of a free two hour liftpass every week. Please note that passes are not for pure beginners. Find out more here.

Wellbeing offers

NHS staff have been given free access to a number of wellbeing apps to support with their mental health and wellbeing. We've selected a few you can download today.

NHS staff have been given free access to a number of wellbeing apps to support with their mental health and wellbeing. Find further details on the NHS England website, we've listed a select few below:

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Bright Sky is a free to download mobile app providing support and information for anyone who may be in an abusive relationship or those concerned about someone they know. The app is also available to use in Polish, Punjabi and Urdu.


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The Cityparents programme consists of a curated collection of positive and practical support for working parents, delivered through expert-led webinars/seminars, advice, peer insights, online articles, blogs and podcast. Their aim is to help working parents and those with caring responsibilities develop skills, enhance family life, improve wellbeing and support work / life balance.



Headspace is a science-backed app in mindfulness and meditation, providing unique tools and resources to help reduce stress, build resilience, and aid better sleep.


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Liberate Meditation is a meditation app that offers culturally sensitive and diverse meditations and talks that have been curated for the BAME community. The app aims to help reduce anxiety, alleviate stress and promote rest. Led by experienced teachers that identify as POC/BAME on topics such as sleep, mindfulness, grief, and anxiety.



Sleepio is a clinically evidenced sleep improvement programme that is fully automated and highly personalised, using cognitive behavioural techniques to help improve poor sleep.



The Stay Alive app is a suicide prevention resource for the UK, packed full of useful information and tools to help you stay safe in crisis. You can use it if you are having thoughts of suicide or if you are concerned about someone else who may be considering suicide.



Unmind is a mental health platform that empowers staff to proactively improve their mental wellbeing. Using scientifically backed assessments, tools and training you can measure and manage your personal mental health needs, including digital programmes designed to help with stress, sleep, coping, connection, fulfilment and nutrition. If you are an NHS staff member, you can access Unmind for free here.

Talk to us at Keeping Well

Our Keeping Well practitioners are here to listen and provide support to you. If you would like to talk about anything causing you worry, anxiety or stress related to financial wellbeing, get in touch: