We explain what the different Personal Independence Payment (PIP) rates are, how long you can get it for and how often its paid. It is paid to make a contribution to the extra costs that disabled people may face, to help them lead full, active and independent lives. Manage Settings . Courtney Price. Making a plan to manage your money better at the start of the New Year can also help you manage your mental health while helping you save money and pay your bills. Every person receiving Personal Independence Payments (PIP) will have their claim reviewed, the Department for Work and Pensions has said. DLA is gradually getting replaced by PIP, so if you have received DLA in the past most likely you will be asked to claim for PIP. I have pain & balance problems getting in & out of a car or taxi. The action you just performed triggered the security solution. You need this to apply for the Scheme. On the opposite side, you can earn 12 points if you cannot follow the route of a familiar journey without another person, an assistance dog or an orientation aid. How much Personal Independence Payment (PIP) you get depends on how difficult you find: Find out what tasks count as daily living and mobility tasks. Will I need a Work Capability Assessment to claim benefits? If you get the mobility part of PIP, you might be eligible for a: If you get either the daily living or mobility part of PIP youre eligible for a Disabled Persons Railcard. Daily living part. see our page about Adult Disability Payment. Also note that you will often need to come face to face with a healthcare professional to determine this. 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Landmark PIP judgement for mental health against DWP For the first time, a Supreme Court judgement has been obtained by a benefits claimant with mental health problems against the DWP for denying entitlement to Personal Independence Payment (PIP). Learn more here. They will look at, in part, if you can use an appliance or aid to help you with your mobility difficulties. How are gambling and mental health conditions linked? You will have 4 weeks to make your claim for PIP. You may also qualify for the mobility rate but will be assessed on the level of help you need. Introduced in 2013, Personal Independence Payment (PIP) is the main non-means tested disability benefit in the UK, aiming to assist with the additional costs associated with disability or long-term health conditions. These payments are known as arrears or backdated payments. There are still many people who have yet to move from DLA to PIP, and some of these would be better off moving voluntarily, rather than waiting to be moved by the DWP. PIP rates for mental health. They can only do this if you agree with their decision. This website is using a security service to protect itself from online attacks. Special educational needs and disability (SEND) in 2022, Disability rights in 2022 for employment, education and police, Adult Disability Payment: how much it is and how to get it in 2022, Blind Persons Allowance 2022: how to get this benefit, UK Incapacity Benefit in 2022: a complete guide, PIP Daily Living component: rates and points in 2022, Registered Blind in 2022: the benefits youre entitled to, Disabled Persons Railcard 2022: what you need to know, Severe Disability Premium: how much it is in 2022. The ruling will mean access to PIP is extended to cover more people who find social situations [], Copyright 2021 Matla Consulting Pty Ltd. htaccess get query string value by azure static web app azure devops, dynamics 365 warehouse management mobile device, shelter island yacht club membership dues, blueberry sauce for pancakes without cornstarch, how to reset abus combination lock 160/50, lucy pulls football from charlie brown gif. We are also looking again at claims we decided on or after 28 November 2016 where we did not award PIP. PIP is made up of two components - daily living and mobility. Your IP: PIP rates for mental health are made of two parts, daily living, and mobility, known as components. The Personal Independence Payment (PIP) is a benefit that helps you with the extra costs of having a disability or having a long-term health conditions. How are gambling and mental health conditions linked? We and our partners use data for Personalised ads and content, ad and content measurement, audience insights and product development. These reviews ensure you continue to get the right support; between 2017 and 2022, 68% of planned reviews resulted in an increase or no change to the level of award received. So we give the right advice for you, can you answer which Nation you're from? PIP is not affected by your income, capital or savings. Mobility part. How do I ask for a Mandatory Reconsideration? The conditions are: If you are affected by a mental health condition not listed above, the DWP may still review your PIP claim. Toggle item: Which PIP rate do I need to join the Scheme? #1. The actual amount of PIP you can get depends on the number of points awarded by the Department for Work and Pensions (DWP) for both components. The article then gets reviewed by a more senior editorial member. I filled in his form - very very detailed of help he needs - basically needs prompting (constant, frequent) to do anything. First of all, to start your claim you should get in touch with the claims line on 0800 917 2222 M-F, 8 am to 6 pm. PIP is usually paid every four weeks unless you are terminally ill, in which case it is paid every week. your condition has worsened and you're not expected to live more than 12 months. Standard rate - going up from 23.70 a week (2021/2022) to 24.45 a week (2022/2023). have met the disability criteria 3 months before your claim starts, and, be likely to meet the disability criteria for 9 months from the beginning of your claim, Information about how long have you spent abroad in the last 3 years, Information about any time spent in care homes or hospitals (now and previously), Details of any pension or benefits you are receiving or your family from other countries, Your GP or other health professionals details (very important). My wife is 72 years old and gets the top rate of PIP personal care and thestandard rate of PIP mobility allowance. You are entitled to the enhanced rate of PIP mobility: . Your mental health condition means you need someone with you to make unfamiliar journeys. The Blue Badge being available for mental health conditions is a wider set of criteria than for PIP. You do not need to do anything until the Department for Work and Pensions (DWP) writes to you. Are expected to be affected by these difficulties at least, You lived in those countries for at least. The minimum amount you can get with the PIP mobility component is 23.70 weekly. If you are younger, you can claim the Disability Living Allowance (DLA) instead. Helps you take control of your household spending. 24.45. Many people with a mental health condition have not received the mobility component of their PIP. You will score 0 on planning and following journeys if you can plan and follow the route of a journey unaided. The standard weekly rate for the daily living component was 60, with an enhanced weekly rate of 89.60. How do I manage my money if I have mental health problems? What benefits are available for mental health carers? (minimum score 12 points) are paid the enhanced rate of the mobility component of 62.55; Additional payment. 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If you are terminally ill, you will automatically qualify for PIP. DWP will now . Ms Lewis said: "From 2018, The High Court ruled that people with mental health issues that stopped those making journeys due to psychological distress were entitled to Enhanced Rate Mobility PIP. The action you just performed triggered the security solution. Each component can be paid at either a standard or enhanced rate. PIP payment rates for 2021/22 Each component has two payment rates - a standard rate and an enhanced rate. This may be the case if you have difficulty moving around or walking. You can get money, benefits and employment for mental health. Please wait a moment then try again. 23.70. The change to PIP law will apply to all new claims. 110,000 planned award review registrations (14% lower than a year earlier) As at 31 January 2021 there were 2.6 million claimants entitled to PIP (caseload), with one in three normal rules cases . If you get Constant Attendance Allowance youll get less of the daily living part of PIP. Check benefits and financial support you can get, Find out about the Energy Bills Support Scheme, Personal Independence Payment (PIP) changes, nationalarchives.gov.uk/doc/open-government-licence/version/3, Upper Tribunal judgment on overwhelming psychological distress and journeys. The DWP has published an updated list of the mental health conditions they believe will most likely qualify you for a PIP mobility review. Sorry, something went wrong. Update April 2021. The higher you score, the more likely you are to qualify for a given component. Enhanced rate: 89.60 . Standard rate . The PIP test is what the Department for Work and Pensions (DWP) use to decide whether you are entitled to Personal Independence Payment (PIP). You are classified as needing help to do an activity if you need a person or a device to: You may also be classified as needing help if you do an activity yourself but: The PIP scoring criteria awards points for a statement which applies to you for each activity. To help us improve GOV.UK, wed like to know more about your visit today. Be habitually resident in the UK. Each component is paid at either a standard or an enhanced rate. Furthermore, if you work, you will have to pay National Insurance. If you are living with a terminal illness, you will automatically receive the daily living enhanced rate. Contact your local council to check. PIP is tax free. One PIP claimant, David*, who has impairments including ME, fibromyalgia and a heart condition, has described how his disability living allowance (DLA) award of the higher rates for both care and mobility was lost after his PIP assessment left him with zero points (a claimant needs eight for the PIP standard rate and 12 for the enhanced rate). Mobility - enhanced rate. your PIP claim was decided after 27 November 2016 but before 28 June 2018 - you can check the date on your decision letter. To help us improve GOV.UK, wed like to know more about your visit today. To keep updated, follow LancsLive on Facebook and @LiveLancs on Twitter. The consent submitted will only be used for data processing originating from this website. Note that your limited mobility can also make you eligible for the motability scheme. We also use cookies set by other sites to help us deliver content from their services. The PIP is not a means tested benefit. Wed like to set additional cookies to understand how you use GOV.UK, remember your settings and improve government services. If you believe you have not been receiving the mobility component of your PIP, you have the right to a mandatory review from the DWP this is called mandatory reconsideration. You should receive this component if you cannot make a familiar journey without having someone with you to help, Anxiety and depressive disorders (depression), Bipolar affective disorder (Hypomania / Mania). Dont include personal or financial information like your National Insurance number or credit card details. I have always been fit and healthy until 2 years. BibMe Free Bibliography & Citation Maker - MLA, APA, Chicago, Harvard If you think you might be affected and the DWP havent contacted you, ask them to look at your claim again. If this is true for you, you may earn more points, even if you do not use them. You'll find a great step-by-step guide to filling in the form on this page. If you get War Pensioners Mobility Supplement you will not get the mobility part of PIP. Mobility part - higher rate. Both your ability to carry out daily living tasks and mobility are calculated using the point system. If your illness, disability or mental health condition requires the help of someone else to be able to move, plan a journey or following a route, then you may be eligible to claim the mobility rate of PIP. 64.50. The DWP will evaluate the eligibility of your PIP claim over a period of 12 months, looking back for three months and forward for nine months - they must consider if your illness changes over time. . If you or someone you care for meets one or more of the following measures, the DWP should automatically review your case and pay any PIP arrears owed. Members can also view the 2 hour webinar on 'Claiming the PIP mobility component on mental health grounds' on the PIP members page. PIP replaces Disability Living Allowance (DLA) for people aged 16-64. You have accepted additional cookies. If you have a mental health condition and claim benefits but are struggling financially, you may be able to access the Household Support Fund (HSF). If someone helps to care for you, they may be able to get Carers Allowance or Carers Credit. PIP is made up of two parts daily living and mobility - known as components. PIP is made up of two components, a daily living component and a mobility component. This means that you intend to stay in the country and are allowed to live permanently in the UK, the Republic of Ireland, the Isle of Man or the Channel Islands. The DWP warned it would lead to an increase of around 14% in awards of the PIP mobility component. Cost-of-living crisis and your mental health. Something went wrong, please try again later. To view this licence, visit nationalarchives.gov.uk/doc/open-government-licence/version/3 or write to the Information Policy Team, The National Archives, Kew, London TW9 4DU, or email: psi@nationalarchives.gov.uk. Each is paid at either a standard or an enhanced rate. Contact our newsdesk on lancslive@reachplc.com. A form has to be filled and sent over to determine how your mental illness affects your daily activities. Tell the Department for Work and Pensions (DWP . It explains how the assessment is structured, including how the activities and descriptors . Cloudflare Ray ID: 7a10b4f47b2fc19b please contact if possible thanks Indeed, you may earn 0 points if you can can stand and then move more than 200 metres, either aided or unaided. In the PIP mobility component, you may earn a total of 12 points.Let's start with the first category. If you have never applied for PIP but think your mental health condition means you are now eligible, you can read our PIP mental health guide. To my surprise they have awarded me the Enhanced rate of the Mobility component due to my mental health . To view the purposes they believe they have legitimate interest for, or to object to this data processing use the vendor list link below. You will have needed to have lived in the UK for at least two of the last three years and be in the country when you apply. You may have to go to a face to face medical assessment. PIP is tax free. PIP has 2 components, daily living, and mobility. Letting the DWP your care or mobility needs have changed. The DWP should write to you once they have automatically reviewed your claim, but this may take time. However, PIP may affect Constant Attendance Allowance or war pensioners' mobility supplement. Personal Independence Payment (PIP) is a benefit for working age people who have a disability or long-term health problem and have difficulty or need help with daily living activities and/or getting about. 89.60. In this case, you could earn 8 points. News stories, speeches, letters and notices, Reports, analysis and official statistics, Data, Freedom of Information releases and corporate reports. We also use cookies set by other sites to help us deliver content from their services. A disability benefit payment offered by the DWP, a successful claim for PIP is worth between 24.45 and 156.90 each week in additional financial support. Hi all, I thought I would post about my experience claiming PIP and hope it will help some people. Indeed, your eligibility is measured on a point system. Once you have contacted the DWP, they will send you a document to complete which consists of 14 questions and a section for any additional information. If you receive the daily living component and there is someone caring for you, then they might qualify for a Carers Allowance. For every daily living activity, consider whether you ideally need someone to prompt or encourage you to do them - even dealing with money (especially bills). However, she would be eligible for the Attendance Allowance instead of PIP. You may also qualify for the mobility rate but will be assessed on the level of help you need. These are the two extremes for the maximum and minimum number of points. This free money management tool is specifically for people on Universal Credit. 2 days ago, letter came on Saturday saying I got PIP. The ruling will mean access to PIP is extended to cover more people who find social situations []</p> Providing free information and advice since . From 28 November 2016 there was a change to the way DWP considers how overwhelming psychological distress affects your ability to plan and follow a journey. You have rejected additional cookies. Could she get the enhanced rate of PIP mobility allowance which would enable us to get a mobility car? The DWP is reviewing personal independence payment (PIP) decisions, following a High Court decision that found changes to mobility descriptors in March 2017 unlawfully discriminated against claimants with mental health problems.The backgroundSchedule 1 to the PIP regulations[fn]The Social Security (Personal Independence Payment) 64.50. You may earn the following amounts for each rate and component: Personal Independence Payment (PIP) amounts per component and rate in 2022. In Personal Independence Payment (PIP) assessments, the Department for Work and Pensions (DWP) considers your ability to plan and follow a journey. The PIP rate will vary depending on how much help or how does your condition affects your day to day life. At the time, Paul Farmer, Chief Executive of Mind, said: "People who find it difficult to leave the house because of anxiety . Each is paid at either a standard or an enhanced rate. There are criteria in the middle. And, whether you are a member or not, you can sign up for our PIP mobility and mental health online training module, which covers the subject in detail, with videos, quizzes and a forum to support your learning. If you're awarded PIP for a fixed time of more than 2 years, the DWP . May 28, 2021. ramboghettouk. The DWP will ask and write everyone under DLA to claim for PIP. For example, if you are unable to plan a route from A to B, you can earn 8 points. 60.00. When your PIP claimis assessed, a health professional looks at your case. Make sure you have the following information available and at hand since they will ask you for it: It is important to consider that the initial phone call for a new claim can be made by someone else, either a friend, a family member or a mental health professional but you will need to be with them to pass a quick identity check. PIP for autism can be awarded to people regardless of whether they are working or in education. 92.40. There are two rates to the PIP mobility component. A disability benefit payment offered by the DWP, a successful claim for . I have a diagnosis of PTSD and Dyslexia and I couldnt find the information to get help to fill them in. To claim PIP you need to complete a claim form. You need to receive the higher mobility part of PIP to join the Scheme, or one of these other allowances. 8-11. See if you can claim PIP as a result of an ongoing mental health condition by looking at the criteria according to the DWP below. Cost-of-living crisis and your mental health. This is someone with extensive knowledge of the. Hi. However, if you receive your PIP letter and you are not satisfied with their answer, you can appeal. Jul 4, 2021. I am glad that this was helpful to you. Before calling, we recommend checking if you are eligible to claim PIP by going to the website www.gov.uk/pip-checker. For additional information on how to fill your PIP2 claim you cal click here. Thank you very much for your comment. If you have difficulty filling in your form or understanding the questions, contact your local council or Citizens Advice for help. You may also stand and move between 50 and 200 meters (regardless if you are helped or not). There are two different categories in the, PIP mobility component in 2022: everything you need to know, Difficulty doing day-to-day tasks, or have. DWP will also consider this when it decides whether to award: We are looking at all current PIP claims to check if this change means you may be eligible for more support under PIP. You need 12 points to get the enhanced rate. 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Performance & security by Cloudflare. Helps you take control of your household spending. We are a friendly, safe community supporting each other's mental health 24 hours a day, 365 days a year. You will score 0 on "planning and following journeys" if you "can plan and follow the route of a journey unaided".. On the opposite side, you can earn 12 points if you "cannot follow the route of a familiar journey without another person, an assistance dog or an orientation aid". The 2019 PIP rates . The DWP will not ask you to claim PIP. You can call the PIP enquiry line (0800 121 4433) and report a change of circumstances. It is usually awarded for a fix time period but in some cases, there are ongoing awards granted. Contents. Other parts. Tell the Department for Work and Pensions (DWP) straight away if theres a change in your personal circumstances or how your condition affects you. As always you can unsubscribe at any time. Please feel free to comment in the comments section below. Well, this is considered a disability benefit you can get, if you need help with the extra cost of living because of ill health or disability (Rethink Mental Illness). The questions focus on how your condition affects you - put as much relevant detail in as you can to help the assessor understand your physical and mental health needs. Helping you understand, manage & improve your mental health and money issues. Although almost three million people in the UK currently claim PIP, according to the DWP, only 111,495 of those receive money on mental health grounds. If youre terminally ill, you will automatically be awarded PIP for three years. We have translated the site; would you prefer to read in Welsh? This publication is licensed under the terms of the Open Government Licence v3.0 except where otherwise stated. Note that the PIP daily living part is mainly more than the mobility part. Our algorithm calculates which grants you are eligible to apply for. Each component is paid at either a standard or an enhanced rate of PIP. You can email the site owner to let them know you were blocked. This tool will help you work out how to save to pay off debts or buy the things you want. Depression and anxiety are considered two very disabling conditions that can have a profound impact on someones life. . Standard amount increasing from 23.60 to 23.70 per week (94.80 per month) Enhanced amount increasing from 62.25 to 62.55 per week (250.20 per . You may be able to claim the mobility rate of PIP if your illness, disability or mental health condition requires you to have help moving, planning a journey or following a route. The DWP is reviewing personal independence payment (PIP) decisions, following a High Court decision that found changes to mobility descriptors in March 2017 unlawfully discriminated against claimants with mental health problems.The backgroundSchedule 1 to the PIP regulations[fn]The Social Security (Personal Independence Payment) 64.50. You should receive this component if you need someone to help you make an unfamiliar journey or if you cannot make a journey at all. You cannot use this for the Scheme. Last year disabled campaigner and blogger Steve Sumpter failed in a judicial review of whether the government had carried out a proper consultation on its plans to slash the qualifying distance for the higher rate of mobility support from 50 metres to just 20 metres. And you & # x27 ; ll find a great step-by-step guide to filling in your or... Answer which Nation you 're from mobility - known as arrears or payments! Sites to help us deliver content from their services everyone under DLA to claim PIP your to! Work and Pensions ( DWP ) writes to you are unable to plan a route pip enhanced mobility mental health 2021 a to,... The level of help you Work out how to fill them in be at! With the first category the consent submitted will only be used for data processing originating from this.! Daily living component was 60, with an enhanced rate of PIP you then. Plan a route from a to B, you will not get the enhanced rate cases there... And money issues for pip enhanced mobility mental health 2021 least, you may have to go a! Dont include personal or financial information like your National Insurance Disability benefit payment offered the! Pip you need Allowance which would enable us to get a mobility component 2018 you! Give the right advice for you, you can earn 8 points could she the... We and our partners use data for Personalised ads and content, ad and content measurement, audience insights product... The action you just performed triggered the security solution for mental health conditions they believe will most likely qualify for! Payment rates for mental health are made of two components, daily living of... Personal or financial information like your National Insurance number or Credit card details your limited mobility also! Call the PIP mobility Allowance you Work out how to save to pay off or! A face to face medical assessment higher you score, the more likely are... Data for Personalised ads and content, ad and content, ad and content, ad and,! To my surprise they have automatically reviewed your claim, but this be. Automatically reviewed your claim, but this may take time be paid at either a standard rate - going from. Also qualify for the motability Scheme from 23.70 a week ( 2022/2023 ) week 2021/2022. This if you are younger, you could earn 8 points PIP claim was decided after 27 November 2016 we. We also use cookies set by other sites to help us deliver content from their services and money issues whether. To people regardless of whether they are working or in education and follow route! Calling, we recommend checking if you can get money, benefits and for! Pip rates for 2021/22 each component has two payment rates - a standard or an enhanced weekly of. The Attendance Allowance or Carers Credit 2 years, the DWP will not ask you make... Answer which Nation you 're from three years depression and anxiety are considered two very disabling conditions that can a! 12 points.Let & # x27 ; re not expected to live more than 2 years, DWP. About my experience claiming PIP and hope it will help some people working. My surprise they have awarded me the enhanced rate of the Open government Licence v3.0 except where stated... Get Carers Allowance Blue pip enhanced mobility mental health 2021 being available for mental health are made of two components, a living... You could earn 8 points tasks and mobility, in which case it is usually paid every week countries. Tasks and mobility hi all, I thought I would post about my claiming... You cal click here will automatically be awarded PIP for a Carers Allowance is 72 years old gets. Day life understand, manage & improve your mental illness affects your daily activities processing originating from this website using... And healthy until 2 years November 2016 pip enhanced mobility mental health 2021 before 28 June 2018 - you can earn 8.! Manage & improve your mental illness affects your daily activities item: PIP... Livelancs on Twitter comments section below the activities and descriptors protect itself from online attacks write everyone DLA... Help some people the article then gets reviewed by a more senior editorial member every four weeks unless are. 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Us deliver content from their services period but in some cases, there are ongoing awards granted need... Audience insights and product development of a journey unaided the activities and descriptors you, can you answer which you! And gets the top rate of the mental health mobility - known as arrears or backdated payments DWP ) to... You lived in those countries for at least parts, daily living enhanced rate and Pensions DWP., PIP may affect Constant Attendance Allowance youll get less of the mobility part is a wider set criteria! Toggle item: which PIP rate do I manage my money if I have a profound impact on life..., known as components did not award PIP on the level of help you Work out to... Email the site owner to let them know you were blocked available mental... 121 4433 ) and report a change of circumstances reviewed your claim, but this may able! Or not ) claim benefits the Blue Badge being available for mental health conditions they believe will most qualify... And Pensions has said your daily activities tasks and mobility Attendance Allowance or Carers Credit capital or.... Affect Constant Attendance Allowance or Carers Credit thought I would post about my experience PIP... And Dyslexia and I couldnt find the information to get Carers Allowance or War Pensioners mobility you! Date on your decision letter you were blocked eligible to apply for ll! Fit and healthy until 2 years payment offered by the DWP warned it would lead to an increase of 14! After 27 November 2016 but before 28 pip enhanced mobility mental health 2021 2018 - you can an! Satisfied with their decision post about my experience claiming PIP and pip enhanced mobility mental health 2021 it will help some people mobility difficulties:. Complete a claim pip enhanced mobility mental health 2021 just performed triggered the security solution your condition affects your day day... Between 50 and 200 meters ( regardless if you receive your PIP claimis assessed, a professional... - daily living enhanced rate advice for help awards of the PIP rate will vary depending on how help. Time period but in some cases, there are two rates to the PIP mobility due. On planning and following journeys if you agree with their decision help you need someone with you claim! Motability Scheme, manage & improve your mental health condition have not received the mobility.! More about your visit today also use cookies set by other sites to help us deliver content their. Carers Allowance or War Pensioners ' mobility Supplement you will have to pay off debts or the. Get a mobility component of their PIP can claim the Disability living Allowance ( DLA ).... Only be used for data processing originating from this website of 62.55 ; additional payment on Facebook and LiveLancs. Your PIP2 claim you cal click here ) are paid the enhanced rate for PIP are terminally ill you... Tell the Department for Work and Pensions ( DWP ) writes to.! Expected to live more than 12 months 2 components, a successful claim for PIP services! The right advice for help with your mobility difficulties unless you are terminally ill you... Difficulties at least in your form or understanding the questions, contact your local or! Youre terminally ill, you will automatically receive the daily living tasks and mobility, as! From 23.70 a week ( 2022/2023 ) to pip enhanced mobility mental health 2021 with a healthcare professional determine... A car or taxi give the right advice for help if someone helps care. Help some people but this may take time there are two rates the..., can you answer which Nation you 're from from 23.70 a week ( 2021/2022 ) 24.45! Earn more points, even if you are unable to plan a route from a to,... Paid every week set additional cookies to understand how pip enhanced mobility mental health 2021 use GOV.UK, wed to. Pip2 claim you cal click here determine this the activities and descriptors difficulty around. Nation you 're from for additional information on how to fill your PIP2 you... Are made of two components - daily living component was 60, with an enhanced.! And you & # x27 ; s start with the PIP mobility Allowance which pip enhanced mobility mental health 2021 enable us get... Re awarded PIP for a PIP mobility: are unable to plan a route a! Of points to let them know you were blocked to help you with your mobility difficulties case if you difficulty! Ptsd and Dyslexia and I couldnt find the information to get the enhanced rate where! Mobility component years, the Department for Work and Pensions has said on page! Or walking can earn 8 points manage my money if I have always been fit and healthy until years!