CHAP can help you to claim the benefits you are entitled to

Laura Houston • 12 December 2022

Here at CHAP, we support clients with a wide range of circumstances, each of which requires independent support/advice that varies per person.


We would like to share with you the story of John and his daughter, Jane. This is one of CHAP’s success stories in which we were able to help two people get the support and benefits they needed in order to improve their quality of life.


CHAP first came into contact with John when he was referred to us by the NHS when looking for help with benefits related to him having several, complex health issues. CHAP contacted John and arranged an appointment with one of our experienced benefits advisors.


During his appointment, the adviser walked John through the disability benefits application process and submitted the form on his behalf. John felt that thanks to CHAP he was able to get the support necessary to complete his lengthy application. After speaking with John, we found out that his daughter Jane (who he lived with) also had health conditions, meaning that she could also apply for the same disability benefit as John. We therefore booked a follow up appointment for Jane where we assisted her to complete and submit the application form. Jane also felt that CHAP were incredibly helpful in navigating the benefits system as we had not only helped them both complete the initial form but also identified new relevant benefits which could support John and Jane if their application was successful.


Both John and Jane were awarded Personal Independence Payment (PIP), which came with sizeable, backdated payments of almost £3,000 for the household. This made it easier for them to support their health conditions which make day-to-day living much more difficult and expensive. Due to being awarded PIP, the advisor identified that both John and Jane could be eligible to apply for Carer’s Allowance, given the support that they provide to each other. CHAP assisted both individuals to submit a claim for this benefit, which was also successfully awarded. Once again both were very happy with this outcome and the cases were closed with Jane being referred to our peer advocacy service to gain support in her recovery from addiction-related issues.


During these times of the cost-of-living crisis where bills are soaring, and maintaining everyday life is getting harder, it’s important to make sure that you are getting all the support you need. So, reach out now on 030 0002 0002 or email us on enquiries@chap.org.uk.


***This is a case study written for use on the CHAP social media platforms. Any identifying facts and information have been edited to conceal identities. For the purposes of this case study the names John and Jane have been used to represent the clients and preserve anonymity. These names are a pseudonym and shouldn’t be used to assume the demographics of the anonymous clients.

by John Edgar 1 June 2026
Our second Killie 2 Coast fundraising walk took place on Friday 22nd May and what a day it was! Following the success of our inaugural event in 2025, we were thrilled to see K2C return bigger and better this year, with participants joining us for all or part of the updated 18-mile route through Dreghorn, Irvine, Kilwinning, Stevenston and Saltcoats before reaching the finish line at our main office in Ardrossan. Thankfully, the weather remained dry throughout the day and temperatures were cooler and kinder to our walkers than last year's event, which took place during one of the warmest days of the month. The more comfortable conditions allowed participants to enjoy the journey and let the conversations flow. We were particularly delighted to be joined by fantastic workplace teams from Morgan Sindall Construction and We Work For Families , whose enthusiasm, determination and fundraising efforts helped make the day such a success. A special thank you must also go to KA Leisure , whose support for the event was invaluable. Not only did they kindly allow us to use facilities at The Portal in Irvine as a key stop on the route, but they also supplied the much-loved Activator Bus , which provided encouragement and and motivation for walkers as they tackled the final stage of the journey towards the finishing point. A Huge Thank You We're thrilled to share that this year's K2C event has raised a total of £1,385 so far. We would like to thank every single person who took part, made a donation, shared our social media posts, sponsored a walker, volunteered their time, or simply cheered us on as we passed through their area. And of course, thanks to all the CHAP staff and trustees for their hard work and commitment for making this year's K2C the best yet! As always, events like Killie 2 Coast are only possible thanks to the generosity of local businesses and community partners. We would like to extend our sincere thanks to all of our sponsors and supporters who helped keep walkers fuelled, hydrated and motivated throughout the day: Branding Hub Ayr Brownings the Bakers Dreghorn Library Greggs Foundation Morgan Sindall Construction Morrisons SK Tes If you’d still like to make a contribution, we'll be able to accept donations until 13th June - JUSTGIVING All donations received will go toward helping CHAP continue delivering free advice and support to individuals and families in need across Ayrshire. Thank you to everyone who helped make Killie 2 Coast 2026 such a memorable day. We look forward to building on this year's success and welcoming even more walkers for Killie 2 Coast 2 027!
by John Edgar 19 May 2026
Many individuals and families across North Ayrshire are experiencing increasing pressures around finances, wellbeing, housing and day-to-day living. Money Max has been created to provide practical, person-centred support that helps people overcome barriers, improve financial wellbeing and access the right services for their needs.
by John Edgar 20 April 2026
We’re delighted to announce that CHAP’s Killie 2 Coast fundraising walk is returning on Friday 22nd May 2026 - and we’d love you to be part of it. Following the incredible success of our inaugural event in 2025, this year’s walk promises to be even bigger and better. With support from our partners at KA Leisure, we're aiming to build on the fantastic community spirit and energy of the participants that made last year so memorable. A Look Back at 2025 One of the highlights of 2025 was our first ever Killie 2 Coast walk, which brought together staff, trustees and supporters for an inspiring 18-mile journey from Kilmarnock to Ardrossan. Taking place during one of the warmest days of the month, participants set off from our outreach hub at CentreStage and made their way to the coast, raising over £2,500 for CHAP’s frontline advice services. More than just a fundraiser, the event created a real sense of togetherness as walkers shared conversations, laughter and encouragement along the way. It also became clear that many found the day to not only be a great physical challenge, but also a fantastic boost for mental wellbeing. To everyone who took part, donated or supported the event last year - thank you. You made it something truly special! What to Expect in 2026 This year, we’ll once again be taking on the 18-mile walk , starting from CentreStage in Kilmarnock at 9am , and making our way through Dreghorn, Irvine, Kilwinning and Stevenston before finishing along the coast from Saltcoats to Ardrossan. The full route takes approximately 6.5 hours , but you don’t need to complete the entire distance to get involved. Walk Your Way Whether you’re looking for a challenge or simply want to be part of the day, Killie 2 Coast is designed to be inclusive and flexible: Take on the full 18-mile route if you’re up for the challenge Or join us at one of the towns along the way and walk a section that suits you We’ll be following the main transport routes through key locations including Dreghorn, Irvine, Kilwinning and Stevenston, making it easy for local people to join in and be part of the journey. Why We Walk Every step taken helps raise vital funds for CHAP’s services, supporting people across Ayrshire who are facing housing issues, debt and financial hardship. By taking part, you’ll be helping us continue to provide free, independent, and confidential advice to those who need it most. 
British coins resting on top of various British bank notes.
by John Edgar 30 March 2026
People across Scotland who receive certain Social Security Scotland payments will see their payments increase from April 2026 as part of the Scottish Government’s annual up-rating process. The new rates reflect inflation and are intended to help people keep up with rising living costs. The key message for anyone already receiving these payments is simple: you do not need to do anything. If you already get an eligible payment, the increase should be applied automatically. For many households, any increase will be welcome. But with the cost of essentials still placing pressure on budgets, it is more important than ever that people know what support is available and make sure they are receiving everything they are entitled to. Which payments are increasing? Below is a summary of some of the key updated payment rates from April 2026. Adult Disability Payment Adult Disability Payment helps with the extra costs of living with a disability or long-term health condition for people of working age in Scotland. It includes a daily living component and a mobility component. New Adult Disability Payment rates for 2026/27: Daily Living Component - Enhanced Rate: £114.60 per week Daily Living Component - Standard Rate: £76.70 per week Mobility Component - Enhanced Rate: £80.00 per week Mobility Component - Standard Rate: £30.30 per week Transitional Rate - £30.30 per week Carer Support Carer Support is available for people who provide regular and substantial care to someone receiving a qualifying disability benefit. In Scotland, this support is replacing Carer’s Allowance and includes different components depending on individual circumstances. New Carer Support rates for 2026/27: Carer Support Payment component: £86.45 per week Carer Additional Person Payment component: £10.40 per week Scottish Carer Supplement component: £11.70 per week The earnings limit for Carer Support will also increase to £204 per week. This is especially important for unpaid carers who are trying to balance caring responsibilities with part-time work or other commitments. Child Disability Payment Child Disability Payment helps with the extra costs of caring for a disabled child or young person in Scotland. It can include both a care component and a mobility component, depending on the child’s needs. New Child Disability Payment rates for 2026/27: Care Component - Highest Rate: £114.60 per week Care Component - Middle Rate: £76.70 per week Care Component - Lowest Rate: £30.30 per week Mobility Component - Higher Rate: £80.00 per week Mobility Component -Lower Rate: £30.30 per week The related Child Winter Heating Payment will also increase to £265.50. Pension Age Disability Payment Pension Age Disability Payment is for older people in Scotland who have a disability or long-term health condition and need help with personal care or supervision to stay safe. It has replaced Attendance Allowance in Scotland. New Pension Age Disability Payment rates for 2026/27: Higher Rate: £114.60 per week Lower Rate: £76.70 per week For people who are being transferred from Attendance Allowance, Social Security Scotland has also made clear that this process is automatic, with no need to reapply. These increases should be made automatically from April 2026 for all eligible existing claimants. Reminder: existing claimants do not need to contact Social Security Scotland or make a new application as the new rates will be applied automatically. For full details of the updated rates and wider financial support available, please visit the Scottish Government website . Rising support matters - but many households are still under pressure While any increase in support is important, we know that many households are still facing serious financial pressure. Across Scotland and the wider UK, too many people are already trying to manage on budgets that have been stretched beyond what feels sustainable. Partly due to world events, we're all experiencing rising costs for essentials such as energy, rent, fuel, food and household bills. This accumulation of financial pressures can leave many people in a very difficult position. We agree with the wider message being shared by many advice organisations across the country: more support is still needed for households at crisis point. In particular, there is a strong case for: better targeted help for people struggling most with energy bills more action to address rising rent and housing costs faster support for people trapped in debt or financial hardship These are not just policy issues - they affect real people, real families and real communities every day. CHAP is here to help At CHAP, we know that even when support is available, it's not always easy to know what you might be entitled to, how to apply, or what to do when money is tight. If you're struggling financially, our fully accredited team of advisers may be able to help. We can: carry out benefit eligibility checks help make sure you are claiming everything you are entitled to provide support with money worries, debt, housing issues and wider financial pressures If you are worried about your finances, you don't have to deal with it alone. Reach out to us on Freephone 030 0002 0002 to arrange an appointment.
by John Edgar 16 March 2026
We know that attending an appointment at our main office in Ardrossan isn’t always convenient or practical for everyone. To help make our services accessible as possible, CHAP offers regular outreach appointments at a number of locations across Ayrshire. This allows us to meet people closer to where they live and ensure that help and advice is available within their local communities. Below you’ll find a list of our current outreach locations and the days our advisers are available. Please note that all appointments must be booked in advance as we're unable to offer a drop-in service. To arrange an appointment, please call Freephone 030 0002 0002 . North Ayrshire Dalry Dalry Library 14 The Cross, Dalry KA24 5AW Available on Tuesdays only Dreghorn Dreghorn Library 21 Main Street, Dreghorn KA11 4AQ Available on Mondays only Irvine Fullarton Community Hub 1 School Lane, Irvine KA12 8DF Available on Wednesdays only Kilbirnie The George Steven Community Hub Craigton Road, Kilbirnie KA25 6LJ Available on Thursdays only Kilwinning Cranberry Moss Community Centre Cambusdoon Place, Kilwinning KA13 6SL Available on Mondays only Stevenston CEIS, Stevenston Library, 1 Main Street KA20 3AB Available on Wednesdays & Thursdays only East Ayrshire Cumnock Yipworld 39 Barrhill Road, Cumnock KA18 1PG Available on the 3rd Wednesday of each month only Dalmellington The Zone Initiative 10 High Main Street, Dalmellington KA6 7QN Available on the 1st Wednesday of each month only Kilmarnock CentreStage Neighbourhood 15 Elmbank Drive, Kilmarnock KA1 3AE Available on Tuesdays & Thursdays only Newmilns Commando Factory Gym 14 Stoneygate Road, Newmilns KA16 9AL Available on the 4th Wednesday of each month only Stewarton Stewarton Community Hub 4 Rigg Street, KA3 5LE Available on the 2nd Wednesday of each month only South Ayrshire Ayr (Council Tax debt advice only) Ayr Housing Aid Centre 7 York Street KA8 8AN Available on Wednesdays only (excluding the last week of the month)

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by John Edgar 1 June 2026
Our second Killie 2 Coast fundraising walk took place on Friday 22nd May and what a day it was! Following the success of our inaugural event in 2025, we were thrilled to see K2C return bigger and better this year, with participants joining us for all or part of the updated 18-mile route through Dreghorn, Irvine, Kilwinning, Stevenston and Saltcoats before reaching the finish line at our main office in Ardrossan. Thankfully, the weather remained dry throughout the day and temperatures were cooler and kinder to our walkers than last year's event, which took place during one of the warmest days of the month. The more comfortable conditions allowed participants to enjoy the journey and let the conversations flow. We were particularly delighted to be joined by fantastic workplace teams from Morgan Sindall Construction and We Work For Families , whose enthusiasm, determination and fundraising efforts helped make the day such a success. A special thank you must also go to KA Leisure , whose support for the event was invaluable. Not only did they kindly allow us to use facilities at The Portal in Irvine as a key stop on the route, but they also supplied the much-loved Activator Bus , which provided encouragement and and motivation for walkers as they tackled the final stage of the journey towards the finishing point. A Huge Thank You We're thrilled to share that this year's K2C event has raised a total of £1,385 so far. We would like to thank every single person who took part, made a donation, shared our social media posts, sponsored a walker, volunteered their time, or simply cheered us on as we passed through their area. And of course, thanks to all the CHAP staff and trustees for their hard work and commitment for making this year's K2C the best yet! As always, events like Killie 2 Coast are only possible thanks to the generosity of local businesses and community partners. We would like to extend our sincere thanks to all of our sponsors and supporters who helped keep walkers fuelled, hydrated and motivated throughout the day: Branding Hub Ayr Brownings the Bakers Dreghorn Library Greggs Foundation Morgan Sindall Construction Morrisons SK Tes If you’d still like to make a contribution, we'll be able to accept donations until 13th June - JUSTGIVING All donations received will go toward helping CHAP continue delivering free advice and support to individuals and families in need across Ayrshire. Thank you to everyone who helped make Killie 2 Coast 2026 such a memorable day. We look forward to building on this year's success and welcoming even more walkers for Killie 2 Coast 2 027!
by John Edgar 19 May 2026
Many individuals and families across North Ayrshire are experiencing increasing pressures around finances, wellbeing, housing and day-to-day living. Money Max has been created to provide practical, person-centred support that helps people overcome barriers, improve financial wellbeing and access the right services for their needs.
by John Edgar 20 April 2026
We’re delighted to announce that CHAP’s Killie 2 Coast fundraising walk is returning on Friday 22nd May 2026 - and we’d love you to be part of it. Following the incredible success of our inaugural event in 2025, this year’s walk promises to be even bigger and better. With support from our partners at KA Leisure, we're aiming to build on the fantastic community spirit and energy of the participants that made last year so memorable. A Look Back at 2025 One of the highlights of 2025 was our first ever Killie 2 Coast walk, which brought together staff, trustees and supporters for an inspiring 18-mile journey from Kilmarnock to Ardrossan. Taking place during one of the warmest days of the month, participants set off from our outreach hub at CentreStage and made their way to the coast, raising over £2,500 for CHAP’s frontline advice services. More than just a fundraiser, the event created a real sense of togetherness as walkers shared conversations, laughter and encouragement along the way. It also became clear that many found the day to not only be a great physical challenge, but also a fantastic boost for mental wellbeing. To everyone who took part, donated or supported the event last year - thank you. You made it something truly special! What to Expect in 2026 This year, we’ll once again be taking on the 18-mile walk , starting from CentreStage in Kilmarnock at 9am , and making our way through Dreghorn, Irvine, Kilwinning and Stevenston before finishing along the coast from Saltcoats to Ardrossan. The full route takes approximately 6.5 hours , but you don’t need to complete the entire distance to get involved. Walk Your Way Whether you’re looking for a challenge or simply want to be part of the day, Killie 2 Coast is designed to be inclusive and flexible: Take on the full 18-mile route if you’re up for the challenge Or join us at one of the towns along the way and walk a section that suits you We’ll be following the main transport routes through key locations including Dreghorn, Irvine, Kilwinning and Stevenston, making it easy for local people to join in and be part of the journey. Why We Walk Every step taken helps raise vital funds for CHAP’s services, supporting people across Ayrshire who are facing housing issues, debt and financial hardship. By taking part, you’ll be helping us continue to provide free, independent, and confidential advice to those who need it most.