Benefits & finance after 16

This advice applies in Scotland only.

Things change at age 16. Find out what you should know – and where to get information and support.

A woman with glasses talks to another woman, whose back of head we see facing the camera.

In this article

Things to think about

Most benefits and entitlements come from one of three sources:

From their 16th birthday, the benefit system views a young person as an adult. If you feel your young person will struggle to manage their finances, you should ask about becoming an appointee so you can do this on their behalf. You should also consider getting Guardianship or Power of Attorney in place, particularly if your child might have income, savings or capital aside from benefits – for example, property inherited from a family member.

If the Department of Work and Pensions (DWP) has already appointed you to act for a young person, Social Security Scotland will need to review your appointment to make sure it works for the young person. Scottish law on appointees is different to UK law. It aims to give greater protection to clients. The Scottish government website has more information on this  – Rights and responsibilities as an appointee.

Scotland benefits information

We have lots of information elsewhere on our website about benefits in Scotland, including eligibility, how to apply, and how to appeal (all the links below will open in a new tab, so you don’t lose your place here):

See all our advice on welfare benefits in Scotland or all our UK-wide benefits information (link opens in new tab).

Other sources of financial support

Many charities, trusts and government schemes provide money for a range of things, from equipment and paying for holidays to help with education, health, transport and social care costs.

We have information in the money and debt section of our website (link opens in new tab) about other sources of financial support, including financial help schemes from your local council (link opens in new tab), such as the ILF Scotland Transition Fund and Technology Grant.

Finance and education

Young disabled adults going to college or university may qualify for help with accommodation costs, travel expenses and the cost of certain types of support.

Get more information on what’s available for young people going on to further education.

Self-directed support

If your child receives support from social services,  they might have different options for how they choose, manage and pay for care. In Scotland, having the choice of how you manage and pay for care services is known as self-directed support.

Parents can receive self directed support for a disabled young person up to 18 years old, or young people aged 16 or over can receive payments in their own right.

We have information about this in the social care section of our website (link opens in new tab).

Get a finance health check

Knowing what a person is entitled to is a good start.

You also need to know how their claim might affect benefits you receive, as their parent or carer. Sometimes there are choices and decisions to be made, so it’s important to speak to a benefits adviser to understand what’s best for your family as a whole.

It’s a good idea to get a benefit check every few years to make sure you aren’t missing anything, especially if there’s been a change in circumstances – for example a family member turning 16, or moving into paid employment.

Find out where and how to get a finance check.

Managing finances

Lots of people worry about managing money or find it difficult. If that’s you, don’t be afraid to ask for help.

Our web pages have tips on financial planning, managing a budget, dealing with debt and building your young person’s financial awareness.

Find out more about managing finances.

A child holding a tablet smiling at the camera, with her parent standing next to her with her arm around her.

Talking about Tomorrow

The key topics to think about as your child moves into adulthood.

return to homepage