If you have been awarded compensation for a personal injury either as a result of a legal claim or because you have received an insurance policy pay out , you may find that you are no longer eligible for certain means tested state benefits including Income Support, Jobseekers Allowance, Employment support allowance and Housing Benefit.

Of course, any compensation awarded to you was for a specific reason, such as to cover your lost earnings or to help you adapt to your new circumstances and injuries.

To ensure that your compensation is not taken into account when deciding whether you are entitled to benefits, and to help to protect your future, you may be able to place your money in a Personal Injury Trust. Personal Injury Trusts might allow you to continue receiving state benefits.

Our Personal Injury Trust department is the largest in the UK. We can give you expert help and advice on creating and managing a trust, or on setting up a trust if one of your children has been awarded compensation for an injury.

How Do Personal Injury Trusts Work?

Money held in a Personal Injury Trust can be accessed by “trustees”. Trustees manage the trust and will usually be you and your spouse or partner, or a parent, but may also be solicitors, especially if the compensation is for a child. The trustees hold the money on trust for the person who benefits from the trust, known as the Beneficiary. If money is needed from the trust, all trustees must agree to its release.

To remain eligible for state benefits your compensation should be placed in a specially designated trust bank or building society account that will be set up by your trustees. This money should be held separately from your personal finances.

You and your partner can have £6,000 (between you) outside of the personal injury trust before your benefits will be affected. You can top up your own account with money from your trust.

How We Can Help

Our experienced Personal Injury Trust team can provide expert assistance in all aspects of creating and managing a trust.

Offering clear and concise legal advice with your welfare at heart, our committed team will work with you in order to best protect your assets. We realise that this may be a stressful and difficult time in your life, so we will look to work quickly and efficiently to help you and your family.

Our specialist solicitors can advise you on:

  • What benefits you are entitled to or may become entitled to in the future
  • Whether a Personal Injury Trust is the right option for you
  • Who to appoint as trustees
  • The preparation of trust documents
  • What information to provide to your bank or building society to set up the trust bank account
  • How to run your trust in future to protect your entitlement to benefits
  • What documentation to provide to the Benefits Agency and Local Authority to ensure your benefit entitlement is protected
  • Tax returns for your trust
  • Accounts for your trust
  • Appointment of new trustees or removal of existing trustees


Top ranked Chambers & Partners 2019 

"Irwin Mitchell will always be the leaders in this country; the work they do is extraordinary."

Chambers & Partners 2019

Top Ranked Chambers & Partners 2020 logo 

"An effective and efficient firm who put their clients first."

Chambers & Partners 2020

Legal 500 UK Leading Firm 2020

"This team is the very best that the COP has to offer. There is a unique blend of talented public law lawyers and sensible welfare lawyers. The management of the team is exceptional - the cases are matched to the interests and skills of the lawyer."

Legal 500 2020

Contact Us To Discuss Personal Injury Trusts

For an initial discussion about Personal Injury Trusts, without obligation, contact our expert team on 0370 1500 100 or contact us online and we will get back to you.

0370 1500 100

Or we can call you back at a time of your choice

Phone lines are open 24/7, 365 days a year
Lucy Nicol
Lucy Nicol National Head of Court of Protection Meet the team

Awards & Accreditations

We're always proud to be recognised for the work we do for our clients and have been named as a leading firm in the latest legal guides - which provide information and recommendations about lawyers and law firms in the UK.

Legal 500 UK Top Tier Firm 2022
Legal 500 UK Leading Firm 2022
Chambers & Partners UK Top Ranked Firm 2022
APIL Accredited Practice
Legal 500 - 2024 Top Tier
Legal 500 - 2024 Leading Firm
Leading Firm 2023

What Our Clients Say

We truly value and appreciate the feedback we receive from our clients, as we look to improve the services we offer on an ongoing basis.

Read More Feedback
Very impressed

I am so happy i chose Irwin Mitchell as my solicitors, they have done nothing but help me threw my recovery since my tragic accident, I am still recovering and they do their absolute best to make my life easier…

Kayley hicken
Sheffield conveyancers are simply the best!

Fast friendly and efficient service from Sheffield team all dealt with electronically due to distance with buying on south coast... The price quoted was fair, fixed and compared favourably against other large firms. Would definitely use again and recommend to anyone.

Medical Negligence Solicitors

I would highly recommend this firm. My medical negligence claim was handled very well by my solicitors Margaret Ryan and Rebecca Haigh. They have kept me well informed…


Our Offices

Our offices are located in major cities throughout the UK and have excellent transport links.