PIP UK: Daily Living, Mobility, Points System, Assessments and Appeals

PIP for Bipolar Disorder — Claiming During Manic and Depressive Episodes

How to claim PIP for bipolar disorder in the UK. Covers how manic and depressive episodes affect PIP activities, fluctuating conditions guidance, and 2026 rates.

Benefits information is based on current DWP and HMRC rules. Entitlements depend on your personal circumstances. For free personalised help, contact Citizens Advice or call the Universal Credit helpline on 0800 328 5644.

Bipolar disorder qualifies for PIP when it significantly limits your daily life or ability to get out safely. The fluctuating nature of the condition — with both manic and depressive phases — is explicitly recognised by DWP, and both phases should be described in your claim.

Read more: See our PIP guide for a full overview of how PIP works. You may also find PIP for anxiety and depression useful for the depressive component.

How Bipolar Phases Affect PIP Activities

The table below shows how each phase maps onto specific PIP descriptors.

Activity During depressive episode During manic episode
1. Preparing food Too fatigued/unmotivated to cook May not eat, impulsive eating, unsafe in kitchen
3. Managing therapy Forgetting medication, refusing treatment May stop medication during manic high
4. Washing and bathing Neglecting personal care May be hyperfocused or erratic
5. Toilet needs Sometimes relevant in severe depression Generally unaffected
6. Dressing Neglecting to dress, low motivation Disinhibited dressing/undressing
7. Communicating Withdrawn, low speech in severe depression Racing speech; others cannot keep up
9. Engaging with others Social withdrawal, isolation Disinhibition, inappropriate behaviour, paranoia
10. Budgeting decisions Passivity; bills unpaid Overspending; financial decisions without insight
Mobility 1: Planning journeys Unable to leave home in severe depression Poor road safety judgement in mania

The ‘50% of Days’ Test

PIP requires that you cannot complete an activity on more than 50% of days. For bipolar disorder:

  • If you have one 3-week depressive episode per quarter, you are significantly affected for roughly 26% of the year — below the 50% threshold on its own
  • But if you have two episodes per quarter, or episodes are severe, or you have residual symptoms between episodes, the 50% threshold is more easily met
  • Manic episodes add to the total — combine both phase impacts when calculating

Key message: Do not just describe your average day. Explain the frequency, severity, and duration of episodes, and what you cannot do during each.

Activity 10: Making Budgeting Decisions — Often Overlooked

This is one of the most impactful activities for bipolar disorder and is frequently underreported. It assesses whether you can manage everyday money decisions:

Descriptor Points
Needs prompting to manage everyday financial decisions 2
Cannot manage complex budgeting 4
Cannot make any financial decisions without assistance 6

In a manic episode: A person may spend thousands in hours, take out loans without understanding the consequences, give money away impulsively, or gamble. In a depressive episode: Bills may go unpaid for months.

Give specific examples: “In my last manic episode I spent £8,000 in 10 days and took out a £3,000 loan. I have a financial deputy/trusted person who controls access to my bank account during episodes.”

Activity 9: Engaging with Others

Descriptor Points
Needs prompting to engage with others 2
Needs social support to engage with others 4
Cannot engage with other people 8

Mania causes inappropriate social behaviour — disinhibition, confrontation, difficulty reading social situations. Depression causes withdrawal and inability to maintain relationships. Both affect engagement.

PIP Rates 2026/27

Component Standard rate Enhanced rate
Daily Living £72.65/week £108.55/week
Mobility £28.70/week £75.75/week

Building Your Evidence Base

  1. Psychiatrist’s letter: Ask your consultant to describe your functional limitations during both phases — not just your diagnosis and medication list
  2. CPN notes: Community psychiatric nurses often have detailed records of day-to-day function
  3. Crisis team records: If you have had Crisis Resolution Home Treatment (CRHT) involvement, this is powerful evidence of severity
  4. Carer’s statement: A family member or partner can describe what they observe during episodes
  5. Hospital admission records: Any inpatient stays are strong evidence of severity

Getting Help

  • Mind: helpline 0300 123 3393 — benefits advice and PIP guidance
  • Rethink Mental Illness: 0300 5000 927 — specialist mental health benefits support
  • Citizens Advice: PIP appeals and mandatory reconsideration
  • IPSEA / Bipolar UK: peer support from others who have navigated the system

For more see PIP for anxiety and depression, how to claim PIP, and challenging a PIP decision.

Sources

  1. GOV.UK — Personal Independence Payment (PIP)
  2. Mind — Benefits for people with mental health problems