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Navigating the welfare system and mental health: clinical and ethical reflections on disability assessments

Published online by Cambridge University Press:  01 December 2025

Bahaa Hassan*
Affiliation:
Core Trainee in Psychiatry, Norfolk and Suffolk NHS Foundation Trust, Norwich, UK
*
Correspondence to Bahaa Hassan (dr.bahaa.g@gmail.com)
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Summary

Welfare assessments can harm the mental health of neurodivergent individuals and people with intellectual disabilities, yet this remains under-recognised in clinical practice. This article integrates three perspectives: media reporting on private profit in UK disability assessments; a clinical case of an autistic man whose deterioration was triggered by Personal Independence Payment and Universal Credit reassessment; and research on the experiences of people with learning disabilities. Common themes include fear, shame, loss of agency and reactivated trauma. Psychiatrists should view welfare systems as determinants of mental health, adopt trauma-informed, neurodiversity-aware approaches and support patients through advocacy and interdisciplinary collaboration.

Information

Type
Against the Stream
Creative Commons
Creative Common License - CCCreative Common License - BY
This is an Open Access article, distributed under the terms of the Creative Commons Attribution licence (https://creativecommons.org/licenses/by/4.0/), which permits unrestricted re-use, distribution and reproduction, provided the original article is properly cited.
Copyright
© The Author(s), 2025. Published by Cambridge University Press on behalf of Royal College of Psychiatrists

Mental health is shaped not only by biology and psychology, but also by the systems people live within. Although welfare benefits are supposed to be a safety net, the way in which these benefits are assessed can cause harm. Anxiety, confusion and powerlessness are common experiences for many claimants, not just those with mental health problems. This article focuses on autistic and learning-disabled people because they face particular vulnerability due to communication, cognitive and social differences. The article brings together three perspectives –media, clinical practice and research – to argue that psychiatrists must broaden their roles to include recognising and responding to welfare-related harm. This position may be considered against the stream, because many clinicians do not view systemic advocacy as part of psychiatry.

Media context

In 2025, media coverage highlighted growing profits for companies contracted to deliver disability assessments. The Guardian reported that Maximus, a US-based firm, saw a 23% rise in profits while the UK Government announced plans to tighten eligibility and reduce payments. Reference Almeida1,Reference Crerar and Adu2 Although later amendments reduced the scale of cuts, both government and independent modelling still project significant hardship: around 3.2 million families will be worse off by 2029–2030, average annual losses will be about £1700 and an additional 150 000–250 000 people are expected to fall into relative poverty. Charities and professional bodies have warned that these changes will disproportionately harm people with mental health conditions and fluctuating illnesses. Claimants often describe the process as humiliating. Consistent evidence shows that assessments are anxiety-provoking, can worsen health and leave many feeling mistrusted and invisible. Reference Boardman3 Media narratives often cast benefit recipients as undeserving or fraudulent, fuelling hostility and shaping the climate in which clinical work takes place. Over 100 Members of Parliament (MPs) have raised objections to the reforms, yet implementation continues.

Case study

A 61-year-old man with autism and long-standing depression experienced significant mental health deterioration after receiving reassessment forms for Universal Credit and Personal Independence Payment (PIP). His history includes anxiety, depression, poor response to treatment and a diagnosis of autism at age 50. He reported feeling punished for attempting to show progress in therapy, and feared that improvement might be used against him. His mental state had worsened during similar reassessments in previous years.

Clinical observations during this episode included emotional blunting, limited speech, poor eye contact and passive behaviour. He described low mood and hopelessness and experienced suicidal ideation. His therapy (eye movement desensitisation and reprocessing) was disrupted. Despite improved diabetes control with insulin, his mood remained low. His wife and care coordinator provided protective support. He recalled distressing transitions, such as the move from Disability Living Allowance to PIP, which he described as traumatic. He reported that optimism or engagement with therapy made him fear being penalised.

These accounts are consistent with long-standing patterns of introversion and social withdrawal that became more disabling under systemic pressure. Over time, he developed the belief that showing recovery led to punishment, a form of learned helplessness as described in his formulation.

N.B. Identifying details have been altered, and verbal consent was obtained for inclusion of this case. Consent was witnessed and formally recorded.

Research findings

A 2025 study by Ward et al Reference Ward, Weatherhead and Greenhill4 interviewed eight adults with learning disabilities undergoing welfare assessments, using interpretative phenomenological analysis. The small sample size of this study (N = 8) should be noted when considering its findings. Seven of eight participants reported intense fear in anticipation of assessments, with symptoms including panic, nausea and sleep disturbance. Five of the eight described fears of losing essential support, with catastrophic worries including becoming homeless. Participants also reported feeling judged and disbelieved, leading to shame and guilt. Several said that assessments were perceived as intimidating and dehumanising. Support from family or advocates was crucial, helping participants to cope. Some also described empowerment strategies, such as challenging decisions and engaging in advocacy.

These findings align closely with the clinical case. The patient’s fear, sense of being judged and reliance on support mirror the study. His belief that recovery is penalised echoes participants’ experiences of stigma and marginalisation.

Additional research shows this is not an isolated phenomenon. Boardman Reference Boardman3 notes that assessments and strict eligibility requirements often provoke anxiety, contribute to deterioration in mental and physical health and place an added burden on people with disabilities by worsening the difficulties they already encounter in daily life. He further observes that repeated reassessments sustain a cycle of fear and mistrust that can erode therapeutic progress. Reports from Learning Disability Today 5 emphasise that welfare reforms create disproportionate hardship for people with intellectual disabilities, increasing poverty, stress and social exclusion and often leaving families to fill gaps in care. Recent research by Forrester-Jones and colleagues also found that austerity-related cuts reduced access to social care services, weakened community support networks and were associated with lower self-esteem, poorer quality of life and increased risk of social isolation among people with intellectual disabilities. Reference Forrester-Jones, Beecham, Randall, Harrison, Malli and Sams6 Together, these findings illustrate that systemic pressures can magnify existing vulnerabilities, contributing to both psychological and social decline.

Discussion

Psychiatrists need to recognise how benefit assessments can impact individuals. These processes are not neutral: they can re-trigger trauma, worsen psychiatric symptoms and undermine treatment. We should validate distress without pathologising it. In some cases, what appears as a relapse in mental health symptoms is less about internal illness and more a reaction to external threats.

Clinicians can support patients by preparing them for assessments, offering letters of support, working with social care teams and documenting the psychological impact of reassessment. Engaging family and care coordinators can reduce harm. We must also be alert to diagnostic overshadowing, when distress linked to injustice is misread as clinical deterioration.

We also have a role in advocacy. Psychiatrists can use their professional position to highlight structural causes of distress. Educating colleagues, writing to MPs and raising concerns within trusts or local services are all valid forms of action. Systemic change is needed to prevent repeated harm. Benefit assessments should be trauma-informed, allow for reasonable adjustments 7 and avoid penalising neurodivergent communication styles. Reassessment should not be automatic.

Implications

Benefit assessments can trigger serious mental health problems in autistic and learning-disabled people, but also in the wider population of claimants with mental health illnesses. These harms are under-recognised in clinical settings. We must address welfare-related distress as a clinical issue, adopt trauma-informed practice and contribute to advocacy for change. Taking this stance challenges the traditional limits of psychiatric practice, but it is necessary to protect our vulnerable individuals.

Data availability

Data availability is not applicable to this article as no new data were created or analysed in this study.

Funding

This research received no specific grant from any funding agency, commercial or not-for-profit sectors.

Declaration of interest

None.

Footnotes

Against the Stream articles tackle controversial issues. The idea is to challenge conventional wisdom and stimulate discussion. BJPsych Bulletin is not responsible for statements made by contributors, and material in BJPsych Bulletin does not necessarily reflect the views of the Editor-in-Chief or the College.

References

Almeida, L. US firm testing eligibility for UK disability benefits reports 23% rise in profits. Guardian, 29 May 2025 (https://www.theguardian.com/society/2025/may/29/us-firm-maximus-that-tests-eligibility-for-uk-disability-benefits-pays-out-10m-in-dividends).Google Scholar
Crerar, P, Adu, A. Starmer stands firm on welfare bill as Labour rebels grow. Guardian, 24 Jun 2025 (https://www.theguardian.com/world/2025/jun/24/keir-starmer-says-government-will-stand-firm-on-disability-welfare-overhaul).Google Scholar
Boardman, J. Dismantling the social safety net: social security reforms, disability and mental health. BJPsych Bull 2020; 44: 208–12.10.1192/bjb.2020.79CrossRefGoogle ScholarPubMed
Ward, B, Weatherhead, S, Greenhill, B. They don’t understand people with learning disabilities: experiences of people with intellectual disabilities in welfare assessments. J Appl Res Intellect Disabil 2025; 38: e70000.10.1111/jar.70000CrossRefGoogle ScholarPubMed
Learning Disability Today. What Welfare Reforms Mean for People with a Learning Disability. Learning Disability Today, 2025 (https://www.learningdisabilitytoday.co.uk/topic/policy/what-do-the-welfare-reforms-mean-for-people-with-a-learning-disability/).Google Scholar
Forrester-Jones, R, Beecham, J, Randall, A, Harrison, R, Malli, M, Sams, L, et al. The impact of austerity measures on people with intellectual disabilities in England. J Long Term Care 2021; 241–55.10.31389/jltc.59CrossRefGoogle Scholar
UK Government. Equality Act 2010 c.15. The National Archives, 2010 (https://www.legislation.gov.uk/ukpga/2010/15/contents).Google Scholar
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