The mental health premium

Authors: Caroline Rogers, Hannah Poll and Mette Isaksen
Published by Citizens Advice, March 2019

Mental health problems are the most common health issue among Citizens Advice clients, impacting 89,410 clients last year. Previous research found people with mental health problems are more likely to struggle with essential services, and support offered by providers is inadequate.

The Mental Health Premium shows that where poor mental health reduces someone’s ability to carry out daily activities, they can incur costs of £1,100 – £1,550 each year as a result of inaccessible services, poor regulatory protections and inadequate support.

Our research finds that:

  • People who say that their mental health problem affects their day to day activities “a little” pay £1,100 a year in extra costs.
  • People who say that their mental health problem affects their day to day activities “a lot” pay £1,550 a year in extra costs.
  • Choosing services costs £360 – £540 a year
  • Paying for services costs £280 – £500 a year
  • Dealing with problems costs £460 – £510 a year

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