Guide

Help for NHS staff: wellbeing, money and support services

Working in the NHS can be tough, but a wide range of confidential support is available for your wellbeing, finances, and career – here's where to find it.

Multidisciplinary NHS team meeting
Reviewed by the Staff Portal editorial team · October 2026

Working for the NHS is uniquely rewarding, but it can also be incredibly demanding. If you're facing challenges with your mental health, finances, or a difficult situation at work, please know that you are not alone and dedicated support is available. This guide outlines the key services you can turn to, from internal NHS resources to external charities, helping you find the right support when you need it most.

Recognising When You Need Support

The pressure of working in healthcare can build up gradually, making it hard to spot when you’re starting to struggle. Stress, burnout, and anxiety are not signs of weakness; they are understandable responses to a challenging environment. Acknowledging that you could do with some help is the crucial first step towards feeling better.

Signs that you might need extra support can be physical, emotional, or behavioural. You might notice:

  • Feeling constantly tired or struggling to sleep.
  • A persistent sense of dread or anxiety before a shift.
  • Becoming irritable or withdrawn from colleagues, friends, and family.
  • Losing interest in hobbies and activities you usually enjoy.
  • Feeling overwhelmed, cynical, or detached from your work.
  • Worrying constantly about money or other personal issues.

If any of these feel familiar, reaching out to one of the services below can provide immediate relief and a clear path forward. Early intervention makes a huge difference, so don't wait for things to reach a crisis point.

Your First Port of Call: Internal NHS Support

Your employer has a duty of care for your wellbeing, and every NHS Trust provides free, confidential services for its staff. These should always be your first port of call, as they are designed specifically for the challenges of working in the health service.

Occupational Health (OH)

The Occupational Health department is a team of specialist clinicians focused on the relationship between your health and your work. They are not the same as your GP or manager. OH can help with a huge range of issues, including making adjustments to your role if you have a health condition, managing stress, and planning a phased return to work after a period of sickness.

Everything you discuss with OH is confidential. They will only provide your manager with recommendations on workplace adjustments with your consent, never your personal medical details. You can usually self-refer to OH or be referred by your manager.

Employee Assistance Programmes (EAPs)

Your EAP is one of the most valuable resources available to you. It’s a free, independent, and completely confidential service available 24/7. EAPs are staffed by trained advisors and counsellors who can provide immediate support on almost any issue that’s causing you stress, including:

  • Mental health support and counselling (often offering a set number of free sessions).
  • Financial advice and debt management.
  • Legal information on topics like housing or family law.
  • Support for relationship problems, childcare, and eldercare.
  • Guidance on dealing with stress, burnout, and trauma.

Your employer will not know that you have contacted the EAP. You can find the contact details on your Trust’s intranet, on staff noticeboards, or by asking your HR department.

Tackling Workplace Issues and Concerns

Sometimes, the source of your stress is a specific problem at work, such as a difficult relationship with a colleague, concerns about your contract, or an unsafe practice. There are specific people you can turn to for help with these situations.

Your Union Representative

If you are a member of a trade union like the RCN, BMA, Unison, or GMB, your local representative can be a powerful ally. Reps are trained to provide advice and representation on a wide range of employment-related matters, including pay disputes, grievance and disciplinary procedures, bullying and harassment, and contractual issues. They are there to advocate for you and ensure your rights at work are protected. Don't hesitate to get in touch with them for advice, even for what seems like a small issue.

Freedom to Speak Up (FTSU) Guardians

Every NHS Trust has an FTSU Guardian. Their role is to provide a safe and confidential channel for you to raise concerns about patient safety, quality of care, or potential wrongdoing within the organisation. Speaking to a Guardian is not the same as raising a formal grievance; it's about highlighting issues that could impact patient care or the culture of the organisation.

If you have witnessed something that doesn’t feel right but are worried about the consequences of reporting it, your FTSU Guardian is the person to talk to. They can offer impartial advice on your options and ensure your concerns are investigated appropriately, without fear of reprisal.

Specialist Support for Your Wellbeing

Beyond the general support offered by EAPs, there are specialist services designed to meet the unique mental health needs of healthcare professionals.

NHS Practitioner Health

This is a free, confidential NHS service dedicated to helping doctors, dentists, and senior staff across England with mental illness and addiction problems. It is a self-referral service, meaning you don't need to go through your GP or employer. It provides expertise in treating clinicians who may feel worried about seeking help through mainstream services due to the potential impact on their career. Similar services exist in other parts of the UK.

Mental Health and Wellbeing Hubs

During and since the pandemic, the NHS has established dedicated mental health and wellbeing hubs for all health and social care staff. These hubs offer rapid access to confidential assessment and evidence-based mental health support. Search online for “NHS staff mental health hub” and your region to find the service local to you.

Financial Help and Money Worries

The rising cost of living has put immense pressure on household budgets. Worrying about money can have a huge impact on your mental health and ability to focus at work. If you're struggling, there is practical help available.

Start by checking your payslip and understanding your entitlements. You can use tools like an NHS pay calculator to get a clearer picture of your earnings. If you have questions, your payroll department can help.

For more serious financial difficulties, several charities are dedicated to supporting NHS staff.

  • Cavell Nurses' Trust: This charity supports UK nurses, midwives, and healthcare assistants, both working and retired. They offer a lifeline of financial support, including one-off grants for essentials like rent, utility bills, or emergency repairs.
  • Royal Medical Benevolent Fund (RMBF): The RMBF provides support for doctors, medical students, and their families who are facing financial hardship.

Many other profession-specific benevolent funds exist, so it’s worth checking with your professional body or union. Some NHS Trusts also have their own internal hardship funds that can provide small grants or loans to staff in an emergency. Check your intranet or speak to HR to see what might be available.

Let's consider a realistic scenario. Imagine a Band 5 nurse working 30 hours a week whose washing machine breaks down. The unexpected cost of a replacement is hundreds of pounds she simply doesn't have. The stress is keeping her up at night. She calls her EAP for advice, and they mention the Cavell Nurses' Trust. She applies online, and the Trust is able to provide a grant to cover the cost, removing a huge source of anxiety.

Planning Your Next Career Move

Sometimes, feeling stressed or unhappy at work is a sign that you’re ready for a change. It might not be about leaving the NHS, but perhaps finding a new role, a different department, or a promotion that better suits your skills and ambitions. Taking proactive steps to manage your career can be a powerful way to improve your overall wellbeing.

If you're considering a move, start by updating your CV and thinking about how to present your experience. Using a dedicated CV builder for healthcare roles can help you structure your skills and achievements effectively. When you find a job you want to apply for, a strong supporting statement is crucial. Tools like an application copilot can provide a useful framework to ensure you address the person specification and stand out from the crowd.

Don't be afraid to talk to your line manager about your career aspirations. They may be able to suggest training opportunities, secondments, or mentorship that could help you get to where you want to be.

Key takeaways

  • You are not alone. A huge range of support exists specifically for NHS staff.
  • Internal services like Occupational Health and EAPs are free, confidential, and your first port of call.
  • For workplace issues, union reps and Freedom to Speak Up Guardians provide specialist, confidential advice.
  • Dedicated charities like the Cavell Nurses' Trust and the RMBF can offer financial help in times of crisis.
  • Specialist mental health services, such as NHS Practitioner Health and regional wellbeing hubs, are available for clinical staff.
  • Seeking help is a sign of strength. Reaching out early can prevent problems from escalating.

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Frequently asked questions

This guide is general information, not financial or legal advice. Your contract, employer and personal circumstances may change the details, so check with your payroll team, HR or union before making decisions.

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