Presenteeism: The Impact of Financial Concerns on Health Decisions
Financial worries continue to force many people into difficult decisions about their health and wellbeing. Recent surveys highlight that a significant number of people in the UK still ignore medical advice and work while unwell because they fear for their finances. In 2024, more than three quarters of UK employees have reported seeing colleagues practice presenteeism—going to work while ill—mirroring the rise observed since the pandemic began . This trend is reflected in the fact that six in ten people say they go to work when they are ill, and about one in three admit to ignoring their doctor’s advice due to financial concerns, even when worried about a serious illness .
Worryingly, financial concerns also make people avoid seeking medical help, with 43% of survey respondents admitting they would put off going to their doctor, even when they suspect a serious illness . Many individuals are left without basic safety nets: three in ten have no financial protection if they are unable to work, while 27% could only sustain themselves for one month without income .
Statutory Sick Pay (SSP) has increased slightly to £118.75 per week in 2025, but this remains far below the cost of living for most households. During periods of sickness with reduced income, people resort to using their savings, making reduced or missed payments, borrowing from family or friends, or using credit cards and loans.
Nearly two-thirds worry about how they would cope financially if forced to take four weeks or more off work due to poor health, an increase on prior years . While almost half believe they would benefit from income protection policies, few actually have such cover in place, with many unaware of available options. The long-term financial consequences are also concerning: with concerns about the impact on their ability to obtain credit in the future, while self-employed individuals are especially vulnerable, fearing the loss of customers and fearing their business could collapse if they had to take extended sick leave .
Ultimately, financial security remains closely tied to health outcomes. Improvements in statutory support and uptake of income protection are needed to help people prioritise their health without sacrificing their financial wellbeing .
Sources:
https://www.engageemployee.com/blog/the-rise-of-presenteeism-and-leavism-in-the-workplace
