WCA Substantial Risk: The Safety Net You Need to Know About

Substantial risk is one of the most important provisions in the WCA, yet many claimants have never heard of it. It acts as a safety net: even if you do not score enough points on the functional descriptors, if being found fit for work would pose a substantial risk to you or others, you should be placed in the Support Group or LCWRA.

What counts as substantial risk?

The regulations state that you should be treated as having LCWRA if there would be a substantial risk to the mental or physical health of any person if you were found not to have limited capability for work-related activity. This includes risk to yourself and risk to others. Examples include:

• Risk of suicide or self-harm - if the stress and pressure of being expected to prepare for work could trigger suicidal thoughts or self-harming behaviour
• Risk of significant deterioration - if your condition would get substantially worse if you were placed under work-related requirements
• Risk from stopping treatment - if attending work-focused interviews would interfere with essential medical treatment
• Risk to others - if your condition could pose a risk to colleagues, the public, or others in a workplace
• Risk of psychotic episode - if stress could trigger a psychotic episode, manic episode, or severe dissociation

Who does substantial risk help most?

Substantial risk is particularly important for people with severe mental health conditions who may not score high enough on the functional descriptors. Someone with severe depression might be able to physically do many activities but would be at substantial risk of suicide if pressured into work-related activity. The descriptors alone would not capture this, but substantial risk does.

How to argue substantial risk on your form

In the additional information section of your ESA50/UC50, write explicitly: "I believe that if I were found fit for work or placed in the WRAG/LCW group, there would be a substantial risk to my mental health because..." Then explain specifically what would happen. Be honest and direct.

Supporting evidence is crucial: a letter from your GP, psychiatrist, or CPN stating that in their clinical opinion, the stress of work-related requirements would pose a substantial risk to your health.

Substantial risk and the 2026 position

The previous Conservative government proposed tightening the substantial risk criteria. However, these changes were not implemented by the current Labour government. As of March 2026, substantial risk remains in force in its current form. The WCA itself is planned for abolition from approximately April 2028.