diff --git a/app/models/concerns/eligibility_checkable.rb b/app/models/concerns/eligibility_checkable.rb
index 2e1d12cbc6..f2b769667f 100644
--- a/app/models/concerns/eligibility_checkable.rb
+++ b/app/models/concerns/eligibility_checkable.rb
@@ -50,6 +50,7 @@ def trainee_teacher?
 
   def common_ineligible_attributes?
     [
+      policy_closed?,
       indicated_ineligible_school?,
       supply_teacher_lacking_either_long_contract_or_direct_employment?,
       poor_performance?,
@@ -59,6 +60,10 @@ def common_ineligible_attributes?
     ].any?
   end
 
+  def policy_closed?
+    policy.closed?(claim_year)
+  end
+
   def indicated_ineligible_school?
     current_school.present? && !policy::SchoolEligibility.new(current_school).eligible?
   end
diff --git a/app/models/policies/early_career_payments.rb b/app/models/policies/early_career_payments.rb
index a0289b1ffd..bc5f165769 100644
--- a/app/models/policies/early_career_payments.rb
+++ b/app/models/policies/early_career_payments.rb
@@ -173,5 +173,9 @@ def future_years(year)
     def selectable_itt_years_for_claim_year(claim_year)
       (AcademicYear.new(claim_year - 5)...AcademicYear.new(claim_year)).to_a
     end
+
+    def closed?(claim_year)
+      claim_year > POLICY_END_YEAR
+    end
   end
 end
diff --git a/app/models/policies/early_career_payments/eligibility.rb b/app/models/policies/early_career_payments/eligibility.rb
index 43e768c20d..eb182254de 100644
--- a/app/models/policies/early_career_payments/eligibility.rb
+++ b/app/models/policies/early_career_payments/eligibility.rb
@@ -34,7 +34,7 @@ def policy
           hsh[year] = AcademicYear::Type.new.serialize(year)
         end.merge({AcademicYear.new => AcademicYear::Type.new.serialize(AcademicYear.new)})
 
-      enum :itt_academic_year, ITT_ACADEMIC_YEARS
+      enum :itt_academic_year, ITT_ACADEMIC_YEARS, validate: true
 
       enum :qualification, {
         postgraduate_itt: 0,
diff --git a/app/models/policies/levelling_up_premium_payments.rb b/app/models/policies/levelling_up_premium_payments.rb
index 9a3ab6331e..e2a41761a7 100644
--- a/app/models/policies/levelling_up_premium_payments.rb
+++ b/app/models/policies/levelling_up_premium_payments.rb
@@ -158,5 +158,9 @@ def future_years(year)
     def selectable_itt_years_for_claim_year(claim_year)
       (AcademicYear.new(claim_year - 5)...AcademicYear.new(claim_year)).to_a
     end
+
+    def closed?(claim_year)
+      claim_year > POLICY_END_YEAR
+    end
   end
 end
diff --git a/app/views/additional_payments/claims/_ineligibility_ecp_only_ecp_closed.html.erb b/app/views/additional_payments/claims/_ineligibility_ecp_only_ecp_closed.html.erb
new file mode 100644
index 0000000000..7931af3f8b
--- /dev/null
+++ b/app/views/additional_payments/claims/_ineligibility_ecp_only_ecp_closed.html.erb
@@ -0,0 +1,17 @@
+<p class="govuk-body">
+  You are not eligible for the
+  <%= link_to("early-career payment (opens in new tab)", Policies::EarlyCareerPayments.eligibility_criteria_url, class: "govuk-link", target: "_blank") %>
+  because the policy has now closed.
+</p>
+<p class="govuk-body">
+  You are not eligible for the
+  <%= link_to("#{I18n.t("levelling_up_premium_payments.policy_short_name").downcase} (opens in new tab)", Policies::LevellingUpPremiumPayments.eligibility_criteria_url, class: "govuk-link", target: "_blank") %>
+  because the school you teach in is not eligible. <%= I18n.t("levelling_up_premium_payments.policy_short_name").capitalize.pluralize %> are offered in schools identified as having a higher need for teachers.
+</p>
+
+<p class="govuk-body">
+  For more information, check the eligibility criteria for
+  <%= link_to("early-career payments", Policies::EarlyCareerPayments.eligibility_criteria_url, class: "govuk-link") %>
+  and
+  <%= link_to(I18n.t("levelling_up_premium_payments.policy_short_name").downcase.pluralize, Policies::LevellingUpPremiumPayments.eligibility_criteria_url, class: "govuk-link") %>.
+</p>
diff --git a/db/schema.rb b/db/schema.rb
index ff5c7e9cb2..3fb5778de0 100644
--- a/db/schema.rb
+++ b/db/schema.rb
@@ -10,7 +10,7 @@
 #
 # It's strongly recommended that you check this file into your version control system.
 
-ActiveRecord::Schema[8.0].define(version: 2024_11_26_105650) do
+ActiveRecord::Schema[8.0].define(version: 2024_11_29_103823) do
   # These are extensions that must be enabled in order to support this database
   enable_extension "citext"
   enable_extension "pg_catalog.plpgsql"
@@ -113,7 +113,11 @@
     t.date "onelogin_idv_date_of_birth"
     t.datetime "started_at", precision: nil, null: false
     t.datetime "verified_at"
+    t.index "lower((email_address)::text)", name: "index_claims_on_lower_email_address"
+    t.index "lower((first_name)::text), lower((surname)::text), date_of_birth", name: "index_claims_on_personal_details"
+    t.index "lower((national_insurance_number)::text)", name: "index_claims_on_lower_national_insurance_number"
     t.index ["academic_year"], name: "index_claims_on_academic_year"
+    t.index ["bank_account_number", "bank_sort_code"], name: "index_claims_on_bank_details"
     t.index ["created_at"], name: "index_claims_on_created_at"
     t.index ["eligibility_type", "eligibility_id"], name: "index_claims_on_eligibility_type_and_eligibility_id"
     t.index ["held"], name: "index_claims_on_held"
diff --git a/lib/ineligibility_reason_checker.rb b/lib/ineligibility_reason_checker.rb
index 20b34c42ea..e2889067e1 100644
--- a/lib/ineligibility_reason_checker.rb
+++ b/lib/ineligibility_reason_checker.rb
@@ -4,7 +4,9 @@ def initialize(answers)
   end
 
   def reason
-    if current_school?
+    if ecp_only_and_ecp_closed?
+      :ecp_only_ecp_closed
+    elsif current_school?
       :current_school
     elsif dqt_data_ineligible?
       :dqt_data_ineligible
@@ -41,6 +43,15 @@ def reason
 
   private
 
+  def ecp_only_and_ecp_closed?
+    school = @answers.current_school
+
+    [
+      Policies::EarlyCareerPayments::SchoolEligibility.new(school).eligible?,
+      !Policies::LevellingUpPremiumPayments::SchoolEligibility.new(school).eligible?
+    ].all? && Policies::EarlyCareerPayments.closed?(@answers.policy_year)
+  end
+
   def current_school?
     school = @answers.current_school
 
diff --git a/spec/features/combined_teacher_claim_journey_spec.rb b/spec/features/combined_teacher_claim_journey_spec.rb
index 42e6229cf1..53c08457d7 100644
--- a/spec/features/combined_teacher_claim_journey_spec.rb
+++ b/spec/features/combined_teacher_claim_journey_spec.rb
@@ -6,9 +6,9 @@
   end
   let(:eligibility) { claim.eligibility }
 
-  before { create(:journey_configuration, :additional_payments, current_academic_year: AcademicYear.new(2023)) }
-
   scenario "Eligible for both" do
+    create(:journey_configuration, :additional_payments, current_academic_year: AcademicYear.new(2023))
+
     school = create(:school, :combined_journey_eligibile_for_all)
 
     visit new_claim_path(Journeys::AdditionalPaymentsForTeaching::ROUTING_NAME)
@@ -243,6 +243,8 @@
   end
 
   scenario "Eligible for only one" do
+    create(:journey_configuration, :additional_payments, current_academic_year: AcademicYear.new(2023))
+
     school = create(:school, :early_career_payments_uplifted)
 
     visit new_claim_path(Journeys::AdditionalPaymentsForTeaching::ROUTING_NAME)
@@ -323,4 +325,84 @@
     expect(page).not_to have_selector('input[type="radio"]')
     expect(page).to have_button("Apply now")
   end
+
+  context "when ECP is closed" do
+    before do
+      create(
+        :journey_configuration,
+        :additional_payments,
+        current_academic_year: AcademicYear.new(2025)
+      )
+    end
+
+    scenario "choosing an ecp only school is ineligible" do
+      school = create(:school, :early_career_payments_eligible)
+
+      visit new_claim_path(Journeys::AdditionalPaymentsForTeaching::ROUTING_NAME)
+
+      click_on "Continue without signing"
+
+      choose_school school
+
+      expect(page).to have_content "You are not eligible"
+      expect(page).to have_content "the policy has now closed"
+    end
+
+    scenario "choosing a lup eligible school allows completing the journey" do
+      school = create(:school, :combined_journey_eligibile_for_all)
+
+      visit new_claim_path(Journeys::AdditionalPaymentsForTeaching::ROUTING_NAME)
+
+      click_on "Continue without signing"
+
+      choose_school school
+      click_on "Continue"
+
+      # - Have you started your first year as a newly qualified teacher?
+      choose "Yes"
+      click_on "Continue"
+
+      # - Have you completed your induction as an early-career teacher?
+      choose "Yes"
+      click_on "Continue"
+
+      # - Are you currently employed as a supply teacher
+      choose "No"
+      click_on "Continue"
+
+      # - Poor performance
+      within all(".govuk-fieldset")[0] do
+        choose("No")
+      end
+      within all(".govuk-fieldset")[1] do
+        choose("No")
+      end
+      click_on "Continue"
+
+      # - What route into teaching did you take?
+      choose("Undergraduate initial teacher training (ITT)")
+      click_on "Continue"
+
+      # - In which academic year did you complete your undergraduate ITT?
+      choose("2024 to 2025")
+      click_on "Continue"
+
+      # - Which subject did you do your undergraduate ITT in
+      choose "Mathematics"
+      click_on "Continue"
+
+      # Do you spend at least half of your contracted hours teaching eligible
+      # subjects?
+      choose "Yes"
+      click_on "Continue"
+
+      # Check your answers
+      click_on "Continue"
+
+      expect(page).to have_content("You’re eligible for an additional payment")
+      expect(page).to have_content(
+        "you can apply for a school targeted retention incentive"
+      )
+    end
+  end
 end