What is the ruling on benefiting from usurious interests from an end-of-service bonus to cover living and education expenses, especially in cases of urgent need?

Usurious gains are illicit wealth that must be disposed of by giving it to the poor and needy, or for the general welfare of Muslims. It is not permissible to benefit from it personally unless one is poor and in need, in which case it is permissible for him to take only what suffices his need from it.