Universal Credit (UC) is a payment that helps people with living costs. It’s a monthly payment that replaces six other benefits, including Income Support, Jobseeker’s Allowance, Housing Benefit, Child Tax Credit and Working Tax Credit. UC is paid to people who are on a low income or out of work. The amount you get depends on your circumstances, including your income, savings, and whether you have children.
Eligibility for Universal Credit
To be eligible for UC, you must meet certain criteria set by the Department for Work and Pensions (DWP). These include:
- Being over 18 and under State Pension age (66)
- Living in the UK
- Having less than £16,000 in savings (£23,250 if you’re a couple)
- Being unemployed, or working less than 16 hours a week (or 12 hours if you’re disabled)
- Meeting the residency requirements (e.g. being a British citizen or having a valid immigration status)
If you meet these eligibility requirements, you can proceed with claiming Universal Credit.
How to Claim Universal Credit
There are three ways to claim Universal Credit: online, by phone, or by post.
Online Claim
The most convenient way to claim Universal Credit is through the online portal. To do this, you’ll need to create an account with the DWP. Here’s how:
- Go to the DWP website and click on “Sign in to your Universal Credit account.”
- If you already have a Government Gateway account, sign in with your details. If not, click on “Create an account” and follow the prompts.
- Once you’ve created an account, you’ll be able to start your UC claim by filling out the online form.
Phone Claim
If you prefer to speak to someone directly, you can call the UC helpline on 0800 328 5644. The helpline is open Monday to Friday, from 8am to 6pm. When you call, make sure you have all the necessary information and documents ready, such as your National Insurance number, bank details, and proof of identity.
Postal Claim
If you’re unable to claim online or by phone, you can download a UC claim form from the GOV.UK website. Once you’ve completed the form, you can send it to the address provided on the form.
Universal Credit Migration
Universal Credit is currently being rolled out across the UK, with the aim of replacing all existing benefits by 2024. This process is known as “migration.” If you are already receiving one of the six benefits that UC replaces, you will eventually be migrated onto UC. However, this process has been delayed due to the COVID-19 pandemic.
What to Expect During Migration
When you are migrated onto UC, there are a few things you should be aware of:
- Your existing benefits will stop, and you will receive your first UC payment instead.
- You may experience a gap in payments during the migration process.
- Any additional payments you were receiving, such as Housing Benefit, will also stop and be included in your UC payment.
- You may need to provide additional information or evidence to support your UC claim.
It’s important to keep track of your migration process and any changes to your benefits. If you have any concerns or questions, you can contact the DWP for assistance.
How to Prepare for Migration
To prepare for your migration onto UC, you should:
- Make sure you have all the necessary documents and information ready, such as your National Insurance number, bank details, and proof of identity.
- Keep track of your current benefits and any changes that may occur during the migration process.
- Contact the DWP if you have any concerns or questions.
Claiming Universal Credit by Phone
If you choose to claim Universal Credit by phone, there are a few things you should know to make the process smoother.
What You’ll Need
When you call the UC helpline, make sure you have the following information and documents ready:
- Your National Insurance number
- Bank details for your UC payments
- Proof of identity (e.g. passport, driver’s license)
- Details of any income or savings you have
- Information about your housing situation (e.g. rent amount, landlord’s details)
The Phone Call
When you call the UC helpline, you will be asked a series of questions to determine your eligibility and calculate your UC payment. It’s important to answer these questions honestly and accurately. If you’re unsure about anything, don’t hesitate to ask for clarification.
Once your claim is complete, you will receive a confirmation letter with details of your UC payment and any additional support you may be entitled to.
Claiming an Advance on Universal Credit
If you need financial assistance while waiting for your first UC payment, you can apply for an advance. This is a loan that you will need to pay back from your future UC payments.
How to Apply for an Advance
To apply for an advance, you can either:
- Request one during your initial UC claim.
- Request one after your claim has been approved, but before you receive your first payment.
You can request an advance by phone or through your online account. You will need to provide details of how much you need and why you need it. The DWP will then assess your request and let you know if you are eligible.
Repaying the Advance
The advance will be repaid in equal installments from your future UC payments. For example, if you received an advance of £500, you will have £50 deducted from each of your next 10 UC payments. It’s important to budget accordingly and make sure you can afford the repayments.
Universal Credit for Low Income
Universal Credit is designed to support those on a low income or out of work. If you are struggling financially, you may be eligible for additional support through UC.
Additional Support Available
If you are on a low income, you may be entitled to:
- Housing Benefit: This can help cover your rent if you’re renting from a private landlord.
- Council Tax Reduction: This can help reduce your council tax bill.
- Free School Meals: If you have children, they may be eligible for free school meals.
- Cold Weather Payments: These are paid during periods of very cold weather to help with heating costs.
- Discretionary Housing Payments: These are available if you need extra help with your housing costs.
How to Apply for Additional Support
To apply for additional support, you will need to contact your local council. They will assess your eligibility and provide you with the necessary forms to complete.
Conclusion
Claiming Universal Credit may seem daunting, but it’s important to remember that it’s there to support those who need it. By understanding the eligibility criteria and the different ways to claim, you can make the process smoother and ensure you receive the financial assistance you need. If you have any questions or concerns, don’t hesitate to reach out to the DWP for assistance.
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