What is Universal Credit?
Universal Credit is a UK government benefit that combines several existing payments into one monthly amount to help people with their living costs. It is designed to support individuals and families who are on a low income, out of work, or unable to work due to illness or caring responsibilities. Universal Credit replaces a number of older benefits, including Income Support, income-based Jobseeker’s Allowance, income-related Employment and Support Allowance, Housing Benefit, Child Tax Credit, and Working Tax Credit.
The main aim of Universal Credit is to simplify the benefits system, making it easier to manage and ensuring that people are always better off in work. If you are struggling financially or your circumstances have changed, Universal Credit could provide essential support. To understand more about how Universal Credit works and who it is for, you can read our detailed guide on What is Universal Credit? or visit Universal Credit on GOV.UK for official information.
Universal Credit is an important part of the wider UK benefits system, offering financial help when you need it most.
Who Can Claim Universal Credit?
To claim Universal Credit, you usually need to be over 18 (but under State Pension age), living in the UK, and have savings and investments below £16,000. Your eligibility also depends on your income, household circumstances, and whether you have a partner. Both employed and unemployed people can apply, but how much you earn may affect the amount you receive.
If you are unwell, have a disability, or are unable to work due to health reasons, there are special rules and extra support available. You can find out more about these specific circumstances on our page about Getting Universal Credit if You’re Sick or Disabled.
For a full overview of who can claim, including up-to-date legal requirements and exceptions, see the Eligibility criteria on GOV.UK.
If you’re not sure whether you qualify for Universal Credit or want to explore other support you might be entitled to, try our Check what benefits you can get tool.
How to Apply for Universal Credit
Applying for Universal Credit involves several steps, from gathering your personal details and financial information to submitting your claim online. You’ll need documents such as proof of identity, details about your income, savings, housing situation, and any dependants. Most people apply online, and after submitting your application, you may be asked to attend an interview or provide further evidence before your claim is processed.
For a full step-by-step guide, including what documents you’ll need and what happens after you apply, see our dedicated page on Applying for Universal Credit. This covers everything you need to know, including important legal guidelines set out in the Welfare Reform Act 2012 and Universal Credit Regulations.
If your previous claim has ended and you need to start again, there are specific rules and processes to follow. Visit our page on Reapply for Universal Credit for guidance on restarting your claim.
You can also find in-depth advice on the application process from Citizens Advice, which explains each stage and what to expect.
Universal Credit Payments
Understanding how Universal Credit payments work is essential for managing your finances. The amount you receive depends on your personal circumstances, such as your income, savings, housing situation, and whether you have children or a disability. To see a breakdown of how payments are calculated and what might affect the amount you get, visit our dedicated guide on How Much is Universal Credit.
Universal Credit is usually paid once a month directly into your bank account. The payment schedule and method are set out in official regulations – see the payment schedule](https://www.legislation.gov.uk/uksi/2013/376/schedule/10) for more details. For a step-by-step explanation of how and when you’ll receive your money, read [How Universal Credit is Paid.
If you experience any issues with your payments – such as delays, incorrect amounts, or missed payments – help is available. Our Payment Problems page explains what to do and how to resolve common issues.
It’s important to remember that changes in your circumstances, like starting a new job, moving home, or changes in your family, can affect your Universal Credit payments. Find out how to report these changes and why it matters on our Changes and updates on Universal Credit page.
Managing Your Universal Credit Claim
Staying on top of your Universal Credit claim is important to make sure you continue to receive the right payments. While you’re claiming, you’ll need to keep your details up to date and report any changes in your circumstances – such as changes to your income, living arrangements, or family situation – as soon as possible. For practical advice on what you need to do and how to avoid problems with your claim, visit While You’re On Universal Credit.
It’s also essential to understand the rules around sanctions. If you don’t meet your responsibilities (like attending appointments or providing required information), your Universal Credit payments could be reduced or stopped. To learn more about why sanctions happen and how they might affect you, you can read this analysis on sanctions](https://commonslibrary.parliament.uk/research-briefings/cbp-8410/). If you’ve been sanctioned, you have rights and options – find out more about [What to Do if You’ve Been Sanctioned.
If you disagree with a Universal Credit decision, such as a sanction or a change to your payment, you have the right to challenge it. The appeals process is governed by specific rules under the Social Security Act 1998. For step-by-step guidance on how to appeal, see our page on Universal Credit Appeals.
Transitioning to Universal Credit
When moving from older benefits such as Income Support, Housing Benefit, or Tax Credits, you may be required to switch to Universal Credit as part of the government’s ongoing welfare reform. This process, known as "migration," is managed by the Department for Work and Pensions (DWP) and is guided by specific regulations under the Welfare Reform Act 2012. If you receive a notice to move, you will have a set time to make your Universal Credit claim to ensure your support continues without interruption.
During the transition, your existing benefits will stop, and your Universal Credit payments will begin. The DWP may provide transitional protection to help prevent a sudden drop in your income. It’s important to respond promptly to any official letters and gather necessary documents to avoid gaps in your payments.
To understand the full process, what to expect, and how to prepare, visit our dedicated Universal Credit Migration page for step-by-step guidance.
For a broader overview of the government’s migration process, the House of Commons Library provides detailed background and the latest updates on the rollout timetable.
Additional Support and Related Benefits
Universal Credit is designed to provide a basic level of financial support, but you may also be eligible for additional help depending on your circumstances. Several other benefits can complement Universal Credit, offering extra assistance for carers, disabled people, families, and pensioners.
If you care for someone with a disability, you may be able to claim Carer’s Allowance. For people with long-term health conditions or disabilities, Disability Benefits may provide extra financial support. Those over State Pension age who need help with personal care should look into Attendance Allowance.
Families with children can get tailored support through Help if You Have Children, which explains what extra benefits and allowances are available. Pensioners on a low income might qualify for Pension Credit, which can top up weekly income.
If you need help with rent or housing costs, Universal Credit includes a housing element, but you might also find it useful to read more about Help with Housing and the guidance provided by housing support from Citizens Advice.
If your employment situation changes, or you are looking for work, Employment Benefits can offer further support. For those dealing with the loss of a loved one, Bereavement Benefits may be available to help you manage financially.
Eligibility for these benefits depends on your personal situation and is governed by rules set out in UK social security law, including the Welfare Reform Act 2012 and related regulations. Each benefit has its own criteria, so it’s important to explore which options apply to you.
Additional Resources for Universal Credit Claimants
Additional Resources for Universal Credit Claimants
If you are claiming Universal Credit, you may face questions or challenges beyond the application process. The following resources and information can help you manage your finances, understand how work affects your payments, and stay updated on changes to Universal Credit rules.
Managing Debts and Rent Arrears:
Universal Credit payments can sometimes make it difficult to keep up with bills or rent. If you are struggling with debts or have fallen behind on your rent, visit Help with Debt and Rent Arrears on Universal Credit for practical advice on what steps to take, your legal rights, and where to get further support.
Employment and Universal Credit:
Starting or changing work can affect how much Universal Credit you receive. The amount you earn, your working hours, and other benefits you claim all play a part in how your payments are calculated. To learn more, see How Employment Affects Universal Credit. For a broader perspective on Universal Credit’s impact on employment, you may also find the government’s employment effects analysis useful.
Policy Changes and Updates:
Universal Credit rules and rates can change, sometimes affecting how much you receive or how you claim. It is important to keep up to date with any changes to avoid missing out on support or breaching requirements. For the latest information, check Changes and Updates on Universal Credit.
These resources can help you navigate Universal Credit more confidently and ensure you are getting the support you are entitled to. If you need more detailed guidance, our child pages provide further information on specific topics.
