What is Universal Credit?
Universal Credit is a UK benefit that helps people who are on a low income or out of work. It combines several older benefits into a single monthly payment, including Jobseeker’s Allowance, Income Support, Housing Benefit and Tax Credits.
Unlike PIP or DLA, Universal Credit is means-tested. That means the amount you receive depends on your earnings, savings, and household circumstances.
Who can get it?
You may be able to claim UC if you:
- are 18 or over (some 16–17 year olds can claim in special cases)
- are under State Pension age
- live in the UK
- have savings of less than £16,000 (yours and your partner’s combined, if you live together)
You can apply whether you are unemployed, in part-time or full-time work, or self-employed.
How much do you get?
Everyone who claims UC gets a standard allowance each month. The amount depends on your age and whether you’re single or part of a couple.
- Single and under 25: £311.68 per month
- Single and 25 or over: £393.45 per month
- Couple, both under 25: £489.23 per month (for both)
- Couple, one or both 25 or over: £617.60 per month (for both)
On top of this, you may qualify for extra amounts, called elements. These can cover things like:
- children in your household
- housing costs (rent or mortgage support)
- disability or limited capability for work
- caring for someone with a disability
- childcare costs (up to 85% of what you pay)
How do you claim?
Most people apply online through the GOV.UK website. You’ll need your National Insurance number, bank details, housing information, and details about your income and any savings.
Once your application is in, you’ll set up an online account (journal) to manage your claim. You’ll also need to confirm your identity and usually attend an interview (either at a Jobcentre or over the phone).
At this appointment you agree to a Claimant Commitment – a list of things you’re expected to do, such as job searching, reporting changes, or preparing for work.
Payments
It usually takes five weeks to get your first Universal Credit payment. If you need money sooner, you can ask for an advance payment, though this is repaid in instalments from future UC payments. After that, UC is paid monthly into your bank account (in Scotland you can choose to be paid twice a month).
Work requirements
Your responsibilities depend on your situation. Some people are expected to look for work or increase their hours, while others (for example, those with health problems or caring responsibilities) may have fewer or no work-related requirements. If you’re too unwell to work, you may need to complete a Work Capability Assessment.
If you disagree with a decision
If you think your payment or entitlement has been worked out incorrectly, you can ask the Department for Work and Pensions (DWP) for a Mandatory Reconsideration within one month of the decision. If you’re still unhappy, you can take your case to an independent tribunal.
In summary
Universal Credit is the main benefit for working-age people who are struggling financially, whether they’re in or out of work. It’s designed to give one monthly payment that covers basic living costs, with extra amounts available for children, housing, disability, and caring.
