What It Is and How It Can Help
If you’re finding it hard to make ends meet, you’re not alone—and you may be entitled to support through Universal Credit. Understanding what it is, how it works, and whether you’re eligible can make a real difference. This guide breaks it down simply, without jargon or judgement.
What Is Universal Credit?
Universal Credit (UC) is a government benefit designed to support people who are on a low income or out of work. It replaces six older benefits and brings them into one monthly payment. These include:
- Income Support
- Income-based Jobseeker’s Allowance (JSA)
- Income-related Employment and Support Allowance (ESA)
- Housing Benefit
- Child Tax Credit
- Working Tax Credit
So instead of applying for several separate benefits, Universal Credit combines them, making the system simpler and (ideally) easier to manage.
Who Can Apply for Universal Credit?
You might be able to claim UC if:
- You’re on a low income or unemployed
- You’re aged 18 or over (some exceptions apply for 16–17 year-olds)
- You’re under State Pension age
- You have less than £16,000 in savings (joint savings count if you live with a partner)
- You live in the UK
You can claim Universal Credit whether you’re single, living with a partner, have children, or are self-employed. The amount you receive will depend on your personal circumstances.
How Much Will You Get?
The standard allowance (as of April 2024) is:
- £311.68 per month for single people under 25
- £393.45 per month for single people 25 and over
- £489.23 per month for couples under 25 (combined)
- £617.60 per month for couples 25 and over (combined)
You may get more on top of this if you:
- Have children
- Have a disability or health condition that affects your ability to work
- Need help paying your rent
- Are a carer
Your payment will gradually reduce as you earn more through work, but a work allowance may apply if you have children or a disability.
How Is Universal Credit Paid?
Universal Credit is paid monthly into your bank account. You’ll usually have to wait about five weeks for your first payment, though you can apply for an advance payment if you need money sooner. This advance is like a loan and is repaid over future UC payments.
If you’re struggling with budgeting monthly, you may be able to request:
- More frequent payments (e.g. twice a month)
- Alternative Payment Arrangements (e.g. rent paid directly to your landlord)
What About Working and Universal Credit?
You can work while receiving UC, but your payment may reduce depending on your earnings. This is called the taper rate. Currently, for every £1 you earn over your work allowance, your UC is reduced by 55p.
Good news: This system is designed to make sure you’re always better off working more, not penalised for earning.
Applying for Universal Credit
You can apply online at www.gov.uk/universal-credit.
Here’s what you’ll need:
- Bank account details
- National Insurance number
- Details of income, savings, and housing
- Information about your partner and children, if you live with them
If you’re not confident applying online, you can call the Universal Credit helpline or get help from organisations like:
- Citizens Advice – Help to Claim
- Turn2Us
- StepChange
- Local Jobcentre Plus offices
Facing Financial Hardship? You’re Not Alone
Whether you’re dealing with debt, job loss, or simply trying to make ends meet on a low income, Universal Credit can be a lifeline—and there’s no shame in needing help.
If you’re already claiming UC and still struggling with debt or bills, you may also be able to access:
- Budgeting Advances
- Hardship Payments (if your UC is sanctioned)
- Discretionary Housing Payments (extra help with rent from your local council)
Final Thoughts
Navigating the benefits system can feel overwhelming, especially during tough times. But Universal Credit is there to support you—and it’s your right to access it if you’re eligible.
If you’re unsure about anything, reach out for free, confidential advice to receive Universal Credit news. No one should have to struggle in silence.
📌 Useful Links:
- Apply or check eligibility: www.gov.uk/universal-credit
- Citizens Advice Help to Claim: www.citizensadvice.org.uk
- Turn2Us Benefits Calculator: www.turn2us.org.uk