What is Universal Credit?

Universal credit is the new benefit that started recently; it is replacing the following 6 benefits for working age people:
•    Working Tax Credit,
•    Child Tax Credit,
•    Housing Benefit,
•    Income Support,
•    Jobseeker’s Allowance (Income based)
•    Employment and Support Allowance (Income based)

 Click here to watch it a short video, 'What is Universal Credit?'


Who will be affected?

Working age people who are in or out of work that need a top up to their income


When will it happen?

Gradually a digital system is being introduced.

Visit: https://www.gov.uk/guidance/jobcentres-where-you-can-claim-universal-credit to find out if Universal Credit is digital where you live.


How does it work?

•    You will receive one payment for all of the benefits mentioned above.
•    You will be paid monthly in arrears.
•    You will be responsible for paying the rent from your Universal Credit payment.
•    Should you need to back date a claim, the claim can go back a maximum of one month.
•    Universal Credit is paid into a bank, building society or Credit Union account.


You will need to claim for Council Tax Reduction seperately from a claim for your housing costs.

For more information on Household bills click here.


How to make and manage a claim

Claims are made and managed on line.

Click here https://www.youtube.com/channel/UC7Km4IXfVJB1n8SQUmkJD0Q to see how to claim and how to manage any future changes in your circumstances.


Before you start your claim you will need:

  • your postcode
  • your National Insurance number
  • details of the bank, building society or credit union account you want Universal Credit paid into
  • your rent agreement (if you have one)
  • details of your savings or other capital
  • details of any income that’s not from work, eg from an insurance plan
  • details of any other benefits you’re getting
  • details of any children, including their Child Benefit numbers

You might also need these details for people who live in your home, eg your partner.


How to prepare for Universal Credit?

You will need to start saving as you may  have to wait 5 weeks for your first payment.

You will need to pay into your rent account so that your rent is in advance, click here to go to the rent pages.

You will need to plan your spending carefully visit, check out our budgeting pages here.


What do I do if I need to claim Universal Credit and I feel confused?

Contact our Financial Responsibility Team on 01935 404050.

Want to discuss your situation?

Call us on 01935 404050 or email: financial.responsibility@yhg.co.uk