How to Get Universal Credit

Hello, today you will know how to get Universal Credit. Get access to this benefit and learn how to access it.

Eligibility

To be eligible for Universal Credit in the UK, an individual must meet certain criteria. Here are the main eligibility requirements:

• Age: The person must be over the age of 18. In some cases, 16 and 17-year-olds may be eligible for Universal Credit if they meet certain conditions.
• Residency: The person must be a resident of the UK, Channel Islands, Isle of Man or Republic of Ireland.
• Income: The person must have a low income, be out of work or be unable to work due to a disability or health condition. The exact amount of income that is considered “low” depends on various factors such as the individual’s circumstances and location.
• Savings: The person’s savings and capital must not exceed £16,000. This includes money in bank accounts, investments, and property (excluding the house they live in).
• Housing: The person must be responsible for paying rent or have a mortgage for their main home.
• National Insurance: The person must have paid enough National Insurance contributions to qualify for benefits or have been exempt from doing so.
• Immigration status: The person must have the right to reside and work in the UK. Certain groups, such as asylum seekers, may be eligible for Universal Credit under certain circumstances.

It’s important to note that there are other factors that can affect eligibility for Universal Credit, such as being a full-time student, being a carer, or having other sources of income. It’s also worth checking whether there are any local welfare benefits that could provide additional support. Individuals can use the government’s eligibility checker on the Universal Credit website or speak to an advisor at their local Jobcentre Plus for more information.

What you’ll get

Such as their income, housing costs, and whether they have any children or disabilities. Here are the main components of Universal Credit:

• Standard Allowance: This is a basic amount that everyone who is eligible for Universal Credit receives. The amount varies depending on age and whether the person is single or in a couple. For example, as of April 2023. The standard allowance for a single person under 25 is £344.14 per month, while for a single person over 25, it is £411.51 per month.
• Housing Costs: Universal Credit can include an amount to help with rent or mortgage payments. The amount varies depending on the person’s rent or mortgage payments, and the area they live in. In some cases, the amount may be reduced if the person has a spare room or is living in a more expensive property than is considered necessary.
• Children: If the person has children, they may be eligible for an additional amount of Universal Credit. The amount depends on factors such as the number of children, their ages, and whether they have any disabilities. There is also a “child element” which is paid per child.
• Disability: If the person has a disability or health condition that affects their ability to work, they may be eligible for an additional amount of Universal Credit. The amount depends on the severity of the disability or health condition.
• Carer: If the person is caring for someone with a disability, they may be eligible for an additional amount of Universal Credit.
• Work Allowance: The work allowance is the amount a person can earn before their Universal Credit payment is reduced. The work allowance varies depending on the person’s circumstances, but it is intended to encourage people to work by allowing them to keep more of the money they earn.

How your earnings affect your payments

So the amount of earnings a person receives can affect their payment. Here’s how earnings can affect Universal Credit payments:

• Work Allowance: If the person earns below a certain amount, they may be eligible for a work allowance. The work allowance is the amount a person can earn before their Universal Credit payment is reduced. The work allowance varies depending on the person’s circumstances, but it is intended to encourage people to work by allowing them to keep more of the money they earn.
• Adjusted Monthly Income: Universal Credit takes into account a person’s earnings when calculating their payment. This is known as the adjusted monthly income. The adjusted monthly income is the person’s total earnings minus certain deductions, such as taxes and National Insurance contributions.
• Taper Rate: Once a person’s adjusted monthly income exceeds their work allowance, their Universal Credit payment is gradually reduced. This reduction is known as the taper rate. The taper rate is currently set at 63p for every £1 earned above the work allowance.
• Minimum Income Floor: For self-employed individuals, Universal Credit uses a minimum income floor to calculate their payment. The minimum income floor is an assumed level of earnings based on the person’s type of work and the area they live in. If the person’s actual earnings are below the minimum income floor, their payment will be based on the minimum income floor.
• Reporting Changes: It’s important for individuals to report any changes in their earnings to the Universal Credit office as soon as possible. This includes any changes in hours worked, hourly pay rate, or any periods of unemployment. Failure to report changes in earnings can result in overpayments or underpayments, which can have financial consequences for the person.

Conclusion about How your earnings affect your payments

It’s important to note that there are other factors that can affect payments, such as changes in housing costs or childcare expenses. Also, certain types of income, such as benefits or pensions. May affect the amount of Universal Credit a person can receive. If in doubt, individuals can contact the Universal Credit office or speak to an advisor at their local Jobcentre Plus for more information.

To claim Universal Credit

To claim Universal Credit, there are several steps that need to be taken. Here’s how to apply:

• Check Eligibility: Before applying for Universal Credit, it’s important to check if you’re eligible. You can do this by using the eligibility checker on the government website or by speaking to an advisor at your local Jobcentre Plus.
• Create a Universal Credit Account: To apply for Universal Credit, you need to create an account on the government website. You’ll need to provide personal information such as your name, address, and National Insurance number.
• Book an Interview: After creating an account, you’ll need to book an interview at your local Jobcentre Plus. This interview can be conducted over the phone or in person. During the interview, you’ll need to provide proof of your identity and any other necessary documentation. Such as proof of income or housing costs.

• Complete Your Claim: Once the interview is complete, you’ll need to complete your Universal Credit claim online. You’ll need to provide information about your income, housing costs, and any other relevant information.
• Submit Your Claim: After completing your claim, you’ll need to submit it online. Once the claim is submitted, you’ll receive a confirmation email.
• Attend an Appointment: After submitting your claim, you’ll be asked to attend an appointment at your local Jobcentre Plus. During the appointment, you’ll be asked to sign a claimant commitment, which outlines the responsibilities you have while receiving Universal Credit.
• Wait for Your First Payment: After attending the appointment, you’ll need to wait for your first payment. Payments are made monthly in arrears, so the first payment may take several weeks to arrive.

Conclusion

It’s important to note that there may be additional steps or requirements depending on individual circumstances. For example, if you have a disability or health condition. You may need to provide additional documentation or attend a health assessment.