Universal credit is a payment issued to help UK residents cope with the high cost of living. People who qualify for universal credit cannot work; have been unable to secure employment, or have a low income. If you find yourself in one or more of the above mentioned circumstances, you may be eligible to claim this benefit. Find our more about the requirements, what you can expect to receive, and the necessary steps to make your claim today.
Before you apply, you need to make sure you fulfil certain basic eligibility requirements:
The answer depends on your personal circumstances. Full-time students can apply for Universal Credit if any of the following requirements apply:
If you fulfil the explained above requirements, you may be eligible. You can apply for Universal Credit either:
If you live with your partner and want to make a claim, you will both have to create accounts, but are allowed to link them together when you claim. If your partner has reached the state pension age, you can still claim your universal credit if you qualify. However, your Universal Credit claim will stop once you attain state pension age.
The amount issued is a standard allowance. The standard monthly allowance range is broken down like this:
|Single and under 25||£265.31|
|Single and over 25||£334.91|
|A couple under 25||£416.45 (for both)|
|A couple over 25||£525.72 (for both)|
Every individual's situation is assessed to account for extenuating or exceptional circumstances. For example, if you need help paying the rent; you are a single parent; you have children; or you have a disability or condition that prevents you from working, you may be eligible for an extra amount.
The money is deposited into your bank account. If you are part of the housing plan, you will receive an amount meant to be paid to your landlord. You can use the Universal Credit line if you need help opening a bank account.
When you make a claim to obtain this benefit, you will be assigned a work coach that will help you with your responsibilities. Some of these include:
When making a claim, you get an amount based on your current assessment. Therefore, if anything changes, you must offer the new information to ensure you get the correct amount. You can report these changes by signing into your Universal Credit account and submitting a report.
Some of the most common changes that need to be informed include rent increases; having a child; getting hired; finishing a job or getting fired; moving in with a partner; changing your contact information, for example, email and phone number; moving to a new address; starting to care for a different person, such as a child, or parent; changing your bank details; changes to your health condition; and changes to your salary if you are self-employed.
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