Are you struggling to meet your daily living expenses and are over 18? This article might be just what you need. We’ll cut into everything you need to know about Universal Credit Payment: from contact numbers, loopholes, and how much you can get, to the eligibility criteria and how to sign in.
Universal Credit is a social security payment for UK residents with low income or those unable to work. If you’re between 18 and the state pension age and meet certain conditions, you could qualify for this support.
Eligibility
Before diving into the details, let’s check if you meet the eligibility criteria for Universal Credit. Here are the key requirements:
- You must be 18 or older (16-17 in specific cases).
- You should be below the state pension age.
- You must not be in full-time education or training.
- Your savings must be under £16,000. (Savings over £6,000 might reduce your payment.)
To claim Universal Credit, create a secure online account on the official UK government site. Ensure you submit your claim within 28 days of creating your account, or you’ll need to start the process over. The first payment typically arrives five weeks after you submit your claim.
Sign In
Once you’ve secured your eligibility, you’ll need to sign into your Universal Credit account. This is essential for various tasks such as viewing statements, applying for an advance on your first payment, checking payment dates, adding notes to your journal, and reporting changes in circumstances.
To sign in, use the username and password created during your initial application. If you forget these details, request a reminder through the platform.
Payment Details
The amount you receive from Universal Credit varies based on several factors, including your standard allowance, additional amounts for specific circumstances, and any deductions.
Standard Allowance
Your standard allowance depends on your household situation:
| Category | Monthly Amount |
|---|---|
| Single, under 25 | £292.11 |
| Single, over 25 | £368.74 |
| Couple, both under 25 | £458.51 |
| Couple, one or both over 25 | £578.82 |
Extra Amounts
You may receive additional funds if you meet certain conditions:
| Condition | Extra Monthly Amount |
|---|---|
| First child (before 6 April 2017) | £315.00 |
| First child (after 6 April 2017) | £269.58 |
| Second/subsequent child | £269.58 each |
| Disabled child | £146.31 |
| Severely disabled child | £456.89 |
| Childcare costs (one child) | Up to £950.92 |
| Childcare costs (two or more) | Up to £1,630.15 |
| Limited capability for work | £390.06 |
| Health-related claim before 3 April 2017 | £146.31 |
| Caring for someone with disability benefits | £185.86 |
Deductions
Certain conditions can reduce your Universal Credit payment:
- Savings/investments over £6,000
- Direct bill payments from Universal Credit
- Exceeding benefit cap
- Overpayments
- Repaying advances
- Court fines, utility bills, child maintenance, or council tax deductions
- Income from employment, pension, or other benefits
Loophole
A loophole in Universal Credit might affect some low-paid workers, causing them to miss out on cost-of-living payments. These payments, meant to assist with bills and food expenses, are issued in two instalments, totaling £650 monthly. A lesser-known glitch might result in missed initial payments for some recipients.
Contact
For any issues or queries, contact Universal Credit officials through your online account or via phone:
- Universal Credit helpline: 0800 328 5644
- Textphone: 0800 328 1344
Make sure to call between Monday and Friday, from 8:00 am to 6:00 pm, to get assistance.
Universal Credit provides crucial support for those in need. Knowing the eligibility criteria, payment structure, and how to navigate the system can ensure you get the help you need.
FAQs
Who is eligible for Universal Credit?
Anyone 18+ with low income or unable to work.
How do I apply for Universal Credit?
Create an account on the UK government site and submit a claim.
What affects the payment amount?
Income, savings, and specific circumstances affect your payment.
When will I receive the first payment?
Typically within five weeks of submitting your claim.
Can Universal Credit be reduced?
Yes, based on savings, direct payments, and other deductions.
